Progressive Car Insurance Review (2024) (2024)

Progressive is the second-largest auto insurer in the United States, and the company collected more than $51 billion in premiums in 2022.

Customers may be drawn to Progressive because it makes shopping for coverage easy, offers in-person support from more than 38,000 agents, and has rates on par with its competitors. But imperfect customer service ratings are worth paying attention to before you apply for coverage.^[1]

Keep reading to learn about Progressive’s pros, cons, and coverage options so you can decide whether this insurer will meet your auto insurance needs. Even if you’re set on Progressive, comparing multiple insurers is the best way to find the cheapest coverage.

How Progressive compares to other insurance companies

Progressive’s average rates and customer service ratings are on par with its competitors, Allstate, GEICO, Liberty Mutual, and State Farm. The insurer isn’t among the cheapest car insurance companies, but it doesn’t charge the highest rates either.

While its customer reviews are better in some markets than others, the insurer generally comes in just below average in terms of customer satisfaction in J.D. Power studies.^[1] Progressive does have a fairly positive National Association of Insurance Commissioners (NAIC) complaint index score of 0.89, which signals a lower-than-average number of complaints for a company of its size.^[2]

The table below offers more insight into how Progressive stacks up.

How Progressive rates compare to competitors

Progressive offers liability coverage for an average of $78 per month and full coverage for $134 per month.

Progressive’s rates are similar to other large insurers. But the company’s unique Name Your Price tool allows for more customization and flexibility on premiums.

The table below shows full-coverage rates from Progressive and other popular insurers.

Average cost of Progressive auto insurance

No matter the insurer, drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers to be more likely to file a claim and charge higher rates to make up for the possible financial loss.

Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and they have less experience. Senior drivers pay the lowest rates because they have the most experience.

The table below illustrates how Progressive’s monthly liability rates compare to the national average liability rates for various driver profiles.

Progressive car insurance cost by state

Every state sets insurance minimums, which vary in coverage types and limits. Each state has a diverse population, and accident risks differ from location to location. As a result, insurance premiums often differ by geographic area, even among the biggest insurance companies.

The table below shows average Progressive car insurance rates nationwide, as the insurer offers coverage in all 50 states. Prices shown are monthly average rates for liability auto policies in most states.

Progressive car insurance discounts

Insurance discounts reduce costs and allow drivers to get lower rates and save on coverage. Comparing discounts is as important as comparing rates. An insurer that offers more discounts may end up providing lower premiums overall than one that charges a lower base rate but offers fewer opportunities to save.

Progressive offers many great discounts and is very transparent about how much drivers can save with each option. The table below shows the company’s discounts and the amount most drivers can save.

How customers feel about Progressive

In J.D. Power’s 2023 U.S. Auto Insurance Study, Progressive was below the industry average in every region, receiving strong ratings on only usage-based insurance.^[1]

Progressive’s Trustpilot rating is 1.8 of 5 stars, and the insurer has an A rating from the Better Business Bureau but 1.07 out of 5 stars.^[4][5]

Customers often cite difficulty with claims and a lack of communication from the insurer.

Progressive ratings

Progressive’s overall ratings from various organizations show a company with solid financial strength but imperfect customer service.

Its A+ AM Best Rating — assigned by a leading credit-rating agency operating within the insurance industry — demonstrates Progressive’s financial stability.^[6] But customer service issues are revealed when reviewing ratings from J.D. Power, a consumer intelligence company.^[1]

Progressive has a decent score from the NAIC, which indicates a lower number of complaints than the average.^[2]

Progressive car insurance coverage options

Every state sets minimum auto insurance requirements, which typically include bodily injury and property damage liability insurance. Some states also require other coverages, including personal injury protection (PIP) and uninsured/underinsured motorist coverage.

Like most auto insurance companies, Progressive offers policies that meet state minimums and full-coverage policies. The insurer also offers add-on coverage options that not all auto insurers offer. These include a deductible savings bank, coverage for pet injuries, and multiple accident forgiveness programs.

