Progressive is one of the largest insurers in the U.S. and offers a range of comprehensive coverage options. According to Progressive insurance reviews, claims service is speedy and reliable for most customers. This review provides a full examination of Progressive auto insurance to help you decide if it’s a good choice for your car.

In our industry-wide review of the nation’s best car insurance companies, Progressive was one of our top picks. We recommend reaching out to the insurer as well as other companies to find the cheapest car insurance quotes for your situation.

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In This Review:

    Progressive Rating: 4.5 Out Of 5.0

    Progressive is a low-cost national insurer with a full range of coverage options. It was one of the earliest adopters of online technology, and Progressive policies are easily handled through the mobile app. The Progressive usage-based program, Snapshot®, appears to function well and can help infrequent drivers save big on premiums.

    Progressive customer service isn’t quite as well reviewed as Geico’s or USAA’s, though the insurer’s complaint volume is relatively low. Most Progressive insurance reviews find the company to be reliable and professional. Progressive may be an especially attractive option for drivers with a recent DUI or accident on their driving record.

    Cost

    4.5

    Coverage

    4.5

    Reliability

    5.0

    Claims Service

    4.5

    Overall Rating

    4.5

    About Progressive

    Founded: 1937
    States available: All states
    AM Best financial strength rating: A+

    Progressive is a well-established, storied company that offers auto insurance to drivers in every state. It is among the largest corporations in the U.S. by revenue and had an operating income of over seven billion dollars in 2020. Combined with its A+ financial strength rating from AM Best, drivers can be confident in Progressive’s reliability when it comes to meeting claims obligations.

    Progressive offers the following types of insurance:

    • Auto insurance
    • ATV insurance
    • Boat insurance
    • Dental insurance
    • Health insurance
    • Homeowners insurance
    • Life insurance
    • Mobile home insurance
    • Motorcycle insurance
    • Pet insurance
    • Renters insurance
    • RV insurance
    • Snowmobile insurance
    • Vision insurance
    • Rideshare insurance
    • Small business insurance

    It’s typically a good idea to purchase all your insurance products from the same insurer as most (including Progressive) offer bundling discounts.

    Progressive Pros

    Progressive Cons 

    Easy auto insurance quotes process

    Average customer satisfaction ratings

    Wide range of insurance products

    Higher rates than other insurers

    Good choice for high-risk drivers

    Progressive Car Insurance Cost

    One reason that Progressive is such a popular insurer is that it is able to offer low insurance premium costs. While it is not the cheapest car insurance provider on average according to our cost estimate data, it is competitive.

    Car insurance rates depend on a number of factors, such as:

    • Age
    • Gender
    • Marital status
    • Credit score
    • Location
    • Vehicle
    • Driving history

    The policy that you choose and your deductible will also affect your final rate. Because rates vary from driver to driver, the best way to get an idea of what you will pay for coverage is to reach out for a personalized car insurance quote.

    To provide a better understanding of Progressive’s costs, the table below shows annual rate estimates for full coverage policies for a 35-year-old married driver with good credit and a clean driving record.

    State

    Annual Rate Estimate

    State

    Annual Rate Estimate

    Alabama

    $1,385

    Alaska

    $1,307

    Arizona

    $1,277

    Arkansas

    $1,478

    California

    $1,709

    Colorado

    $1,426

    Connecticut

    $1,296

    Delaware

    $1,268

    District of Columbia

    $1,741

    Florida

    $2,393

    Georgia

    $1,418

    Hawaii

    $1,500

    Idaho

    $890

    Illinois

    $1,158

    Indiana

    $1,041

    Iowa

    $1,054

    Kansas

    $1,320

    Kentucky

    $1,326

    Louisiana

    $2,944

    Maine

    $976

    Maryland

    $1,474

    Massachusetts

    $3,054

    Michigan

    $1,682

    Minnesota

    $1,823

    Mississippi

    $1,335

    Missouri

    $1,521

    Montana

    $1,412

    Nebraska

    $1,446

    Nevada

    $1,486

    New Hampshire

    $752

    New Jersey

    $1,326

    New Mexico

    $1,325

    New York

    $1,310

    North Carolina

    $1,398

    North Dakota

    $988

    Ohio

    $947

    Oklahoma

    $1,494

    Oregon

    $1,068

    Pennsylvania

    $1,501

    Rhode Island

    $1,670

    South Carolina

    $1,192

    South Dakota

    $1,622

    Tennessee

    $1,056

    Utah

    $1,090

    Vermont

    $1,627

    Virginia

    $913

    Washington

    $867

    West Virginia

    $1,221

    Wisconsin

    $771

    *Cost information not available for Progressive auto insurance in Texas or Wyoming.

