Estimate your potential auto insurance costs with Progressive based on key factors.
Excellent (No accidents/tickets in 5 years)
Good (1 minor incident in 5 years)
Average (2 minor incidents or 1 major in 5 years)
Poor (Multiple incidents/tickets)
Basic (State minimums)
Standard (Recommended balanced coverage)
Premium (Comprehensive protection)
Excellent (750+)
Good (680-749)
Fair (620-679)
Poor (Below 620)
Estimated Annual Premium
$0.00
Understanding Your Auto Insurance Premium
Calculating your exact auto insurance premium requires a detailed quote from Progressive, as they consider hundreds of factors. However, this calculator provides a simplified estimate based on some of the most significant variables. Understanding these factors can help you anticipate costs and explore ways to potentially lower your premium.
Key Factors Influencing Your Premium:
Vehicle Value: The more valuable your car, the higher the potential payout for theft or damage, leading to potentially higher comprehensive and collision coverage costs.
Annual Mileage: Drivers who spend more time on the road generally face a higher risk of accidents. Higher annual mileage typically results in a higher premium.
Driving Record: This is one of the most critical factors. Accidents, traffic violations, and DUIs significantly increase your risk profile in the eyes of insurers, leading to substantially higher premiums. A clean record is rewarded with lower rates.
Coverage Level: The type and amount of coverage you choose directly impact your premium. Basic coverage meets state requirements but offers minimal protection. Standard and Premium levels provide more robust protection for yourself, your vehicle, and others, but at a higher cost.
Credit Score: In many states, insurers use credit-based insurance scores as an indicator of risk. Individuals with higher credit scores are statistically less likely to file claims, often resulting in lower premiums. (Note: Some states prohibit the use of credit scores for this purpose).
Demographics: Age, gender, marital status, and location can also play a role, though regulations vary by state.
Discounts: Progressive, like other insurers, offers numerous discounts for things like safe driving, multi-policy bundles (e.g., auto and home), good student status, and specific safety features on your vehicle.
How This Calculator Works (Simplified Model)
This calculator uses a baseline premium and applies multipliers based on the inputs you provide.
A base premium is established.
Vehicle Value: Higher values increase the premium.
Annual Mileage: Higher mileage increases the premium.
Driving Record: Poor records significantly increase the premium.
Coverage Level: Premium coverage increases the cost the most.
Credit Score: Better scores may slightly reduce the baseline, while poorer scores increase it.
It's important to remember that this is a general estimation. For an accurate, personalized quote, it is essential to visit the official Progressive website or contact a representative. They will consider all applicable discounts and specific regional rating factors.
function calculateInsuranceCost() {
var vehicleValue = parseFloat(document.getElementById("vehicleValue").value);
var annualMileage = parseFloat(document.getElementById("annualMileage").value);
var drivingRecord = document.getElementById("drivingRecord").value;
var coverageLevel = document.getElementById("coverageLevel").value;
var creditScore = document.getElementById("creditScore").value;
var basePremium = 1200; // A hypothetical average annual premium
// — Input Validation —
if (isNaN(vehicleValue) || vehicleValue <= 0) {
alert("Please enter a valid estimated vehicle value.");
return;
}
if (isNaN(annualMileage) || annualMileage 15000) {
mileageMultiplier = 1.3;
} else if (annualMileage > 10000) {
mileageMultiplier = 1.15;
} else if (annualMileage < 7000) {
mileageMultiplier = 0.9;
}
var drivingRecordMultiplier = 1.0;
if (drivingRecord === "excellent") {
drivingRecordMultiplier = 0.9;
} else if (drivingRecord === "good") {
drivingRecordMultiplier = 1.1;
} else if (drivingRecord === "average") {
drivingRecordMultiplier = 1.4;
} else if (drivingRecord === "poor") {
drivingRecordMultiplier = 2.0;
}
var coverageMultiplier = 1.0;
if (coverageLevel === "basic") {
coverageMultiplier = 0.8;
} else if (coverageLevel === "standard") {
coverageMultiplier = 1.2;
} else if (coverageLevel === "premium") {
coverageMultiplier = 1.6;
}
var creditScoreMultiplier = 1.0;
if (creditScore === "excellent") {
creditScoreMultiplier = 0.95;
} else if (creditScore === "good") {
creditScoreMultiplier = 1.0;
} else if (creditScore === "fair") {
creditScoreMultiplier = 1.15;
} else if (creditScore === "poor") {
creditScoreMultiplier = 1.35;
}
// Factor in vehicle value (e.g., a percentage of value, capped)
var vehicleValueFactor = Math.min(vehicleValue / 100000, 0.5); // Max 50% increase based on value, relative to base
// — Calculate Estimated Cost —
var estimatedCost = basePremium * mileageMultiplier * drivingRecordMultiplier * coverageMultiplier * creditScoreMultiplier;
estimatedCost += (basePremium * vehicleValueFactor); // Add cost related to vehicle value
// Ensure minimum cost and apply formatting
estimatedCost = Math.max(estimatedCost, 500); // Minimum annual premium of $500
var formattedCost = estimatedCost.toFixed(2);
document.getElementById("estimatedCost").textContent = "$" + formattedCost;
}