Progressive vs. Safe Auto

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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.


Compare Progressive vs. Safe Auto auto insurance rates


Progressive vs. Safe Auto: prices 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:

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: rates after infractions

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.

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: rates 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.

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 supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Ratings Comparison Progressive Safe Auto
Financial Strength Question mark icon Superior N/A
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Progressive Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Progressive Safe Auto
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.
Recent Questions Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
See More Questions
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