How Much Does Progressive Car Insurance Cost?

Progressive full coverage costs $125 per month on average, $11 below the $136 monthly national average across all car insurance reviews MoneyGeek tracks. For a full breakdown of coverages, discounts and complaints, see the complete Progressive car insurance review.

Progressive applies the lowest DUI surcharge of any carrier in MoneyGeek's dataset at approximately $36 per month. It's competitive for drivers with a past DUI who still want solid coverage at a fair price.

The table below shows Progressive's average monthly and annual rates by coverage level, based on an adult male driver with good credit and a clean record.

Car insurance rates vary by state due to differences in regulations, weather patterns, traffic density and litigation rates. Florida's $354 per month stands out as a genuine outlier: the state has the highest rate of uninsured drivers in the country, no-fault PIP fraud is widespread, and hurricane exposure adds a layer of risk unmatched by any other state at the same scale.

New York, despite being one of the most densely populated states in the country, comes in at just $62 per month with Progressive, low because New York's rate regulation is among the strictest in the nation, which compresses what insurers can charge. Regionally, the Southeast and mid-Atlantic states tend to be the most expensive, while the Northern Plains and rural Northeast are the least expensive. If your state is on the expensive end of this table, comparing across carriers is worth doing; Progressive isn't the cheapest option in every state.

If you're adding a teen to your policy, Progressive is likely not your cheapest option. Running a quote comparison before adding a young driver is worth the time. Progressive is most expensive for young drivers at $377 per month, the highest rate among the four carriers with age-segmented data in MoneyGeek's dataset. Costs drop once drivers reach adulthood, falling by $252 to $125 per month. Seniors see a modest increase, paying around $163 per month as age-related risk factors begin to weigh in again.

If you're a young driver looking to reduce costs, see our guide to cheap car insurance for new drivers. Older drivers can explore options in our guide to cheap car insurance for seniors.

Progressive charges $161 per month after a DUI — approximately $36 more than a clean record. That's the lowest DUI surcharge of any carrier in MoneyGeek's dataset, and it's even less than Progressive's own at-fault ( approximately $68 per month) or texting/distracted driving (around $46 per month) surcharges.

For cheap car insurance for high-risk drivers, Progressive is the clear frontrunner for DUI cases. The counterintuitive pricing with Progressive, texting costing more than a DUI, reflects how the insurer's underwriting model weights recurrence risk. A texting violation signals an ongoing behavioral pattern while driving. A DUI, while serious, is treated as a more isolated incident in Progressive's model, which is why its surcharge sits lower on the scale than carriers like GEICO, where the DUI penalty is $133 per month.

If you've been asking why did my car insurance go up after a violation, the table below breaks down how much each infraction costs with Progressive. Drivers with a DUI should also review our guide on cheap car insurance after a DUI for additional options.

Most states allow insurers to factor in credit history when setting rates; California, Hawaii and Massachusetts are the exceptions. The effect is significant with Progressive: drivers with poor credit pay $284 per month compared to $125 for those with good credit, a gap of $159. Even upgrading from good to excellent credit trims about $7 off your monthly rate.

If your credit falls in the poor or below-fair range, improving your score before renewal is one of the most effective ways to lower your premium. MoneyGeek's guide to bad credit car insurance is a good starting point, and reviewing how much car insurance you need can help ensure you're not paying for more coverage than necessary.

At $125 per month and a 92.02 MoneyGeek score, Progressive ranks #2 overall among the 14 insurers MoneyGeek tracks, a combination of solid affordability (#6) and the second-best coverage score (#2). For clean-record adult drivers, GEICO is cheaper at $98 per month, but Progressive's advantage emerges clearly for high-risk profiles. When comparing GEICO car insurance cost vs. Progressive for DUI drivers, Progressive's $161 per month is lower than GEICO's $231 per month.

Keep in mind that the four carriers in the table below represent a national average snapshot. In some states, the ranking shifts — Progressive is not the second-cheapest option in every market. Running a quote in your specific state will give you a more accurate comparison than the national figures here.

For a head-to-head breakdown, see our Progressive vs. GEICO comparison. If cost is your top priority, browse our guides to cheap full coverage car insurance and best car insurance companies for the full ranking across all 14 insurers.