Progressive Car Insurance Review
Our team recognizes Progressive as the best option for tech-savvy drivers and received a score of 9 out of 10. The company has a large amount of coverage options, decent customer service and good standing in the industry. As a larger insurer, Progressive is also available to all drivers in the U.S. and has flexible purchase options online or with an agent.
Pros and Cons of Progressive Auto Insurance
Here are the pros and cons of purchasing a Progressive policy:
- Usage-based insurance discount
- Snapshot program can raise rates for some drivers
Progressive Insurance Rating
The overall rating from our review team is based on performance across five key areas: reputation, availability, coverage, cost and customer experience. Below is the breakdown of Progressive’s scores in each category:
| Rating Category | Score (Out of 10) |
| Industry Standing | 9.5 |
| Availability | 10 |
| Coverage | 9.5 |
| Cost | 7.8 |
| Customer Experience | 8.7 |
| Overall Rating | 9 |
Is Progressive Insurance Good?
Purchasing a Progressive car insurance policy can be worth it for many drivers. The insurer has a wide selection of auto insurance policies and add-on coverage options, although Progressive insurance reviews from customers are mixed. However, if you are a high-risk driver, you can find some of the best rates with the company along with a large array of discounts available to all customers.
Progressive Insurance Ratings
Below you can review rating scores from reputable research agencies:
- J.D. Power 2023 Insurance Company Rating: Progressive was just below the industry standard in all regions, sitting around 10 points under the national average.
- J.D. Power 2023 Insurance Claims Satisfaction: Similar to their overall ratings in the United States, Progressive sat just below the industry average by 8 points with a score of 870 out 1000.
- NAIC Insurance Claims Complaints Index: Progressive earned a score of 1.97 which is .97 points above the national average. Even considering that they are a large insurer, this number shows lower customer satisfaction with their claims process.
- AM Best Financial Strength Rating: Progressive has a A+ (Superior) score for financial strength, which speaks well to their ability to pay claims.
Progressive Insurance Comparison
Below you can see how Progressive compares to large insurers:
| Comparison | Progressive Insurance Rating vs. Competitors | The Bottom Line |
| Progressive vs. Geico | 9 vs. 9.1 | Geico has better overall pricing that beats Progressive’s insurance offerings. |
| Progressive vs. Liberty Mutual | 9 vs. 9.1 | While comparable, Liberty Mutual has a slightly lower pricing in the insurance industry. |
| Progressive vs. State Farm | 9 vs. 9.4 | State Farm has better overall pricing and customer service, which makes it a good pick over Progressive. |
| Progressive vs. Allstate | 9 vs. 8.8 | Progressive has a slight edge over Allstate when it comes to insurance rates and add-on coverage options. |
| Progressive vs. USAA | 9 vs. 9.2 | While USAA is the best choice for military members and their families, Progressive has good, well-priced coverage options for non-military families. |
| Progressive vs. Farmers | 9 vs. 8.6 | When it comes to overall insurance services, pricing and coverage, Progressive wins over Farmers. |
| Progressive vs. AAA | 9 vs. 8.6 | While AAA offers better customer service, Progressive is more widely available. |
| Progressive vs. Nationwide | 9 vs. 9.1 | Nationwide beats Progressive in pricing and customer service. |
Progressive Car Insurance Cost
Our rate estimates show 35-year-old drivers with good credit and clean driving records pay $2,008 a year or $627 a month for full-coverage insurance. With Progressive, full coverage is $2,030 per year or $169 per month on average. While this is slightly more expensive than average national costs, your pricing may vary depending on a variety of factors. To help you decide if Progressive car insurance costs are worth it, we’ve provided sample quotes and cost comparisons to major providers below.
Why Is Progressive Insurance So Cheap?
Progressive insurance is not the cheapest auto insurer and is typically only cheaper than average for those with a DUI or other higher risk factors on their record. However, for good drivers, Progressive is not cheap compared to other insurers. Out of the insurers we compared, Progressive ranks 53 out of 130 for pricing.
Progressive Full-Coverage Car Insurance Cost Vs. Competitors
Progressive full-coverage car insurance is only 1% more expensive than the national average of $2,008 yearly. Below you can compare quotes from the company and their competitors:
| Provider | Average Monthly Cost Estimate | Average Annual Cost Estimate |
| USAA | $126 | $1,512 |
| Erie Insurance | $122 | $1,458 |
| Nationwide | $119 | $1,433 |
| Geico | $133 | $1,596 |
| Auto-Owners Insurance | $135 | $1,619 |
| State Farm | $138 | $1,657 |
| American Family | $154 | $1,851 |
| Progressive | $169 | $2,030 |
| Travelers | $133 | $1,595 |
| Allstate | $216 | $2,598 |
*All quotes are based on the profile of an unmarried 35-year-old driver with good credit, a clean driving record and a 2022 Toyota Camry.
