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Progressive Car Insurance Prices: a Multi-State Comparison

With a driver profile in hand, we go shopping with Flo to see how Progressive car insurance prices line up

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Progressive car insurance is the nation’s fourth largest car insurer. One of the features they tout (and one that gets them excellent reviews) is its online car insurance quoting resources. To give you an idea of the range of costs you can expect to pay for a Progressive car insurance policy, we’re going to develop a fairly typical driver profile and use Progressive’s online resources to see what insurance will cost in a few different states.

Our driver profile

To shed some light on how Progressive auto insurance compares, we’re going to go shopping for a hypothetical driver. Karen is a 36-year old married mom. She’s a homeowner and a college graduate. She owns a 2010 Mazda 5 with just over 36,000 miles on it (she owns the car outright.) She is the only person who drives this car and will be the only named insured on the policy for this car.

She has one moving violation in the last three years and no accidents. She and her family have fairly decent health insurance coverage. Karen has been continuously insured for more than 10 years.

States we’re shopping in

progressive car insurance pricesTo get a fair representation of how broadly car insurance prices can vary from state to state, we’re taking Karen shopping for Progressive car insurance in the following cities: New Orleans, Louisiana; West Jordan (a bit southwest of Salt Lake City), Utah; and Charlotte, North Carolina. We’ve selected these states because in annual surveys that rank states by how much drivers pay for car insurance, these states represent the expensive, mid-range, and inexpensive states (respectively) in terms of average car insurance prices.

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All three of these states require licensed drivers to carry a minimum amount of personal injury liability coverage and property damage liability coverage. Utah also requires personal injury protection (PIP), as a no fault option to cover expenses to treat injuries sustained by the drivers, passengers or any named insured family members. North Carolina also requires licensed drivers to carry uninsured and underinsured motorist coverage.

Karen routinely gets insurance coverage that exceeds the state requirements where she lives and drives and in all three states, we’re putting option levels in place well above each state’s minimum requirements.

Louisiana

In New Orleans, Karen is required to get a car insurance policy that carries minimum liability levels of:

  • $15,000 per person for bodily injury or death
  • $30,000 total per accident for bodily injury or death
  • $25,000 for property damage

In keeping with her policy of routinely exceeding the coverage requirements of the state where she lives and drives, the Progressive policy we’re putting in place for Karen there in New Orelans will include:

  • $50/$100/$50 in liability coverage
  • $25/$50 in uninsured/underinsured motorist coverage
  • Collision coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

Karen is eligible for a number of very nice discounts from Progressive in Louisiana including one for being a homeowner and one for having gone five years without a claimable accident of any kind. She also agrees to take advantage of the Progressive Snapshot driver-monitoring program, and the overall result is about $1,000 in total savings.

Progressive quotes her a rate for this expanded coverage plan of from $350-$360 per month.

Utah

Utah has the following requirements of licensed drivers:

  • $25,000 per person for bodily injury or death
  • $65,000 total per accident for bodily injury or death
  • $15,000 for property damage
  • $3,000 in PIP coverage

For her coverage in Utah, we’ve put the following Progressive plan in place for Karen:

  • $50/$100/$50 in liability coverage
  • $50/$100 in uninsured/underinsured motorist coverage
  • $3,000 in PIP coverage
  • Collision coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

progressive car insurance prices2In Utah, Progressive is a bit more limited in the extent of discounts it can offer Karen. She gets the benefit of being a homeowner and being accident free for five years. As she did in Louisiana, Karen takes advantage of the Snapshot program. Even with these, her total discounts only amount to about $500 in Utah.

The cost quoted for Karen’s Progressive auto insurance package in Utah is from $170-$175 per month.

North Carolina

The car insurance requirements for licensed drivers in North Carolina include:

  • $30,000 per person for bodily injury or death
  • $60,000 total per accident for bodily injury or death
  • $25,000 for property damage
  • $30,000/$60,000 in uninsured/underinsured motorist bodily injury coverage
  • $25,000 in uninsured/underinsured motorist property damage coverage (with a minimum deductible of $100)

The Progressive car insurance package we’ve put together for Karen in North Carolina includes:

  • $50/$100/$50 in liability coverage
  • $50/$100 in uninsured/underinsured coverage
  • Collision coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

progressive car insurance prices3The discounts available to Karen through Progressive in North Carolina are the least generous of the three states we’ve chosen to shop in, totaling only about $55 in total discounts. However, Karen truly benefits from North Carolina being one of the least expensive states in the country to buy car insurance in. The cost for her North Carolina Progressive plan is quoted at between $110-$115 monthly.

If Karen opted to upgrade her North Carolina coverage with Progressive at a premium level of:

  • $500,000 in single liability limited coverage for bodily injury and property damage
  • $500,000/$500,000 uninsured/underinsured motorist coverage
  • Collision coverage with a $100 deductible
  • Comprehensive coverage with a $100 deductible
  • Progressive’s roadside assistance coverage (with an extended transportation expenses allowance)

This deluxe package of North Carolina car insurance through Progressive is quoted at between $190-$200 per month.

The quotes acquired in all of these above scenarios were generated in January of 2014

Use this guide to find out more about your car insurance options with Progressive

While Karen is as fictional as Flo, her driving profile and insurance needs are not atypical. While your specific circumstances will be different, this gives you a sense of where Progressive rates in various states. If you do wish to pursue Progressive (or any other car insurance provider) you will be better served to speak directly to a representative or agent who can answer any of your questions. Reply! can be of assistance here as we can connect you to car insurance professionals near you eager and willing to help you find just the right car insurance plan for you and your family.

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