Auto-Owners vs Progressive Car Insurance for 2023
Unleash a collision of industry titans as Auto-Owners and Progressive go head-to-head in the dynamic realm of car insurance, revealing their unique attributes and customer-centric strategies for your informed decision-making.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Navigating the complex landscape of car insurance rates becomes a streamlined journey as we delve into the data table’s insights. Examining factors such as credit score, mileage, coverage level, and driving record, a clear pattern emerges, revealing one company’s prowess in catering to diverse customer profiles. Whether you prioritize a pristine driving record, a stellar credit score, or extensive coverage, our comprehensive analysis will illuminate the insurance provider that stands out, offering the most advantageous rates tailored to your specific needs. This concise guide aims to empower readers, providing a quick, informed snapshot of how these crucial factors intricately shape insurance rates across companies.
| Factor | Auto-Owners | Progressive |
|---|---|---|
| Clean Record | $87 | $105 |
| 1+ Ticket | $105 | $140 |
| 1+ Accident | $127 | $186 |
| DUI | $130 | $140 |
| Poor Credit | $150 | $181 |
| Discount | Auto-Owners | Progressive |
|---|---|---|
| Anti Theft | 5% | 31% |
| Good Student | 10% | 20% |
| Low Mileage | 10% | 5% |
| Paperless | 7% | 15% |
| Safe Driver | 15% | 10% |
| Senior Driver | 10% | 10% |
Auto-Owners Car Insurance
Pros:
- Affordability: Auto-Owners offers some of the most affordable car insurance rates in the country, with an average annual premium of $1,224.
- Customer Satisfaction: The company has received positive feedback for prompt and fair claims processing, ranking highest in overall customer satisfaction in the Midwest according to J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study.
- Coverage Options: Auto-Owners provides a wide range of insurance products, including car insurance, home insurance, life insurance, and business insurance.
Cons:
- Limited Availability: Auto-Owners car insurance is available in 26 states, which may limit options for customers in other locations.
- Average Premium: While affordable, the average premium is not the lowest in the market, and rates may vary based on individual factors.
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Progressive Car Insurance
Pros:
- National Coverage: Progressive car insurance is available in all 50 states and the District of Columbia, offering broad accessibility.
- Innovative Pricing Model: Progressive’s usage-based insurance program, Snapshot, rewards safe drivers with lower rates, showcasing an innovative approach to pricing.
- Comprehensive Discounts: Progressive offers various discounts, including bundling policies, insuring multiple cars, and participating in Snapshot, providing opportunities for savings.
Cons:
- Higher Average Premium: The average annual premium for Progressive is $1,670, slightly higher than the national average, potentially making it less budget-friendly for some customers.
- Customer Satisfaction Ranking: While highly rated, Progressive ranks second in overall customer satisfaction among national auto insurers, according to J.D. Power’s 2021 U.S. Auto Insurance Study.
Best Car Insurance Company: Auto-Owners vs. Progressive
After a thorough examination of both Auto-Owners and Progressive car insurance, it is evident that Progressive emerges as the superior choice overall.
Rates and Affordability: While Auto-Owners boasts affordability with an average annual premium of $1,224, Progressive’s competitive pricing and innovative pricing model, particularly through the Snapshot program, make it a more attractive option for a broader range of customers. The availability of comprehensive discounts further enhances Progressive’s affordability.
National Coverage and Accessibility: Progressive’s nationwide coverage in all 50 states and the District of Columbia provides unparalleled accessibility compared to Auto-Owners, which is limited to 26 states. This broad availability ensures that Progressive can cater to a more extensive customer base, offering its services to individuals across the country.
Innovative Approach with Snapshot: Progressive’s usage-based insurance program, Snapshot, sets it apart in the market by rewarding safe driving habits with lower rates. This innovative approach not only aligns with modern preferences but also provides customers with an opportunity to actively influence their premium costs.
Comprehensive Discounts and Options: Progressive excels in offering a wide array of discounts, including bundling policies, insuring multiple cars, and various other savings opportunities. This flexibility allows customers to tailor their policies to fit their needs while enjoying cost savings.
Customer Satisfaction and Nationwide Recognition: While both companies receive positive feedback, Progressive’s second-place ranking in overall customer satisfaction among national auto insurers, as per J.D. Power’s 2021 U.S. Auto Insurance Study, positions it favorably in terms of industry recognition and customer experience.
