Who is cheaper than Progressive for car insurance?

Asked by: Nicholaus Schmitt  |  Last update: November 21, 2025
Score: 4.3/5 (40 votes)

Both Geico and Progressive offer competitive average premiums for drivers, but if you're wondering if Progressive is cheaper than Geico, Geico has the edge. Its average rates tend to be cheaper than the average rates offered by Progressive, and the company's extensive discount list may help you save even more.

Who has cheaper rates than Progressive?

Geico and USAA are among the insurance companies that are cheaper than Progressive.

Who typically has the cheapest car insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.

Who is Progressive's biggest competitor?

State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.

Who beats Progressive insurance?

Geico ranked above average for customer satisfaction in 5 of the 11 regions surveyed in J.D. Power's 2024 auto insurance study, while Progressive was rated below average in all available regions.

Geico vs Progressive - Which Should You Choose? (Which One Has Better Coverage Features?)

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Is State Farm cheaper than Progressive?

State Farm has cheaper home and car insurance quotes than Progressive. It also has higher customer satisfaction ratings. However, Progressive offers more discounts and coverage options, including gap insurance. Progressive is better for specialized car insurance coverage.

Can you negotiate with Progressive?

You can negotiate with Progressive Insurance Company by sending the company a demand letter after an accident. The demand letter should provide information about the accident and all the damages caused by the incident. You can include evidence in the demand letter to support your claim.

Is Allstate cheaper than Progressive?

Allstate: Cheapest for drivers with bad credit

In many states, car insurance companies can use a driver's credit history as a factor when determining car insurance premiums. For drivers with bad credit, Allstate once more edges out Progressive with cheaper average premiums.

Is State Farm cheaper than GEICO?

GEICO is cheaper and has better ratings than State Farm. Your experience with GEICO and State Farm will vary based on individual rating factors.

How do I get lower car insurance?

Nine ways to lower your auto insurance costs
  1. Shop around. ...
  2. Before you buy a car, compare insurance costs. ...
  3. Ask for higher deductibles. ...
  4. Reduce coverage on older cars. ...
  5. Buy your homeowners and auto coverage from the same insurer. ...
  6. Maintain a good credit record. ...
  7. Take advantage of low mileage discounts. ...
  8. Ask about group insurance.

What is the cheapest car insurance group?

Group 1 is the lowest insurance group, which also means it's the cheapest insurance group. Group 50 is the most expensive. However, premiums aren't just based on insurance group. Other factors are taken into consideration, too.

At what age is car insurance cheapest?

Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.

Why is my renewal more expensive Progressive?

If your car insurance goes up for seemingly no reason when you renew your policy, it's likely due to an increase in risk that's outside of your control. This could include reasons like increased claims in your area (due to more extreme weather damage, more accidents, etc.) and higher car repair and replacement costs.

Which insurance company has the fewest complaints?

The most trusted auto insurance company is American Family Insurance. American Family has a low volume of customer complaints compared to other insurance companies its size, good reviews from WalletHub users, and high ratings for customer satisfaction according to J.D. Power.

Is Progressive cheaper through an agent?

By purchasing your policy directly from Progressive, you bypass the agent or broker and their commission. This is one of the main reasons why Progressive Direct can often offer cheaper premiums than purchasing through an agent.

What ranking is Progressive insurance?

Progressive ranked No. 9 out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction.

Who is State Farm's biggest competitor?

State Farm main competitors are USAA, MetLife, and American Family Insurance. Competitor Summary. See how State Farm compares to its main competitors: MetLife has the most employees (49,000).

What's cheaper than Progressive?

GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.

Is State Farm cheaper than Allstate?

State Farm offers cheaper rates on auto and home insurance than Allstate. State Farm also has higher customer service ratings. However, Allstate offers a few home and car insurance coverages that State Farm doesn't have.

What is the golden rule at Progressive?

Golden Rule

We value and respect our differences, act with kindness and caring, and treat others as they want to be treated.

How to get a lower car insurance rate?

If you're wondering how to get a lower car insurance rate, use these methods for lowering your premium:
  1. Qualify for insurance discounts. ...
  2. Increase your deductible. ...
  3. Reduce your coverage. ...
  4. Compare rates. ...
  5. Try usage-based insurance. ...
  6. Take a defensive driving course. ...
  7. Get a car that's cheaper to insure.

Why is Progressive so expensive?

Progressive is so expensive because car insurance is expensive in general, due to rising costs for insurers. The price of a Progressive policy may also reflect the cost of staffing, marketing campaigns, and maintaining sales centers.