Use this calculator to get an estimated range for your Progressive car insurance premium based on key factors.
Clean (No recent violations/accidents)
Minor Violations (e.g., speeding ticket)
Major Violations (e.g., DUI, at-fault accident)
Multiple Violations/Accidents
Basic (Liability only)
Standard (Liability + Collision/Comprehensive)
Premium (Higher limits, full coverage, extras)
Excellent
Good
Average
Poor
Not Applicable/Unknown
Understanding Your Progressive Car Insurance Estimate
Car insurance premiums are complex, influenced by a multitude of factors unique to each driver, vehicle, and location. Progressive, like other major insurers, uses sophisticated algorithms to price policies. This calculator provides a simplified estimate based on several key inputs that commonly affect your rates. It's important to remember that this is an approximation, and your actual quote may vary significantly.
How the Estimate is Calculated
This calculator uses a base premium assumption and applies multiplier factors based on your inputs. While the exact formulas used by Progressive are proprietary, the principles are generally understood.
Estimated Premium = Base Premium * (Annual Mileage Factor) * (Vehicle Value Factor) * (Driving Record Factor) * (Coverage Level Factor) * (Credit Score Factor) * (Deductible Factor)
Base Premium: This is a hypothetical starting point. Actual base premiums vary widely by ZIP code, state regulations, and the insurer's internal risk assessment. We've used a conceptual base to illustrate the multipliers.
Annual Mileage: Driving more miles generally increases the risk of an accident. Higher annual mileage results in a higher premium multiplier.
Vehicle Value: The market value of your car impacts comprehensive and collision coverage costs. More valuable cars are more expensive to repair or replace, leading to higher premiums.
Driving Record: A history of violations or at-fault accidents significantly increases risk, leading to higher premiums. A clean record typically offers the best rates.
Coverage Level: Choosing more comprehensive coverage (higher liability limits, collision, comprehensive) will naturally increase your premium compared to basic liability-only policies.
Credit-Based Insurance Score: In many states, insurers use a credit-based score as an indicator of financial responsibility. A higher score can lead to lower premiums, while a lower score can increase them. This factor is not used in all states.
Deductible: A higher deductible (the amount you pay out-of-pocket before insurance covers a claim) typically leads to a lower premium, as you're taking on more of the initial risk yourself.
Key Factors Influencing Your Rate (Beyond this Calculator)
Progressive and other insurers consider many other factors not included in this simplified model:
Location: Your ZIP code plays a massive role due to local traffic density, accident rates, theft statistics, and weather patterns.
Age and Gender: Statistically, younger drivers and males tend to have higher premiums.
Marital Status: Married individuals often receive lower rates.
Vehicle Type: The make, model, year, safety features, and engine size of your car all influence rates. Sports cars and luxury vehicles typically cost more to insure.
Usage: Whether you use your car for commuting, business, or pleasure affects risk.
Discounts: Progressive offers numerous discounts, such as multi-policy, safe driver, multi-vehicle, good student, and for using their telematics app (Snapshot).
Insurance History: Gaps in insurance coverage can sometimes lead to higher rates.
Disclaimer
This calculator is for informational purposes only and does not constitute a binding insurance quote. It is designed to give you a general idea of how different factors might influence your Progressive car insurance premium. For an accurate quote, please visit the official Progressive website or contact a licensed insurance agent.
function calculateInsuranceEstimate() {
// Get input values
var annualMileage = parseFloat(document.getElementById("annualMileage").value);
var vehicleValue = parseFloat(document.getElementById("vehicleValue").value);
var drivingRecordMultiplier = parseFloat(document.getElementById("drivingRecord").value);
var coverageLevelMultiplier = parseFloat(document.getElementById("coverageLevel").value);
var creditScoreMultiplier = parseFloat(document.getElementById("creditScore").value);
var deductible = parseFloat(document.getElementById("deductible").value);
// — Input Validation —
var errors = [];
if (isNaN(annualMileage) || annualMileage < 0) errors.push("Annual Mileage must be a non-negative number.");
if (isNaN(vehicleValue) || vehicleValue < 0) errors.push("Vehicle Value must be a non-negative number.");
if (isNaN(deductible) || deductible 0) {
document.getElementById("result").innerHTML = errors.join("");
document.getElementById("result").style.backgroundColor = "#dc3545"; // Error red
document.getElementById("result").style.color = "white";
return;
}
// — Base Premium Assumption —
// This is a hypothetical base premium. Real premiums vary significantly.
// Let's assume a base premium for a standard driver with average inputs.
var basePremium = 1200;
// — Factor Adjustments (Simplified) —
// Mileage Factor: More miles = higher cost
var mileageFactor = 1.0;
if (annualMileage > 15000) mileageFactor = 1.2;
else if (annualMileage > 10000) mileageFactor = 1.1;
else if (annualMileage 40000) vehicleValueFactor = 1.3;
else if (vehicleValue > 25000) vehicleValueFactor = 1.15;
else if (vehicleValue = 1000) deductibleFactor = 0.85;
else if (deductible >= 750) deductibleFactor = 0.9;
else if (deductible < 500) deductibleFactor = 1.1;
else if (deductible < 250) deductibleFactor = 1.2;
// — Final Calculation —
var estimatedPremium = basePremium * mileageFactor * vehicleValueFactor * drivingRecordMultiplier * coverageLevelMultiplier * creditScoreMultiplier * deductibleFactor;
// Ensure a minimum premium and round to two decimal places
estimatedPremium = Math.max(estimatedPremium, 500); // Minimum hypothetical premium
estimatedPremium = Math.round(estimatedPremium * 100) / 100;
// Display the result
document.getElementById("result").innerHTML = "$" + estimatedPremium.toLocaleString() +
"(Estimated Annual Premium)";
document.getElementById("result").style.backgroundColor = "#28a745"; // Success Green
document.getElementById("result").style.color = "white";
}