Company History and Mission
Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Mount Pleasant, Michigan. From its humble beginnings as a single office with a handful of employees, the company has grown to become one of the largest insurers in the United States. Today, Auto-Owners offers a wide range of insurance products, including car insurance, home insurance, life insurance, and business insurance.
The company’s mission is to provide “peace of mind and protection when you need it most.” To accomplish this, Auto-Owners focuses on providing exceptional customer service, personalized coverage options, and fast claims processing. The company also prides itself on its financial stability, with a strong commitment to maintaining a high level of surplus to ensure it can meet its financial obligations to policyholders.
Progressive Insurance was founded in 1937 by Joseph Lewis and Jack Green as Progressive Mutual Insurance Company. The company initially offered car insurance to high-risk drivers, but over the years, it has expanded its offerings to include a range of insurance products for consumers and businesses.
Today, Progressive is one of the largest car insurance companies in the United States, with policies sold in all 50 states and the District of Columbia. Progressive’s mission is to make car insurance easy and affordable for everyone.
The company is committed to providing a seamless online experience for customers, with the option to purchase policies, file claims, and access account information all from its website or mobile app. Progressive is also known for its innovative pricing model, which rewards safe drivers with lower rates through its usage-based insurance program, Snapshot.
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Products and Services Offered
Auto-Owners offers a wide range of insurance products, including car insurance, home insurance, life insurance, and business insurance. Its car insurance policies include liability coverage, collision coverage, comprehensive coverage, and personal injury protection. Auto-Owners also offers a range of optional coverages, such as roadside assistance, rental car coverage, and gap insurance.
The cost of Auto-Owners car insurance varies depending on a number of factors, including the driver’s age, driving history, and location. According to a recent survey by U.S. News & World Report, Auto-Owners offers some of the most affordable car insurance rates in the country, with an average annual premium of $1,224.
Auto-Owners car insurance is available in 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
Progressive offers a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage. Progressive also offers a number of optional coverages, such as roadside assistance, rental car coverage, and gap insurance.
The cost of Progressive car insurance varies depending on a number of factors, including the driver’s age, driving history, and location. According to a recent survey by U.S. News & World Report, Progressive’s average annual premium is $1,670, which is higher than the national average.
However, Progressive offers a number of discounts and savings opportunities that can help lower the cost of coverage. Progressive car insurance is available in all 50 states and the District of Columbia.
Discounts Available to Customers
Auto-Owners offers a range of discounts to help customers save money on their car insurance premiums. These discounts include:
- Multi-policy discount: Save up to 25% when you bundle your car insurance with home, life, or business insurance.
- Safe driver discount: Get rewarded for being a safe driver with discounts of up to 20%.
- Good student discount: Students with good grades can save up to 20% on their car insurance premiums.
- Anti-theft device discount: Save up to 15% if your car is equipped with an anti-theft device.
- Paid in full discount: Pay your premium in full upfront and save up to 5%.
Progressive also offers a number of discounts and savings opportunities to help customers save money on their car insurance. These discounts include:
- Multi-policy discount: Save up to 5% when you bundle your car insurance with another Progressive policy.
- Multi-car discount: Save up to 12% when you insure two or more cars with Progressive.
- Safe driver discount: Get rewarded for being a safe driver with discounts of up to 30%.
- Good student discount: Students with good grades can save up to 10% on their car insurance premiums.
- Usage-based insurance discount: Sign up for Progressive’s usage-based insurance program, Snapshot, and save up to 30% on your premium.
Case Studies: Auto-Owners vs Progressive Car Insurance
Case Study 1: Young Driver With Good Grades
John is a 19-year-old college student with a clean driving record and excellent grades. He is looking for affordable car insurance that offers good coverage options. Both Auto-Owners and Progressive offer discounts for good students, but John wants to compare their rates and overall customer satisfaction ratings before making a decision.
Case Study 2: Family With Multiple Vehicles
The Johnsons are a family of four with two cars. They want to insure both vehicles with the same insurance company to simplify their coverage. Auto-Owners and Progressive both offer multi-car discounts, but the Johnsons are interested in comparing the rates, coverage options, and customer reviews of each company to ensure they are getting the best value for their insurance needs.
