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Progressive Car Insurance Review
Our team recognizes Progressive as the best option for tech-savvy drivers and received a score of 9 out of 10. The company has a large amount of coverage options, decent customer service and good standing in the industry. As a larger insurer, Progressive is also available to all drivers in the U.S. and has flexible purchase options online or with an agent.
Pros and Cons of Progressive Auto Insurance
Here are the pros and cons of purchasing a Progressive policy:
Progressive Insurance Rating
The overall rating from our review team is based on performance across five key areas: reputation, availability, coverage, cost and customer experience. Below is the breakdown of Progressive’s scores in each category:
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is Progressive Insurance Good?
Purchasing a Progressive car insurance policy can be worth it for many drivers. The insurer has a wide selection of auto insurance policies and add-on coverage options, although Progressive insurance reviews from customers are mixed. However, if you are a high-risk driver, you can find some of the best rates with the company along with a large array of discounts available to all customers.
Progressive Insurance Ratings
Below you can review rating scores from reputable research agencies:
- J.D. Power 2023 Insurance Company Rating: Progressive was just below the industry standard in all regions, sitting around 10 points under the national average.
- J.D. Power 2023 Insurance Claims Satisfaction: Similar to their overall ratings in the United States, Progressive sat just below the industry average by 8 points with a score of 870 out 1000.
- NAIC Insurance Claims Complaints Index: Progressive earned a score of 1.97 which is .97 points above the national average. Even considering that they are a large insurer, this number shows lower customer satisfaction with their claims process.
- AM Best Financial Strength Rating: Progressive has a A+ (Superior) score for financial strength, which speaks well to their ability to pay claims.
Progressive Insurance Comparison
Below you can see how Progressive compares to large insurers:
Progressive Car Insurance Cost
Our rate estimates show 35-year-old drivers with good credit and clean driving records pay $2,008 a year or $627 a month for full-coverage insurance. With Progressive, full coverage is $2,030 per year or $169 per month on average. While this is slightly more expensive than average national costs, your pricing may vary depending on a variety of factors. To help you decide if Progressive car insurance costs are worth it, we’ve provided sample quotes and cost comparisons to major providers below.
Why Is Progressive Insurance So Cheap?
Progressive insurance is not the cheapest auto insurer and is typically only cheaper than average for those with a DUI or other higher risk factors on their record. However, for good drivers, Progressive is not cheap compared to other insurers. Out of the insurers we compared, Progressive ranks 53 out of 130 for pricing.
Progressive Full-Coverage Car Insurance Cost Vs. Competitors
Progressive full-coverage car insurance is only 1% more expensive than the national average of $2,008 yearly. Below you can compare quotes from the company and their competitors:
*All quotes are based on the profile of an unmarried 35-year-old driver with good credit, a clean driving record and a 2022 Toyota Camry.
Read more: Cheapest full-coverage vehicle insurance
Progressive Liability Car Insurance Cost Vs. Competitors
Progressive liability-only car insurance costs 11% more than the national average, which is $697 a year, making it a slightly more expensive provider than most. The table below include average costs for leading providers to highlight how Progressive’s costs compare:
*All quotes are based on the profile of an unmarried 35-year-old driver with good credit, a clean driving record and a 2022 Toyota Camry.
Read more: Cheapest liability-only vehicle insurance
Progressive Car Insurance Quotes
Your car insurance prices depend on a variety of factors, and the Progressive rates you receive may not reflect the estimates below. If you’re looking for car insurance with low credit, you’ll pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan. And if you have a poor driving record or are a young driver, your insurance options will be more expensive.
Below, we’ve broken down car insurance quotes by age, driving profile and state for you to get an idea of what Progressive car insurance may cost for you.
Progressive Auto Insurance Rates For Teens
Progressive full-coverage car insurance for teens tends to be pricey, at up to almost five times more expensive for the age group of 16 to 19 than it is for a 35-year-old driver. The national average cost for a 16-year-old’s full-coverage insurance is $7,581. Below are monthly and annual average teen rates for full coverage from the company:
*These averages were found from 2022 data.
Progressive Auto Insurance Rates For Young Adults
Progressive car insurance rates for young adult drivers sits around 4% less expensive than the national average, which is $2,336 for 25-year-olds. Below you can compare average costs for 21 and 25-year-olds:
*These averages were found from 2022 data.
Progressive Auto Insurance Rates For Adults
For adults aged 35-55, Progressive car insurance prices are about the same as the national average. Below you can compare quotes for this age grouping:
Progressive Auto Insurance Rates For Seniors
Progressive is not the cheapest auto insurance for seniors but sits at around 3.43% cheaper than the national average. Below are rates for seniors aged 65-75:
*These averages were found from 2022 data.
