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

Quick Facts

• In general, Progressive offers significantly less expensive rates than Le Mars
• Le Mars has more affordable premiums for policyholders whose driving record contains an at-fault collision
• Progressive tends to be a much cheaper option for drivers who have below-average credit

Le Mars 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 might have narrowed your search down to Le Mars or Progressive for your next policy, but which carrier will save you the most?

As you can see, Le Mars has average rates that are around 23% a month more expensive than those from Progressive when looking at the national average rates for car insurance.

Even so, that doesn't mean Progressive will necessarily be more affordable than Le Mars for each driver. Insurance carriers use a variety of complex algorithms to determine rates, so depending on how good your credit score is or where you live (among an array of other factors), you could see wildly different premiums from the ones above.

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

Le Mars vs. Progressive: Average Car Insurance Rates by State

Le Mars and Progressive only compete against each other in Iowa, where Progressive offers the cheaper average rates. Progressive drivers tend to pay about $137 per month less on average compared to drivers who use Le Mars for their auto insurance.

That being said, there are plenty of other factors that go into your insurance bill than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto 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 Le Mars for their auto insurance pay almost 6% less than those who use Progressive.

That being said, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Le Mars policyholders drop about $200 and Progressive's premiums lower over $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest car insurance rates you can find. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise premiums.

When looking at Le Mars and Progressive specifically, which carrier is best for retired drivers? Progressive gets the edge, with prices for drivers 65 and older $65 less expensive than the national average for Le Mars.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more affordable for married drivers than they are for single policyholders. This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few auto insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with Progressive prices coming in at around 15% less than Le Mars's. For married couples, the advantage is clear again - Progressive has the edge when it comes to average premiums.

Le Mars or Progressive: Average Rates by Gender

Men usually pay more for car insurance than women. That's because men are more likely to get into collisions and get speeding tickets, which raises the chances of filing a claim with insurance.

With Le Mars, men typically pay about $30 a month more than women, but with Progressive, the difference is closer to $5 per month.

When it comes to the cheapest rates for each gender, Progressive comes out on top for both men and women, with average prices $66 less for men and $42 cheaper for women.

Le Mars vs. 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.

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

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

When it comes to state minimum liability insurance, Le Mars has the edge, while Progressive offers the most affordable average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $35 with Le Mars Insurance Company, while full coverage comes out to be around $150 cheaper with Progressive.

Is Le Mars or Progressive Better for Drivers with Spotty Records?

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

It's no secret secret that speeding tickets and accidents lead to higher prices, but which company -- Le Mars or Progressive -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Le Mars for their insurance can normally expect their monthly bill to go up about 23% after getting a speeding ticket. Progressive policyholders can expect a less drastic increase of around 17%.

However, Le Mars is usually the less expensive option for drivers both with clean records and with a ticket. With Le Mars Insurance Company, drivers with a clean record can save about $11 a month and drivers with a speeding ticket can save around $0 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Progressive raising by about 30%. Le Mars has a less extreme increase, but you can still expect to pay more than 25% more than you were prior to your first collision.

At the end of the day, drivers who use Le Mars end up with the cheaper prices after an accident, with average rates coming in at $186 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 ticket when it comes to your auto insurance bill. For example, Le Mars increases average prices by nearly $300 a month -- that's nearly a 70% increase.

How does Credit Score Impact Le Mars and Progressive Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly insurance premiums. This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it might come into play for lots of policyholders.

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

So, which carrier offers the best rates 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 Le Mars 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 considerable impact on how much auto insurance carriers will charge for coverage? Generally, those who drive less will end up with more affordable prices 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 pretty significant difference in monthly rates for Le Mars, with drivers who put 6,000 miles on their vehicle each year paying around $30 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Progressive is the cheaper company.

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

Where you call home can play a big role in how much you pay for car insurance. Typically, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

Le Mars vs. Progressive Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you qualify 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 Le Mars and Progressive offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

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

Both companies offer many of the same discounts -- like advance quote discounts, discounts for being a good driver, discounts for being a good student, and multi-policy discounts -- but Progressive also offers discounts for advanced safety feature, agency transfer, continuous insurance, and more.

On the other hand, Le Mars has a few proprietary discounts of their own for things like driver training discounts, family discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Le Mars or Progressive Best for You?

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Le Mars or Progressive the best carrier for you and your specific driver profile?

Progressive might be best for you if....

• You are considering moving to another state -- undefined is only available in.
• You care about discounts (Progressive offers the most).
• You have a short commute.

Le Mars might be best for you if...

• You have received a ticket within the last few years.
• You're looking for the best premiums on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Le Mars and Progressive. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

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

Le Mars vs. Progressive FAQs

Is Le Mars or Progressive cheaper?

Progressive is the less expensive of the two companies when looking at national average prices, with policies averaging $180 per month with Progressive and $234 for Le Mars. But that doesn't mean Progressive will be the most affordable carrier for everyone, since there are a range of different factors that come into play when it comes to your insurance payment.

Who is better, Le Mars or Progressive?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Progressive is more affordable for drivers who have less-than-stellar credit scores, while Le Mars offers less expensive rates for drivers with an at-fault collision on their record.

Why do Le Mars and Progressive offer me different rates?

Car insurance carriers use many different variables when determining the premiums they charge. Things such as your driving record, age, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Le Mars and Progressive calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code 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 rate. And maybe you'll find that the best carrier for you isn't Le Mars 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.