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Considering Progressive insurance reviews from customers, average cost data, industry standing, and more, we rate the company 4.6 out of 5.0 overall and name it Best for High-Risk Drivers in 2022.
Progressive is the nation’s third-largest automobile insurer and covers millions of drivers each year. However, Progressive insurance reviews vary. Our research shows that coverage can be a good option for drivers who are in their 20s and those with a DUI on their record.
To see how Progressive measures up to the best car insurance companies, we’ve combed through Progressive insurance reviews and investigated the company’s financial stability and insurance coverage options. We recommend comparing car insurance quotes from multiple companies to find the best option for you.
In this article:
Progressive Insurance Review
We rate Progressive 4.6 out of 5.0 stars because of its variety of car insurance coverage, valuable add-ons, and long history. If you can find a good rate, Progressive is a smart choice and is reliable when it comes to fulfilling covered claims, based on many positive Progressive auto insurance reviews. Below are the pros and cons of picking progressive insurance:
Pros and cons of Progressive Insurance
Progressive Pros Progressive Cons Good choice for high-risk drivers Average customer satisfaction Easy quotes process Higher rates than some competitors Superior financial strength rating from AM Best Nationwide availability
About Progressive Insurance
Progressive is one of the top auto insurers in the United States and wrote over $35.8 billion in insurance premiums in 2021, according to the National Association of Insurance Commissioners (NAIC).
Progressive has been around since 1937, but it continues to evolve with the times. Progressive auto insurance was the first insurance that people could purchase on the internet in 1997. The company was also the first to introduce a usage-based insurance option in 2008.
As one of the largest insurance providers in the industry, Progressive offers a number of coverage options. Unfortunately, Progressive auto insurance reviews tell us that the claims process is about average.
Progressive Insurance Rating
AM Best gives Progressive an A+ rating in financial strength, which means it has superior financial ability to meet insurance claims. According to our survey of 1,000 car insurance customers, 74 percent of Progressive customers are satisfied with the company.
How Much is Progressive Auto Insurance?
According to our rate estimates, good drivers pay about $134 per month or $1,611 per year for full coverage car insurance from Progressive. That’s about 7 percent cheaper than the national average rate. Based on data from our research, these are average prices for drivers of a few ages and listed genders plus different driving history profiles (applies to full coverage insurance):
Average Progressive Car Insurance Cost: Estimates By Driver Profile
Driver Profile Annual Rate Estimate Monthly Rate Estimate 25-year-old $1,934 $161 35-year-old $1,611 $134 Speeding ticket (35-year-old) $1,871 $156 DUI (35-year-old) $1,862 $155 Accident (35-year-old) $2,471 $206
And here’s how Progressive compares to a number of popular insurance companies:
Progressive Car Insurance Rates: Estimates By Provider
Car Insurance Company Annual Rate Estimate Monthly Rate Estimate USAA $1,054 $88 Erie $1,238 $103 Nationwide $1,280 $107 Geico $1,308 $109 Auto-Owners $1,337 $111 State Farm $1,481 $123 American Family $1,537 $128 Progressive $1,611 $134 Travelers $1,669 $139 Allstate $2,088 $174 Farmers $2,140 $178
Progressive Car Insurance Rates: Estimates By State
The state where you live can dramatically affect what you pay for Progressive insurance. This is due to a variety of reasons, including state regulations on insurance pricing, insurance requirements, and the population density of the state.
Here’s how Progressive’s average rate estimates compare to each state’s average estimates (where data was available). These full coverage estimates apply to 35-year-old drivers with good credit and clean driving records. You can see that Progressive is cheaper than average in some states but more expensive than average in others.
Progressive Liability Insurance Cost
According to our rate estimates, basic liability coverage from Progressive costs about $687 per year or $57 per month. This is slightly more expensive than the national average of $635 per year or $53 per month for minimum coverage.
Progressive Insurance Discounts
Progressive claims that drivers can save an average of $750 on their car insurance policies. To help you save, Progressive offers several discounts, stating that 99 percent of policyholders are eligible for at least one discount. Progressive’s discounts can benefit students, good drivers, young drivers, and more.
Progressive Discount Details Multi-Policy Discount Get a nearly 5% policy discount for bundling home and auto insurance or another of Progressive’s insurance products, such as renters insurance. Multi-Car Save about 12% if you have more than one car listed on your Progressive policy. Continuous Insurance Earn a discount if you are consistently insured with no gaps or cancellations. Teen Driver Receive a discount if you add a driver who is 18 or younger to your policy. Good Student Discount Save if you have a student on your policy who maintains a “B” average or better. Distant Student Discount Get a lower premium if the full-time student on your policy lives more than 100 miles from home and does not have a vehicle while away. Homeowners Earn 10% off if you are a homeowner. Online Quote Save about 4% if you get an online Progressive quote. Sign Online Save about 8.5% if you sign your documents online. Paperless Lower your payment by choosing to receive documents via email (only applicable in combination with the sign online discount). Pay in Full Save on car insurance by paying your six-month policy up front. Automatic Payment Get a lower rate by setting up automatic payments from your checking account. This discount cannot be combined with the pay-in-full discount.
