Progressive Car Insurance Review (2024) | LendingTree (2024)

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Progressive is a good company if you’re taking advantage of their discounts. However, average rates without discounts are expensive, and the company gets twice as many complaints than average.

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Progressive Car Insurance Review (2024) | LendingTree (4)

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Offers a wide variety of discounts that many drivers can qualify for

Can save $793, on average, if you bundle your home and car policies

Snapshot program helps good drivers save up to $231/year

Especially cheap rates if you have a DUI conviction or live in New York

Good online experience

Available in all 50 states, in case you move


Expensive rates for most drivers

Poor customer service

LendingTree Score: 3.8 out of 5
Progressive Car Insurance Review (2024) | LendingTree (5)

Progressive may be a good option for you if you qualify for some of their diverse discounts. However, Progressive also has relatively expensive rates, and its average customer satisfaction scores are worse than average.

Progressive’s customer satisfaction ratings from a J.D. Power 2023 study were poor in much of the country.

J.D. Power’s ratings are based on survey responses to questions about its billing process, policy information, claims, interactions, policy offerings and cost.

Meanwhile, a National Association of Insurance Commissioners (NAIC) report found Progressive received roughly twice the number of complaints compared to the average.

On the other hand, Progressive is currently seen as financially secure, with an A.M. Best rating of A+, so it can be relied on to pay out future claims.

How much is Progressive car insurance?

Progressive car insurance policies cost, on average, $2,032 per year for full coverage. That puts Progressive rates close to the nationwide average rate of $1,976.

CompanyFull coverage
State Farm$1,487
Country Financial$1,600
American Family$1,920
Farm Bureau$1,931

If you’ve been at fault in an accident, or you have a traffic ticket on your record, Progressive’s rates are often higher than most companies.

However, if you have a driving under the influence (DUI) conviction, Progressive actually offers cheaper rates than average, at $2,547 per year.

Clean recordTicketAccidentDUI
State Farm$1,487$1,616$1,843$4,402
Country Financial$1,600$2,114$2,336$2,459
American Family$1,920$2,352$2,980$3,114
Farm Bureau$1,931$2,191$2,662$3,343

Progressive car insurance rates for teens

If you’re a teen driver, Progressive is one of the more expensive car insurance companies. Progressive’s average rate for teens is $8,495 a year, far above the $5,300 industry average for insuring an 18-year-old driver.

CompanyFull coverage for a 30-year-oldFull coverage for an 18-year-old
State Farm$1,487$4,128
Country Financial$1,600$2,226
American Family$1,920$5,413
Farm Bureau$1,931$4,451

Progressive has the cheapest full-coverage rates in New York and North Carolina among the largest car insurance companies. Progressive also has the cheapest minimum-coverage quotes in New York.

StateFull coverageLiability only
New Hampshire$1,162$675
New Jersey$1,881$1,349
New Mexico$1,558$566
New York$1,124$627
North Carolina$727$377
North Dakota$1,701$400
Rhode Island$2,658$1,186
South Carolina$2,205$750
South Dakota$2,351$371
Washington, D.C.$2,192$1,238
West Virginia$1,899$1,096

No data available for Progressive in a few states

Minimum-coverage, also known as liability coverage, covers injuries for other drivers and their passengers if you caused an accident.

Full-coverage policies cover liability coverage, as well as protection for your car if it’s damaged.

Progressive car insurance discounts

Progressive offers great insurance discounts if you bundle your home and car policies, with savings up to $793.

Progressive also offers a few unique discounts. For example, if you’re also a good driver, you can take advantage of the Progressive Snapshot program.

If you’re enrolled in the Snapshot program, your car insurance rate can go up or down based on your driving habits. Driving less and not using your phone while driving can lower your car insurance rate. The average savings for drivers enrolled in this program is $231.

Progressive also offers several other car insurance discounts:

  • Multi-policy
  • Continuous insurance
  • Teen driver
  • Good student (average savings of 10%)
  • Distant student
  • Homeowner
  • Multi-car (average savings of 12%)
  • Online quote (average savings of 7%)
  • Sign online (average savings of 9%)
  • Paperless
  • Pay in full
  • Automatic payment

In addition to standard coverage, like liability and collision, Progressive offers some great optional coverage.

  • Loan/lease payoff: If your leased or loaned car is totaled or stolen, Progressive may cover the cost difference between the amount you owe and the worth of the car, up to 25% of the value of the car before it was stolen or totaled.
  • Rental car reimbursem*nt: If you’re in an accident, Progressive may pay for your rental car, up to your limits.
  • Roadside assistance: With this coverage, Progressive can help you get back on the road or have your car towed if your car stops running.
  • Custom parts and equipment value (CPE) coverage: This coverage will cover custom parts and equipment that you added to the car, up to a limit. This includes stereos and custom wheels.
  • Rideshare coverage: If you drive your car for a ridesharing company such as Uber or Lyft, Progressive can protect you while you’re on the app and waiting for a rider or delivery request.

