How Much Does Progressive Car Insurance Cost?

Choosing a car insurance provider can be challenging. If you're considering Progressive, reviewing its rates will help you determine if it's the right fit for your needs. However, we recommend obtaining quotes from several providers to ensure you're securing the best value when looking to save money on your car insurance.

Progressive car insurance pricing per month

Progressive charges $182 per month on average for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage will pay an average of $106.

Keep in mind these are average figures. Your individual rate will depend on factors like age, location, credit score, and driving history. While your actual Progressive rate may be different, these averages provide a useful benchmark for comparing different providers.

	Progressive average monthly cost	National average monthly cost
Full coverage	$182	$186
Liability-only	$106	$104

Progressive's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which can lead to pricing variations. Comparing quotes is worthwhile to determine how Progressive performs for your particular situation.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$115	$58
Progressive	$182	$106
GEICO	$146	$95
Allstate	$146	$77
USAA	$104	$54

Progressive's rates by age

Age plays a significant role in Progressive's pricing model, as it does with most insurers. Car insurance for teen drivers carries the highest costs, with full-coverage premiums averaging $306 per month.

Rates generally decrease as you enter your 20s, with Progressive averaging $186. The downward trend continues through your 30s at an average of $156 and into your 40s at $145.

The most favorable rates typically come in your 50s and 60s, with monthly averages of $119 and $101, respectively.

Premiums tend to increase again after age 70, averaging around $86 per month. This pattern demonstrates how insurers evaluate risk across different life stages.

Age group	Progressive average monthly full coverage cost	National average monthly cost
Teens	$306	$360
20s	$186	$243
30s	$156	$199
40s	$145	$191
50s	$119	$177
60s	$101	$159
70s	$86	$163

Progressive's rates for high-risk drivers

Drivers with traffic violations or accidents on their record typically face higher rates with Progressive. High-risk drivers with a speeding ticket pay $204 per month on average. Those with an at-fault accident on their record see average monthly rates of $223.

DUI convictions result in the steepest increases, with average monthly costs reaching $268. While these numbers reflect standard pricing for high-risk drivers, your actual rate will vary based on the incident's recency and other individual rating factors.

Driving record	Progressive average monthly full coverage cost	National average monthly cost
Accident	$223	$247
Speeding ticket	$204	$238
DUI	$268	$272

How does your credit score affect your rate with Progressive?

Most states allow insurers to use credit scores when determining rates. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit-based pricing is permitted, Progressive adjusts premiums according to your credit tier. Those with excellent credit average $141 per month, while good credit holders pay slightly more at $159.

Drivers with average credit see monthly premiums around $168. Poor credit scores lead to average monthly costs of $200.

These figures demonstrate credit's substantial impact on monthly premiums, though your final rate will incorporate other personal factors as well.

Credit score	Progressive average monthly cost of full coverage	National average monthly cost
Excellent	$141	$164
Good	$159	$179
Average	$168	$194
Poor	$200	$227

FAQs

Does Progressive offer accident forgiveness?

Progressive provides two tiers of accident forgiveness coverage. Small accident forgiveness automatically applies to claims under $500 without raising your premium. Large accident forgiveness requires at least five years of continuous coverage with Progressive and a clean driving record during that period, which forgives your first at-fault accident over $500. You can also purchase additional accident forgiveness for a fee in most states, allowing one forgiven accident per policy period.

What discounts does Progressive offer?

Progressive provides numerous ways to reduce your premium through discounts like multi-policy bundling, multi-car, continuous insurance, homeowner, and good student discounts. Their Snapshot telematics program can personalize your rate based on actual driving behaviors such as hard braking, mileage, and time of day you drive. On average, Snapshot participants save around $231 annually, though your savings depend on your individual driving habits and the program's assessment of your risk level.

Is Progressive cheaper than other car insurance companies?

Progressive might offer lower pricing than some major carriers, particularly for drivers with DUIs or accidents on their records. However, other carriers could have lower premiums for drivers with clean records. Since each insurer uses its own methodology to calculate rates based on factors like your location, driving history, and vehicle type, your best option is to compare quotes from multiple companies to find the most competitive rate for your specific situation.

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Bottom line

Should you choose Progressive as your car insurance company? Getting quotes from Progressive and competing insurers and comparing them on price and service is the most effective way to decide.

Data throughout provided by Insurify.

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