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Progressive Insurance Reviews, Coverage, & More (2022)

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

Car driving down the road
Progressive Auto Insurance
In Our Opinion:
As a household name, Progressive offers auto, motorcycle, and recreational vehicle insurance in all 50 states. The company sells unique coverage options in addition to its standard suite of products, but price inconsistencies and negative customer service reviews may deter drivers. We’ve named Progressive “Best for High-Risk Drivers” because of its low-cost plans for drivers with DUIs or DWIs on record.
Industry Standing
95
Availability
100
Coverage
95
Affordability
90
Customer Service
90
Online Experience
100
Pros
Online Experience
Usage-based plans available
Safe driving reward discounts
Teen/student discounts
Special coverage options (roadside assistance, rideshare coverage, etc.)
Cons
Rate increases/higher premiums
Average customer service ratings
95

Progressive is one of the most well-known auto insurance companies in the U.S. But we wanted to see how the provider measured up against the country’s best car insurance companies. So we took a deep dive into the company’s policies, rates, industry reputation, and customer ratings for this Progressive insurance review. 

Read more to learn what our expert review team found out about the provider. You can use what you find to see if Progressive seems like a good choice for you and your needs.

About Progressive 

Since opening its doors in 1937, Progressive has become one of the biggest car insurance companies in the U.S. The company wrote more than $40 billion in insurance premiums in 2020, according to the National Associations of Insurance Commissioners (NAIC).

Progressive earned an “excellent” A financial strength rating from AM Best, indicating a strong ability to pay out insurance claims. and the company received an A+ rating from the Better Business Bureau (BBB).

The company has been an innovative force in the insurance industry. In 1997, Progressive auto insurance was the first insurance product that was available for purchase over the internet. It was also the first insurer to offer usage-based insurance, beginning in 2008.

Progressive Car Insurance Pros and Cons 

Progressive Pros Progressive Cons
Affordable rates for drivers with a DUI Lower than average rating in J.D. Power shopping study
Deductible savings program Higher premiums than many competitors
Superior AM Best rating

Progressive Insurance Cost

According to our rate estimates, Progressive is one of the most affordable providers overall. Good drivers can find full coverage rates at around $1,397 annually, which is cheaper than the national average of $1,732.

Our rate estimates apply to full coverage insurance for 35-year-old drivers with good driving records and credit scores. However, we also compared rate estimates for other driving profiles and found that Progressive is affordable for young drivers, people with poor credit, and drivers with a recent accident or DUI.

Progressive Auto Insurance Cost Comparison

Here’s how Progressive compares to a variety of popular insurance providers in 2021:

Car Insurance Provider Average Annual Cost Estimate
USAA $1,113
Erie Insurance $1,113
Auto-Owners $1,229
State Farm $1,339
Geico $1,352
Progressive $1,397
Nationwide $1,533
Travelers $1,617
National Average Cost $1,732
Farmers $2,032
The Hartford $2,166
Allstate $2,430

Progressive Insurance Cost By State

Of course, what you pay depends on where you live to a large degree. Drivers in some areas can shell out hundreds of dollars more than drivers in other areas just because of location. Here’s how Progressive compares to the average rate for good drivers in each state and Washington, D.C.:

State State Average Cost Estimate Progressive Cost Estimate
Alabama $1,448 $1,385
Alaska $1,287 $1,307
Arizona $1,625 $1,277
Arkanksas $1,449 $1,478
California $2,339 $1,709
Colorado $1,672 $1,426
Connecticut $1,885 $1,296
Delaware $1,921 $1,268
Washington, D.C. $1,787 $1,741
Florida $2,894 $2,393
Georgia $1,548 $1,418
Hawaii $1,238 $1,500
Idaho $1,089 $890
Illinois $1,474 $1,158
Indiana $1,087 $1,041
Iowa $1,095 $1,054
Kansas $1,364 $1,320
Kentucky $1,817 $1,326
Louisiana $3,828 $2,944
Maine $995 $976
Maryland $1,941 $1,474
Massachusetts $2,568 $3,054
Michigan $4,390 $1,682
Minnesota $1,487 $1,823
Mississippi $1,357 $1,335
Missouri $1,741 $1,521
Montana $2,214 $1,412
Nebraska $1,372 $1,446
Nevada $2,332 $1,486
New Hampshire $1,181 $752
New Jersey $2,108 $1,326
New Mexico $1,356 $1,325
New York $3,964 $1,310
North Carolina $1,277 $1,398
North Dakota $1,310 $988
Ohio $923 $947
Oklahoma $1,630 $1,494
Oregon $1,284 $1,068
Pennsylvania $1,405 $1,501
Rhode Island $1,923 $1,670
South Carolina $1,592 $1,192
South Dakota $1,331 $1,622
Tennessee $1,217 $1,055
Texas $2,067 Data not available
Utah $1,446 $1,090
Vermont $1,013 $1,627
Virginia $1,079 $913
Washington $1,271 $867
West Virginia $1,390 $1,221
Wisconsin $946 $771
Wyoming $1,499 Data not available