Read more: Cheapest full-coverage vehicle insurance
Progressive Liability Car Insurance Cost Vs. Competitors
Progressive liability-only car insurance costs 11% more than the national average, which is $697 a year, making it a slightly more expensive provider than most. The table below include average costs for leading providers to highlight how Progressive’s costs compare:
| Provider | Average Monthly Cost Estimate | Average Annual Cost Estimate |
| Auto-Owners Insurance | $30 | $358 |
| USAA | $32 | $387 |
| Erie Insurance | $33 | $390 |
| Geico | $38 | $461 |
| State Farm | $44 | $523 |
| Nationwide | $44 | $531 |
| Travelers | $54 | $648 |
| Progressive | $58 | $697 |
| American Family | $67 | $810 |
| Allstate | $71 | $854 |
*All quotes are based on the profile of an unmarried 35-year-old driver with good credit, a clean driving record and a 2022 Toyota Camry.
Read more: Cheapest liability-only vehicle insurance
Progressive Car Insurance Quotes
Your car insurance prices depend on a variety of factors, and the Progressive rates you receive may not reflect the estimates below. If you’re looking for car insurance with low credit, you’ll pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan. And if you have a poor driving record or are a young driver, your insurance options will be more expensive.
Below, we’ve broken down car insurance quotes by age, driving profile and state for you to get an idea of what Progressive car insurance may cost for you.
Progressive Auto Insurance Rates For Teens
Progressive full-coverage car insurance for teens tends to be pricey, at up to almost five times more expensive for the age group of 16 to 19 than it is for a 35-year-old driver. The national average cost for a 16-year-old’s full-coverage insurance is $7,581. Below are monthly and annual average teen rates for full coverage from the company:
| Age | Progressive Average Monthly Cost Estimate | Progressive Average Annual Cost Estimate |
| 16 | $845 | $10,139 |
| 17* | $788 | $9,457 |
| 18* | $651 | $7,812 |
| 19* | $355 | $4,258 |
*These averages were found from 2022 data.
Progressive Auto Insurance Rates For Young Adults
Progressive car insurance rates for young adult drivers sits around 4% less expensive than the national average, which is $2,336 for 25-year-olds. Below you can compare average costs for 21 and 25-year-olds:
| Age | Progressive Average Monthly Cost Estimate | Progressive Average Annual Cost Estimate |
| 21* | $239 | $2,872 |
| 25 | $187 | $2,243 |
*These averages were found from 2022 data.
Progressive Auto Insurance Rates For Adults
For adults aged 35-55, Progressive car insurance prices are about the same as the national average. Below you can compare quotes for this age grouping:
| Age | Progressive Average Monthly Cost Estimate | Progressive Average Annual Cost Estimate |
| 35 | $169 | $2,030 |
| 45 | $159 | $1,904 |
| 55 | $140 | $1,679 |
Progressive Auto Insurance Rates For Seniors
Progressive is not the cheapest auto insurance for seniors but sits at around 3.43% cheaper than the national average. Below are rates for seniors aged 65-75:
| Age | Progressive Average Monthly Cost Estimate | Progressive Average Annual Cost Estimate |
| 65* | $131 | $1,566 |
| 75* | $156 | $1,872 |
*These averages were found from 2022 data.
Progressive Auto Insurance Rates by Driver Profile
Car insurance with a speeding ticket, accident, bad credit or DUI/DWI can be more expensive. Progressive offers lower rates for those with DUIs than the national average, but is more expensive for those with other driver profiles. Here are a few full-coverage rate estimates from Progressive for low and higher-risk car insurance policies:
| Driver Profile | Progressive Monthly Average Cost Estimate | Progressive Average Annual Cost Estimate | National Average Annual Cost Estimate |
| 35-year-old driver with good credit and driving history | $169 | $2,030 | $2,008 |
| 35-year-old with one speeding ticket | $212 | $2,541 | $2,508 |
| 35-year-old driver with poor credit | $331 | $3,977 | $3,829 |
| 35-year-old driver with a recent single vehicle accident | $254 | $3,052 | $2,919 |
| 35-year-old driver with a DUI | $212 | $2,548 | $3,431 |
Progressive Car Insurance Discounts
The number of available auto insurance discounts at Progressive is comparable to what you’ll find with other top insurers. However, Progressive has a few more options than some competitors when it comes to savings based on how you pay for your policy.
To help consumers save money on car insurance premiums, Progressive offers several discount opportunities:
| Progressive Discount | Discount Description |
| Multi-policy discount | Get a discount for bundling two or more policies with Progressive. |
| Multi-car discount | Save on your policy (12% on average) when you have more than one vehicle listed on your policy. |
| Continuous insurance discount | Receive a discount if you have been continuously insured, whether with Progressive or another auto insurance provider. |
| Snapshot safe driver discount | Earn a discount on your policy based on how safely you drive. |
| Teen driver discount | Get a discount when you add a teenage driver to your policy. |
| Good student discount | Lower your insurance premium (10% on average) by adding a full-time student who maintains a “B” average or better. |
| Distant student discount | Save on your policy if you have a student who is 22 or younger, lives more than 100 miles away from home and does not use their car. |
| Homeowner discount | Receive a discount for being a homeowner, regardless of whether or not your home is insured through Progressive. |
| Online quote discount | Lower your premium (7% on average) by getting a Progressive car insurance quote online. |
| Sign online discount | Earn a discount (around 9%) by signing documents online. |
| Paperless discount | Get a discount by opting to receive your documents via email. |
| Pay-in-full discount | Save on your premium by paying your policy in full up front. |
| Automatic payments discount | Lower your premium by setting up automatic payments from your checking account, credit card or debit card. |
Progressive Snapshot Discount
If you’re looking for a plan tailored to your driving, you can try Progressive’s Snapshot program which claims to save an average of $231 per year for drivers. The insurer will track your driving habits through the Snapshot app or a plug-in device for a period of time after you sign up. Depending on how safe you are on the road, you may get a car insurance discount.