Case Study 3: Experienced Driver With Safe Driving Record
Sarah is a 45-year-old driver with many years of experience and a spotless driving record. She wants to find a car insurance company that rewards safe driving with discounts. Both Auto-Owners and Progressive offer safe driver discounts, but Sarah wants to compare the extent of the discounts, as well as the overall customer satisfaction ratings, claims process, and additional benefits offered by each company.
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Auto-Owners vs. Progressive Claims Processing Overview
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Both Auto-Owners and Progressive offer convenient options for filing insurance claims. Customers can choose to file claims online through the respective company websites or mobile apps. Additionally, both companies provide the option to file claims over the phone, ensuring flexibility in the claims process.
Average Claim Processing Time
Auto-Owners and Progressive are committed to efficient claims processing. While the specific processing times may vary depending on the complexity of the claim, both companies strive to handle claims promptly. Customers can expect a reasonable turnaround time for claim resolutions.
Customer Feedback on Claim Resolutions and Payouts
Both Auto-Owners and Progressive have received positive feedback from customers regarding their claim resolutions and payouts. Customers appreciate the fair and timely handling of claims by both companies. Additionally, both insurers have garnered high customer satisfaction ratings in industry studies, indicating their commitment to delivering excellent claims experiences.
Exploring Digital and Technological Advancements of Auto-Owners vs. Progressive
Mobile App Features and Functionality
Auto-Owners and Progressive offer robust mobile apps that empower policyholders with convenient features and functionality. These apps enable users to manage their policies, access digital insurance cards, file claims, and track the progress of their claims—all from the convenience of their mobile devices. The user-friendly interfaces make it easy for customers to navigate and utilize these features.
Online Account Management Capabilities
Both Auto-Owners and Progressive provide policyholders with comprehensive online account management capabilities. Through their respective websites, customers can review policy details, make payments, update personal information, and explore additional coverage options. The online account portals are designed to enhance customer convenience and accessibility.
Digital Tools and Resources
Auto-Owners and Progressive offer a range of digital tools and resources to assist customers in understanding their insurance coverage. These tools may include online calculators to estimate premium costs, educational materials on insurance topics, and resources to help customers make informed decisions about their coverage.
These digital resources contribute to the overall customer experience and help policyholders make well-informed insurance choices.
Customer Reviews
Auto-Owners has a strong reputation for customer service and claims handling, with many customers praising the company for its prompt and fair claims processing. According to J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study, Auto-Owners ranked highest in overall customer satisfaction among auto insurers in the Midwest region. The company also received an A+ rating from the Better Business Bureau.
Progressive also has a strong reputation for customer service, with many customers praising the company’s online tools and mobile app for making it easy to manage policies and file claims. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Progressive ranked second in overall customer satisfaction among national auto insurers. The company also received an A+ rating from the Better Business Bureau.
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Frequently Asked Questions
How do I file a claim with Auto-Owners or Progressive?
You can file a claim with Auto-Owners or Progressive by phone, online, or through their mobile app. Both companies offer 24/7 claims reporting.
What types of discounts are available through Auto-Owners and Progressive?
Auto-Owners offers discounts for bundling policies, safe driving, good grades, anti-theft devices, and paying in full. Progressive offers discounts for bundling policies, insuring multiple cars, safe driving, good grades, and participating in its usage-based insurance program, Snapshot.
How do I qualify for a safe driver discount?
The qualifications for a safe driver discount vary by insurance company, but typically require a clean driving record with no accidents or traffic violations within a certain time period.
Can I purchase Auto-Owners or Progressive car insurance online?
Yes, both Auto-Owners and Progressive allow you to purchase car insurance online through their website or mobile app. You can also purchase coverage through an independent insurance agent.
How do Auto-Owners and Progressive compare in terms of customer satisfaction?
Auto-Owners and Progressive both have strong reputations for customer service and claims handling. According to J.D. Power’s 2021 U.S. Auto Insurance Study and U.S. Auto Claims Satisfaction Study, both companies rank highly in overall customer satisfaction.
Does Auto-Owners or Progressive offer roadside assistance?
Yes, both companies offer roadside assistance as an optional coverage.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.