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Auto Insurance Review📉 Best Pay-as-You-Drive

Progressive — Usage-Based Auto

Progressive

Pay-per-mile style usage-based liability & collision. Typical cost $100–$170/month.

At a Glance

Category

Auto Insurance

Typical Monthly Cost

$100–$170

AM Best Rating

A+

Coverage Type

Pay-per-mile style usage-based liability & collision

Key Features

Discount based on actual driving habits

Good for low-mileage or remote workers

Combine with standard policy discounts

Pros & Cons

Pros

  • Can significantly cut costs for safe, low-mileage drivers
  • Transparent feedback on driving habits

Tradeoffs

  • Aggressive driving can increase premiums mid-term
  • Requires telematics device or app tracking

Best for: Low-mileage drivers

Frequently Asked Questions

How much does Progressive — Usage-Based Auto typically cost?

Progressive policies like this typically run $100–$170/month, though your actual premium depends on your location, coverage limits, and personal risk factors.

Is Progressive financially stable?

Progressive carries an AM Best financial strength rating of A+, which reflects the insurer's ability to pay claims. Higher ratings generally indicate stronger financial stability.

Who is Progressive — Usage-Based Auto best for?

Low-mileage drivers.

Other Insurance

GEICO Auto Insurance

Liability, collision, comprehensive & uninsured motorist

Progressive Auto Insurance

Liability, collision, comprehensive, gap & rideshare coverage

State Farm Auto Insurance

Liability, collision, comprehensive & roadside assistance

Premiums shown are illustrative national averages as of 2026 and vary by state, coverage limits, and personal risk factors — get a personalized quote directly from the provider.

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