Read more: Best car insurance apps
Progressive Auto Insurance Quote
To receive a quote from Progressive for auto insurance or any other type of coverage, you can go online to receive pricing or contact your local agent. In either case, you’ll need basic personal information like your birthdate, your vehicle details (make, model, mileage) and the coverage level you want. From there you’ll be able to solidify how you want to pay, whether you want to bundle or have any add-ons and finalize the process.
Progressive Car Insurance Coverage
Progressive offers the following standard types of auto insurance coverage:
- Liability auto insurance (covering property damage and bodily injury)
- Vehicle collision insurance
- Comprehensive insurance
- Medical payment coverage (MedPay)
- Personal injury protection coverage (PIP)
- Uninsured/underinsured driver coverage
Progressive Auto Insurance Coverage Options: Add-ons
In addition to the standard coverage types listed above, you can also get these extra coverage options from Progressive:
| Progressive Coverage | Description |
| Roadside assistance | Progressive roadside assistance covers jump-starts, spare tire installation, fuel delivery, lockout assistance and towing. |
| Rental car reimbursement | This option covers rental car fees at up to $60 per day in the event of a covered accident. |
| Loan/lease payoff | If your car is totaled, this coverage can pay the difference between your car’s actual cash value and the amount you still owe on your loan or lease. Some providers refer to this insurance policy as guaranteed asset protection, known as gap insurance. |
| Custom parts and equipment value | This policy covers aftermarket accessories such as audio systems, navigation systems and custom paint. |
| Rideshare coverage | Rideshare insurance covers you while you are between rides when working for a rideshare or delivery service. Availability varies by state. |
| Pet coverage | Progressive offers pet injury insurance on comprehensive plans. |
| Deductible savings bank | This option will decrease your deductible by $50 for every six-month term you go without an accident or violation. |
Progressive Insurance Claims
Progressive customers can file a claim online, through the mobile app or by calling (800) 776-4737. A claims adjustor will then inspect your vehicle and write a repair estimate. You can then choose to have repairs performed at a repair facility in Progressive’s preferred network or receive payment for the cost of repairs. If you use a facility in Progressive’s network, your repairs are guaranteed for as long as you own or lease the vehicle.
Read more: How to file insurance claims
Progressive Insurance Customer Reviews
Our team identified a strong focus on personal connections at Progressive, as many customer reviews mention helpful and understanding service agents. While the insurer has stellar financial health, some negative reviews mention that Progressive’s offerings aren’t as reliable as those from other car insurance companies.
We reached out to Progressive for a comment on these reviews, but received no response.
Progressive Auto Insurance Customer Satisfaction
In Aug. 2022, our team conducted a nationwide car insurance satisfaction survey that polled nearly 7,000 people. Of those who participated, almost 17% stated they had a Progressive car insurance policy. Here’s an in-depth look at how customers rate Progressive compared to the overall average from our survey:
| Ratings Category | Score (Out of 5) |
| Overall Satisfaction Score | 4.1 |
| Affordability | 3.7 |
| Discounts | 3.7 |
| Coverage | 3.9 |
| Shopping | 4 |
| Website | 3.9 |
Progressive Insurance Claims Reviews
Our survey found that 31% of respondents with a Progressive policy have filed a claim, while 69% have not. We discovered that most respondents were happy with the customer service during the claims process, giving Progressive a 4.1-star rating out of 5. Respondents also gave the company a 4-star rating for satisfaction with the claim outcome or settlement.
Progressive Insurance Reviews BBB
While Progressive scored just below average in recent J.D. Power studies, the insurer holds a B rating from the BBB. Customers on the platform, however, give Progressive 1 out of 5 stars. Positive Progressive insurance reviews talk about the company’s quick claims process and helpful and understanding customer service agents. On the other hand, negative reviews say some agents lack professionalism and claims can take a long time to resolve.
We reached out to Progressive for a comment on the negative customer reviews, but received no response.
Progressive Insurance Reviews Reddit
You’ll find plenty of auto insurance discussion threads on the news aggregator site Reddit. We found a variety of Progressive reviews from Reddit users, mostly focusing on the speed of the claims process. Many positive reviews of the company also focused on its low rates. Negative reviews on Reddit usually concern rates increasing at renewal time.
We reached out to Progressive for a comment on these reviews, but received no response.
Progressive Auto Insurance App Reviews
When it comes to the mobile experience, drivers leave largely positive reviews. The Progressive app has a 4.8-star rating out of 5 in the Apple App Store backed by over 230,000 customer reviews and a 4.6-star rating on Google Play from more than 116,000 customers.
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