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

Quick Facts

• Looking at the national averages for insurance, Nodak offers significantly less expensive prices than Progressive
• Nodak has more affordable rates for policyholders who may not have much of a commute
• Progressive offers more discounts than Nodak Insurance Company

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

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

As you can see, Progressive is quite a bit more expensive than Nodak, with prices averaging $180 per month compared to just $111 with Nodak when looking at the national average rates for auto insurance.

But that doesn't mean Nodak will necessarily be cheaper than Progressive for every driver. After all, 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 premiums will change quite a bit from person to person.

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

Nodak or Progressive: Average Car Insurance Rates by State

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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 carriers calculate your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. It'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.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Nodak for their insurance pay nearly $250 less than those who use Progressive.

That being said, with both companies, you'll see your premiums decrease significantly by the time drivers turn 25. Progressive offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Nodak still has the lowest rates at $106 a month.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices out there.

So, which carrier offers the best premiums to retired drivers? Nodak gets the edge here, with average rates coming in at about $84 per month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married policyholders having several cars on their policy -- something many auto insurance carriers will reward with discounts.

When it comes to relationship status, Nodak is the clear winner for single policyholders, with prices around $98 a month more affordable than Progressive, on average. The advantage for married couples with Nodak is also obvious, where drivers save almost 25% per month.

Nodak vs. Progressive: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll typically end up paying more for insurance than women.

Men normally pay about $5 a month more than women with Nodak, and around $5 with Progressive.

When it comes to the cheapest rates for each gender, Nodak comes out on top for both men and women, with average prices $69 less for men and $69 cheaper for women.

Nodak 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.

It's no secret that car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Nodak generally offers significantly less expensive premiums of $36 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Nodak again has the edge, with policies about $65 per month cheaper than Progressive, on average.

Is Nodak or Progressive Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 collisions on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Nodak policyholders can expect their premiums to go up an average of $17 a month if they get a ticket, while Progressive typically raises rates around $31 per month, on average.

That being said, Nodak is usually the less expensive option for drivers both with clean records and with a speeding ticket, offering premiums that are $59 and $73 more affordable, respectively, compared to Progressive.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault accident with Progressive increasing by $65. Nodak has a less extreme increase, but you can still expect to pay over $15 more than you were prior to your first collision.

Overall, the cheaper rates come from Nodak, with monthly prices averaging $107 compared to Progressive's $214.

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 a collision. For example, Nodak increases average premiums by more than $50 a month -- that's over a 35% increase.

How does Credit Score Impact Nodak and Progressive Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Nodak and Progressive, which carrier has the lowest premiums 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 Nodak 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 auto insurance payment. Normally, the more miles you drive, the more you can expect to pay for coverage.

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 prices for Nodak, with policyholders who drive 6,000 miles annually paying about $7 less each month compared to those who drive 12,000 miles every year. Still, Nodak is the more affordable option for drivers in both categories.

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

Where you park your vehicle can have a considerable impact on your monthly car insurance cost. Typically, those who live in urban areas will pay more than drivers in rural areas because of the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Nodak usually comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $112 monthly with Nodak compared to Progressive's $154. Drivers in suburban ZIP codes pay a monthly price of about $111 with Nodak compared to $179 with Progressive. In urban areas, Nodak's average premiums are around $111 per month compared to Progressive's $207.

Nodak vs. Progressive Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many 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 can take advantage of.

In the section below, we've taken a look at all of the different discounts Nodak and Progressive offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive blows Nodak away when it comes to the sheer amount of discounts available, offering 34 different discounts to Nodak's nine.

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

On the flip side, Nodak has a couple unique discounts of its own -- discounts for getting driver training, low mileage discounts, and loyalty discounts.

Final Thoughts: Is Nodak or Progressive Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, which company is the right fit for you?

Nodak might be best for you if....

• You have received a ticket within the last few years.
• Your credit score is high.
• You are over 65 years old and want to save some money on your auto insurance.

Progressive might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Nodak and Progressive and that it aids in making a more informed decision about your 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 multiple carriers, not just Nodak and Progressive. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Nodak vs. Progressive FAQs

Is Nodak or Progressive cheaper?

Looking just at the national average prices, Nodak is the less expensive of the two carriers, offering average rates of $111 a month compared to $180 for Progressive. But Nodak won't necessarily be the cheapest company for each driver, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Nodak or Progressive?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for every driver -- it all comes down to what your unique insurance profile looks like.

Why do Nodak and Progressive offer me different rates?

Auto insurance companies take a look at a lot of different variables when calculating the rates they charge policyholders. Factors such as where you call home, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Nodak and Progressive calculate prices using different variables, 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 multiple different carriers.

How do I know if Nodak 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, 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 auto insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Nodak 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.