Updated on: Sept. 27, 2024
Written by: Hira Tanweer Edited by: Emilia Benton and Michael Kitchen
Progressive’s car insurance rates are expensive, though it offers several discounts that can make it more affordable. Discounts are the key to getting cheap home insurance from Progressive, too.
Offers many auto and home discounts
Can save $793, on average, if you bundle your home and car policies
Snapshot program helps good drivers save up to $231 a year
Cheap rates for drivers with a DUI
Good online experience
Available in all 50 states
Expensive rates for most drivers and homeowners
Not many add-on coverages for home
Poor customer service
Although Progressive’s auto and home insurance rates are higher than most other companies, it has a lot of discounts that can help bring the cost down. Progressive also offers many optional car insurance coverages that make it more appealing.
Progressive’s app and website are easy to use and helpful, but its customer service and complaint ratings could be better.
Progressive car insurance policies cost, on average, $2,032 per year for full coverage. That puts Progressive rates close to the nationwide average rate of $1,976.
| Company | Full coverage |
|---|---|
| Progressive | $2,032 |
 USAA | $1,203 |
 Erie | $1,270 |
 State Farm | $1,487 |
 Country Financial | $1,600 |
 Travelers | $1,919 |
 American Family | $1,920 |
 Farm Bureau | $1,931 |
 Geico | $1,937 |
 Nationwide | $2,226 |
 Amica | $2,548 |
 Allstate | $2,609 |
 Farmers | $3,091 |
 AAA | $3,835 |
If you’ve been at fault in an accident, or you have a traffic ticket on your record, Progressive’s rates are often higher than most companies.
However, if you have a driving under the influence (DUI) conviction, Progressive actually offers cheaper rates than average, at $2,547 per year.
| Clean record | Ticket | Accident | DUI | |
|---|---|---|---|---|
| Progressive | $2,032 | $2,606 | $3,026 | $2,547 |
| USAA | $1,203 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
If you’re a teen driver, Progressive is one of the more expensive car insurance companies. Progressive’s average rate for teens is $8,495 a year, far above the $5,300 industry average for insuring an 18-year-old driver.
| Company | Full coverage for a 30-year-old | Full coverage for an 18-year-old |
|---|---|---|
| Progressive | $2,032 | $8,495 |
| USAA | $1,203 | $2,847 |
| Erie | $1,270 | $3,086 |
| State Farm | $1,487 | $4,128 |
| Country Financial | $1,600 | $2,226 |
| Travelers | $1,919 | $5,758 |
| American Family | $1,920 | $5,413 |
| Farm Bureau | $1,931 | $4,451 |
| Geico | $1,937 | $5,048 |
| Nationwide | $2,226 | $7,743 |
| Amica | $2,548 | $9,052 |
| Allstate | $2,609 | $7,668 |
| Farmers | $3,091 | $9,354 |
| AAA | $3,835 | $9,111 |
Progressive has the cheapest full-coverage rates in New York and North Carolina among the largest car insurance companies. Progressive also has the cheapest minimum-coverage quotes in New York.
| State | Full coverage | Liability only |
|---|---|---|
| Alabama | $1,829 | $517 |
| Alaska | $1,975 | $1,041 |
| Arizona | $2,110 | $998 |
| Arkansas | $2,412 | $606 |
| California | $1,609 | $463 |
| Colorado | $2,020 | $776 |
| Connecticut | $3,756 | $1,360 |
| Delaware | $2,543 | $1,473 |
| Florida | $3,560 | $1,540 |
| Georgia | $2,383 | $838 |
| Hawaii | $2,004 | $905 |
| Idaho | NA | NA |
| Illinois | $2,246 | $765 |
| Indiana | $1,898 | $516 |
| Iowa | $1,955 | $405 |
| Kansas | $2,157 | $543 |
| Kentucky | $2,603 | $1,153 |
| Louisiana | $2,711 | $828 |
| Maine | $1,296 | $771 |
| Maryland | $2,312 | $1,235 |
| Massachusetts | $1,756 | $927 |
| Michigan | $3,040 | $1,206 |
| Minnesota | NA | NA |
| Mississippi | $1,675 | $460 |
| Missouri | $2,005 | $474 |
| Montana | $2,402 | $637 |
| Nebraska | $1,501 | $347 |
| Nevada | $2,259 | $978 |
| New Hampshire | $1,162 | $675 |
| New Jersey | $1,881 | $1,349 |
| New Mexico | $1,558 | $566 |
| New York | $1,124 | $627 |
| North Carolina | $727 | $377 |
| North Dakota | $1,701 | $400 |
| Ohio | $1,483 | $685 |
| Oklahoma | $1,774 | $343 |
| Oregon | $1,802 | $813 |
| Pennsylvania | $2,571 | $773 |
| Rhode Island | $2,658 | $1,186 |
| South Carolina | $2,205 | $750 |
| South Dakota | $2,351 | $371 |
| Tennessee | $1,554 | $418 |
| Texas | $2,674 | $1,010 |
| Utah | $1,553 | $816 |
| Vermont | $1,188 | $417 |
| Virginia | $1,790 | $1,031 |
| Washington | $1,869 | $849 |
| Washington, D.C. | $2,192 | $1,238 |
| West Virginia | $1,899 | $1,096 |
| Wisconsin | $1,796 | $428 |
| Wyoming | NA | NA |
No data available for Progressive in a few states
Minimum-coverage, also known as liability coverage, covers injuries for other drivers and their passengers if you caused an accident.
Full-coverage policies cover liability coverage, as well as protection for your car if it’s damaged.
Progressive offers great insurance discounts if you bundle your home and car policies, with savings up to $793.
If you’re also a good driver, you can take advantage of the Progressive Snapshot program. If you’re enrolled in the Snapshot program, your car insurance rate can go up or down based on your driving habits. Driving less and not using your phone while driving can lower your car insurance rate. The average savings for drivers enrolled in this program is $231.
Along with standard coverage, like liability and collision, Progressive offers some great optional coverage.
Home insurance from Progressive costs $2,648 a year, on average. This is 5% cheaper than the national average rate of $2,801 a year.
| Company | Annual rate |
|---|---|
| Erie | $2,055 |
| State Farm | $2,427 |
| USAA | $2,507 |
| Allstate | $2,560 |
| Chubb | $2,606 |
| Progressive | $2,648 |
| Country Mutual | $2,827 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farm Bureau | $3,639 |
| Farmers | $3,801 |
What you actually pay for home insurance depends on several factors, such as where you live, the age of your home and your insurance claims history. Each company treats these factors differently, which is why quotes can vary so much from company to company.
To get your best rate, compare home insurance quotes from a number of companies when you shop around or your policy is up for renewal.
Progressive’s home insurance rates can vary widely depending on where you live.
In Louisiana, Progressive’s average rate is $1,865 a year. Compare that to Florida, where the company’s average rate is $3,786 a year.
| State | Average annual rate |
|---|---|
| Louisiana | $1,865 |
| Georgia | $2,061 |
| Indiana | $2,880 |
| Florida | $3,786 |
Progressive has many discounts that can help you save money on your home insurance coverage. These include discounts for:
Progressive offers the usual standard home insurance coverages, including:
Progressive also offers these optional coverages:
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.
Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.
For full-coverage policies, coverage limits include:
Home insurance policies include:
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
