How Much is Progressive Car Insurance
If you've ever been searching for car insurance quotes online, then you've probably heard of Progressive insurance company. The insurance provider's commercials are easily recognizable by " Flo " and her team of quirky insurance agents, and their recent Sign Spinner ads.
Progressive Insurance is one of America's first insurance companies and was founded in 1937 by two lawyers, J oseph Lewis and Jack Green, who wanted to increase the availability ofcar insuranceto high risk drivers first and give their customers the most comprehensive policies available. In the past six decades, they've come a long way from their humble beginnings, though.
Wondering what about Progressive comprehensive and collision insurance coverage, though? Is Progressive's liability insurance able to cover the necessary property damage and injury protection needs of modern drivers? And of course, how much is Progressive car insurance exactly?
In this guide, we're going to break down everything that you need to know about Progressive auto insurance, how affordable their policies are, the different levels of coverage they provide, and whether or not Progressive's policy limits and coverage are able to meet your needs.
We get it - car insurance shopping can be complicated; but that's exactly what we're here for! here, you'll find everything that you need to know to set your mind at ease and help you make the most informed decision!
Our great average car insurance cost per month research teaches that Progressive car insurance cost is $116 per month or $1,390 per year for full coverage insurance.
Progressive auto insurance cost for minimum coverage is $63 per month or $750 per year, which make Progressive car insurance rates more expensive than some more affordable car insurance companies.
Coverage Type | Cost Per Month | Cost Per Year |
---|---|---|
Minimum coverage | $63 | $750 |
Full coverage | $116 | $1,390 |
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How much you'll ultimately pay for your progressive auto insurance depends on a number of factors, including:
Your policy limits.
The amount of damage protection you purchase.
Whether or not you add comprehensive coverage to your policy.
Whether or not you've been in a car accident before.
What state you live in (minimum policy limits vary by state).
If you add uninsured/underinsured coverage to your policy.
...and others...
You can typically purchase Progressive auto coverage online or through captive/independent insurance agents. Since it's one of the USA major insurance providers, Progressive has done its best to make purchasing plans online a quick and easy process no matter who you are and what type of vehicle you drive.
The cheapest Progressive car insurance policy is going to be basic liability coverage. This essentially provides you with basic personal property damage and bodily damage liability insurance in the event that you're involved in an accident with another vehicle.
Your personal costs won't be covered, but the other person's costs will be, so you won't have to worry about facing a lawsuit. Basic liability is the minimum amount of auto insurance coverages required in almost all states, and it's generally quite affordable, typically between $50 and $150 per month for most adult drivers.
However, if you're financing a vehicle (or you have a newer, more expensive model), then you're almost always going to need a full-coverage policy. These policies are a bit more expensive and typically include Progressive casualty insurance costs such as:
Collision coverage (covers your vehicle repairs after an accident).
Comprehensive coverage (covers damages caused by break-ins, debris, or natural disasters).
Personal injury coverage (covers your personal medical costs after an accident).
" Gap insurance " (pays the remainder owed on your car if it's declared a total loss).
Since full-coverage policies are a lot more involved than basic liability, these policies may cost double compared to what you'd pay for a basic liability policy. The average amount paid for full-coverage policies in America is between $1,200 and $1,300 per policy period .
Although Progressive offers a small discount to individuals who can afford to pay the entire six or twelve-month policy upfront, most policyholders choose monthly payments instead. The bill will typically be auto-drafted from your account on the same day each month until your policy is paid-in-full. Once it's paid, you'll have the opportunity to renew your policy.
For example, if you have a six-month $600 liability policy, then you can expect to pay around $100 per month for six months. However, if you opt for a full-coverage twelve-month policy that costs $2,400 per year, then you'll pay around $200 per month.
The actual amount that you pay will vary greatly depending on which state you're in, the value of your vehicle, your age, driving record, and how much coverage you purchase, as well as other risk assessment factors.
One of the best reasons to choose a twelve-month policy is that you may get a small discount and you'll be locked into the same rate for a year. You won't have to worry about calling them back halfway through the year and negotiating a new policy). It's the easiest way to ensure that you never have a lapse in your insurance (which usually comes with state-mandated penalties).
However, if you're the type of person who doesn't like long-term contracts, plans on selling their vehicle in the coming year, or wants the ability to switch insurance policies in the near future, then a six-month policy may be the right choice for you. You may pay a little bit extra for your monthly premium, but at least you won't be locked into a long-term contract.
