Driving Record Points Cost Calculator (Progressive AZ)
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Driving Record Points Cost Calculator

Points on your record are expensive, and this shows how much. Using Progressive's real filed Arizona driving-record-points factors - which climb from 1.00 for a clean record to 1.80 at six points (SERFF PRGS-134736377) - this calculator estimates how much each point adds to the liability portion of your premium. Every factor below is a real filed value, and the tool shows its work.

By Justin Marks · Founder & Editor ✓ Reviewed by Jason Wootton, Licensed P&C Agent (NPN 7694718) Updated

Estimate the cost of points on your record

The points factor applies to the liability portion of your rate, so the estimate uses the share you enter (30 percent is a common rough split for a full-coverage policy). These are Progressive's filed Arizona bands for illustration; it is not a quote, and your real price depends on your full rate and how many points the carrier assigns. To see your actual number, run a real quote.

The filed factors behind this tool

These are the exact values the calculator uses, read from Progressive's Arizona rate manual on file with the state. Each traces to the same regulator filing:

A worked example

Say your annual premium is 1,400 dollars and roughly 30 percent - about 420 dollars - is the liability portion the points factor touches. With a clean record the factor is 1.00, so that portion stays near 420 dollars. Pick up one point and the filed factor of 1.20 lifts it to about 504 dollars, an increase of roughly 84 dollars. At three points the factor is 1.34 (about 563 dollars, up 143), and at six points it is 1.80 - about 756 dollars, an increase of roughly 336 dollars on that portion alone. The dollar amounts scale with your premium and liability share; the ratio - up to 80 percent more on the affected portion at six points - is what carries over.

Frequently asked questions

How much do points raise my car insurance?

With Progressive in Arizona, the filed bodily-injury factor climbs from 1.00 for a clean record to 1.20 at one point and 1.80 at six points - up to about 80 percent more on the liability portion of the rate. The calculator above turns that into a dollar estimate for your premium.

Are these DMV points or insurance points?

Insurance points. These are Progressive's own filed rating points, not state DMV license points; the two come from different schedules for different purposes and rarely match one-for-one.

Where do the numbers come from?

From Progressive Advanced Insurance Company's Arizona personal-auto rate filing, SERFF tracking PRGS-134736377, effective December 19, 2025, Driving Record Points Factor Table. They are real filed values, listed in full above, not estimates.

Why does the first point cost the most?

The step from zero to one point (1.00 to 1.20) is the steepest single jump in the table. A first chargeable event is a stronger predictor of future claims than later ones, so it carries the biggest increase - which is why protecting a clean record is worth the most.

Is this a quote?

No. It is an illustration built from one carrier's filed Arizona factors to show the size of the points effect. Your real price depends on your full rate and how many points the carrier assigns. To see your actual number, run a real quote.

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