Progressive Auto Insurance Review: Quotes and Service (2022)

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score

74

5 /5

discounts

4 /5

complaints

3 /5

satisfaction

4.5 /5

stability

2.1 /5

affordability

pros

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Available in 48 states

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Has multiple discounts like bundling, multiple car, good student, safe driving, pay-in-full and paperless

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Offers unique coverages like custom parts and equipment (CPE)

cons

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Expensive for young drivers

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Missing common discounts, including anti-theft system, defensive driving and airbag

Verdict

Progressive offers excellent discounts and has above-average scores for complaints and financial stability. But, the company has an average score for customer satisfaction. Generally, Progressive’s rates are neither cheap nor expensive for most drivers but are expensive for young drivers.

If you want more information on Progressive and other insurance providers, MoneyGeek has resources on the cheapest and best car insurance companies in the country. You can also check MoneyGeek’s comparison tool to see how Progressive stacks up against other auto insurers.

How Does Progressive Rank for Customer Service?

To evaluate insurance companies, MoneyGeek uses data from several reputable sources, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). Based on information from these sources, Progressive auto insurance is ranked third in MoneyGeek’s top 10 list of the best car insurance companies in the country.

Customer Satisfaction Rating

First Notice of Loss:

3 /5

Estimation of Process:

3 /5

Repair Process:

4 /5

Claims Servicing:

3 /5

Rental Experience:

5 /5

Settlement:

3 /5

According to data provided by J.D. Power, Progressive earns a customer satisfaction rating of 832 out of 1,000 points. The industry average score is 835, so Progressive's reputation in this area is roughly equivalent to a typical insurer. J.D. Power's data also informed these star ratings, showing how Progressive performs in several specific categories.

Customer Complaint Ratio

Progressive

The NAIC catalogs user complaints and issues a Company Complaint Index comparing the median number of complaints against a company with the national median of 1.00. A score higher than 1.00 indicates higher customer complaints than average. Progressive gets a score of 1.33, indicating a slightly higher customer complaint rate than the national median.

Progressive Auto Insurance Quotes: How Much Does it Cost?

MoneyGeek collected Progressive quotes for sample drivers across the 48 states where it sells auto insurance. The information MoneyGeek collected was averaged and found that Progressive is neither cheap nor expensive, with an average cost of $1,381 per year.

Progressive has moderately-priced auto insurance costs for drivers with minimum or full coverage or a driver with a traffic violation. However, Progressive is expensive for young drivers or teens.

Although it’s best to compare policy rates between companies, price shouldn’t be the only factor you consider when you want to find the cheapest car insurance policy. It’s also worth deliberating factors like customer satisfaction and financial stability.

Average Annual Cost of Car Insurance with Progressive versus National Average

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  • Driver Type

    Progressive Average Rate

    National Average

  • Full Coverage

    $1,381

    $1,390

  • Minimum Coverage

    $724

    $739

  • Speeding Ticket on Record

    $1,964

    $1,819

  • 18-Year-Old Driver

    $5,990

    $4,905

Is Progressive Car Insurance Expensive or Cheap? Why?

Progressive is neither cheap nor expensive regardless of your coverage level (minimum or full coverage) or if you have a speeding ticket — unless you're an inexperienced driver. Progressive’s auto insurance rates for young drivers are expensive, potentially because teenage drivers generally lack experience and are therefore considered risky.

Insurance companies’ methods for calculating insurance premiums aren’t transparent. But like several insurers, Progressive does charge more if you’re a young driver; but is not as harsh as many for traffic violations.

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Discounts Offered by Progressive That Can Help You Save

Discounts can help make your auto policy with Progressive more affordable, even if you are a young driver. Progressive provides many common discounts, including multiple car, good student, bundling, safe driving, pay-in-full and paperless, but is missing others, like anti-theft system, defensive driving and airbag discounts that many auto insurance providers offer.

Progressive does have discounts that other auto insurance companies rarely offer, like the continuously insured, where you can receive a discount if you haven’t had a lapse in coverage, and the internet discount that gives you a lower rate for getting a quote online. The internet discount coupled with the sign-up online discount is great for young drivers who like to use their smartphones/tablets to manage their affairs.

Compare Progressive Directly With Other Car Insurance Companies

MoneyGeek has several resources that can help you compare Progressive to other major insurance companies in your area. Check out our comparison tool to find resources on other insurers and also see how Progressive compares in terms of customer service, affordability and standout coverages against other insurance providers.

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Does Progressive Offer Broad or Unique Coverage?

Progressive has standard coverages like liability, comprehensive and collision insurance, similar to all auto insurance companies. Its add-on coverage options are great — they include deductible modification, roadside assistance, rental car and/or travel reimbursement, gap insurance and accident forgiveness, but new car replacement and better car replacement are not available through Progressive.

With Progressive, you can get custom parts coverage, a useful coverage that many auto insurance providers don’t offer. Also called custom parts and equipment (CPE) coverage, you can have certain added car accessories covered, including a navigation system, stereo or custom wheels, even if the original manufacturer did not install it. You usually have a $5,000 limit with CPE coverage. Custom parts and equipment coverage is great for drivers who have a customized car — it even covers paint jobs.

What Online Auto Insurance Tools Does Progressive Offer?

While shopping for car insurance, it’s important to look at coverage options and special features to assess what’s right for your needs. Progressive brings several coverage options and features to the table, including the Snapshot program that rewards safe drivers, free bundled pet injury coverage and several ways to get quotes, including an innovative Name Your Price tool.

  • Type of Feature

    Description

  • Calculators

    Calculate your rates by entering your information or current coverage level.

  • Online Price Quotes

    Progressive’s website and mobile app have multiple options to get quotes, including a Name Your Price tool.

  • Online Bill Pay

    Easy online bill payment through the mobile app and company website.

  • Online Claims

    Claims can be filed online using the website or mobile app.

  • Mobile App

    Allows customers to get quotes, report claims, manage policies and request roadside assistance.

  • Financial Advice

    The Progressive website gives customers a handy comparison tool to compare policies and premiums.

Other Progressive Insurance Products

Progressive offers several other insurance products, including homeowners and renters insurance, commercial and recreational vehicles insurance, classic car insurance, and health insurance. Bundling these together could help you save money and get lower rates.

  • Type of Product

    Description

  • Homeowners Insurance

    Includes dwelling insurance, loss of use coverage, liability insurance and more. Customers can also include coverage for other structures, medical cost coverage and optional coverage for legal costs.

  • Renters Insurance

    Includes personal property protection, loss of use coverage and personal liability insurance. The Enhanced Coverage package also includes personal injury protection at a small added cost.

  • Life Insurance

    Comprehensive life insurance options that provide a death benefit to a loved one.

  • Classic Car Insurance

    Offers insurance for classic cars, sports cars and exotic cars with value up to $150,000.

  • Recreational Vehicle Insurance

    Covers a range of recreational vehicles like motorcycles, golf carts, RVs, trailers, snowmobiles, boats and Segways.

Financial Strength

The AM Best Financial Strength Rating is an indicator of the financial strength of a company and reflects its ability to pay claims. While this is not a warranty for policyholders, a financially sound provider is more likely to pay genuine claims without issues. Progressive gets an excellent score of A+ on this metric, reflecting its good fiduciary strength.

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How to Make a Car Insurance Claim With Progressive

Customers can make a car insurance claim through the Progressive website, mobile app or claims phone line. Once you have a claim in place, you can track it online.

Contact Progressive Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.