How Progressive Calculates Your Insurance Quote
Insurance pricing is typically calculated from a mix of location and risk details, including ZIP code, driving or claims history, vehicle or property characteristics, and the coverage limits you choose. This guide explains common rating inputs so you can compare quotes more accurately and avoid “cheaper” results that come from weaker coverage.
If you are comparing offers that may include Progressive, start with one baseline setup (same ZIP code, drivers, vehicle, limits, and deductibles), then review results line by line. For a safer comparison workflow, use our Progressive quote comparison guide.
How Progressive Calculates
Providers often evaluate multiple data points—territory factors (ZIP code), prior insurance history, incidents or claims, and the policy options you select. They may also consider broader risk signals like local weather exposure, theft trends, and accident frequency. The goal is to estimate expected loss risk for a given profile and coverage configuration.
Get Auto Insurance Quotes
Compare quote estimates with the same limits and deductibles before changing options.
Get Home Insurance Quotes
Keep dwelling, liability, and deductibles consistent to compare home quotes fairly.
Main Factors That Affect Your Quote
For auto insurance, common rating factors include driving record, prior claims, annual mileage, garaging ZIP code, and vehicle characteristics. Safer drivers and vehicles with strong safety features may price differently than higher-risk profiles. If you’re targeting a low-cost setup that still meets state rules, see cheap liability auto insurance options.
Other details can also matter—credit-based insurance score (where allowed), continuous coverage history, selected deductibles, and chosen limits. To keep comparisons accurate, change only one variable at a time and note how that change affects price and protection.
Quick Overview of Rating Factors
Use this table as a checklist when comparing quotes. Matching these settings across providers makes pricing differences easier to interpret.
| Factor | Effect on Rate | How to Improve |
|---|---|---|
| Driving Record | Incidents and violations can raise costs | Drive carefully and reduce claim frequency |
| Vehicle Type | Repair costs and risk level vary by model | Choose models with strong safety ratings |
| Credit-Based Insurance Score | May affect price where permitted | Pay bills on time and keep balances low |
| Deductible | Higher deductibles often lower premiums | Choose a deductible you can afford in a claim |
Why Baseline Comparisons Matter
Baseline comparisons help you understand what is changing: price, coverage, or both. When you match limits, deductibles, and key inputs, you can judge value more reliably. You can also compare quote options to confirm which setup best fits your budget and risk tolerance.
After you find a baseline, test one change at a time (deductibles, limits, optional protections) and keep notes. That’s the simplest way to see what truly moves price without accidentally reducing protection.
Next Step
Enter your ZIP code to start comparing auto and home quote options, then review coverage details before choosing any policy. Final pricing and availability depend on your location, details, and provider rules.
If you want to explore an additional provider page for comparison, see Costco insurance quotes.
FAQ: How Does Progressive Calculate Quotes?
Does Progressive use my credit score for auto quotes?
In many states, a credit-based insurance score may be one of several rating inputs. Rules vary by state, and not every location allows the same factors.
Can I change my deductible or coverage while comparing quotes?
Yes. You can change deductibles, limits, and options to see how pricing shifts. For accurate comparisons, change one setting at a time and keep the rest consistent.
Will requesting a quote affect my credit score?
Getting a quote typically does not require a hard credit inquiry. In some cases, providers may use verification checks, and the type of inquiry can depend on state and product.