The Auto Club Group vs. Progressive: Which offers the cheapest auto insurance rates?

The Auto Club Group vs. Progressive: Which one is the cheapest?

The Auto Club Group costs an average of $488, while Progressive has average rates for state minimum coverage of $549.

For full coverage with 100/300/100 in liability and $500 deductibles for comprehensive and collision, The Auto Club Group costs an average of $1,621 annually. Progressive is more expensive, with an average cost of $1,998.

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
The Auto Club Group	$1,621	$488	$507
Progressive	$1,998	$549	$709

The Auto Club Group vs. Progressive: Rates by age group

For teens—one of the most expensive age groups to insure–The Auto Club Group offers the lowest rates at $4,872 per year. Progressive is more expensive, with an average cost of $7,174 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,607 at The Auto Club Group, while at Progressive the average rate for an adult is $2,009.

Age group	The Auto Club Group	Progressive
Teens	$4,872	$7,174
Young adults	$2,757	$3,242
Adults	$1,607	$2,009
Seniors	$1,548	$2,000

The Auto Club Group vs. Progressive: Rates for high-risk drivers

Progressive has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.

Take a look at the table below for The Auto Club Group rates compared to Progressive rates.

Type of violation	The Auto Club Group	Progressive
1 At-fault property damage accident over $2K	$2,557	$3,119
1 At-fault property damage accident under $2K	$2,557	$3,103
At-fault bodily injury accident	$2,557	$3,126
Careless driving	$2,904	$2,936
DUI	$4,957	$2,707
Reckless driving	$4,957	$2,982
Speeding	$3,033	$2,650

The Auto Club Group vs. Progressive: Rates in your state

Insurance rates vary by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where The Auto Club Group and Progressive have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.

State	Progressive	The Auto Club Group
Alabama	$2,402	N/A
Alaska	$1,742	N/A
Arizona	$1,903	N/A
Arkansas	$2,431	N/A
California	$2,179	N/A
Colorado	$2,796	N/A
Connecticut	$1,708	N/A
Delaware	$1,999	N/A
Florida	$2,902	N/A
Georgia	$1,656	N/A
Hawaii	$1,279	N/A
Illinois	$1,412	$979
Indiana	$1,480	N/A
Iowa	$1,589	N/A
Kansas	$1,937	N/A
Kentucky	$2,714	N/A
Louisiana	$3,065	N/A
Maine	$1,106	N/A
Maryland	$1,895	N/A
Massachusetts	$2,016	N/A
Michigan	$2,069	$2,537
Minnesota	N/A	$1,636
Mississippi	$2,131	N/A
Missouri	$1,960	N/A
Montana	$2,414	N/A
Nebraska	$1,964	N/A
Nevada	$2,482	N/A
New Hampshire	$1,343	N/A
New Jersey	$2,187	N/A
New Mexico	$1,557	N/A
New York	$1,020	N/A
North Carolina	$2,028	N/A
North Dakota	$1,403	N/A
Ohio	$1,626	N/A
Oklahoma	$1,194	N/A
Oregon	$1,765	N/A
Pennsylvania	$2,193	N/A
Rhode Island	$1,841	N/A
South Carolina	$1,816	N/A
South Dakota	$3,163	N/A
Tennessee	$1,550	N/A
Texas	$3,032	N/A
Utah	$1,845	N/A
Vermont	$926	N/A
Virginia	$2,120	N/A
Washington	$2,554	N/A
Washington, D.C.	$1,488	N/A
West Virginia	$1,825	N/A
Wisconsin	$2,128	N/A

The Auto Club Group vs. Progressive: Which offers better discounts?

Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts The Auto Club Group and Progressive give to their customers.

Discounts	Progressive	The Auto Club Group
Multi policy	9%	14%
Payment type	11%	8%
Electronic funds transfer	3%	7%
Daily commute	N/A	6%
Lower annual mileage	5%	2%
Profession	14%	4%
Homeowner	4%	N/A
Education	4%	2%
Days advanced purchase	4%	13%
Safety devices	3%	3%
Loyalty	3%	16%
Paperless/electornic documents	1%	2%
Anti-theft device	0%	2%
Marital status	12%	11%
Telematics	10%	N/A
Electronic signature	10%	N/A
Air bags	1%	1%

Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.

The Auto Club Group vs. Progressive: The bottom line

Both The Auto Club Group and Progressive are good insurance companies, but if cheaper rates are your top priority, The Auto Club Group might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: