- The Auto Club Group vs. Progressive: Which one is the cheapest?
- The Auto Club Group vs. Progressive: Rates by age group
- The Auto Club Group vs. Progressive: Rates for high-risk drivers
- The Auto Club Group vs. Progressive: Rates in your state
- The Auto Club Group vs. Progressive: Which offers better discounts?
- The Auto Club Group vs. Progressive: The bottom line
- Methodology
The Auto Club Group vs. Progressive: Which one is the cheapest?
The Auto Club Group state minimum coverage costs an average of $488 annually, while Progressive costs $549.
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, The Auto Club Group costs an average of $1,621. Progressive costs more at an average of $1,998.
It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your 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 plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.
For example, adults pay an average of $4,872 with The Auto Club Group, while Progressive charges an average of $7,174 for an adult.
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 from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for The Auto Club Group and Progressive. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
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 solid insurance companies, but if rates are what matter most to you, The Auto Club Group may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.