Progressive vs. Trexis: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Progressive offers cheaper premiums than Trexis
• Progressive offers more affordable rates for policyholders who live in urban areas
• Trexis has more affordable premiums in AL and AR

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Progressive or Trexis: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Progressive or Trexis, but between the two, which one will save you the most?

As you can see, Trexis is around $40 more a month than Progressive when looking at the national average rates for car insurance.

But that doesn't mean Progressive will necessarily be less expensive than Trexis for every driver. Insurance carriers use all sorts of complex algorithms to determine rates, so depending on where you live or how good your credit score is (among a variety of other factors), you could see wildly different prices from the ones above.

Wanting to know if Progressive or Trexis is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Progressive vs. Trexis: Average Car Insurance Rates by State

Progressive and Trexis only compete against each other in two states, with Progressive offering cheaper prices to the average driver in all of them. If you live in Alabama, Progressive is the less expensive of the two companies when looking at the overall average rates. Trexis is the more affordable option in Arkansas.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your premiums. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group on the road. That's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of 10% less per month by choosing Progressive over Trexis. It's worth noting that Progressive offers car insurance in 44 different states compared to Trexis's two, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your prices reduce significantly by the time drivers turn 25. For example, average rates for Progressive policyholders lower almost 70% and Trexis's premiums drop nearly 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which carrier offers the best premiums to retired drivers? Progressive gets the edge here, with average rates coming in at about $131 per month compared to Trexis's $171.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be less expensive for married couples than they are for those who are single. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Progressive rates coming in at around 15% less than Trexis's. For married drivers, the advantage is clear again - Progressive has the edge when it comes to average premiums.

Progressive or Trexis: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to car insurance men will normally end up paying a little more.

Men generally pay about $5 a month more than women with Progressive, but with Trexis, the difference is closer to $20 per month.

When it comes to the most affordable prices for each gender, Progressive comes out on top for both men and women. On average, women save about $32 a month and men save around $47 with Progressive compared to the average Trexis policyholder.

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Progressive vs. Trexis: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance can be a complicated subject for most people. There are several different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

When it comes to state minimum liability limits, Trexis has the edge, while Progressive offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $3 with Trexis Insurance, while full coverage comes out to be about $85 cheaper with Progressive.

Is Progressive or Trexis Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and accidents lead to higher prices, but which company -- Progressive or Trexis -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Progressive for their auto insurance can typically expect their monthly bill to go up around 17% after getting a speeding ticket. Trexis policyholders can expect a bit more drastic of an increase of about 19%.

Even so, Progressive has more affordable prices for drivers in both categories. With Progressive, drivers with a clean record can save around $33 per month and drivers with a ticket can save about $45 a month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Progressive can expect to see around an $65 -- or about 30% -- rise in their auto insurance rates. Drivers who use Trexis for their car insurance will see a monthly bill around $65 (or 26%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, Progressive offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $214 compared to Trexis Insurance's $247.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. On average, Trexis will climb your premiums about 19% after a DUI, while Progressive's average rates increase by more than 15%.

Progressive has the overall cheapest premiums for drivers with a DUI on their records at $177 monthly, but it's worth noting that Progressive's average rates come from 44 states compared to just two for Trexis, so the data may be skewed slightly.

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How does Credit Score Impact Progressive and Trexis Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it might come into play for lots of policyholders.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Progressive will generally reward you the most. For policyholders with "excellent" credit scores, Progressive comes in over 30.26 less expensive. Drivers with "good" credit scores normally save around 27% with Progressive compared to average prices from Trexis.

Which Company is Best for Drivers with Bad Credit?

Progressive typically offers lower premiums than Trexis when it comes to drivers with bad credit. Drivers with "fair" credit pay about 18% per month less with Progressive compared to Trexis, and those with "poor" scores usually save an average of around 1% a month.

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Is Progressive or Trexis Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much car insurance companies will charge for coverage. Typically, the more milage you drive, the more you can expect to pay for auto insurance.

In this case, neither Progressive or Trexis report increasing prices for drivers with higher annual mileage figures. Even so, Progressive comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $180 a month for both.

Progressive or Trexis: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a big role in how much you pay for insurance. Generally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Progressive boasts the cheapest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about $13 with Progressive compared to Trexis. People who live in suburban areas pay around $44 less with Progressive compared to Trexis. For policyholders in urban ZIP codes, Progressive's average prices are about $63 less than Trexis Insurance.

Progressive vs. Trexis Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Progressive and Trexis so that you can see which company can save you the most money each month.

Progressive blows Trexis away when it comes to the sheer amount of discounts available, offering 18 more discounts than Trexis.

There are a couple discounts both carriers offer, but Progressive also offers discounts for ABS, advanced safety feature, anti-theft, and more.

On the other hand, Trexis has a few proprietary discounts of their own for things like driver training discounts, life policy discounts, and non-owner discounts.

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Final Thoughts: Is Progressive or Trexis Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance carrier is the best fit for you?

Progressive might be best for you if....

• You have received a ticket within the last few years.
• Your neighborhood is in a city.
• You're of retirement age and want to take advantage of lower rates.

Trexis might be best for you if...

• You live in one of the following states: Alabama and Arkansas.
• You're looking for the best prices on liability only coverage.

Hopefully, this guide helps you get a better idea of the difference between Progressive and Trexis. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Progressive and Trexis. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

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Progressive vs. Trexis FAQs

Is Progressive or Trexis cheaper?

Progressive is the more affordable of the two carriers when looking at national average rates, with policies averaging $180 per month with Progressive and $220 for Trexis. However, that doesn't mean Progressive will be the lowest company for each driver, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Progressive or Trexis?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Progressive and Trexis offer me different rates?

Car insurance companies use a lot of different factors when determining the premiums they charge. Things like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all come into play. Both Progressive and Trexis use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Progressive or Trexis is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Progressive or Trexis at all, but another you hadn't even thought of!

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Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.