Review of Progressive Insurance

Progressive Auto Insurance

Progressive auto insurance quotes comparison

Across most driver profiles, Progressive rates are near competitors’ averages. However, Progressive has the best rates for drivers with past accidents. We found that Progressive’s auto insurance rate is $456 cheaper than the next most affordable option for drivers with a previous accident. On the other hand, young drivers will likely find Progressive’s rates to be on the high end. Their quotes for an 18-year-old driver were the second least affordable rates for our sample .

Average cost of Progressive's auto insurance compared to its competitors
Average cost of Progressive's auto insurance compared to its competitors

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Insurer

18 year old male

42 year old couple with accident

81 year old female

Progressive$3,788$1,523$1,260Allstate$3,335$1,979$1,839State Farm$3,131$2,071$1,019Farmers$4,021$2,055$1,016

Progressive auto insurance coverage options

Progressive offers all the auto insurance coverages you’d expect from a national insurance company. However, it does also provide a couple of unique coverages, such as pet injury coverage and custom parts and equipment value coverage.

Pet Injury: If your dog or cat is injured in a car accident, Progressive will pay for any veterinarian bills associated with the accident. The coverage is part of your collision insurance, meaning that you would have to pay the deductible of your policy to be able to file a claim. If you have a pet, it’s possible that you already have pet insurance, but the deductible for Progressive’s pet injury coverage may be less than the deductible on your pet insurance policy, which could save you money.

Custom Parts & Equipment Value: If you enjoy customizing your vehicle with aftermarket parts, consider adding this endorsement. Progressive provides $1,000 of coverage for accessories and custom parts like stereos, navigation systems and grilles under both collision and comprehensive coverage. You can purchase coverage beyond $1,000 separately from Progressive.

Gap Insurance: If you’re involved in an accident, your collision policy will typically only cover the cost of your car up to its actual cash value, which may be less than what you owe on a loan or lease. Gap insurance is meant to cover you for the difference between the balance on a loan or a lease and your car’s value. Progressive limits its gap insurance coverage to 25% over a vehicle’s actual cash value. However, the endorsement is worth it if you recently purchased a new car, as Progressive’s average customer pays only $5 a month for it.

Rental Reimbursement: If your car is involved in an accident, this endorsement will reimburse you for the cost associated with renting a vehicle while your car is being repaired. The endorsement is only valid for 30 days, and coverage limits range from $30 to $50 a day.

Standard Coverages Offered Through Progressive

  • Liability coverage
  • Medical payments
  • Uninsured/Underinsured bodily injury
  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist property damage

Progressive’s auto insurance discounts

Progressive provides a standard set of discounts to its policyholders, but it also offers its unique Snapshot program. While the program isn’t a discount itself, customers can achieve discounts by partaking in the program.

Discount

How to qualify

Start Your Quote OnlineReceive this discount when you begin the quote process online and then purchase on the phone.Safe DriverReceive a discount when you go three years without any tickets or accidents.MulticarReceive a discount when you insure multiple vehicles with Progressive.HomeownerYou’re eligible for a discount if you own a home, even if it’s not insured with Progressive.Continuous InsuranceMaintain car insurance coverage with no gaps or cancellations. This discount is valid even if you were insured with another company.Sign Documents OnlineSign your insurance documents online when purchasing a policy.Pay in FullPay the total cost of your policy upfront instead of paying monthly.

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Highlight Discount: Progressive Snapshot

Progressive Snapshot is a device (and now a mobile app) that tracks your driving habits for the purposes of unlocking an auto insurance discount. You can sign up for the program either when you start the policy or at any point in the duration of your policy. You can either plug the Snapshot device into your car’s diagnostic port or download the mobile app to your phone. Progressive will then track information like your mileage, braking habits and time of the day you drive.

Drivers who show safe habits will receive discounts on their premiums. However, your rate can also increase if Snapshot indicates you’re an unsafe driver. Progressive says that 2 out of every 10 drivers receive an increase to their premiums rather than a discount. You’ll get an automatic discount, an average of $25, just for signing up. After you complete the program, which usually takes six months, you’ll get another discount that averages $130.

Auto insurance take-away: Progressive is one of the largest auto insurance companies in the U.S., serving 9% of the auto insurance market in terms of premiums underwritten. Its large size allows the company to offer discounts, coverage options and rates that are comparable to other large national insurance companies.

Experienced drivers and drivers who have had previous accidents are likely to find solid auto insurance rates with Progressive. People who drive conservatively will also most likely find the best rates with Progressive, thanks to the Snapshot program. If that’s not you, you’d likely find better rates and service elsewhere.