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Progressive is famous for their $0 cancellation fee. Cancelling your Progressive car insurance policy is incredibly easy! In fact, one of the best reasons to choose Progressive is that they don't charge an early cancellation fee, while many of their competitors may charge hundreds for cancelling your policy before it's complete.
The biggest reason why your Progressive auto policy may have gone up is that you were involved in an accident. This statistically makes you a "higher-risk " client, and you'll usually pay for it. Other common reasons why your progressive insurance may have gone up include:
You added a new driver to your policy (or a driver under 25).
You modified your vehicle and claimed it on your insurance policy.
You've been involved in a recent insurance claim.
You've had a tax lien on your vehicle.
You purchased a new car.
Overall, Progressive is an excellent car insurance provider. Although their TV commercials may be a bit quirky, Progressive doesn't cut corners and is known for its incredible customer service. You'll never have to fight them on claims, you can cancel anytime for free, and they're also willing to work with their clients to negotiate the most affordable monthly premium payments!
In fact, Progressive received the highest score in our big car insurance quotes research!
Read More: Progressive Insurance Reviews
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I was hopeful about going with Travelers. My cousin oversees the building of large hotels (the W and Virgin in Nashville) and told me that is who he had used commercially. But after having roof damage from a storm, I have had a really bad experience. From the very first person I dealt with, it became quickly clear from my first dealings and was confirmed throughout the process, is how little they care about the people they insure and how they truly want to pay as little as possible. While my neighbors were having positive experiences with their insurance companies after the storm, mine has been terrible. I would highly recommend staying far away from Travelers Insurance and going with literally anyone else but them. —Jason McAnally
AAA is only good if you never have to use them. My daughter was borrowing my car and got hit by a hit-and-run driver who left the scene. AAA would not pay for damages on my car because she was not on the policy and I didn't have full coverage on my car I did have uninsured motorists but they still would not pay the claim so I have a wrecked car and now AAA is canceling my insurance What a waste of time and money. We reported to insurance board and still nothing was done. I'm going back to allstate, atleast they pay claims.
The quote they gave me was not the correct price. it turned out to be twice the amount they said. Plus the agency is in California 1500 miles away and I received bad customer service.
Horrible, we are DRIV3 Rentals a Car Rental Company in Los Angeles California. One of our clients purchased a Bonzah policy to rent a vehicle from us. An accident occurred where there has been significant damage to our 2021 BMW M4, we proceeded to file a claim with Bonzah. Let me just say the way this company handles claims is from the stone age. They do not contact you anywhere except emails. Our company has been in a 100+ email chain with Paul and Art from Bonzah for at least a month. They have confused our claim with other claims and at times just simply not responded back at all. We supplied all the necessary information needed for the claim and everything seemed ok. Fast forward to last week out of no where Paul stops answering so we call him over and over until he answers at this point he not once told us this by the way that they pulled the police report and our driver isn't listed, this is false as I immediately went to the LAPD police station and found out the report Paul pulled was filed online from one of the other drivers and not an official report from the officer on the scene, the officer on the scene made a statement in which debunks that whole claim and in fact our driver was the driver. I have never in my 20 years in the auto industry been accused of anything like this furthermore Paul stating that oh we don't know if your driver knows the other driver and they could have planned this. Insane really, Paul stated that if we could get a statement from the officer he would expedite our claim and damages check, Paul, Art and Bonzah has since started to ignore us. They don't answer calls, emails, text messages anything for almost 2 weeks now. How ironic that once we debunk their claim of our client not being the driver they stop responding. Don't use this company, stay far away.
We have been with progressive for 18+ but Have to give a one star with this experience. We hit a big rock on the highway. Randell Fergen repair rep . argued with me; claimed I was off roading in my car, which I have never done . Randell told me “this was not an isolated incident”. Because my other wheels had scratches according to him. The auto shop they picked and Randell told me it the wheel just needs a balance . Randell quoted me the price I would have to pay for the balance. I took the car to Discount Tire since the balance is covered. Discount told me “the wheel is bend badly” We called back to the rep Kiera Washington to update her and ask for a new repair rep. She said she could not and when I asked to speak to her supervisor she said “ I’m not dealing with you” and hung up on me ????