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

Quick Facts

• Based on national averages for auto insurance, Progressive offers significantly cheaper rates than Nevada General
• Progressive offers less expensive average premiums for policyholders who are looking to purchase insurance with a spouse
• Progressive offers more affordable prices for policyholders who live in rural neighborhoods

Nevada General or Progressive: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Nevada General or Progressive as potential options, but between the two, which company has more affordable premiums for insurance?

Looking at nationwide averages, Progressive has average rates that are around 30% a month less expensive than those from Nevada General.

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

Wanting to know if Nevada General or Progressive is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Nevada General vs. Progressive: Average Car Insurance Rates by State

Nevada General and Progressive only compete against each other in Nevada, where Progressive offers the cheaper average rates. Progressive drivers tend to pay about $71 per month less on average compared to drivers who use Nevada General for their auto insurance.

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 auto insurance companies determine your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices 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 accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Progressive save almost 25% a month compared to those who use Nevada General.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Nevada General policyholders drop about $400 and Progressive's premiums lower around $300 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Nevada General and Progressive? Progressive gets the edge here, with average prices coming in at about $131 a month compared to Nevada General's $188.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married drivers. That's because policies for married policyholders generally cover more than one vehicle, which lots of companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Progressive premiums coming in at a quarter less than Nevada General's. The advantage for married couples with Progressive is also obvious, where drivers save around $60 per month.

Nevada General or Progressive: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to insurance men will normally end up paying a little more.

Women typically pay about $5 a month less than men with Nevada General, and around $5 with Progressive.

When it comes to the lowest rates for each gender, Progressive comes out on top for both men and women. On average, women save about $68 per month and men save about $68 with Progressive compared to the average Nevada General policyholder.

Nevada General 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.

Auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

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

Looking specifically at state minimum limits for liability insurance, Progressive has the significant edge, with average monthly premiums coming in at $111. If you want a full coverage policy with the same state minimum limits, Progressive again has the edge, with policies averaging around $250 a month to Nevada General's $348.

Is Nevada General 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.

At-fault accidents and speeding tickets will most likely raise your prices, but is Nevada General or Progressive more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Nevada General for their insurance can usually expect their monthly bill to go up about 10% after getting a speeding ticket. Progressive policyholders can expect a bit more drastic of an increase of around 17%.

However, Progressive has less expensive rates for drivers in both categories -- their rates are around 29% more affordable for drivers with clean records and 22% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Progressive climbing by about 30%. Nevada General has a less extreme increase, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, the less expensive rates come from Progressive, with average premiums coming in at $214 compared to Nevada General Insurance Company's $257.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Nevada General will climb your rates around 30% after a DUI, while Progressive's average prices rise by more than 15%.

How does Credit Score Impact Nevada General 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 (California, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few drivers.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the most affordable 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 Nevada General 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 large impact on your monthly car insurance cost? That's because the fewer miles you put on your vehicle each year, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Nevada General or Progressive report increasing prices for drivers with higher annual mileage figures. Still, Progressive comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $180 per month for both.

Nevada General or 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 auto insurance, but the type of area you live in can have a big impact as well. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of vehicles that are on the roads where they live.

Progressive tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Progressive's average prices are about $140 less than Nevada General Insurance Company. People who live in suburban areas pay around $12 less with Progressive compared to Nevada General. Those in rural areas can expect to save about $55 with Progressive compared to Nevada General.

Nevada General vs. Progressive Discounts

No matter 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 you can. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Nevada General and Progressive so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Progressive knocks Nevada General out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Nevada General.

There are a couple discounts both carriers offer, but Progressive also offers discounts for ABS, advance quote, advanced safety feature, and more.

On the other hand, Nevada General has a proprietary discount of their own -- a driver training discounts.

Final Thoughts: Is Nevada General or Progressive Best for You?

So, we've broken down the average premiums for many of the variables auto insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you, your vehicle, and your wallet?

Progressive might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.
• Your neighborhood is in a rural area.

Nevada General might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Nevada General and Progressive. We also hope we've given you the information you need to make the best decision about your car 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 Nevada General and Progressive. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Nevada General vs. Progressive FAQs

Is Nevada General or Progressive cheaper?

Progressive is the cheaper of the two carriers when looking at national average rates, with policies averaging $180 a month with Progressive and $249 for Nevada General. That being said, that doesn't mean Progressive will be the most affordable carrier for every policyholder, since there are a bunch of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Nevada General or Progressive?

Sadly, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Nevada General and Progressive offer me different rates?

Car insurance companies use a lot of different variables when calculating the prices they charge. Things such as where you live, where you park your car, gender, age, and sometimes even things like your credit score can all come into play. Both Nevada General and Progressive calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Nevada General 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 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 information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Nevada General 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.