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

Quick Facts

• Based on national averages for auto insurance, Ohio Mutual offers cheaper premiums than Progressive
• Ohio Mutual offers more affordable prices for drivers who have below-average credit
• Progressive may help you save more money -- they offer more discounts than Ohio Mutual Insurance Company

Ohio Mutual or Progressive: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Ohio Mutual or Progressive for your next policy, but between the two, which one has less expensive rates for car insurance?

Looking at the national average rates for both carriers, Progressive has average rates that are around 16% a month more expensive than those from Ohio Mutual.

Even so, Ohio Mutual may not be the most affordable or best option for every driver out there. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so premiums could change drastically from person to person.

Wanting to know if Ohio Mutual or Progressive is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Ohio Mutual vs. Progressive: Average Car Insurance Rates by State

Ohio Mutual and Progressive only compete against each other in Ohio, where Progressive offers the cheaper average prices. Progressive drivers tend to pay about $32 per month less on average compared to drivers who use Ohio Mutual for their auto insurance.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group 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.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 35% less a month by choosing Ohio Mutual over Progressive.

That being said, both carriers will drop rates by the time you turn 25. For example, average premiums for Ohio Mutual policyholders lower about $150 and Progressive's prices decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

But who has the best prices for retired drivers between Ohio Mutual and Progressive? Ohio Mutual gets the edge, with premiums for drivers 65 and older almost 15% more affordable than the national average for Progressive.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having more than one vehicle on their policy -- something a lot of auto insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Ohio Mutual prices coming in at a quarter less than Progressive's. It's not quite so glaring for married policyholders, where drivers who use Ohio Mutual save about $1 per month.

Ohio Mutual or Progressive: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for insurance than women.

On average, women see premiums nearly $10 a month less expensive with Ohio Mutual, and around $5 with Progressive.

Looking at overall affordability, Ohio Mutual comes out as the lowest option for both genders, with average rates $27 less for men and $30 cheaper for women.

Ohio Mutual 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.

Car insurance isn't the easiest topic to understand. There are a variety of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

However, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Ohio Mutual has the significant edge, with average monthly prices coming in at $74. If you want a full coverage policy with the same state minimum limits, Ohio Mutual again has the edge, with policies averaging about $230 per month to Progressive's $250.

Is Ohio Mutual 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.

Collisions and speeding tickets will most likely raise your premiums, but is Ohio Mutual or Progressive cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Ohio Mutual for their car insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Progressive policyholders can expect a less drastic increase of about 17%.

But Ohio Mutual is usually the more affordable option for drivers both with clean records and with a ticket, offering rates that are $65 and $75 cheaper, respectively, compared to Progressive.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Ohio Mutual can expect to see around an $41 -- or about 33% -- rise in their auto insurance premiums. Drivers who use Progressive for their car insurance will see a monthly bill around $65 (or 30%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, Ohio Mutual offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $125 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 speeding ticket or even a collision. On average, Ohio Mutual will climb your rates about 71% after a DUI, while Progressive's average prices rise by more than 15%.

How does Credit Score Impact Ohio Mutual and Progressive Rates?

Did you know many insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for lots of drivers.

Auto insurance companies 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 most affordable prices 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 Ohio Mutual or Progressive Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Typically, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Ohio Mutual or Progressive report increasing rates for drivers with higher annual mileage figures. Even so, Ohio Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $152 a month for both.

Ohio Mutual or Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for car insurance. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

Ohio Mutual tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 5% with Ohio Mutual compared to Progressive. People who live in suburban areas pay about 15% less with Ohio Mutual compared to Progressive. For policyholders in urban ZIP codes, Ohio Mutual Insurance Company's average premiums are around 25% less than Progressive.

Ohio Mutual vs. Progressive Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

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 qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Ohio Mutual and Progressive so that you can find the company that has the most discounts and, therefore, the largest savings.

Progressive blows Ohio Mutual away when it comes to the sheer amount of discounts available, offering 34 different discounts to Ohio Mutual's 17.

Both carriers offer several of the same discounts -- like advance quote discounts, continuous insurance discounts, discounts for being a defensive driver, and group discounts -- but Progressive also offers discounts for advanced safety feature, agency transfer, COVID-19 relief, and more.

On the other hand, Ohio Mutual has a few proprietary discounts of their own for things like attentive driver discounts, hybrid vehicle discounts, pick up discounts, and more.

Final Thoughts: Is Ohio Mutual or Progressive Best for You?

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Ohio Mutual or Progressive the right one for you and your specific driver profile?

Ohio Mutual might be best for you if....

• You want to save money on your car insurance after a collision.
• You already have a great credit score.
• You've started working from home and don't have much of a commute.

Progressive might be best for you if...

• You are considering moving to another state -- undefined is only available in.
• Your driving record includes a DUI charge.
• You're looking for discounts -- Progressive has the most.

Hopefully, this guide helps you get a better idea of the difference between Ohio Mutual and Progressive and that it aids in making a more informed decision about your insurance.

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

Ohio Mutual vs. Progressive FAQs

Is Ohio Mutual or Progressive cheaper?

Ohio Mutual is the more affordable of the two companies when looking at national average premiums, with policies averaging $152 per month with Ohio Mutual and $180 for Progressive. However, that doesn't mean Ohio Mutual will be the most affordable carrier for everyone, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Ohio Mutual or Progressive?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Ohio Mutual is cheaper for drivers with excellent credit, while Progressive offers more affordable rates for drivers with a recent DUI.

Why do Ohio Mutual and Progressive offer me different rates?

Auto insurance carriers use several different variables when calculating the prices they charge. Factors like age, gender, your driving record, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Ohio Mutual and Progressive use different formulas, 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 many different companies.

How do I know if Ohio Mutual or Progressive is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Ohio Mutual 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.