How Much Does Progressive Car Insurance Cost?

Progressive full coverage costs an average of $125 per month. See rates by state, age, credit and driving record, including the lowest DUI surcharge among major insurers.

Find out if you're overpaying for car insurance below.

Written by Mark Fitzpatrick

Updated: March 26, 2026

Advertising & Editorial Disclosure

Key Takeaways

Progressive full coverage costs $125 per month ($1,503 per year) for a 40-year-old male with good credit and a clean record, $11 below the national average of $136 per month.

Among the 14 major insurers MoneyGeek tracks, Progressive ranks #2 overall with the highest MoneyGeek score (92.02), combining solid affordability (#6) with the second-best coverage score (#2).

State rates range from $52 per month in South Dakota to $354 per month in Florida.

Progressive's DUI surcharge is only about $36 per month, the lowest of any carrier in MoneyGeek's dataset. It's the best option for drivers with a DUI on record.

How Much Does Progressive Cost on Average?

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.


State minimum liability only	$67	$802
50/100/50 full coverage w/ $500 deductible	$119	$1,429
100/300/100 full coverage w/ $1,000 deductible	$125	$1,503
300/500/300 full coverage w/ $1,500 deductible	$143	$1,722

Progressive Car Insurance Cost by State

Car insurance rates vary by state due to differences in regulations, weather patterns, traffic density and litigation rates. Among the states where MoneyGeek has Progressive data, South Dakota is the cheapest at $52 per month, while Florida is the most expensive at $354 per month. Note that Progressive doesn't have rate data available for Idaho, Minnesota and Wyoming in MoneyGeek's dataset.

If you're looking for ways to save, check out cheap car insurance options by state or compare car insurance rates across top insurers to find the best deal for your location.


Alabama	$131	$1,577
Alaska	$133	$1,591
Arizona	$124	$1,484
Arkansas	$132	$1,589
California	$96	$1,151
Colorado	$160	$1,919
Connecticut	$188	$2,253
Delaware	$169	$2,025
District of Columbia	$256	$3,073
Florida	$354	$4,252
Georgia	$124	$1,492
Hawaii	$112	$1,341
Illinois	$110	$1,324
Indiana	$71	$853
Iowa	$77	$926
Kansas	$126	$1,511
Kentucky	$134	$1,610
Louisiana	$215	$2,584
Maine	$66	$795
Maryland	$193	$2,311
Massachusetts	$114	$1,368
Michigan	$102	$1,226
Mississippi	$121	$1,452
Missouri	$102	$1,219
Montana	$126	$1,506
Nebraska	$107	$1,287
Nevada	$158	$1,892
New Hampshire	$80	$955
New Jersey	$172	$2,063
New Mexico	$111	$1,331
New York	$62	$745
North Carolina	$61	$737
North Dakota	$70	$844
Ohio	$85	$1,023
Oklahoma	$89	$1,069
Oregon	$81	$975
Pennsylvania	$172	$2,068
Rhode Island	$143	$1,720
South Carolina	$135	$1,623
South Dakota	$52	$621
Tennessee	$108	$1,297
Texas	$147	$1,758
Utah	$104	$1,250
Vermont	$73	$872
Virginia	$122	$1,460
Washington	$99	$1,184
West Virginia	$134	$1,612
Wisconsin	$111	$1,329

Progressive Car Insurance Cost by Age

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.

Age Group	Monthly	Annual
Young drivers	$377	$4,522
Adult drivers	$125	$1,503
Senior drivers	$163	$1,954

Progressive Car Insurance Cost for High-Risk Drivers

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. 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.


Clean record	$125	$1,503	—
Not-at-fault accident	$144	$1,725	+$18/mo
DUI (BAC ≥ 0.08)	$161	$1,937	+$36/mo
Speeding ticket (11–15 mph over)	$167	$2,007	+$42/mo
Texting/Distracted driving	$171	$2,051	+$46/mo
At-fault accident ($1,000–2,000 damage)	$193	$2,317	+$68/mo

How Your Credit Score Affects Progressive Car Insurance Cost

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.

