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What insurance is cheaper than progressive?

What insurance is cheaper than progressive? There is car insurance cheaper than Progressive for some drivers, though Progressive still has some of the most competitive rates in the industry overall. Although rates vary, Geico and USAA both offer competitive rates as well and can be cheaper than Progressive for some drivers.

This company shows confidence and customer care with transparent rates and coverage tools, to help you find the policy that’s right and cheaper for you. Plus, you can get add-ons and safe driving rewards that you won’t see matched with every provider. Although Progressive stays a top choice for many, consider all your options for wide coverage and low rates.

Pros and cons of Progressive

Pros

  • High transparency. To show customer needs come first, progressive lets you compare coverage and rates from its own website.
  • Wide coverage options. All the basics, plus coverage for custom parts, pet injuries and SR-22 drivers.
  • Steep safe driver discount. Safe drivers could ride with a 31% lighter premium than riskier drivers.
  • Top market pick. The company lands in the top three of the largest car insurers in the market, making it a top choice for customers.

Cons

  • Priced higher than competitors. If budget is a main concern for you, it’s not the cheapest option.
  • Six-month terms come standard. These short terms don’t lock in your rates like an annual policy.
  • Many customer complaints. Progressive has over 2,000 complaints filed with the Better Business Bureau (BBB), while its a high number the insurer has taken care of these complaints.

READ MORE: Facts About Progressive Insurance Everyone Should Know

What insurance is cheaper than progressive

There is car insurance cheaper than Progressive for some drivers, though Progressive still has some of the most competitive rates in the industry overall. Although rates vary, Geico and USAA both offer competitive rates as well and can be cheaper than Progressive for some drivers.

Progressive has middle-of-the-road rates compared to other providers, though some customers can find the cheapest rates from Progressive. If you’re looking for the best value for coverage, look at these cheaper options:

We did a thorough analysis of car insurance rates for drivers across the country to find the companies that offer the lowest rates in each state. Please be aware that the rates shown here are a simple average taken from representative driver profiles, so your rates may differ.

1: USAA is the cheapest car insurance company, and it offers the lowest car insurance rates in the country, according to our analysis. Our study shows an average rate of just $875 per year, which is a savings of about $225, or about 20%, compared to the next cheapest insurance company in our study. USAA has the lowest premiums for nearly every driver demographic we analyzed, and even when it wasn’t the absolute cheapest, it wasn’t much more expensive than its cheaper rival. That being said, USAA is only open to military members and individuals with a connection to the military, so not everyone can access these cheap rates.

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2: Geico is the second-cheapest car insurance company, according to our analysis, with an annual rate of $2,000. That’s quite a bit more expensive than USAA’s rate, but it’s still around 17% cheaper than the national average ($1,321) in our analysis. Geico offers some of the lowest rates for nearly every driver demographic in our study, particularly when it comes to younger drivers.

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3: State Farm is the third-cheapest car insurance company in our study. With an annual rate of $1,169, State Farm is about 12% cheaper than the national average. According to our analysis, this insurer is a great option for people with less-than-stellar driving records. State Farm’s study rates are well below the national average for drivers with a speeding ticket or an accident, and was the cheapest in our study for drivers with a DUI.

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4: Travelers is the fourth-cheapest car insurance company in our ranking of the cheapest insurers, with an average premium of $1,251. That’s a savings of about 5% compared to the national average. Of the drivers analyzed in our study, our analysis shows that rates from Travelers tend to be slightly below average, though there are a few exceptions to that rule.

5: Nationwide is the fifth-cheapest car insurance company in our study, with an annual rate of $1,284. It’s the last company in our cheapest car insurance rankings with an average rate that is less than the national average, though the savings are only about 3%. Nationwide comes in below or near the average for most drivers in the study, though it’s one of the more expensive options for drivers with a DUI.

6: Progressive is the sixth-cheapest car insurance company in our rankings. With a study rate of $1,334, it’s about 1% more expensive than the nationwide average. For most of the driver profiles in our study, Progressive’s rates are pretty close to average. However, Progressive is notably above average for 25-year-old drivers and drivers with one accident, and, on the flip side, is one of the cheapest companies in our study for drivers with a DUI.

7: American Family comes in seventh in our ranking of the cheapest car insurance companies for 2021. American Family’s average rate is $1,451, according to our analysis. That’s a considerable jump from Progressive’s rate, and it’s about 10% more than the national average. With this company, rates are higher than average for every demographic group we studied, with two notable exceptions: drivers with one accident and drivers with a DUI should consider American Family, because rates for these groups are below average.

8: Farmers is the eighth-cheapest car insurance company in our rankings. Its annual average rate of $1,635 is about 24% more than the national average, according to our analysis. For every driver demographic and archetype in our study, Farmers comes in above the national average, often by several hundred dollars or more.

9: Allstate is the most expensive car insurance company in our annual rankings, with an average annual rate of $1,788. That’s 35% higher than the national average determined by our study. Allstate is among the most expensive insurance companies for every driver archetype we studied, and is particularly expensive for 25-year-old drivers.

It’s important to note that our data may not include all states in which each of these companies operate, and that your insurance premiums can vary by state. Even within the same state, you might find that rates change in different ZIP codes.

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