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

Quick Facts

• Based on national averages for auto insurance, Progressive offers slightly cheaper rates than Alfa Alliance
• Alfa Alliance tends to be a much more affordable option for people who are single and purchasing insurance by yourself
• Progressive offers more affordable prices for residents of suburban areas

Alfa Alliance vs. Progressive: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Alfa Alliance or Progressive as potential options, but between the two, which carrier has cheaper premiums for car insurance?

As you can see, Progressive is about $14 per month more affordable than Alfa Alliance when looking at the national average rates for auto insurance.

However, Progressive may not be the cheapest or best option for every driver out there. Insurance companies vary their rates depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and all sorts of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Alfa Alliance or Progressive is really the best for you, keep reading to see average rates for each carrier broken down by many different rate factors.

Alfa Alliance or Progressive: Average Car Insurance Rates by State

Alfa Alliance and Progressive only compete against each other in Virginia, where Progressive offers the cheaper average prices. For Virginia residents, Progressive offers car insurance for $139 monthly on average. Alfa Alliance's average premiums come out to be over 30% more expensive, at $194 per month.

There are plenty of other factors that go into your insurance cost than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Alfa Alliance save nearly $200 a month compared to those who use Progressive.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Alfa Alliance policyholders reduce almost $40 and Progressive's premiums decrease more than $300 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Progressive gets the edge here, with average prices coming in at around $131 a month compared to Alfa Alliance's $155.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance rates than married drivers. This usually boils down to married couples having multiple cars on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single policyholders, with prices only differing about $12 per month, on average. But for married policyholders, the advantage is clear - Progressive offers the most affordable average premiums.

Alfa Alliance vs. Progressive: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into accidents, which means they'll normally end up paying more for car insurance than women.

On average, men see rates around 1% a month higher with Alfa Alliance, while with Progressive, the difference is closer to 3% per month.

When it comes to the cheapest prices for each gender, Progressive comes out on top for both men and women. On average, male drivers save about $12 a month and women save about $16 with Progressive compared to the average Alfa Alliance policyholder.

Alfa Alliance or Progressive: 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.

For most people, auto insurance can be pretty complicated. There are multiple different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

In this case, Alfa Alliance offers the lowest average premiums for state minimum liability limits, while Progressive has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Alfa Alliance Insurance, while full coverage comes out to be around $35 less expensive with Progressive.

Is Alfa Alliance or Progressive Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their rates to go up an average of $23 per month if they get a ticket, while Progressive usually raises premiums about $31 a month, on average.

Even so, Alfa Alliance tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $42 per month and drivers with a ticket can save about $50 a month with Alfa Alliance Insurance.

Which Company is Best for Drivers After an Accident?

Alfa Alliance policyholders who get in an accident can expect to see their rates increase by $55, while those who have insurance through Progressive will see around a $65 increase.

Overall, the more affordable premiums come from Alfa Alliance, with monthly prices averaging $162 compared to Progressive's $214.

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 -- typically a lot more than a collision or speeding ticket. Alfa Alliance drivers usually see a 72% increase in their insurance premiums after a DUI charge, while Progressive will usually climb rates by about 16%.

How does Credit Score Impact Alfa Alliance and Progressive Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance prices. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of drivers out there.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly insurance bill. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Alfa Alliance or Progressive report increasing rates for drivers with higher annual mileage figures. That being said, Progressive comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $180 per month for both.

Alfa Alliance vs. Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a large impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

When comparing these two carriers side-by-side, Alfa Alliance typically comes out as the cheaper option for drivers in rural and urban areas, while Progressive wins in suburban areas.

If you live in a rural area, you can expect to pay around $149 per month with Alfa Alliance and $154 with Progressive. Drivers in suburban ZIP codes pay a monthly rate of about $179 with Progressive compared to $234 with Alfa Alliance. For drivers in urban ZIP codes, Alfa Alliance's average premiums are around $200 a month compared to Progressive's $207.

Alfa Alliance vs. Progressive Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Alfa Alliance and Progressive offer their customers so that you can find the one that has the most discounts and, therefore, the biggest savings.

Progressive knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 24 more discounts than Alfa Alliance.

There are a couple discounts both companies offer, but Progressive also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- discounts for getting driver training and intra-agency transfer discounts.

Final Thoughts: Is Alfa Alliance or Progressive Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right company for you, your vehicle, and your wallet?

Alfa Alliance might be best for you if....

• You value the experience that comes with a large national insurance carrier.
• You're looking for more protection with "full coverage" auto insurance.
• You drive fewer than 12,000 miles each year.

Progressive might be best for you if...

• You have received a ticket within the last few years.
• You want basic car insurance coverage at the state minimum limits.
• Your neighborhood is in a city.

We hope this guide helps you get a better idea of the difference between Alfa Alliance and Progressive and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Alfa Alliance and Progressive. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Alfa Alliance vs. Progressive FAQs

Is Alfa Alliance or Progressive cheaper?

Looking just at the national average prices, Progressive is the less expensive of the two carriers, offering average rates of $180 per month compared to $194 for Alfa Alliance. But Progressive won't necessarily be the lowest company for everyone, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Progressive?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for every driver -- it all comes down to what your unique auto insurance profile looks like. For example, Progressive offers more affordable premiums for drivers with a recent DUI, while Alfa Alliance is cheaper for drivers with excellent credit.

Why do Alfa Alliance and Progressive offer me different rates?

Insurance companies take a look at many different factors when calculating the rates they charge policyholders. Variables like where you live, gender, age, where you park your car, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Progressive calculate premiums using different factors, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Alfa Alliance or Progressive at all!

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.