Availability may vary by state. While some car insurance providers offer discounts to military members and their families, there is no Progressive military discount.
Beyond discounts, Progressive has many other ways for customers to save money on payments and deductibles.
Progressive Snapshot Discount
The safe driver discount program Snapshot tailors your auto insurance policy price to the way you drive. Progressive says most people with good driving habits get a $145 discount at the end of the Snapshot program. Good drivers can get discounts, but be aware that bad drivers may see their rates rise.
Progressive Accident Forgiveness
Accident forgiveness prevents your rates from rising after one accident. Progressive offers a few accident forgiveness options.
- Small accident forgiveness: This option forgives accidents with claim values under $500. New Progressive customers get this automatically in most states and can use it one time.
- Large accident forgiveness: This feature forgives one at-fault accident above a claim value of $500. It is included automatically for customers who have been with Progressive for at least five years and who haven’t had a claim in the last five years.
- Accident forgiveness benefit: You can also purchase accident forgiveness for a fee at any time. The benefit applies once per period. If you have loyalty-based forgiveness benefits, those will be used first.
Progressive Deductible Savings Bank
Progressive deductible savings bank is a policy add-on that you can select when purchasing a Progressive insurance policy. Progressive’s deductible savings bank earns you $50 toward your next deductible for every six-month period without an accident or ticket. The reduced deductible will apply at the beginning of each new policy period, and can even be reduced to zero. Those with policies on other vehicles such as motorcycles, RVs, or boats can use get the add-on and get 25% lower deductibles each year you don’t make a claim.
Progressive Auto Insurance Coverage
These are the main types of auto insurance you will find with Progressive and almost any other major provider:
- Bodily injury liability and property damage liability (BI/PD): Covers vehicle damage and medical bills for other people in accidents you cause
- Collision insurance: Covers your car in accidents you cause
- Comprehensive car insurance: Covers environmental damage, theft, vandalism, and damage from collision with stationary objects
- Medical payments (MedPay): Covers your medical bills
- Personal injury protection (PIP): Covers medical bills, lost wages, and funeral costs
- Underinsured/uninsured motorist coverage (UM/UIM): Covers your vehicle and medical bills if someone without enough insurance causes an accident
Additionally, Progressive offers a few extra types of coverage. These add-ons are among the reasons why Progressive insurance can be a smart choice for coverage.
Progressive Add-On Coverage Details Roadside Assistance This includes towing, lockout services, flat tire changes, and fuel delivery. Loan/Lease Payoff This coverage option will pay for the difference between your totaled car’s market price and the amount you have left on your loan. However, unlike gap insurance, it will only cover up to 25% of the current value of your car. Rental Car Reimbursement This covers about $30 to $50 per day for a rental car if your car has been in a covered accident. Custom Parts and Equipment Value This coverage option will pay for replacement items you’ve added to your car. For example, if you installed a $1,000 subwoofer and then got in an accident, this option would repair or replace it. Rideshare Insurance Many rideshare apps only offer extended coverage when you’re actually on a pickup or drop-off route, not when you’re waiting around on the app to get a trip. This Progressive auto insurance option extends your rideshare coverage for that period of time.
Does Progressive Cover Rental Cars?
Your progressive auto insurance policy does cover rental cars but has the same limits as your personal car insurance policy. This can be an issue if your car is old since your coverage might be less than what you need for a new car rental. Progressive offers supplemental liability protection, personal accident insurance, and personal effects coverage which can help cover rental car damages. Depending on your situation, you may want to opt into a collision damage waiver when you are renting a car to be safe.
Progressive Non-Owner Car Insurance
Progressive does offer non-owner car insurance and it can be a good investment for those who do not have access to a household car or those that borrow or rent cars often. Non-owner policies typically cost $576 a year and these policies can be used for proof of insurance for SR-22 or FR-44 forms for your state.
Temporary Car Insurance Progressive
Temporary car insurance is not offered by progressive and most reputable insurance companies do not offer insurance policies with terms less than 6 months. Progressive, like most insurance providers, offers policies at 6-12 month intervals.
Full Coverage Car Insurance Progressive
Progressive full coverage car insurance includes bodily injury liability, property damage liability, collision, and comprehensive insurance. Full coverage can also include underinsured and uninsured motorist coverage depending on your state. Additional medical coverage like MedPay or personal injury protection is optional.
How Long Does A Progressive Claim Take?
According to the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, auto claims take about 10 days on average to resolve. Progressive came in 17th place out of 18 companies in the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, so claims may take longer than average. That said, we found 29 percent of Progressive claims took longer than four weeks to be resolved in our consumer survey.
How To Cancel Progressive Car Insurance
To cancel a Progressive car insurance policy, you need to contact an agent or customer service representative by phone, email, or mail. You can cancel your policy effective on that same day or schedule a cancellation in the future.
