Progressive vs Safe Auto: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Progressive or Safe Auto: Which company is best for you?
Choosing an auto insurance company can be difficult: companies' rates differ based on your driving record, location, and age, and companies offer an array of perks. Progressive and Safe Auto are two of the most popular auto insurance companies, providing high-quality policies in most states.
To help simplify the process of comparing insurance companies, we've gathered typical insurance rates from Safe Auto and Progressive. These cover a variety of rating factors, including credit score, driving record, and demographics. Check out the below rates and find the right policy for you.
Want to learn more? Consult our comprehensive reviews of Progressive and Safe Auto.
Progressive vs. Safe Auto: by credit level
If you have extremely bad credit, Progressive could be preferable to Progressive. Typically, Progressive offers more affordable rates than Safe Auto for drivers with credit scores of lower than 580. Those with outstanding credit — a score of 800 or better — should opt for Progressive, which typically beats Safe Auto by $601 per year. Check out average insurance costs by credit tier for Safe Auto and Progressive:
INSURER RATES BY CREDIT SCORE: SAFE AUTO VS. PROGRESSIVE
| Credit level | Progressive avg. annual premium | Safe Auto avg. annual premium |
| Very Poor (300-579) | $3,602 | $3,799 |
| Fair (580-669) | $2,127 | $2,483 |
| Good (670-739) | $1,708 | $3,358 |
| Very Good (740-799) | $1,453 | $1,937 |
| Exceptional (800-850) | $1,320 | $1,921 |
Progressive vs. Safe Auto: by citation
If you're saddled with an at-fault collision, ticket, reckless driving citation, or DWI in your rear view mirror, Progressive could be a better choice than Safe Auto. Every car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.
INSURER RATES BY VIOLATION: SAFE AUTO VS. PROGRESSIVE
| Violation | Progressive avg. annual premium | Safe Auto avg. annual premium |
| At-fault accident (damage < $1,000) | $2,720 | $2,867 |
| At-fault accident (damage > $1,000) | $2,245 | $2,837 |
| DUI/DWI | $2,201 | $2,867 |
| Reckless driving | $2,457 | $2,867 |
| Speeding ticket | $2,091 | $2,738 |
Progressive vs. Safe Auto: by age
Insurance companies rely on age to outline risk potential, assigning rates accordingly. An insurance policy is often expensive for teens — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company prices age tiers in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Progressive before Safe Auto: Progressive offers average yearly savings of $14, compared to Safe Auto.
INSURER RATES BY AGE: SAFE AUTO VS. PROGRESSIVE
| Age tier | Progressive avg. annual premium | Safe Auto avg. annual premium |
| Teens | $8,248 | $8,262 |
| 20s | $2,287 | $2,764 |
| 30s | $1,646 | $2,764 |
| 40s | $1,644 | $2,053 |
| 50s | $1,542 | $1,862 |
| 60s | $1,403 | $1,707 |
Setting aside cost, Progressive and Safe Auto both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | Progressive | Safe Auto |
|---|---|---|
| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Progressive | Safe Auto |
|---|---|---|
| Financial Strength | Superior | N/A |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Progressive | Safe Auto |
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| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Progressive | Safe Auto |
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| About | Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you. | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. |
| Roadside Assistance | Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. | Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable. |
| Additional Discounts | Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. | Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues. |
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