    We find that Progressive tends to be especially attractive for high-risk drivers–that is, those with a recent accident, DUI, or speeding ticket.

    Cheapest Car Insurance Estimates For Drivers With A Recent Car Accident

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,428

    State Farm

    $1,671

    Geico

    $2,427

    Progressive

    $2,471

    Nationwide

    $2,545

    Cheapest Car Insurance Estimates For Drivers With A Recent DUI

    Car Insurance Company

    Annual Rate Estimate

    State Farm

    $1,998

    Erie

    $2,034

    Progressive

    $2,106

    USAA

    $2,209

    American Family

    $2,433

    Cheapest Car Insurance Estimates For High-Risk Drivers (Recent DUI, Speeding Ticket, Or Accident)

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $2,258

    Erie

    $2,505

    Progressive

    $2,572

    State Farm

    $2,678

    American Family

    $2,761

    Progressive Car Insurance Discounts

    In addition to offering low rates for high-risk drivers, Progressive also offers a number of useful insurance discounts. You may find the cheapest policies with Progressive if you are able to take advantage of any of the following discount opportunities:

    Multi-Policy Discount

    Available to policyholders who get their renters insurance, homeowners insurance, or other insurance products along with their auto insurance from Progressive

    Multi-Car Discount

    Discount for customers who insure more than one vehicle with Progressive

    Continuous Insurance

    Discount offered to customers who maintain continuous car insurance
    coverage (even with another provider)

    Teen Driver Discount

    Provides a discount for adding drivers 18 and younger to your policy

    Good Student Discount

    Available to full-time students with a B or better grade average

    Distant Student Discount

    Available to full-time students 22 and younger who go to school
    more than 100 miles from home without bringing their car

    Homeowner Discount

    Offered to customers who own a home

    Online Quote

    Provided when you purchase your insurance online or over the phone

    Sign Online

    Discount for signing documents online

    Paperless

    Available to customers who sign up for paperless billing

    Pay in Full

    Provides a discount to customers who pay their premium in full up front

    Automatic Payment

    Applied to accounts that set up recurring automatic payments

    Clean Driving Record

    Offered to safe drivers with no tickets or accidents in the last 3 years

    Progressive has several other money-saving features that aren’t exactly discounts but can result in decent savings for customers.

    • Small accident forgiveness: Claims less than $500 won’t result in raised rates
    • Large accident forgiveness: Will not raise rates on any claim provided the customer has had no accidents in the last five years and no tickets in the last three years
    • Deductible savings bank: Reduces comprehensive and collision deductible by $50 for each policy period without a violation

    While not a discount, Progressive also has the Progressive Name Your Price® tool. This quote tool allows customers to start their quote by listing the amount they hope to pay and then tailors policy options to that cost.

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    Progressive Auto Insurance Coverage

    Like most auto insurance providers, Progressive offers the following six types of standard coverage:

    Liability

    Bodily injury liability insurance covers the medical expenses for other drivers and their passengers after an accident in which you are at fault. Property damage liability insurance pays for damages to other drivers’ vehicles after an accident you caused.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.

    Comprehensive

    Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    In addition to the policies mentioned above, Progressive also offers several add-on insurance options, such as:

    Loan/Lease Payoff

    Covers the difference between what you owe and actual cash value

    after a total loss claim

    Rental Car Reimbursement

    Reimbursement for rental car expenses while your vehicle is in the shop

    for covered repairs

    Custom Parts and Equipment Value

    Custom coverage for your stereo, navigation system, and even paint job

    Rideshare Coverage

    Required if you use your car for a rideshare service

    Roadside Assistance

    Provides services for towing, lockouts, flat tire changes, and fluid delivery

    Because it is such a large company, Progressive is able to offer high coverage limits on all of its policies.

    Progressive Usage-Based Insurance

    Progressive’s usage-based insurance program is called Snapshot. Snapshot monitors your driving habits through a mobile app. If you avoid hard braking and late-night driving, stay off your phone, and drive less overall, you can find significant savings through Snapshot.

    The Snapshot app has a 3.9 out of 5.0-star rating on the Google Play store. This makes it one of the higher-rated usage-based driving apps. There are some complaints about the user interface, but the app seems to work well for most drivers. The app has an even higher 4.6 out of 5.0-star rating on the App Store.