Progressive Insurance: Additional Coverage Options
Progressive does not just offer car insurance policies and offers a variety of coverage options for home and life insurance. Below we go into more detail about their history in each category and coverage options you can choose from.
Progressive Homeowners Insurance
According to the NAIC, Progressive is the tenth-largest home insurance provider in the country. Progressive home insurance offers dwelling coverage that can pay for damage from severe weather, fire, falling trees, and more. Loss of use coverage can pay for living expenses after a covered event. Other options include liability and personal property coverage.
Progressive Life Insurance
Progressive also offers a variety of life insurance options to cover different situations. You can get term and whole life insurance policies plus other options like short-term life insurance or final expense insurance.
Other coverage options include:
- Business insurance
- Motorcycle insurance
- Condo insurance
- Renters insurance
- Travel insurance
Progressive Insurance Customer Reviews
While many people find affordable premiums with Progressive, Progressive reviews are mixed in terms of customer satisfaction, which is common with insurance providers. Progressive has an F rating from the Better Business Bureau (BBB) at this time for not responding to some complaints. Below are some positive reviews and complaints relating to Progressive’s services.
Positive Progressive Insurance Reviews
Happy Progressive customers mention patient and helpful agents and a quick claims process. Here are a couple of Progressive insurance reviews from the BBB.
“I was in car accident and was treated with great care and respect. I got the coverage I was due in a timely manner. And I can’t say enough about the representative in Fort Collins, C.O. who was incredibly kind and helpful.”
– Karen G. 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. There was a minor error with getting the correct address information for our bank, which was quickly adjusted.”
– Sandy Z. via BBB
Progressive Insurance Complaints
Some Progressive customers have complained about Progressive insurance costs. One reviewer was mistakenly overcharged and expressed annoyance that it took over a week until they were reimbursed. Progressive insurance reviews show that mistakes are inevitable with large insurance companies. The best auto insurance companies work to resolve such issues as soon as possible.
“I had a policy for Progressive. It was overpriced, and [the company’s] customer service was awful and unprofessional. I found a different company that offered more and better coverage with amazing customer service for a fraction of the cost.”
– Stephanie S. via BBB
“Progressive took out payment from my bank account after I had already made a payment. After I called and explained that the money they took was my rent money and I would need it back as soon as possible, they told me that there was nothing they could do and I would have to wait 12 business days for a refund and offered no apology.”
– Jennifer T. via BBB
Progressive has closed over 1,000 complaints posted to its BBB page in the last year. While this may sound like a lot, keep in mind that the insurer manages millions of policies, so the number of complaints filed with the BBB is less than 0.1 percent.
Progressive makes an effort to address each of these complaints in a timely manner. However, it did not address a number of complaints in time, which is why it currently has an F rating from the BBB.
Progressive Snapshot Reviews
Progressive Snapshot has a 4.5 out of 5.0 rating on the App Store based on more than 4,000 reviews. On Google Play, the app has a rating of 3.9 out of 5.0 based on over 10,000 reviews. These are high scores compared to similar apps offered by other insurers.
Progressive Insurance Apps
Progressive’s website is a step ahead of the competition with the Name Your Price tool and a price comparison tool that lets you compare rates between insurance companies. Name Your Price doesn’t necessarily save you money, but it lets you quickly see a plan configuration that fits your budget. When you input your desired payment, you will receive coverage recommendations that suit your budget, which can certainly save you time.
Progressive Snapshot App
With Snapshot, you can download a mobile app or receive a plug-in device in the mail and drive normally for six months while it tracks your habits. Depending on your driving, your car insurance rate could go down. However, some people see their Progressive rates go up, so that’s something to consider.
Progressive Auto Insurance Reviews: Conclusion
Our team rated Progressive Insurance 4.6 out of 5.0 stars for its many insurance options, valuable add-ons, and extensive company history. Progressive is a reliable option for insurance and has a good history of filling claims. They also have an easy quote process and are available nationwide making it easy to get coverage. Progressive Insurance is a great option, but we urge you to shop around and compare options to find the best deal for you.
Progressive Auto Insurance Competitors: Top Picks
While we highly recommend Progressive, it’s always smart to get auto insurance quotes from a couple of providers before signing up for a policy.
We recently compared the industry’s most popular car insurance companies and found Progressive, USAA, Geico, and State Farm to provide the best value. USAA offers excellent auto insurance for military members and veterans, Geico has great ratings across the board, and State Farm provides a positive customer service experience during quotes and claims.
Read our comprehensive USAA auto insurance review, Geico auto insurance review, and State Farm auto insurance review to see how these companies compare to Progressive.
Progressive Car Insurance Reviews: FAQ
Our cost analysis shows Progressive car insurance is about 7 percent cheaper than the national average for good drivers. However, the rates you find from Progressive depend on many factors and may be higher than rates from other companies.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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