Progressive Auto Insurance Cost Factors

There’s more to your car insurance rates than where you live. Like all providers, Progressive determines your rates based on a few different variables about you and your vehicle.

Here are some of the factors Progressive uses to calculate your rates:

  • Coverage options: Policies that only satisfy your state’s minimum insurance requirements will be the least expensive. Additional coverage will add to your premiums.
  • Coverage limits: The amount of coverage you have in your policy is also a major factor. Again, the state minimums will be your cheapest option. But they’ll also leave you exposed to financial risk.  
  • Deductible: You can also choose your deductible. But the lower that deductible is, the higher your premium will be.
  • Driving record: Drivers with clean records get the lowest rates. If you have any at-fault accidents or violations, you’ll pay more for coverage.
  • Age: Teen drivers pay the highest rates for car insurance. Seniors also tend to pay higher rates than middle-aged drivers.
  • Credit history: The higher your credit score is, the lower your rates will be in most states. But some states have made it illegal to adjust your rates based on your credit report.
  • Location: While it’s true that rates vary between states, they also vary within states. Drivers in rural ZIP codes tend to pay less than those that live in urban areas.

Progressive Insurance Discounts

Adding a teen driver to your existing plan can drive costs up significantly, but putting them on their own plan may increase their rates by 365 percent, so you might consider adding them on anyway. 

With Progressive, households can add teen and student drivers to their plans without too much penalty. College students with good grades are entitled to generous discounts, which makes Progressive a nice option for younger drivers. 

Here are some of the discounts Progressive offers to help you save money:

  • Multi-car discount: If you insure more than one vehicle under the same policy you’ll get a policy discount.
  • Pay in full discount: Paying your premium in full as opposed to month-to-month can net you a discount on your premium.
  • Sign online discount: You can get a discount on your policy by signing up for it online.
  • Teen driver discount: Adding a teen driver can send your rates through the roof with most providers, but Progressive offers a discount to help keep coverage affordable when you add one to your policy.
  • Multi-policy discount: Bundling your Progressive home insurance policy or other select insurance products with your auto coverage can get you an overall discount.
  • Safe driver discount: Signing up for the Snapshot telemetrics program and maintaining safe driving habits can get you a discount from Progressive.
  • Homeowner discount: Progressive offers a discount to drivers who own their home.
  • Online quote discount: If you request a quote through the Progressive website you can get a discount on your premiums.
  • Good student discount: Progressive offers a discount to students, who typically pay high rates for car insurance, if they maintain good grades.
  • Distant student discount: If you keep a driver who is in school more than 100 miles away from home and who doesn’t have their own vehicle there on your policy, Progressive can lower your premium.
  • Paperless billing discount: Getting your bills delivered online instead of through the mail can get you a discount on your policy.
  • Automatic payments discount: You can save on your premiums by signing up for an autopay program.
  • Continuous insurance discount: Progressive also offers discounts to drivers who go for extended periods of time without any gaps in coverage, regardless of who their insurer was before.

Snapshot®

Progressive is one of many insurance companies that offers a telematics program. Snapshot uses a mobile app to monitor your driving habits. The program rewards you for safe driving habits by lowering your premiums.

However, it can also raise your rates if you drive in ways that the company considers unsafe. And from Progressive insurance reviews at the Better Business Bureau (BBB) website, it appears that it did for at least a few drivers. Several reviewers said that the tracking is overly sensitive and unfair.

Deductible Savings Bank®

The deductible savings bank is a unique program from Progressive. Every time you finish out a six-month policy term without any violations or accidents, you’ll get $50 put into an account. You can use these funds towards your next deductible payment.

Progressive Insurance Coverage Options

According to data from the Insurance Information Institute, 77 percent of drivers purchase comprehensive coverage and liability insurance, and 73 percent of drivers also purchase collision insurance. There are many more types of auto insurance plans, and Progressive auto insurance policies have extra coverage options drivers may not easily find elsewhere. 

