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Progressive Car Insurance Reviews

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We rate Progressive car insurance a 4.4 out of 5.0 and name it Best for High-Risk Drivers in 2023 due to its low rates and extensive coverage offerings.

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
Availability
Coverage
Affordability
Customer Service
Online Experience
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
4.4

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 and cheapest car insurance companies. So we took a deep dive into the company’s policies, rates, industry reputation, and customer ratings for this Progressive car insurance review.

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Progressive Insurance Reviews

We gave Progressive a 4.4 out of 5.0 rating due to its industry standing, availability, coverage, affordability, customer service, and online experience. Since Progressive provides affordable rates for high-risk drivers and several unique car insurance coverage offerings, we named it “Best for High-Risk Drivers” in 2023.

Review CategoryRatings Score
Industry Standing4.0
Availability5.0
Coverage4.4
Affordability4.4
Customer Service4.3
Online Experience4.8
Overall Rating4.4

Is Progressive a Reputable Company?

Yes, Progressive is a reputable insurance company for drivers who want an array of coverage options at affordable rates. After researching the best car insurance companies in the industry, we found that Progressive tends to be one of the most affordable insurers for high-risk drivers and those with a good driving record, making it a great car insurance company overall.

Pros and Cons of Progressive Auto Insurance

Here’s a look into the pros and cons of Progressive car insurance:

Progressive ProsProgressive Cons
Affordable rates for drivers with a DUILower than average rating in the J.D. Power Shopping Study
Deductible savings programHigher premiums that many competitors
Superior AM Best rating

Progressive Insurance Ratings

Progressive has very solid ratings within the insurance industry. The company earned an 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).

Progressive Auto Insurance Customer Satisfaction

In 2022, our editorial team conducted a nationwide car insurance survey polling nearly 7,000 people to find out their overall satisfaction with their car insurance provider. Of those who participated, 17% reported they had a Progressive car insurance policy. The overall customer satisfaction rating given to Progressive by those respondents was 4.1 out of 5.0, just below the insurance company industry average.

Progressive Claims

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 2022 U.S. Auto Claims Satisfaction StudySM, Progressive auto insurance reviews rank it well below competitors like USAA, GEICO, and State Farm. Customers have reported unfair claims denial and rated their claim representative’s servicing as just average.

Progressive NAIC 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.

Progressive Customer 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.

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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 $35 billion in insurance premiums in 2021, according to the National Association of Insurance Commissioners (NAIC).

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

Coverage Options

Progressive offers the standard types of auto insurance coverage as well as extra coverage options drivers may not easily find elsewhere.

Progressive car insurance plans include: 

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments (MedPay) coverage

Additional Policy Add-Ons

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

Average Rates

According to our Progressive rate estimates, the company is one of the most affordable providers overall. Good drivers can find full coverage rates at around $134 per month or $1,611 annually, which is cheaper than the national average of $1,730.

YouTube video

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.

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

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 auto insurance 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.

Available Discounts

We found that Progressive offers some of the best rates for teens, people with DUIs, and other drivers in the high-risk category. However, the company also offers discounts to bring those costs down even further.

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

  • Multi-car discount
  • Paid in full discount
  • Sign online discount
  • Teen driver discount
  • Multi-policy discount
  • Safe driver discount
  • Homeowner discount
  • Online quote discount
  • Good student discount
  • Distant student discount
  • Paperless billing discount
  • Automatic payments discount
  • Continuous insurance discount

Progressive 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 BBB website, it appears that it did for at least a few drivers. Several reviewers said that the tracking is overly sensitive and unfair.

Progressive 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 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 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 Car Insurance Review: Conclusion

Based on our research and Progressive insurance reviews, we found Progressive offers the best coverage for riskier drivers, including teens and students. This is likely to be a major benefit for many households.

Progressive also offers an excellent online experience with easy enrollment and account management. However, many customers have only average claims experiences and therefore may not receive the coverage they expected.

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Progressive Competitors: Recommended Providers

Progressive may be a great option for some drivers, but others may find better rates or a better customer experience elsewhere. Regardless of how you feel about Progressive, it’s always a good idea to get car insurance quotes from multiple providers and compare to see which one offers the best combination of rates and coverage for you. Our editors suggest considering two of the top performers in our latest auto insurance study.

GEICO: Best Discount Selection

During our most recent auto insurance study, GEICO consistently offered some of the lowest rate estimates in most places. On top of that, the company also features one of the widest selections of discounts among any provider we examined. That means that anyone looking for cheap coverage from a reputable provider will want to consider GEICO as an option.

Read more: Geico car insurance review

State Farm: Best Overall

State Farm is the nation’s largest insurer and in our most recent industry-wide car insurance study it ranked as Best Overall, earning the highest total score of any provider. While a strong portfolio of additional coverage options and generally competitive rates make State Farm a good option for most drivers, the provider is an especially attractive option for households with younger drivers. That’s because State Farm offers a number of discounts to help bring down the cost of coverage for younger drivers and especially students.

Read more: State Farm car insurance review

Progressive Auto Insurance: FAQ

Below are frequently asked questions about Progressive car insurance reviews.

Does Progressive have a good rating?

Yes, Progressive has a good rating. The company received an overall score of 4.4 out of 5.0 from our editorial team for its strong customer service and reviews, affordable coverage, and range of policy options.

Who beats Progressive Insurance?

In our study of the best car insurance companies in the industry, we found that State Farm was the Best Overall Provider for 2023. We gave the company a 4.7 out of 5.0 rating for its affordability, customer service reputation, and coverage options for drivers.

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.