If you’re willing to consider Progressive as your stop search after comparing policies across several insurance providers, it might help to know the cost of car insurance by Progressive based on the state. States or location is one of the factors that affect the cost of car insurance policy and also the type of car. If the car you’re insuring, definitively, the cost of insuring will be very expensive. However, we were able to get the cost of purchasing car insurance from Progressive. Find out how much does progressive car insurance cost by state.
How Much Does Progressive Car Insurance Cost by State
According to Progressive, the average monthly price for a liability-only car insurance policy between 2020 and 2021 costs between the price range of about $71 in Wisconsin to $185 in Delaware. However, the average cost of Progressive car insurance by the state is grouped into different classes such as low-cost states, Medium-cost states, and High-cost states.
Here is a table that shows the average cost of progressive car insurance by State:
Low-cost states
| States | Average monthly price | Six-month policy average price |
| California | $78 | $466 |
| Idaho | $78 | $466 |
| Illinois | $78 | $466 |
| Indiana | $78 | $466 |
| Iowa | $78 | $466 |
| Maine | $78 | $466 |
| Montana | $78 | $466 |
| North Carolina | $78 | $466 |
| North Dakota | $78 | $466 |
| New Mexico | $78 | $466 |
| Ohio | $78 | $466 |
| Oklahoma | $78 | $466 |
| Tennessee | $78 | $466 |
| South Dakota | $78 | $466 |
| Vermont | $78 | $466 |
| Wisconsin | $78 | $466 |
| Wyoming | $78 | $466 |
Reason Why These States Have More Affordable Car Insurance
You might be wondering why the following states have cheaper car insurance rates, this is because these states aren’t coastal. Therefore, there are less vulnerable to heavy weather such as hurricanes. This eventually indicates fewer claims for glass damage and fewer weather-related auto repairs in particular. In addition, the rate of reports of a vehicle stolen in these states is low each year compare to others. When you have a lower risk, this produces lower insurance prices.
Medium-cost states
| States | Average monthly price | Six-month price average cost |
| Alabama | $100 | $601 |
| Arizona | $100 | $601 |
| Arkansas | $100 | $601 |
| Colorado | $100 | $601 |
| Kansas | $100 | $601 |
| Minnesota | $100 | $601 |
| Mississippi | $100 | $601 |
| Missouri | $100 | $601 |
| Nebraska | $100 | $601 |
| New Hampshire | $100 | $601 |
| Oregon | $100 | $601 |
| Pennsylvania | $100 | $601 |
| Virginia | $100 | $601 |
| Washington | $100 | $601 |
| Texas | $100 | $601 |
| Utah | $100 | $601 |
Why Are These States Medium Expensive for Car Insurance Cost?
The following states are slightly expensive before they are coastal. This means they are susceptible to catastrophic weather. States having arid deserts are more prone to glass damage from debris and rocks. Also, factors that affect the cost are the vehicle theft rate which is a bit high.
High-cost states
| States | Average monthly price | Six-month policy average price |
| Connecticut | $146 | $877 |
| Delaware | $146 | $877 |
| District of Columbia | $146 | $877 |
| Florida | $146 | $877 |
| Georgia | $146 | $877 |
| Kentucky | $146 | $877 |
| Louisiana | $146 | $877 |
| Maryland | $146 | $877 |
| Massachusetts | $146 | $877 |
| Michigan | $146 | $877 |
| Nevada | $146 | $877 |
| New Jersey | $146 | $877 |
| New York | $146 | $877 |
| Rhode Island | $146 | $877 |
| South Carolina | $146 | $877 |
| West Virginia | $146 | $877 |
Why Do These States Have the Most Expensive Car Insurance?
The main reason why progressive car insurance is highly expensive in the following states is due to the high level of population density like New York. Because of its high popularity, the chances of getting involved in an accident are quite high. Also, they are more coastal states with a high-level risk of floods and hurricanes.
How to Lower Your Progressive Car Insurance
Despite, the low cost, medium cost, and high cost of progressive car insurance, there are a variety of options to get cheaper car insurance even in high-cost states like New York. Getting low-cost auto insurance at Progressive is simple with certain activities such as earning discounts, driving responsibly, and more.
Plus, you can customize your policy to find a more suitable balance between costs and coverage. Aside from that, you can use the following tools and programs offered by Progressive to find high-quality and cheap car insurance:
- Compare rates: make use of the Progressive comparison tool to compare various car insurance quotes to find cheap car insurance across several insurance providers.
- Name Your Price Tool: these tools by Progressive allows you to mention the amount you will like to pay. Then, the company will provide you with the coverage option that goes with the price you gave. The Progressive Name Your Price Tool serves as a fast and convenient method to find the cheaper car insurance coverage that you need.
- Try Snapshot: The Snapshot program is owned by Progressive that allows you to personalize your rate based on your actual driving. This means the safer your drive, the bigger your chance of saving more. According to reports, with Snapshot, you can save an average of $146 a year.
In addition, the Progressive auto discount is another way in which drivers can save over $700 on average. These include multi-policy, multi-car, continuous insurance, Snapshot: safe driver discount, and more.
