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Choosing a car insurer is difficult: rates vary based on your driving record, location, and age, and every company's discounts vary. Progressive and Safe Auto are two of the most popular insurers, offering competitively priced insurance policies across many states.
In an effort to simplify the comparison process, we've pulled typical policy rates from Safe Auto and Progressive. These rates cover myriad rating factors, including credit score, driving history, and age. Examine these figures and find the right policy for you.
If you have extremely bad credit, Progressive could be the way to go. On average, Progressive offers better rates than Safe Auto for drivers with credit scores of lower than 580. Those with outstanding credit — a score of 800 or higher — should lean toward Progressive, which typically beats Safe Auto by $601 annually. Check out average insurance rates by credit score for Safe Auto and Progressive below.
|Credit level||Progressive avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$3,602||$3,799|
|Very Good (740-799)||$1,453||$1,937|
If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your record, Progressive could be a better choice than Safe Auto. Every insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer suits you.
|Infraction||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|
Insurers use age to outline potential risk, pricing policies on a sliding scale. Car insurance is commonly priciest for teen drivers — because of their inexperience — and most affordable for middle-aged drivers. Because every insurance company rates age tiers in a different way, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Progressive over Safe Auto: Progressive offers average yearly savings of $14, compared to Safe Auto.
|Age bracket||Progressive avg. annual premium||Safe Auto avg. annual premium|
Finances aside, Progressive and Safe Auto come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||Progressive||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Progressive||Safe Auto|
|JD Power Rankings|
|Other Products||Progressive||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Progressive||Safe Auto|
|About||Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service 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
|Should I get full coverage from a less well-known insurer?|
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
|Compare More||Progressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAA||Safe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|
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