Progressive Auto Insurance Rates by Driver Profile
Car insurance with a speeding ticket, accident, bad credit or DUI/DWI can be more expensive. Progressive offers lower rates for those with DUIs than the national average, but is more expensive for those with other driver profiles. Here are a few full-coverage rate estimates from Progressive for low and higher-risk car insurance policies:
Progressive Car Insurance Discounts
The number of available auto insurance discounts at Progressive is comparable to what you’ll find with other top insurers. However, Progressive has a few more options than some competitors when it comes to savings based on how you pay for your policy.
To help consumers save money on car insurance premiums, Progressive offers several discount opportunities:
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Progressive Snapshot Discount
If you’re looking for a plan tailored to your driving, you can try Progressive’s Snapshot program which claims to save an average of $231 per year for drivers. The insurer will track your driving habits through the Snapshot app or a plug-in device for a period of time after you sign up. Depending on how safe you are on the road, you may get a car insurance discount.
Read more: Best car insurance apps
Progressive Auto Insurance Quote
To receive a quote from Progressive for auto insurance or any other type of coverage, you can go online to receive pricing or contact your local agent. In either case, you’ll need basic personal information like your birthdate, your vehicle details (make, model, mileage) and the coverage level you want. From there you’ll be able to solidify how you want to pay, whether you want to bundle or have any add-ons and finalize the process.
Progressive Car Insurance Coverage
Progressive offers the following standard types of auto insurance coverage:
- Liability auto insurance (covering property damage and bodily injury)
- Vehicle collision insurance
- Comprehensive insurance
- Medical payment coverage (MedPay)
- Personal injury protection coverage (PIP)
- Uninsured/underinsured driver coverage
Progressive Auto Insurance Coverage Options: Add-ons
In addition to the standard coverage types listed above, you can also get these extra coverage options from Progressive:
Progressive Insurance Claims
Progressive customers can file a claim online, through the mobile app or by calling (800) 776-4737. A claims adjustor will then inspect your vehicle and write a repair estimate. You can then choose to have repairs performed at a repair facility in Progressive’s preferred network or receive payment for the cost of repairs. If you use a facility in Progressive’s network, your repairs are guaranteed for as long as you own or lease the vehicle.
Read more: How to file insurance claims
Progressive Insurance Customer Reviews
Our team identified a strong focus on personal connections at Progressive, as many customer reviews mention helpful and understanding service agents. While the insurer has stellar financial health, some negative reviews mention that Progressive’s offerings aren’t as reliable as those from other car insurance companies.
We reached out to Progressive for a comment on these reviews, but received no response.
Progressive Auto Insurance Customer Satisfaction
In Aug. 2022, our team conducted a nationwide car insurance satisfaction survey that polled nearly 7,000 people. Of those who participated, almost 17% stated they had a Progressive car insurance policy. Here’s an in-depth look at how customers rate Progressive compared to the overall average from our survey:
Progressive Insurance Claims Reviews
Our survey found that 31% of respondents with a Progressive policy have filed a claim, while 69% have not. We discovered that most respondents were happy with the customer service during the claims process, giving Progressive a 4.1-star rating out of 5. Respondents also gave the company a 4-star rating for satisfaction with the claim outcome or settlement.
Progressive Insurance Reviews BBB
While Progressive scored just below average in recent J.D. Power studies, the insurer holds a B rating from the BBB. Customers on the platform, however, give Progressive 1 out of 5 stars. Positive Progressive insurance reviews talk about the company’s quick claims process and helpful and understanding customer service agents. On the other hand, negative reviews say some agents lack professionalism and claims can take a long time to resolve.
We reached out to Progressive for a comment on the negative customer reviews, but received no response.
Progressive Insurance Reviews Reddit
You’ll find plenty of auto insurance discussion threads on the news aggregator site Reddit. We found a variety of Progressive reviews from Reddit users, mostly focusing on the speed of the claims process. Many positive reviews of the company also focused on its low rates. Negative reviews on Reddit usually concern rates increasing at renewal time.
We reached out to Progressive for a comment on these reviews, but received no response.
Progressive Auto Insurance App Reviews
When it comes to the mobile experience, drivers leave largely positive reviews. The Progressive app has a 4.8-star rating out of 5 in the Apple App Store backed by over 230,000 customer reviews and a 4.6-star rating on Google Play from more than 116,000 customers.
Progressive Homeowners Insurance
Our research shows Progressive offers affordable home insurance. While they don’t offer the cheapest homeowners policies, they are a decent option. Below, we’ll go into detail on costs, coverage and our thoughts on choosing the insurer for homeowners protection. Regardless of which provider you choose, we recommend comparing multiple quotes to find the best deal.
Progressive Home Insurance Cost
Progressive home insurance costs can be expensive, ranging from $3,247 to $8,910 on average for a $350,000 home for a single owner. However, your quotes may vary based on your location, home size, credit score, claims history and more. To help you see what Progressive homeowners insurance may cost for your particular home, we’ve highlighted sample quotes below.
