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

Quick Facts

• Based on national averages for auto insurance, Progressive offers significantly less expensive rates than Mendakota
• Mendakota has more affordable premiums for policyholders who live in the suburbs
• Progressive tends to be a much cheaper option for drivers with a DUI charge on their record

Mendakota 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 huge discounts, but exactly how much money can you save by switching?

You might be considering Mendakota or Progressive, but which company has less expensive prices for car insurance?

Looking at nationwide averages, Mendakota is quite a bit more expensive than Progressive, with premiums averaging $244 per month compared to just $180 with Progressive.

That being said, that doesn't mean Progressive will necessarily be more affordable than Mendakota for every driver. After all, auto insurance companies 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 rates will differ quite a bit from person to person.

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

Mendakota or Progressive: Average Car Insurance Rates by State

Mendakota and Progressive only compete against each other in Nevada, where Progressive offers the cheaper average premiums. For Nevada residents, Progressive offers insurance for $178 per month on average. Mendakota's average rates come out to be over 30% more expensive, at $244 a month.

That being said, there are plenty of other factors that go into your car insurance cost than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Progressive save $1 a month compared to those who use Mendakota.

Even so, both carriers will reduce prices by the time drivers turn 25. Progressive offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Mendakota's average rates drop more than 45% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you'll ever find.

When looking at Mendakota and Progressive specifically, which carrier is best for retired drivers? Progressive gets the edge, with rates for drivers 65 and older nearly 30% cheaper than the national average for Mendakota.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable insurance premiums than single drivers. That's typically because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Progressive is the clear winner for single policyholders, with rates about $50 per month less expensive than Mendakota, on average. The advantage for married couples with Progressive is also obvious, where drivers save almost 40% a month.

Mendakota vs. Progressive: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they run a larger risk of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

Men normally pay nearly $20 per month more than women with Mendakota, and around $5 with Progressive.

When it comes to the cheapest premiums for each gender, Progressive comes out on top for both men and women. On average, male drivers save about $70 a month and women save about $57 with Progressive compared to the average Mendakota policyholder.

Mendakota 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 terms and limits that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Progressive usually offers significantly cheaper prices of $111 compared to Mendakota's $172. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies around $65 per month less expensive than Mendakota, on average.

Is Mendakota 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 carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Mendakota policyholders can expect their prices to go up an average of $19 a month if they get a ticket, while Progressive generally raises premiums about $31 per month, on average.

That being said, Progressive has cheaper rates for drivers in both categories, offering prices that are 33% and 25% more affordable, respectively, compared to Mendakota Insurance Company.

Which Company is Best for Drivers After an Accident?

Mendakota drivers who get in a collision can expect to see their premiums climb by just under 20%, while those who have insurance through Progressive will see around a 30% increase.

Overall, the cheaper prices come from Progressive, with monthly rates averaging $214 compared to Mendakota Insurance Company's $273.

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 auto insurance bill -- typically a lot more than an accident or speeding ticket. Progressive drivers usually see a 16% climb in their insurance premiums after a DUI charge, while Mendakota will normally increase prices by about 8%.

How does Credit Score Impact Mendakota and Progressive Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance rates. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect lots of policyholders out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable premiums.

Looking at Mendakota and Progressive specifically, which one has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Mendakota 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 pretty big impact on your monthly rates? That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Mendakota or Progressive report increasing premiums for drivers with higher annual mileage figures. Even so, Progressive comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average prices of $180 a month for both.

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a big impact as well. Usually, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

Looking at these companies side-by-side, Mendakota typically comes out as the less expensive option for drivers in rural and suburban areas, while Progressive wins in urban areas.

In urban areas, Progressive's average premiums are around $211 less than Mendakota Insurance Company. Drivers in suburban ZIP codes pay about $3 less with Mendakota compared to Progressive. If you live in a rural area, you can expect to save around $16 with Mendakota compared to Progressive.

Mendakota vs. Progressive Discounts

Regardless of why you might be in the market for a new car 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 hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Mendakota and Progressive so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

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

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and passive restraint discounts. Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Mendakota does not.

Mendakota's discounts come through just a few categories, including Defensive Driver, Homeowner, Multi-Car, and more.

Final Thoughts: Is Mendakota or Progressive Best for You?

So, you've seen how different factors can affect your insurance prices. We've shown you all the discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right carrier for you and your specific needs?

Progressive might be best for you if....

• You have a DUI charge on your record.
• You care about discounts (Progressive offers the most).
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Mendakota might be best for you if...

• Your home is located in the suburbs.
• Your neighborhood is in a rural area.

We hope this guide has ben a valuable resource as you compare Mendakota and Progressive. We also hope we've given you the information you need to make the best decision about 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 several carriers, not just Mendakota 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.

Mendakota vs. Progressive FAQs

Is Mendakota or Progressive cheaper?

Looking just at the national average premiums, Progressive is the cheaper of the two carriers, offering average rates of $180 per month compared to $244 for Mendakota. Even so, Progressive won't necessarily be the cheapest company for each driver, since there are several different variables that are considered when it comes to your car insurance payment.

Who is better, Mendakota or Progressive?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for every driver -- it all comes down to what your unique insurance profile looks like. For example, Progressive offers less expensive rates for policyholders with an at-fault accident on their record, while Mendakota is more affordable for drivers who have less-than-stellar credit scores.

Why do Mendakota and Progressive offer me different rates?

Auto insurance companies take a look at several different factors when calculating the prices they charge drivers. Variables like where your home is, where you live, gender, age, and sometimes even things like your credit score can all come into play. Both Mendakota and Progressive use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Mendakota 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 a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Mendakota 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.