How Much Does Progressive Car Insurance Cost by State

If you’re willing to consider Progressive as your stop search after comparing policies across several insurance providers, it might help to know the cost of car insurance by Progressive based on the state. States or location is one of the factors that affect the cost of car insurance policy and also the type of car. If the car you’re insuring, definitively, the cost of insuring will be very expensive. However, we were able to get the cost of purchasing car insurance from Progressive. Find out how much does progressive car insurance cost by state.

How Much Does Progressive Car Insurance Cost by State

How Much Does Progressive Car Insurance Cost by State

According to Progressive, the average monthly price for a liability-only car insurance policy between 2020 and 2021 costs between the price range of about $71 in Wisconsin to $185 in Delaware. However, the average cost of Progressive car insurance by the state is grouped into different classes such as low-cost states, Medium-cost states, and High-cost states.

Here is a table that shows the average cost of progressive car insurance by State:

Low-cost states 

StatesAverage monthly priceSix-month policy average price
California$78$466
Idaho$78$466
Illinois$78$466
Indiana$78$466
Iowa$78$466
Maine$78$466
Montana$78$466
North Carolina$78$466
North Dakota$78$466
New Mexico$78$466
Ohio$78$466
Oklahoma$78$466
Tennessee$78$466
South Dakota$78$466
Vermont$78$466
Wisconsin$78$466
Wyoming$78$466

Reason Why These States Have More Affordable Car Insurance

You might be wondering why the following states have cheaper car insurance rates, this is because these states aren’t coastal. Therefore, there are less vulnerable to heavy weather such as hurricanes. This eventually indicates fewer claims for glass damage and fewer weather-related auto repairs in particular. In addition, the rate of reports of a vehicle stolen in these states is low each year compare to others. When you have a lower risk, this produces lower insurance prices.  

Medium-cost states

StatesAverage monthly priceSix-month price average cost
Alabama$100$601
Arizona$100$601
Arkansas$100$601
Colorado$100$601
Kansas$100$601
Minnesota$100$601
Mississippi$100$601
Missouri$100$601
Nebraska$100$601
New Hampshire$100$601
Oregon$100$601
Pennsylvania$100$601
Virginia$100$601
Washington$100$601
Texas$100$601
Utah$100$601

Why Are These States Medium Expensive for Car Insurance Cost?

The following states are slightly expensive before they are coastal. This means they are susceptible to catastrophic weather. States having arid deserts are more prone to glass damage from debris and rocks. Also, factors that affect the cost are the vehicle theft rate which is a bit high.

High-cost states

StatesAverage monthly priceSix-month policy average price
Connecticut$146$877
Delaware$146$877
District of Columbia$146$877
Florida$146$877
Georgia$146$877
Kentucky$146$877
Louisiana$146$877
Maryland$146$877
Massachusetts$146$877
Michigan$146$877
Nevada$146$877
New Jersey$146$877
New York$146$877
Rhode Island$146$877
South Carolina$146$877
West Virginia$146$877

Why Do These States Have the Most Expensive Car Insurance?

The main reason why progressive car insurance is highly expensive in the following states is due to the high level of population density like New York. Because of its high popularity, the chances of getting involved in an accident are quite high. Also, they are more coastal states with a high-level risk of floods and hurricanes.

How to Lower Your Progressive Car Insurance

Despite, the low cost, medium cost, and high cost of progressive car insurance, there are a variety of options to get cheaper car insurance even in high-cost states like New York. Getting low-cost auto insurance at Progressive is simple with certain activities such as earning discounts, driving responsibly, and more.

Plus, you can customize your policy to find a more suitable balance between costs and coverage. Aside from that, you can use the following tools and programs offered by Progressive to find high-quality and cheap car insurance:

  • Compare rates: make use of the Progressive comparison tool to compare various car insurance quotes to find cheap car insurance across several insurance providers.
  • Name Your Price Tool: these tools by Progressive allows you to mention the amount you will like to pay. Then, the company will provide you with the coverage option that goes with the price you gave. The Progressive Name Your Price Tool serves as a fast and convenient method to find the cheaper car insurance coverage that you need.
  • Try Snapshot: The Snapshot program is owned by Progressive that allows you to personalize your rate based on your actual driving. This means the safer your drive, the bigger your chance of saving more. According to reports, with Snapshot, you can save an average of $146 a year.

In addition, the Progressive auto discount is another way in which drivers can save over $700 on average. These include multi-policy, multi-car, continuous insurance, Snapshot: safe driver discount, and more.

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