Credit Tier	Monthly	Annual
Excellent	$118	$1,421
Good	$125	$1,503
Fair	$202	$2,427
Below Fair	$237	$2,839
Poor	$284	$3,411

How to Lower Your Progressive Car Insurance Cost

Progressive offers several paths to lower your rate. Combining strategies, like bundling plus Snapshot, can compound your savings at renewal.

1
Bundle home and auto
Progressive offers a multi-policy discount for combining auto with home, renters or condo coverage. Get a bundled quote to see your combined savings; this is one of the quickest ways to reduce your total insurance spend. You can also explore car insurance discounts available with Progressive.
2
Enroll in Snapshot
Progressive's Snapshot telematics program tracks driving behavior and rewards safe habits, smooth braking, low mileage and avoiding hard stops, with a personalized discount. Most drivers who enroll save money, and you can estimate your Progressive rate before committing.
3
Raise your deductible
Increasing your deductible from $500 to $1,000 reduces your monthly premium. A $2,000 deductible lowers it further; weigh the savings against your ability to cover the higher out-of-pocket cost after a claim.
4
Improve your credit score
Moving from poor to good credit can save approximately $159 per month with Progressive, based on MoneyGeek's data. Reducing revolving balances and correcting credit report errors before renewal can move you into a lower pricing tier.
5
Compare at Every Renewal
Progressive ranks #2 overall among 14 insurers but isn't the cheapest option for every driver or every state. Running a car insurance rate comparison at each renewal confirms you're still getting the best available rate.

How Progressive's Cost Compares to Other Insurers

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.

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.

Insurer	Monthly	Annual	MG Overall Rank
GEICO	$98	$1,179	#4 of 14
State Farm	$121	$1,448	#6 of 14
Progressive	$125	$1,503	#2 of 14
Allstate	$161	$1,937	#10 of 14

Frequently Asked Questions About Progressive Car Insurance Cost

How much does Progressive car insurance cost per month?

Progressive full coverage costs an average of $125 per month for an adult male with good credit and a clean record. This is $11 below the national average of $136 across all insurers MoneyGeek tracks. Your rate will vary by state, age, credit and driving record.

Is Progressive good for high-risk drivers?

Progressive is the best option for drivers with a DUI in MoneyGeek's dataset. Its DUI surcharge is about $36 lower than GEICO ($133 per month) or Allstate ($106 per month). For other violations like at-fault accidents, compare across multiple insurers.

How does Progressive compare to GEICO on cost?

For a clean-record adult driver, GEICO averages $98 per month, compared with Progressive's $125 per month, a difference of $27 per month in GEICO's favor. For drivers with a DUI, Progressive's rate ($161 per month) is far lower than GEICO's ($231 per month). See the full GEICO car insurance cost breakdown for more details.

Does Progressive charge more for bad credit?

Yes. Drivers with poor credit pay $284 per month with Progressive vs. $125 per month for good credit, a $159 per month difference. Credit-based pricing applies in most states; California, Hawaii and Massachusetts prohibit it.

What is the cheapest Progressive coverage option?

The state minimum liability average is $67 per month with Progressive. It only covers damage you cause to others and doesn't protect your own vehicle. Drivers with a loan or lease are required to carry full coverage. See our guide to cheap liability car insurance for more options.

Does Progressive offer discounts to lower my rate?

Yes. Key programs include Snapshot (telematics), multi-policy bundling, good student and multi-vehicle discounts. Savings vary by state and profile.

MoneyGeek calculated Progressive car insurance rates using a sample profile of a 40-year-old male driver with good credit, a clean driving record and 100/300/100 liability limits with a $1,000 deductible on full coverage. Rates are averaged across ZIP codes. Individual quotes will vary. MoneyGeek scores and ranks 14 insurers in total. For more details, visit MoneyGeek's methodology.

National data: April 2025 | State data: November 2025

What MoneyGeek Measures

Insurers scored and ranked

92.02

Progressive's overall MG score

Progressive's overall rank

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »