Progressive insurance quotes by ZIP code

Progressive is essentially tied with State Farm as the largest U.S. auto insurer, with about 18.6% of private passenger auto premiums in the latest NAIC market share data. Prices still vary by ZIP code, driver and car, so the only way to know whether Progressive is the best price for you is to compare it with other insurers using the same limits and deductibles.

AutoQuotesByZip.com is an independent comparison site and is not affiliated with or endorsed by Progressive.

How Progressive prices insurance by ZIP code

A Progressive quote baseline by ZIP Code works best when you use the garaging ZIP (where the car is parked overnight) and keep the same limits and deductibles across every quote. After the baseline matches, review discounts and add-ons so you can measure true savings without quietly weakening protection.

Build a same-coverage comparison

The fastest way to keep your comparison clean is to lock the baseline first: same garaging ZIP, same drivers, same vehicle, and the same liability limits. Once that’s set, make sure collision and comprehensive deductibles also match. If one quote shows a lower price, you’ll know it’s a real difference—not a hidden downgrade.

If you’re shopping close to renewal, run quotes a couple of weeks early. That gives you time to check details calmly, instead of making last-minute changes that reduce coverage just to hit a number.

Auto: the few inputs that swing the price

For auto, the biggest levers are garaging ZIP, driver history, annual mileage, and deductibles. Even small deductible changes can move the premium, but they also change how much cash you need at claim time—so compare both the monthly price and the out-of-pocket tradeoff.

Keep liability limits steady while you test anything else. Liability is the foundation, and it’s where “cheap” quotes often cut corners.

Home: keep the property details consistent

Home quotes can change quickly if property inputs change: roof age, construction type, and replacement cost estimate are common drivers. For a fair comparison, use the same property details each time and adjust only one thing per run, like the deductible.

If you see big price swings, double-check that the dwelling limit and deductible are truly the same. Those two fields are frequent sources of “looks cheaper” confusion.

Discounts: confirm what’s applied, not what’s possible

Treat discounts like the final step. First match coverage, then verify which discounts are already included in the displayed premium and which require an action (pay-in-full, paperless, bundling, enrollment steps). This keeps “savings” from being just a marketing label.

If you want to compare the same ZIP-based method on a different provider page, see: how to compare Geico insurance quotes.

Keep your order simple: set the baseline, confirm limits, match deductibles, then review add-ons and discounts. That workflow produces quotes that are comparable and coverage that stays reliable.

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