    Progressive Mobile App

    Coverage, payments, and claims can be managed through the Progressive insurance app, which has a 4.1 out of 5.0-star rating on Google Play and a 3.4 out of 5.0-star rating in the App Store. These ratings aren’t quite as high as some of the best insurers’ apps, but reviews are good enough to indicate that the app works properly. Negative reviews regard Progressive service and not the functioning of the app itself.

    Progressive Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in the past three years: 3,189
    J.D. Power customer satisfaction index: 862 / 1,000

    As with all insurers, there are both positive and negative Progressive insurance reviews. Overall, the number of complaints against Progressive is relatively low for a company of its size. Policyholders are typically satisfied with the insurance claims process.

    Positive Progressive Insurance Reviews

    In many instances, reviewers are happy with the claims experience and report that claims were handled quickly and professionally.

    “My car was totaled by a freight truck at full speed on the highway. Progressive handled everything beautifully from processing the claim, to settlement, to issuing new coverage for my replacement vehicle.”

    – Tatyana B. via BBB

    “After our car was totaled in a hail storm in North Texas, the company appraiser and settlement people were very helpful and patient when walking us through a fairly complex procedure while making the process less stressful for us.”

    – Sandy Z. via BBB

    Negative Progressive Insurance Reviews

    Some complain about Progressive’s suggested mechanics, while others report a poor experience filing liability claims after they were hit by a Progressive customer. These experiences appear to be the minority, but they do occur.

    “Nothing but problems when it comes to filling a claim. My car was repaired incorrectly twice by Progressive’s go-to mechanics.”

    – Mike C. via BBB

    “I was hit by a Progressive-insured driver [and] it’s been [over one] month without a single answer. They don’t care about your car, they don’t care about your time.”

    – Juan M. via BBB

    Other Recommendations For Car Insurance

    If you’re trying to find the best car insurance coverage for your vehicle, you’ll want to shop around and compare auto insurance rates from several top providers. Progressive is a good place to start looking, but be sure to consider other auto insurance companies like Geico and USAA.

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    Geico: Best Overall Provider

    Our team named Geico the Best Overall Provider, and it’s one of only two insurers we awarded a full 5.0 out of 5.0 stars. The company is known for offering comprehensive coverage options at affordable prices. It also provides reliable claims service to drivers nationwide and has high customer satisfaction scores.

    Geico received an A++ financial strength rating from AM Best and has a long history of meeting customer claims obligations. It can often be the cheapest option for many drivers–good drivers, young drivers, and drivers with poor credit in particular.

    Read our Geico insurance review for more information on this provider, such as our state cost estimates, discount options, and customer reputation.

    USAA: Best For Military Members

    While its auto insurance policies are available only to military members, veterans, and their immediate families, USAA is one of the best options for those who are eligible. The company boasts some of the lowest average rates of any insurer, and good drivers in particular are likely to find the lowest costs through USAA.

    USAA frequently ranks high in J.D. Power studies, and the company has high customer satisfaction scores overall. It’s also a highly reliable company with an A++ financial strength rating from AM Best. 

    You can learn more about this provider, including average cost data, by reading our complete USAA insurance review.

    Frequently Asked Questions

    • Does Progressive pay well on claims?

      Progressive is rated A+ for financial strength by AM Best. The company is one of the largest insurers in the U.S. and is easily capable of meeting customer claims obligations. Based on our research, Progressive does pay well on claims.

    • Does Progressive raise rates after six months?

      Progressive does not have an official policy of automatically raising customer rates after six months. Some customers have reported rate increases after six months, but these are typically because the driver had an accident or some other change in circumstance that caused rates to increase. In some cases, changing state regulations can increase insurance rates.

    • Are people happy with Progressive insurance?

      According to Progressive insurance reviews, most customers are happy with their Progressive insurance policies. As a national insurer, service and prices can vary from state to state.

    • How long does a Progressive claim take?

      According to Progressive, claims are typically resolved within 7 to 14 days. Repair times can vary depending on the specific damage. There have been customer reports of long waits for claims handling, but these experiences seem to be exceptions.

    • How do you cancel Progressive car insurance?

      Progressive car insurance policies can be canceled over the phone, by mail, or via email. The company does not allow customers to cancel auto policies online. 

    • What add-on insurance options does Progressive have?

      In addition to the six types of standard coverage, Progressive offers gap insurance, rental car reimbursement, custom parts and equipment value, rideshare coverage, and roadside assistance.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review methodology focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.