Progressive car insurance plans include: 

  • Bodily injury liability coverage: Covers medical expenses, lost wages, and other expenses related to an injury resulting from a car accident that you caused.
  • Property damage liability coverage: Covers damage to other drivers’ cars and other property in an accident for which you’re found at fault.
  • Comprehensive coverage: Protects your vehicle from fire, theft, vandalism, animals, weather, and broken glass
  • Collision coverage: Covers repairs and replacements to your vehicle in the event of a collision, regardless of who is at fault
  • Uninsured/underinsured motorist coverage: Covers medical expenses and vehicle damage expenses if you are in an accident with an uninsured driver
  • Medical payments: Covers medical bills related to a personal injury for yourself and any passengers after an accident, regardless of fault

Progressive Insurance Add-Ons

Progressive also offers the following car insurance coverage add-ons:

  • Rental car reimbursement: If your accident is covered, Progressive will provide up to $50 per day for a rental.
  • Loan/lease payoff: This insurance option helps you pay the remaining balance of your loan or lease if you total your vehicle, similar to GAP insurance
  • Complementary pet coverage: Progressive auto insurance covers your vet bills up to a certain amount if your pet is injured in a collision. 
  • Custom parts and equipment value: CPE coverage insures items you add to your vehicle, such as GPS units or custom wheels, up to a certain amount. 
  • Roadside assistance: Towing is provided for free to the nearest mechanic (within 15 miles). Drivers also get lock-out services, flat-tire changes, fuel deliveries, and more. 
  • Rideshare coverage: Unlike some plans that only extend coverage to Uber and Lyft drivers once they’ve accepted a ride, Progressive’s rideshare insurance covers drivers while they’re waiting for a customer.
  • Accident forgiveness: If you choose to add accident forgiveness or it is included in your Progressive policy, your rates won’t go up after one accident. Progressive offers both small accident and large accident forgiveness programs.

Other Progressive Insurance Products

In addition to auto insurance, Progressive offers a wide range of other types of coverage:

  • Health insurance
  • Life insurance
  • Renters insurance
  • Homeowners insurance
  • Travel insurance
  • Pet insurance
  • Wedding and event insurance
  • Insurance for driving in Mexico
  • Phone and device insurance
  • Mobile home insurance
  • ID theft insurance
  • Dental and vision insurance
  • Classic car insurance
  • Condo insurance
  • Flood insurance
  • Business insurance
Progressive insurance reviews for its Snapshot program show that it tracks behavior like this man looking at his phone while driving a car.
Safe driving can earn you a discount on Progressive auto insurance. Track your driving on Progressive’s Snapshot mobile app.

Progressive Auto Insurance Quotes

Progressive offers car insurance quotes online through multiple quote engines. In our experience, the quote process takes no more than five minutes and gives multiple pricing and plan options with deductible estimates. 

Because Progressive markets itself as more affordable than competitors, its website offers a tool to compare rates with other car insurance providers. Enter your information as you normally would for a free quote and see Progressive’s plans and rates. Then, click on the compare rates tool to get a listing of similar plans and prices from other insurers.

Progressive Name Your Price® Tool

You can also use the Name Your Price tool to enter your budget and get plans based on how much you are willing to pay. First, you will need to provide your basic information so that Progressive can find coverage that suits you.

Then, you may use the tool to enter your desired premium amount. Progressive will provide you with plans within your price range. 

Progressive Claims Process & Customer Service 

Customers have two options when filing a Progressive auto insurance claim: get their vehicle repaired or receive a payment for the estimated cost of the repairs. Either way, customers can easily make a claim through Progressive’s mobile app, online, or by calling the number for the claims department. 

Once the claim is made, an inspector will come to evaluate the damage and write up an estimate for the cost of repairs. You will receive payment directly or your claims representative will schedule repairs through a network repair facility. You will be responsible for your predetermined deductible. 

Total Loss Claims

Claiming a total loss, however, is a different process. If repairs would cost more than the value of your vehicle, then an inspector will determine your vehicle is a total loss. This process requires more paperwork, but you will be paid for the value of your vehicle. 

Though the claims process is an easy one, Progressive auto insurance reviews are lackluster when it comes to customer satisfaction and claims settlements. In the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, Progressive auto insurance reviews rank it well below competitors like USAA, GEICO, Nationwide, and Farmers. Customers have reported unfair claims denial and rated their claim representative’s servicing as just average.

