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

Quick Facts

• Looking at the national averages for insurance, Emc offers significantly cheaper prices than Progressive
• Emc offers less expensive average premiums for drivers who have an at-fault accident on their record
• Progressive offers more discounts than EMC Insurance

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering pretty big discounts, but exactly how much money can you save by switching?

You might be considering Emc or Progressive, but between the two, which carrier has more affordable prices for car insurance?

As you can see, Progressive is quite a bit more expensive than Emc, with premiums averaging $180 per month compared to just $71 with Emc when looking at the national average rates for auto insurance.

But that doesn't mean Emc will necessarily be cheaper than Progressive for every driver. Insurance companies vary their rates depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and all sorts of other factors, so premiums could vary drastically from person to person.

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

Emc or Progressive: Average Car Insurance Rates by State

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

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 normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Emc for their car insurance pay more than $300 less than those who use Progressive.

That being said, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Emc policyholders drop over $60 and Progressive's rates lower about $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase rates.

So, which company offers the best premiums to retired drivers? Emc gets the edge here, with average prices coming in at around $48 monthly compared to Progressive's $131.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for those who are single than they are for married drivers. That's usually because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Emc is the clear winner for single drivers, with prices about $139 a month less expensive than Progressive, on average. For married policyholders, the advantage is clear again - Emc has the edge when it comes to average premiums.

Emc vs. Progressive: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get speeding tickets. That means when it comes to car insurance men will generally end up paying a little more.

Men normally pay nearly 10% more per month than women with Emc, while with Progressive, the difference is closer to 3% a month.

When it comes to the most affordable rates for each gender, Emc offers the lowest average prices for both men and women, with average premiums $108 less for men and $110 cheaper for women.

Emc 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 isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability insurance, Emc typically offers significantly more affordable rates of $24 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Emc again has the edge, with policies around $150 per month cheaper than Progressive, on average.

Is Emc or Progressive Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Emc policyholders can expect their rates to go up an average of $3 a month if they get a ticket, while Progressive generally raises prices about $31 per month, on average.

Even so, Emc is usually the more affordable option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $82 a month and drivers with a ticket can save about $110 per month with EMC Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Emc can expect to see around an $7 -- or about 9% -- increase in their insurance premiums. Drivers who use Progressive for their auto insurance will see a monthly bill around $65 (or 30%) more expensive after reporting a collision to their insurance carrier.

Overall, Emc offers the lowest prices for drivers with an at-fault collision on their records, with monthly premiums averaging $74 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 accident or speeding ticket when it comes to your auto insurance bill. Progressive drivers usually see a 16% climb in their car insurance rates after a DUI charge, while Emc will normally raise premiums by about 9%.

How does Credit Score Impact Emc and Progressive Rates?

Did you know that many auto insurance companies take into account your credit score when calculating prices? This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for lots of drivers.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best rates for policyholders 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 Emc or Progressive Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly car insurance payment. Typically, the more miles you put on your car 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 significant difference in monthly premiums for Emc, with policyholders who drive 6,000 miles annually paying around $15 less every month compared to those who drive 12,000 miles yearly. Still, Emc is the less expensive option for drivers in both categories.

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

Where your home is can play a sizable role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Emc boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both companies, but Emc comes out on top with average premiums about $68 per month. Emc also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a 64% and 60% a month respective difference when compared to Progressive drivers in similar areas.

Emc 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, and the best way to do that is by utilizing as many car insurance discounts as you can.

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

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

Progressive knocks Emc out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Emc's 34.

There are a couple discounts both carriers offer, but Progressive also offers advanced safety feature discounts, agency transfer discounts, continuous insurance discounts, and more that Emc does not.

On the flip side, Emc has a couple unique discounts of its own -- discounts for getting driver training, telematics discounts, and umbrella policy discounts.

Final Thoughts: Is Emc or Progressive Best for You?

You've seen the role certain variables have on your insurance and the different discounts companies offer. But, when it comes down to it, is Emc or Progressive the right company for you, your vehicle, and your wallet?

Emc might be best for you if....

• You have an at-fault collision on your record.
• You drive fewer than 12,000 miles each year.

Progressive might be best for you if...

• You're planning on moving to another state soon -- undefined is only available in.
• You care about discounts (Progressive offers the most).

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

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Emc and Progressive. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Emc vs. Progressive FAQs

Is Emc or Progressive cheaper?

Looking just at the national average prices, Emc is the less expensive of the two carriers, offering average rates of $71 per month compared to $180 for Progressive. However, Emc won't necessarily be the most affordable company for every driver, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Emc or Progressive?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Emc and Progressive offer me different rates?

Insurance companies take a look at many different variables when determining the rates they charge policyholders. Things like gender, age, where you live, your driving record, and sometimes even things like your credit score can all come into play. Both Emc and Progressive use different formulas, so each one will most likely offer different premiums. 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 Emc 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 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 car insurance carriers in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Emc 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.