The short version
Its online tools make it easy to see how coverage choices change the price. On our auto insurance comparison, it's labeled Best for comparing prices.
Key facts
| Buy through | Online, app, independent agents |
|---|
| Usage-based program | Snapshot |
|---|
| Bundling | Home, renters, boat, RV |
|---|
What stands out
- Name Your Price tool shows coverage options for a budget
- Snapshot usage-based program
- Sold online and through independent agents
Pros and cons
Pros
- Budget-based quoting tools
- Covers many vehicle types
Cons
- Snapshot can raise rates for riskier driving in some states
How Progressive compares
Side-by-side comparison
| SF State Farm | G GEICO | P Progressive |
|---|
| Buy through | Local agents, online, app | Online, app, phone | Online, app, independent agents |
| Usage-based program | Drive Safe & Save | DriveEasy | Snapshot |
| Bundling | Home, renters, life | Home, renters, umbrella | Home, renters, boat, RV |
| Visit site | Visit site | Visit site |
Head-to-head comparisons
Alternatives to consider
What to check before you sign up
Whichever auto insurance provider you choose, compare these points:
- Liability limits. Shown as three numbers, such as 100/300/100: per-person injury, per-accident injury and property damage, in thousands.
- Your share of a claim. A higher collision or comprehensive deductible lowers the premium, but you pay more out of pocket after a claim.
- Bundles and driver discounts. Multi-policy, safe-driver, good-student and telematics discounts can change the ranking a lot.
- Claims experience. Price matters, but so does how a carrier handles claims. Check complaint data from your state insurance department.