Here are Progressive’s coverage options:

• 

  Collision coverage

  With collision insurance, any crash-related losses are covered no matter who was to blame.

• 

  Comprehensive coverage

  Comprehensive insurance covers any losses not from a crash, such as hitting a tree, bad weather, vandalism, or theft.

• 

  Auto road service

  Progressive provides roadside assistance to get up and running after a vehicle breakdown.

• 

  Car rental coverage

  When a car is being repaired after a covered loss, Progressive will pay for a rental car.

• 

  Medical payments

  Policyholders can get their medical bills paid or funeral costs covered using medical payments coverage.

• 

  Rideshare coverage

  Motorists using their cars to drive for Uber, Lyft, or similar services need this add-on, as personal car insurance policies won’t usually cover business use of a vehicle.

  See Also

  Geico vs. Progressive Auto Insurance - NerdWallet

• 

  Trip interruption

  Progressive pays up to $500 of covered costs after an accident occurs 100 or more miles from home.

• 

  Pet injury

  Progressive covers up to $1,000 in vet bills after a pet is hurt in a collision.

• 

  Deductible savings bank

  Each six-month period without an insurance claim or violation earns you a $50 reduction in your deductible.

• 

  Accident forgiveness

  Small accident forgiveness is available immediately and protects against premium increases for claims under $500. Large accident forgiveness won’t count larger claims against you, but it’s available only if you’ve been an accident-free Progressive customer for five years before any at-fault accidents.

• 

  Loan/lease payoff

  Progressive pays the difference between the total loss payout your insurer provides and the outstanding amount due on your car loan when the insurance payment won’t cover the full remaining loan balance.

Other options for Progressive customers

Progressive offers many additional coverages beyond auto insurance. This list shows other insurance products Progressive provides, often at competitive rates.

• Boat insurance: Boat insurance provides coverage against sinking, fire, theft, storms, collision, capsizing, explosion, and stranding.

• Condo insurance: Condo insurance covers owners against liability and damage to the unit or property inside.

• Homeowners insurance: Homeowners policies cover the dwelling, other structures, personal property inside the home, and homeowner liability.

• Life insurance: Life insurance provides a death benefit for surviving beneficiaries if someone passes away during the coverage term.

• Motorcycle insurance: Motorcycle insurance pays for bodily injury, damage to a motorcycle, attached sidecars, emergency roadside expenses, damage to protective gear, and trip interruption expenses.

• RV/trailer insurance: RVs, campers, and travel trailers are covered, and you can also choose to add a personal articles policy to cover items inside your motor home.

• Off-road vehicle insurance: Golf carts, ATVs, and other off-road vehicles are covered.

• Renters insurance: Renters insurance offers liability coverage and damage coverage for personal property inside a rental home.

How Progressive Snapshot works

Progressive customers may opt into Snapshot to earn discounts for safe driving. You can sign up when you buy your policy or by calling Progressive.

Snapshot is a usage-based insurance program. You’ll install an app or a plug-in device Progressive uses to monitor driving behaviors. Factors Progressive considers include:

• Time of day you drive

• How often you drive

• Sudden speed changes, such as rapid accelerations or hard braking

• How you use your mobile phone while driving

Motorists who exhibit safe behaviors will qualify for the best rates and often see premiums decrease. Riskier drivers may see their car insurance premiums increase at renewal.

Progressive insurance FAQs

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

• Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
• Property damage limits between $10,000 and $50,000
• No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

• Comprehensive coverage with a $1,000 deductible
• Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

1. Jdpower.com. "2023 U.S. Auto Insurance Study."
2. Naic.org. "Consumer Insurance Refined Search Results."
3. Office of Alameda County. "Press Release."
4. Trustpilot. "Progressive."
5. Better Business Bureau. "Progressive."
6. Ambest.com. "AM Best Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries."

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.