5) Progressive Car Insurance
A DUI on your record will result in a sharp rate increase when you renew coverage or purchase a new policy, but Progressive’s average rate after a DUI ($2,307) is significantly lower than the national average of $3,363. Progressive’s rates for other types of drivers are generally below average, though you’ll likely see higher rates with Progressive than some other insurers if you have a speeding ticket or accident causing property damage on your record.
Progressive car insurance is available in all 50 states and it offers a slew of features and coverage options, such as rideshare insurance and gap insurance. It doesn’t offer new car replacement coverage, however.
Pros –
- Lowest average rate for drivers with a DUI on their record.
- Below-average rates for most drivers.
- Coverage available in all 50 states.
- Offers rideshare insurance and gap insurance.
Cons –
- Higher rates for drivers with a speeding ticket or accident causing property damage on their record than other companies in our analysis.
- Above-average rates for young drivers on their own policy.
- Does not offer new car replacement.
More Details (Average Rates)
| DRIVER PROFILE | AVERAGE ANNUAL CAR INSURANCE RATE |
|---|---|
| Good driver | $1,826 |
| After an accident with injury | $2,770 |
| After an accident with property damage | $2,818 |
| After a DUI | $2,307 |
| After a speeding ticket | $2,350 |
| Young driver (18 to 25) | $3,704 |
| Senior driver | $1,937 |
| Parents adding a teen driver | $3,864 |
| Poor credit | $3,221 |
| After a gap in coverage | $2,008 |
Final Words:
Nationwide emerges as our top pick for the best auto insurance company overall, considering our comprehensive evaluation of rates, coverage options, and consumer feedback. However, it’s crucial to highlight that USAA auto insurance is exclusively accessible to military members, veterans, and their eligible relatives. Therefore, if you seek the best car insurance for full coverage, Nationwide is recommended. Additionally, Nationwide stands out for offering the most affordable rates for senior drivers, averaging $1,402 annually or approximately $117 monthly.