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

Quick Facts

• In general, Progressive offers slightly more affordable rates than Omni
• Omni offers more affordable premiums for drivers who have an at-fault accident on their record
• Progressive offers more discounts than Omni Insurance

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering considerable discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Omni or Progressive as your top options, but which company will save you the most?

As you can see, Progressive is about $1 per month less expensive than Omni when looking at the national average rates for insurance.

That being said, that doesn't necessarily mean Progressive will be the cheaper option for every driver. Auto insurance companies vary their rates depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and tons of other factors. So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

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

Omni or Progressive: Average Car Insurance Rates by State

Omni and Progressive only compete against each other in two states, with Progressive offering more affordable rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni prices are less expensive than car insurance premiums at Progressive.

That being said, there are plenty of other factors that go into your auto insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Progressive save $20 a month compared to those who use Omni.

However, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for Omni policyholders drop nearly $350 and Progressive's premiums decrease more than $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 most affordable prices out there.

But who has the best rates for retired drivers between Omni and Progressive? Progressive gets the slight edge here, with average premiums coming in at around $131 a month compared to Omni's $132. Even so, the difference is only about 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which carrier has the cheapest prices for you.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married policyholders. This usually boils down to married couples having more than one car on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Progressive is the winner for single policyholders, with prices around $2 per month cheaper than Omni, on average.

Omni vs. Progressive: Average Rates by Gender

You may not know, but insurance is generally more expensive for men than for women. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim.

Normally, women see premiums about $15 a month less expensive with Omni, and around $5 less with Progressive.

Looking at overall affordability, Progressive is the lowest company for men. Rates with Progressive are $6 less for men, while women can save about $4 with Omni.

Omni 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.

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

However, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

In this case, Omni offers the cheapest average rates for state minimum liability insurance, while Progressive has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $7 with Omni Insurance, while full coverage comes out to be around $10 more affordable with Progressive.

Is Omni 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.

Accidents and tickets will most likely raise your prices, but is Omni or Progressive cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Omni policyholders can expect their premiums to go up an average of $7 per month if they get a ticket, while Progressive normally raises rates about $31 a month, on average.

If you have a clean record, Progressive tends to offer the best prices at around 11% less expensive, while Omni has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Omni can expect to see about an $35 -- or around 17% -- increase in their car insurance rates. Drivers who use Progressive for their insurance will see a monthly bill about $65 (or 30%) more expensive after reporting an accident to their auto insurance carrier.

Overall, Omni offers the most affordable premiums for drivers with an at-fault collision on their records, with monthly rates averaging $203 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. On average, Progressive will climb your prices around 16% after a DUI, while Omni's average premiums climb by 6%.

How does Credit Score Impact Omni and Progressive Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for several policyholders.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will typically be forced to pay more.

Looking at Omni and Progressive specifically, 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 Omni or Progressive Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much car insurance companies will charge for coverage. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Omni or Progressive report increasing rates 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 car annually, with average prices of $180 per month for both.

Omni 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 auto insurance, but the type of area you live in can have a large impact as well. Usually, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Omni boasts the lowest average prices in rural and suburban areas, while Progressive wins in urban areas.

In urban areas, Progressive's average premiums are about 22% less than Omni Insurance. Drivers in suburban ZIP codes pay around 20% less with Omni compared to Progressive. If you live in a rural area, you can expect to save about 13% with Omni compared to Progressive.

Omni 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, and 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 hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've broken down all of the different discounts offered by both Omni and Progressive so that you can see which company can save you the most money each month.

Progressive blows Omni away when it comes to the sheer amount of discounts available, offering 21 more discounts than Omni.

A couple of those are overlapping for things like agency transfer discounts, discounts for being a defensive driver, group discounts, and paid in full discounts. Progressive also offers ABS discounts, advanced safety feature discounts, continuous insurance discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- cellphone safety discounts and non-owner discounts.

Final Thoughts: Is Omni or Progressive Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, is Omni or Progressive the right fit for you?

Progressive might be best for you if....

• You are considering moving to another state -- undefined only offers policies to residents.
• You're looking for more protection with "full coverage" insurance.
• You drive fewer than 6,000 miles yearly.

Omni might be best for you if...

• You've been pulled over for speeding recently.
• You want basic car insurance coverage at the state minimum limits.
• You live in a rural area.

We hope this guide has ben a valuable resource as you compare Omni and Progressive. We also hope we've given you the information you need to make the best decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several companies, not just Omni and Progressive. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Omni vs. Progressive FAQs

Is Omni or Progressive cheaper?

Looking just at the national average premiums, Progressive is the more affordable of the two companies, offering average rates of $180 a month compared to $181 for Omni. That being said, Progressive won't necessarily be the cheapest carrier for everyone, 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, Omni or Progressive?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Omni and Progressive offer me different rates?

Car insurance carriers take a look at quite a few different variables when determining the prices they charge policyholders. Things such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Omni and Progressive calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the 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 information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Omni 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.