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

Quick Facts

• Based on national averages for car insurance, Progressive offers slightly more affordable prices than Cumberland Mutual
• Cumberland Mutual has less expensive rates for residents of rural areas
• Progressive offers cheaper average premiums for policyholders who may not have much of a commute

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might be considering Cumberland Mutual or Progressive for your next policy, but which one will save you the most?

Looking at the national average rates for both companies, Progressive is about $13 per month less expensive than Cumberland Mutual.

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

Luckily, we've broken down average prices from both Cumberland Mutual and Progressive by a range of different rate factors, so read on to find out which company is the best for you.

Cumberland Mutual or Progressive: Average Car Insurance Rates by State

Cumberland Mutual and Progressive only compete against each other in two states, with Progressive offering cheaper premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual rates are over 20% less expensive than insurance prices at Progressive.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies calculate your rates. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. That's generally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of $1 less a month by choosing Cumberland Mutual over Progressive.

That being said, both carriers will lower prices by the time you turn 25. For example, average premiums for Cumberland Mutual policyholders drop more than 55% and Progressive's rates reduce nearly 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance prices you can find. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase premiums.

But who has the best prices for retired drivers between Cumberland Mutual and Progressive? Cumberland Mutual gets the slight edge, with premiums for drivers 65 and older almost 10% cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married couples. That's because policies for married drivers normally cover several cars, which many companies will offer you a discount for.

When it comes to relationship status, the two carriers are comparable for those who are single, with prices only differing around $7 per month, on average. But for married policyholders, the advantage is clear - Progressive has the edge when it comes to average premiums.

Cumberland Mutual vs. Progressive: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive rates.

Women generally pay nearly $10 a month less than men with Cumberland Mutual, and about $5 less with Progressive.

When it comes to the cheapest premiums for each gender, Progressive comes out as the most affordable option for both genders, with average prices 7% less for men and 5% cheaper for women.

Cumberland Mutual 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.

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

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

In this case, Cumberland Mutual offers the lowest average rates for state minimum limits for liability insurance, while Progressive has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $5 with Cumberland Mutual, while full coverage comes out to be around $30 more affordable with Progressive.

Is Cumberland Mutual or Progressive Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and collisions will most likely raise your premiums, but is Cumberland Mutual or Progressive less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Cumberland Mutual policyholders can expect their rates to go up an average of $18 per month if they get a ticket, while Progressive usually raises prices about $31 a month, on average.

However, Progressive is typically the more affordable option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 12% cheaper for drivers with clean records and 4% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with Progressive raising by $65. Cumberland Mutual has a less extreme increase, but you can still expect to pay just under $15 more than you were prior to your first collision.

Overall, Cumberland Mutual offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $183 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. On average, Cumberland Mutual will climb your premiums around 27% after a DUI, while Progressive's average rates climb by over 15%.

How does Credit Score Impact Cumberland Mutual and Progressive Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating premiums? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of policyholders.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

So, which carrier offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cumberland Mutual 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 substantial impact on how much car insurance carriers will charge for coverage? Usually, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

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 premiums for Cumberland Mutual, with policyholders who drive the least paying about $1 less each month compared to those who drive 12,000 miles yearly. Still, Progressive is the less expensive option for drivers in both categories.

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

Where you park your car can play a considerable role in how much you pay for car insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of vehicles that are on the roads in those areas.

Looking at these companies side-by-side, Cumberland Mutual boasts the cheapest average prices in rural and suburban areas, while Progressive wins in urban areas.

In urban areas, Progressive's average premiums are around $123 less than Cumberland Mutual. Drivers in suburban ZIP codes pay about $47 less with Cumberland Mutual compared to Progressive. If you live in a rural area, you can expect to save around $38 with Cumberland Mutual compared to Progressive.

Cumberland Mutual vs. Progressive Discounts

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

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Cumberland Mutual 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 blows Cumberland Mutual away when it comes to the sheer amount of discounts available, offering 34 different discounts to Cumberland Mutual's 15.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for being a good driver, and paid in full discounts. Progressive also offers advance quote discounts, advanced safety feature discounts, agency transfer discounts, and more that Cumberland Mutual does not.

On the flip side, Cumberland Mutual has a couple unique discounts of its own -- discounts for getting driver training, employee discounts, new business discounts, and more.

Final Thoughts: Is Cumberland Mutual or Progressive Best for You?

So, we've broken down the average rates for many of the factors car insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which carrier is the right carrier for you and your specific needs?

Progressive might be best for you if....

• You already have plans to move to another state -- undefined is only available in.
• You're looking for more protection with "full coverage" insurance.
• You have a short drive to work everyday.

Cumberland Mutual might be best for you if...

• You want to save money on your car insurance after a collision.
• You live in an suburban area.
• You are over 65 years old and want to save some money on your insurance.

We hope this guide has ben a valuable resource as you compare Cumberland Mutual and Progressive and that you can now make a more informed decision when it comes to your auto 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 Cumberland Mutual and Progressive. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Cumberland Mutual vs. Progressive FAQs

Is Cumberland Mutual or Progressive cheaper?

Looking just at the national average prices, Progressive is the cheaper of the two companies, offering average rates of $180 per month compared to $193 for Cumberland Mutual. Even so, Progressive won't necessarily be the most affordable company for every driver, 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, Cumberland Mutual or Progressive?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for each driver -- it all comes down to what your unique auto insurance profile looks like. For example, Cumberland Mutual offers more affordable rates for drivers with an at-fault accident on their record, while Progressive is cheaper for drivers who have less-than-stellar credit scores.

Why do Cumberland Mutual and Progressive offer me different rates?

Insurance carriers take a look at lots of different factors when determining the prices they charge policyholders. Things like where your home is, age, where you live, gender, and sometimes even things like your credit score can all be taken into consideration. Both Cumberland Mutual and Progressive calculate premiums differently, 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 companies.

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

The only way to find the auto insurance carrier 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 make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best company for you might not be Cumberland Mutual 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.