Find Insurers


LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.

Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.

For full coverage policies, coverage limits include:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.

For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.

On this page

  • Is Progressive car insurance good?
  • How much is Progressive car insurance?
  • Progressive cost by driving record
  • Progressive cost for teens
  • Progressive cost by state
  • Progressive discounts
  • Progressive coverage
  • Methodology
Progressive Car Insurance Review (2024) | LendingTree (2024)


Is Progressive good about paying claims? ›

Is Progressive good about paying claims? Progressive ranks below average in the 2023 J.D. Power Auto Claims Satisfaction Study.

Who is better, Geico or Progressive? ›

Key Takeaways: Geico is best for you if you're simply looking for the cheapest option, as the provider has a cheaper average rate estimate in 82% of states across the U.S. Progressive is best for you if you're looking for more coverage options, add-ons and customizations.

Where does Progressive rank in insurance? ›

Progressive is tied with Erie for the No. 9 spot in our rating of the best car insurance companies. It has the sixth-cheapest average rate among the companies we analyzed, with a sample premium lower than the national average.

What is the #1 auto insurance in the US? ›

Best Car Insurance Companies of June 2024
Best car insurance categoryCompany winner
Best insurance company overallTravelers
Best insurance company for affordabilityAmerican Family
Best insurance company for accident forgivenessGeico
Best insurance company for having few customer complaintsNJM
4 more rows
5 days ago

What are the negatives of Progressive Insurance? ›

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.

Are people happy with Progressive? ›

Progressive Insurance Reviews: FAQ

Customers in our August 2022 insurance survey gave Progressive a rating of 4.0 out of 5.0 for their satisfaction with the outcome of their claim. This was slightly below the 4.1 average across the top 15 brands in the survey.

Does Progressive raise rates after 6 months? ›

Your Progressive rates may increase after six months depending on a number of factors. Like other car insurance providers, Progressive will typically raise your rates if you receive a speeding ticket or moving violation, cause an accident or make comprehensive insurance claims.

What is the most trusted car insurance company? ›

Our analysis found that Nationwide is the best car insurance company overall, followed closely by USAA, Travelers and Erie. We evaluated insurers across the country based on costs, coverage options, complaints and claims processes.

Why is Progressive so expensive? ›

If you buy directly from a Progressive company, your car insurance price reflects the cost of staffing and maintaining the sales centers, and a larger portion of our marketing costs.

Can I trust Progressive? ›

Progressive is rated 3.9/5 by WalletHub's editors, based on sample quotes, reviews from customers, and ratings from J.D. Power.

Who is bigger, State Farm or Progressive? ›

State Farm is the largest auto insurance company in the U.S., with 18% of the market. Other big car insurance companies include Progressive, Geico and Allstate.

Is Allstate or Progressive cheaper? ›

In terms of car insurance costs, Allstate is more expensive than other top competitors like Progressive, Geico and State Farm. In the category of affordability, we rate Progressive 7.8 out of 10.0 stars and Allstate 7.4 out of 10.0 stars.

What insurance company has the most complaints? ›

Ratio for Complaint Years 2022, 2021, and 2020
2022 RankCompany Name2022 Approx. Exposure Count
1Garrison Property and Casualty Insurance Company115,066
2American National Prop & Cas Co82,749
3Safeco Insurance Company of Illinois58,402
48 more rows

Which insurance company has the highest customer satisfaction? ›

According to a recent customer satisfaction survey conducted by independent analysts of the insurance industry, USAA, American General and Kaiser Permanente have earned the highest scores from those who purchase their products.

Why did my car insurance go up in 2024? ›

With increasing costs across various parts of the automotive industry, from higher average repair costs to continuing supply chain issues, auto insurance companies have needed to raise rates to turn a profit.

Does Progressive Insurance go up after a claim? ›

Your rate may go up if you have comprehensive auto coverage and file a claim for incidents like car theft and vandalism, hitting a deer, fire, glass breakage (including a cracked windshield), hail/weather-related damage, and other acts of nature.

Which insurance company has the best claims process? ›

5 Best Homeowners Insurance Companies for Paying Claims
  • American Family: Overall Pick for Paying Claims.
  • State Farm: Our pick for new homeowners.
  • Allstate: Our pick for extended coverage.
  • Liberty Mutual: Our pick for discounts.
  • Progressive: Our pick for bundling.
May 29, 2024

How much does Progressive pay in claims? ›

How much does a Progressive Claims Adjuster make in California? As of Jun 11, 2024, the average annual pay for a Progressive Claims Adjuster in California is $66,444 a year. Just in case you need a simple salary calculator, that works out to be approximately $31.94 an hour.

Is insurance claims worth it? ›

Key takeaways. Filing a home insurance claim might make the most sense when the loss estimate is more than your deductible. Any claim, even a minor one, might lead to an increase in your home insurance premium. Having frequent or repeat claims could cause a property insurer to nonrenew your policy.

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