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

Wondering if Cig or Progressive is the best car insurance carrier for you, your vehicle, and your wallet? We've broken down all the prices and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Cig offers significantly less expensive premiums than Progressive
  • Cig offers more affordable rates for policyholders who live in rural neighborhoods
  • Progressive may help you save more money -- they offer more discounts than CIG Insurance


Cig or Progressive: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Cig or Progressive as your top options, but which carrier will save you the most?

Cig Progressive
$119$180

Looking at the national average rates for both carriers, Cig has average rates that are around 35% a month more affordable than those from Progressive.

However, that doesn't necessarily mean Cig will be the cheaper option for every driver. Car insurance companies vary their premiums depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and tons of other factors, so prices will change quite a bit from person to person.

Luckily, we've broken down average rates from both Cig and Progressive by multiple different rate factors, so read on to find out which company is the best for you.

Cig vs. Progressive: Average Car Insurance Rates by State

State Cig Progressive
OH$127$120
OR$112$225
WA$107$138

Cig and Progressive only compete against each other in three states, with Progressive offering more affordable prices to the average driver in all of them. Oregon has the most noticable difference, where Cig rates are $113 less expensive than insurance premiums at Progressive.

That being said, there's a lot more that goes into your auto insurance cost than just where you call home. Continue reading to learn more about how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

Cig Progressive
18-year-old drivers$240$451
25-year-old drivers$119$142

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers out there on the road. That's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Cig save over 45% per month compared to those who use Progressive.

But both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Cig policyholders decrease about $100 and Progressive's premiums drop more than $300 over that time.

Which is the Best Company for Retired Drivers?

Cig Progressive
65+-year-old drivers$86$131

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you can find.

But who has the best rates for retired drivers between Cig and Progressive? Cig gets the edge, with premiums for drivers 65 and older $45 cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

Cig Progressive
Single$139$221
Married$92$126

Did you know that insurance rates are typically less expensive for married drivers than they are for single policyholders? That's generally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Cig premiums coming in at a third less than Progressive's. The advantage for married couples with Cig is also obvious, where drivers save over 25% a month.

Cig or Progressive: Average Rates by Gender

Cig Progressive
Male$121$183
Female$117$178

You may not know, but men usually pay more for car insurance than women do. This is because men are statistically more likely than women to get tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

On average, women see prices around $4 per month cheaper with Cig, and about $5 less with Progressive.

When it comes to the most affordable premiums for each gender, Cig comes out on top for both men and women. On average, male drivers save about $62 a month and women save around $61 with Cig compared to the average Progressive policyholder.


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Cig vs. Progressive: Compare State Minimum vs. Full Coverage Rates

Cig Progressive
State Minimum*$71$111
Full Coverage**$166$250

*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. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability limits, Cig has the significant edge, with average monthly prices coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging about $166 per month to Progressive's $250.

Is Cig or Progressive Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two carriers offers the lowest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig Progressive
Clean Record$88$149
1 Speeding Ticket$112$180

Policyholders who use Cig for their insurance can typically expect their monthly bill to go up around 21% after getting a speeding ticket. Progressive policyholders can expect a less drastic increase of about 17%.

Even so, Cig has more affordable premiums for drivers in both categories, offering rates that are $61 and $68 cheaper, respectively, compared to Progressive.

Which Company is Best for Drivers After an Accident?

Cig Progressive
Clean Record$88$149
1 At-Fault Accident$118$214

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Progressive increasing by around 30%. Cig has a less extreme climb, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, the less expensive prices come from Cig, with average premiums coming in at $118 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

Cig Progressive
Clean Record$88$149
1 DUI$157$177

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. Cig drivers usually see a 44% raise in their insurance prices after a DUI charge, while Progressive will normally climb rates by about 16%.


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How does Credit Score Impact Cig and Progressive Rates?

Did you know many car insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it will come into play for several drivers.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Cig and Progressive specifically, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Cig Progressive
Excellent Credit Score$78$136
Good Credit Score$94$157

Which Company is Best for Drivers with Bad Credit?

Cig Progressive
Fair Credit Score$118$181
Poor Credit Score$172$247

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

Cig Progressive
6,000 Annual Miles$113$180
12,000 Annual Miles$125$180

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance bill. Usually, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Progressive charges. However, there's a small difference in monthly prices for Cig, with policyholders who drive the least paying around $12 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Cig is the less expensive carrier.

Cig or Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a substantial impact on your monthly car insurance payment. 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.

Cig Progressive
Urban Areas$128$207
Suburban Areas$123$179
Rural Areas$106$154

Cig boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, CIG Insurance's average premiums are about 38% less than Progressive. People who live in suburban areas pay around 31% less with Cig compared to Progressive. Those in rural areas can expect to save about 31% with Cig compared to Progressive.

Cig vs. Progressive Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Cig and Progressive offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Cig Progressive
ABS Discount
Advance Quote Discount
Advanced Safety Feature Discount 
Agency Transfer Discount 
Anti-Theft Discount
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
DRL Discount 
E-Signature Discount 
Education Discount 
EFT Discount 
Employee Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount
Homeowner Discount

Progressive blows Cig away when it comes to the sheer amount of discounts available, offering 34 different discounts to Cig's 25.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, distant student discounts, and group discounts. Progressive also offers discounts for advanced safety feature, agency transfer, continuous insurance, and more.

On the other hand, Cig has a few proprietary discounts of their own for things like company car discounts, employee discounts, good payer discounts, and more.


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Final Thoughts: Is Cig or Progressive Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best fit for you?

Cig might be best for you if....

  • You have an at-fault accident on your record.
  • You live in an urban area.
  • You've started working from home and don't have much of a commute.


Progressive might be best for you if...

  • You are considering moving to another state -- undefined only offers policies to residents.
  • You're looking for discounts -- Progressive has the most.

Hopefully, this guide helps you get a better idea of the difference between Cig and Progressive and that it aids in making a more informed decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from multiple companies, not just Cig and Progressive. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.


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Cig vs. Progressive FAQs

Is Cig or Progressive cheaper?

Cig is the cheaper of the two companies when looking at national average prices, with policies averaging $119 a month with Cig and $180 for Progressive. However, that doesn't mean Cig will be the lowest carrier for each policyholder, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cig or Progressive?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Cig and Progressive offer me different rates?

Auto insurance carriers use quite a few different factors when calculating the rates they charge. Things such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Cig and Progressive use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers 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 area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't Cig or Progressive at all, but another you hadn't even thought of!


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.

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