However, Progressive has an A+ financial strength rating from AM Best, indicating the company has superior financial strength to meet claims obligations.

Progressive Mobile App 

Technology has grown in importance as many consumers manage a greater number of accounts through apps and online portals. Progressive’s mobile app is a one-stop shop for making claims, checking your auto insurance policy, and getting assistance in emergency situations. 

With the app, you can: 

  • Report a claim
  • Get a free quote
  • View coverage for all drivers
  • Request roadside assistance
  • Shop for Progressive products
  • Send photos of vehicle damage
  • Get status updates on claims and repairs
  • Pay bills using a credit/debit card or checking account

Additional highlights include the ability to use Google or Apple Pay and offline viewing of your car insurance ID card. The app is secure and encrypts all personal information for user safety. 

Progressive Insurance Reviews

Progressive’s online platform makes it easy to enroll in auto insurance, and the marketed discounts provide a strong incentive to purchase coverage. We like Progressive’s online experience and coverage options, but sometimes customers may feel misled on rates and what is actually covered. 

Here are some Progressive insurance reviews from real-life customers. 

Positive Progressive Insurance Reviews

In many of the positive Progressive insurance reviews we saw, a common theme was smooth, efficient customer service.

“Online insurance. You can only expect so much. This is a business working to a high level of efficiency. I got what I expected – fast and easily update-able policies, lots of notifications, low prices, and great service.”

– Benjamin B. via Trustpilot

“[Progressive’s] robot customer service rep was spot-on, no repeating myself. Transfer to an actual person was quick and smooth.”

– Anonymous via ResellerRatings

Negative Progressive Insurance Reviews

On the other hand, many of the less favorable Progressive insurance reviews we read complained about the company’s high prices.

“Progressive has a lot of publicity, but their auto insurance prices are high. I was with them for a year, because it has good accessibility in their online platforms. When I applied to other insurers, I realized [Progressive’s] costs were high. Now, I have insurance with a better offer, and I pay less than half.”

– Gabriel R. via Trustpilot

Customers shopping for car insurance should beware of rate increases and quote inaccuracies, as Progressive car insurance reviews mention instances of rate changes.

Progressive Insurance Complaints

Overall, Progressive receives an average number of complaints, according to the National Association of Insurance Commissioners (NAIC). The NAIC gives Progressive a company complaint score of 1.1. A score of 1 indicates an average number of complaints, and scores above 1 represent higher-than-average complaint volume. A score of 1.1 suggests Progressive is only slightly above average when it comes to the volume of complaints.

Conclusion: 95% – Best for High-Risk Drivers

Based on our research and Progressive insurance reviews, we found Progressive offers the best coverage for riskier drivers, including teens and students, which is a major benefit for some households. Easy enrollment and account management are possible with an excellent online experience. However, many customers have only average claims experiences and therefore may not receive the coverage they expected. 

For a better overall experience, you might consider GEICO car insurance (Best Overall) or State Farm car insurance (Best for Student Drivers), which we rate at 96 percent and 95 percent, respectively. However, we give Progressive a 95 percent overall rating as well.

FAQ

How do you cancel Progressive car insurance?

There is only one way to cancel Progressive car insurance and unfortunately, you can’t do it online. To cancel your Progressive coverage, take the following steps:

1. Call the Progressive customer service phone number at 1-866-416-2003.
2. Specify the effective date of the cancellation.
3. Provide the name of your new insurance provider, if you have one.
4. Ask if you are eligible for a pro-rated refund for any premiums you may have paid in advance.

How long does a Progressive claim take?

Progressive says that claims usually take seven to 14 days to process. However, actual repairs to your vehicle may take much longer than that, depending on the damage and the repair shop.

Does Progressive pay well on claims?

According to the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, Progressive underperformed when it came to claims satisfaction. The provider scored below several of its top competitors in the study.

Does Progressive cover high-risk drivers?

Progressive was one of the first car insurance companies to cover high-risk drivers. Today, the company is still one of the best when it comes to offering affordable coverage to drivers with recent at-fault accidents, moving violations, or DUIs.

What bank does Progressive Insurance use?

Progressive uses Commerce Bank to pay its claims. This arrangement allows the company to pay out claims in real-time to debit cards or prepaid cards, rather than have customers wait for a check in the mail.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

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