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

Quick Facts

• Based on national averages for auto insurance, Buckeye offers significantly less expensive prices than Progressive
• Buckeye offers cheaper average premiums for couples purchasing insurance together
• Progressive has more affordable prices for drivers with a DUI charge on their record

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Buckeye or Progressive as potential options, but between the two, which one has cheaper rates for car insurance?

Looking at the national average rates for both companies, Progressive has average rates that are about 25% per month more expensive than those from Buckeye.

However, that doesn't mean Buckeye will necessarily be less expensive than Progressive for every single driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if Buckeye or Progressive is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Buckeye or Progressive: Average Car Insurance Rates by State

Buckeye and Progressive only compete against each other in two states, with Progressive offering more affordable rates to the average driver in all of them. Ohio has the most noticable difference, where Progressive premiums are less expensive than car insurance prices at Buckeye.

But there's more to calculating insurance rates than just the state you live in. 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 premiums of any other group of drivers out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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

But both companies will lower prices by the time drivers turn 25. Progressive offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Buckeye still has the most affordable premiums at $114 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest 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 car insurance.

So, which carrier offers the best premiums to retired drivers? Buckeye gets the edge here, with average prices coming in at around $105 per month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance rates than married drivers. That's because policies for married policyholders typically cover several cars, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Buckeye is the clear winner for those who are single, with premiums about $71 per month cheaper than Progressive, on average. The advantage for married couples with Buckeye is also obvious, where drivers save almost 15% a month.

Buckeye vs. Progressive: Average Rates by Gender

Women tend to pay less for insurance than men. This is because men are more likely to get into collisions and get speeding tickets, which raises the chances of an insurance claim.

On average, men see rates around $15 per month higher with Buckeye, and about $5 with Progressive.

When it comes to the lowest prices for each gender, Buckeye comes out as the cheapest option for both genders. On average, male drivers save about $43 a month and women save around $53 with Buckeye compared to the average Progressive policyholder.

Buckeye 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Buckeye usually offers significantly more affordable premiums of $73 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Buckeye again has the edge, with policies about $60 per month less expensive than Progressive, on average.

Is Buckeye 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 accidents on your record, but which of these two companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Buckeye policyholders can expect their premiums to go up an average of $6 a month if they get a ticket, while Progressive typically raises rates around $31 per month, on average.

That being said, Buckeye has cheaper prices for drivers in both categories. Drivers with a clean record can save about $68 a month and drivers with a speeding ticket can save around $93 per month with Buckeye Insurance Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Buckeye can expect to see about an $17 -- or around 17% -- increase in their auto insurance rates. Drivers who use Progressive for their insurance will see a monthly bill about $65 (or 30%) more expensive after reporting a collision to their auto insurance company.

Overall, the more affordable premiums come from Buckeye, with monthly rates averaging $98 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 car insurance bill -- normally a lot more than an accident or ticket. On average, Buckeye will climb your prices around 69% after a DUI, while Progressive's average premiums climb by over 15%.

How does Credit Score Impact Buckeye and Progressive Rates?

Did you know that many insurance carriers take your credit score into account when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for several drivers.

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking at Buckeye and Progressive specifically, which company has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a big impact on your monthly auto insurance cost? That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Buckeye or Progressive report increasing prices for drivers with higher annual mileage figures. That being said, Buckeye comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average rates of $132 a month for both.

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

Where you call home can have a pretty big impact on your monthly car insurance bill. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Buckeye tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Buckeye offers premiums about $131 a month compared to Progressive's $207. People who live in suburban ZIP codes can expect to pay around $159 per month for Buckeye and $179 for Progressive. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly prices coming in at $107 and $154 for Buckeye and Progressive respectively.

Buckeye vs. Progressive Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

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 can take advantage of.

In the section below, we've compared all of the different discounts offered by Buckeye and Progressive so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Buckeye out of the park when it comes to the sheer number of discounts available, offering 27 more discounts than Buckeye.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts. Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Buckeye does not.

Buckeye's discounts come through just a few categories, including Anti-Theft, Defensive Driver, Distant Student, and more.

Final Thoughts: Is Buckeye or Progressive Best for You?

So, we've broken down the average premiums for many of the variables car insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which carrier is the best carrier for you, your vehicle, and your wallet?

Buckeye might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• Your credit score is high.
• You are over 65 years old and want to save some money on your auto insurance.

Progressive might be best for you if...

• You are considering moving to another state -- undefined only offers policies in.
• You have a DUI charge on your record.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Buckeye and Progressive. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

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

Buckeye vs. Progressive FAQs

Is Buckeye or Progressive cheaper?

Looking just at the national average prices, Buckeye is the cheaper of the two carriers, offering average rates of $132 a month compared to $180 for Progressive. But Buckeye won't necessarily be the cheapest company for each policyholder, since there are many different factors that are considered when it comes to your insurance payment.

Who is better, Buckeye or Progressive?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for every driver -- it all depends on what your unique car insurance profile looks like. For example, Progressive offers more affordable rates for drivers with a recent DUI, while Buckeye is cheaper for drivers with excellent credit.

Why do Buckeye and Progressive offer me different rates?

Auto insurance companies take a look at lots of different variables when determining the premiums they charge drivers. Things such as where you live, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Buckeye and Progressive calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Buckeye 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 do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Buckeye 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.