You have several car insurance options, and where you live matters nearly as much as which company you choose to insure with. Progressive car insurance is the nation’s fourth largest car insurer and even they will quote you different prices depending on where y
ou live and drive.
Our driver profile
To shed some light on how Progressive auto insurance performs, we’re going to go shopping for a hypothetical driver. Shannon is a 38-year old married mom who owns a home and has a college degree. She has one moving violation in the last three years and no accidents. She’s driving a used 2010 Mazada 5 which she won’t be insuring for anyone else. They financed the relatively sleek but affordable minivan in 2011. Everyone in the home has health insurance coverage. Shannon has been continuously insured for a decade. She drives a little more than 10 miles to and from work each day, and Progressive estimates she’s putting 12,000 miles a year on her car.
States we’re shopping in
We’re taking Shannon Progressive auto insurance shopping in three different cities: New Orleans, Louisiana; West Jordan (near Provo), Utah; and Charlotte, North Carolina. These states represent the expensive, middle, and inexpensive ranges of states (respectively) in terms of average car insurance prices.
All three states require a minimum in injury liability coverage and property damage liability coverage. Utah also requires personal injury protection (PIP), which is a blanket medical coverage option in the event of an at-fault or no-fault accident. North Carolina requires uninsured and underinsured motorist coverage.
Shannon is a responsible driver and will be purchasing coverage in every state at levels well above the state minimums.
In New Orleans, Shannon would be required to get a minimum of $15,000 per person for bodily injury or death, $30,000 per accident for bodily injury or death, and $25,000 for property damage. This covers her bodily injury and property damage liability.
The Progressive policy we put together for Shannon in Louisiana includes:
- 50/100/50 in liability coverage
- 25/50 in uninsured/underinsured motorist coverage
- Comprehensive and collision coverage with $1,000 deductibles
(These last two cover any damage to the vehicle from a collision or from events such as a fire or theft.)
Shannon gets reasonable discounts from Progressive car insurance in Louisiana, enjoying more than $1,000 a year in reductions due to agreeing to the Progressive “Snapshot” driver monitoring program, and benefitting from being a homeowner without any accidents in the past five years.
Progressive quotes her a rate of about $359 a month.
Utah requires bodily and property liability coverage of 25/65/15. Their uncommon PIP requisite is a minimum of $3,000.
The Progressive plan in Utah for Shannon includes:
- 50/100/50 in liability coverage
- 50/100 in uninsured/underinsured motorist coverage
- The required $3,000 in PIP
- Comprehensive and collision options with $1,000 deductibles
In Utah, Progressive only offers Shannon $500 in discounts for Snapshot. She does benefit more from being a homeowner and an accident-free driver.
Shannon’s Utah Progressive auto insurance premium is $171 per month.
North Carolina has a 30/60/26 requirement for property and bodily injury liability as well as for uninsured motorist coverage.
The North Caroline Progressive policy we’re pursuing for Shannon includes:
- 50/100/50 in liability
- 50/100 in uninsured/underinsured coverage
- Comprehensive and collisions options with $1,000 deductibles
Despite Shannon only getting $55 in discounts from Progressive in North Carolina, she’ll be getting her best rates in North Carolina, with a monthly Progressive premium of $112.
(Even if Shannon opted for the premier level of coverage, with $500,000 in single liability limited coverage for bodily injury and property damage, 500/500 uninsured and motorist and uninsured property damage coverage, a very low $100 deductible for comprehensive and collision, and roadside assistance coverage with an extended transportation expenses allowance, her rate for Progressive car insurance in North Carolina would still only be $195 per month.
Shannon is fictional but not atypical and while your specific circumstances will be different, you can see that location makes a difference, even when considering Progressive.
Jeff Davidson has worked in market research, public relations, consulting, writing, marking and sales in the car insurance industry for more than 25 years. He is currently a writer with Reply!. See his other article on Progressive.