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

Quick Facts

• In general, Trustgard Auto offers significantly less expensive prices than Progressive
• Progressive offers more discounts than Trustgard Auto Insurance
• Trustgard Auto offers more affordable average premiums for couples purchasing auto insurance together

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

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

You've maybe even narrowed it down to Progressive or Trustgard Auto as your top options, but which company will offer you less expensive prices?

Looking at the national average rates for both companies, Progressive has average rates that are about 24% per month more expensive than those from Trustgard Auto.

That being said, that doesn't necessarily mean Trustgard Auto will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so rates will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Progressive and Trustgard Auto by a variety of different rate factors, so read on to find out which carrier is the best for you.

Progressive or Trustgard Auto: Average Car Insurance Rates by State

Progressive and Trustgard Auto only compete against each other in three states, with Progressive offering cheaper prices to the average driver in all of them. If you live in Illinois, Progressive is the less expensive of the two companies when looking at the overall average premiums. Trustgard Auto is the more affordable option in Indiana.

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 rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Trustgard Auto save nearly $95 a month compared to those who use Progressive. It's worth noting that Progressive offers car insurance in 44 different states compared to Trustgard Auto's three, which can skew the average rates a bit, but the difference here is still considerable.

However, both companies will decrease prices by the time drivers turn 25. For example, average rates for Progressive policyholders reduce almost 70% and Trustgard Auto's premiums lower nearly 70% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between Progressive and Trustgard Auto? Trustgard Auto gets the edge, with rates for drivers 65 and older more than 25% cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable insurance premiums than single policyholders. That's because policies for married couples usually cover multiple cars, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Trustgard Auto is the clear winner for single drivers, with prices around $51 per month cheaper than Progressive, on average. For married drivers, the advantage is clear again - Trustgard Auto has the edge when it comes to average rates.

Progressive vs. Trustgard Auto: Average Rates by Gender

You may not know, but men normally pay more for auto insurance than women do. This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher prices.

Women typically pay about 3% a month less than men with Progressive, while with Trustgard Auto, the difference is closer to 6% per month.

When it comes to the cheapest premiums for each gender, Trustgard Auto comes out on top for both men and women, with average prices $41 less for men and $45 cheaper for women.

Progressive or Trustgard Auto: 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. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Trustgard Auto generally offers significantly less expensive premiums of $79 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies around $55 a month cheaper than Progressive, on average.

Is Progressive or Trustgard Auto Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that accidents and tickets lead to higher rates, but which company -- Progressive or Trustgard Auto -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Progressive policyholders can expect their premiums to go up an average of $31 per month if they get a ticket, while Trustgard Auto usually raises rates about $50 a month, on average.

Even so, Trustgard Auto has less expensive premiums for drivers in both categories, offering rates that are 34% and 18% more affordable, respectively, compared to Progressive.

Which Company is Best for Drivers After an Accident?

Progressive drivers who get in a collision can expect to see their prices increase by $65, while those who have insurance through Trustgard Auto will see around a $35 increase.

Overall, Trustgard Auto offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $133 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. On average, Trustgard Auto will increase your premiums about 43% after a DUI, while Progressive's average prices rise by over 15%.

Trustgard Auto has the overall lowest rates for drivers with a DUI on their records at $171 per month, but it's worth noting that Progressive's average rates come from 44 states compared to just three for Trustgard Auto, so the data may be skewed slightly.

How does Credit Score Impact Progressive and Trustgard Auto Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly auto insurance premiums. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Car 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, drivers with bad credit will often be forced to pay more.

So, which carrier offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Trustgard Auto. Drivers with "excellent" credit can save just under 20% compared to Progressive, and those with "good" scores can also expect to see savings -- around $29 or 18% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Trustgard Auto typically offers lower premiums than Progressive when it comes to drivers with bad credit. Drivers with "fair" credit pay about $41 per month less with Trustgard Auto compared to Progressive, and those with "poor" scores typically save an average of around $77 a month.

Is Progressive or Trustgard Auto 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 big impact on how much insurance carriers will charge for coverage? Normally, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

In this case, neither Progressive or Trustgard Auto report increasing rates for drivers with higher annual mileage figures. Even so, Trustgard Auto 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 $137 a month for both.

Progressive vs. Trustgard Auto: 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 considerable impact as well. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Trustgard Auto boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Trustgard Auto Insurance's average rates are about $60 less than Progressive. Drivers in suburban ZIP codes pay around $47 less with Trustgard Auto compared to Progressive. If you live in a rural area, you can expect to save about $20 with Trustgard Auto compared to Progressive.

Progressive vs. Trustgard Auto Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to nail down the company 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 compared all of the different discounts offered by Progressive and Trustgard Auto so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Trustgard Auto out of the park when it comes to the sheer number of discounts available, offering 18 more discounts than Trustgard Auto.

Both companies offer quite a few of the same discounts -- like advanced safety feature discounts, COVID-19 relief discount, discounts for being a defensive driver, and discounts for being a good student -- but Progressive also offers ABS discounts, agency transfer discounts, continuous insurance discounts, and more that Trustgard Auto does not.

On the flip side, Trustgard Auto has a couple unique discounts of its own -- company car discounts, intra-agency transfer discounts, legacy discounts, and more.

Final Thoughts: Is Progressive or Trustgard Auto Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, which insurance carrier is the best fit for you?

Trustgard Auto might be best for you if....

• You live in one of the following states: Illinois, Indiana, and Tennessee.
• You already have a great credit score.
• You have a short commute.

Progressive might be best for you if...

• You already have plans to move to another state -- Trustgard Auto Insurance only offers policies in three states.
• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Progressive and Trustgard Auto and that you can now make a more informed decision when it comes to 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 a handful of companies, not just Progressive and Trustgard Auto. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Progressive vs. Trustgard Auto FAQs

Is Progressive or Trustgard Auto cheaper?

Looking just at the national average prices, Trustgard Auto is the cheaper of the two companies, offering average rates of $137 per month compared to $180 for Progressive. But Trustgard Auto won't necessarily be the lowest carrier for each policyholder, since there are multiple different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Progressive or Trustgard Auto?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Progressive and Trustgard Auto offer me different rates?

Insurance carriers take a look at a lot of different factors when calculating the rates they charge policyholders. Variables like your driving record, age, where you live, gender, and sometimes even things like your credit score can all come into play. Both Progressive and Trustgard Auto calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers 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 car insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Progressive or Trustgard Auto 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.