Progressive Home Insurance Quotes
We reached out to Progressive for home insurance quotes to give you an idea of how much coverage can cost:
*Each of the home insurance quotes listed above are for single family homes, a $1000 deductible and comprehensive coverage.
Progressive Home Insurance Discounts
Progressive offers several discounts to help lower the cost of your home insurance premium. Discounts include:
What Factors Affect Home Insurance Costs?
Your home insurance quote from Progressive will be based on various factors, such as your location, claims history and property details. Here are a few key factors that go into deciding how much you’ll pay in home insurance costs:
- Location: Your state and ZIP code factor into how much you’ll pay for your home insurance premium. States near coastal areas or those prone to natural disasters tend to have the highest rates.
- Claims history: Homeowners who filed a claim in the past three to five years can expect to see higher home insurance rates. Speak to a Progressive representative to get a more accurate home insurance estimate and explain why you filed a claim.
- Property details: Homes that have special features such as a pool may have higher home insurance premiums. Many home insurance companies view special features as an added liability risk to the insurer.
- Coverage needs: If your home has a high value, you can expect to see a spike to your home insurance premium. A higher dwelling limit is often needed with more expensive homes to combat the cost of repairs or a rebuild following a disaster.
- Deductible: Homeowners will have a higher insurance premium if they choose a lower deductible. If your budget allows, you can raise your deductible to ensure lower rates.
Progressive Home Insurance Coverage
Home insurance policies provide financial protection to cover the cost of losses to your home and personal property after a covered event, such as a natural disaster or theft and vandalism.
Progressive offers the following standard types of home insurance coverage.
Read more: What do homeowners insurance policies cover?
Progressive Home Insurance Options: Add-ons
Homeowners can also add the following coverages to customize their policy:
- Water back-up: This covers water damage from backed-up sump pumps and sewer systems.
- Personal injury: This add-on option covers your legal fees and additional damages from slander or libel lawsuits, lawsuits against you for wrongful entry or malicious prosecution and wrongful eviction.
Progressive Home Insurance Review
Progressive ranks close to the top 10 for the best homeowners insurance in 2024 and our research team rated them a 4.53 out of 5, also naming them Our Pick For Bundling. While Progressive can be expensive for some, their wide range of discounts, benefits and coverage options makes them a worthwhile choice. Its customer service is also strong and the company has a great reputation in the industry.
However, we recommend not limiting yourself to just getting Progressive quotes when buying home insurance. We’ve provided a free tool and reviews of our top providers for you to get started:
- Liberty Mutual home insurance
- Allstate home insurance
- Farmers home insurance
- State Farm home insurance
- Nationwide home insurance
- Erie home insurance
- USAA home insurance
- American Family home insurance
Progressive Renters Insurance
Progressive is one of our best rated renters insurance companies in 2024 because of its good coverage and affordable options. Below, we’ll go into more detail about their costs and coverage, and we’ll summarize our thoughts about buying a policy from the company.
Progressive Renters Insurance Cost
The average price of renters insurance from Progressive is around $15.42 a month, which is slightly above the national average of $15. However, pricing may change based on your coverage level and available discounts. We recommend that you compare renters insurance quotes at multiple coverage levels to see which is right for you.
Progressive Renters Insurance Coverage
Progressive coverage plans for renters can come with these protections:
Read more: What does renters insurance cover?
Progressive Renters Insurance Add-ons
In addition to the coverages mentioned above, you can also include water backup and personal injury protection.
Progressive Renters Insurance Review
Progressive renters insurance earned a score of 4.9 out of 5 stars for their availability around the country, reasonable rates and many discount options. They may not be one of our cheapest renters insurance picks, but you can still find great coverage with the company. The only drawbacks are that policies require a down payment and contracts are underwritten by a third party (so you won’t deal with Progressive directly).
Below you can compare some of our top picks for the cheapest renters insurance to get your search started:
- Lemonade renters insurance review
- Toggle renters insurance review
- Nationwide renters insurance review
- Allstate renters insurance review
- State Farm renters insurance review
- American Family renters insurance review
- USAA renters insurance review
Progressive Life Insurance
Purchasing a life insurance policy from Progressive allows you to provide a safety net for your loved ones in case you pass away. A life insurance policy is a contract that provides a payout to your beneficiaries when you die, as long as your premium is paid and the policy is active.
Progressive Life Insurance Quotes
Depending on your coverage level, age, health and other factors, your life insurance rates can be anywhere from $10.12 to $190.80 per month. Progressive is not the cheapest life insurance company, but it offers relatively affordable coverage. You can get life insurance quotes from Progressive online or through a local agent to see what it would cost for you.
Progressive Life Insurance Coverage
Progressive offers several life insurance policies through eFinancial. Term life policies provide coverage if you pass away within a set number of years, while permanent policies such as whole, life, universal and final expense last your entire life.
Here’s a look at the different life insurance policy options Progressive offers:
- Term life: Choose a term of 10, 15, 20 or 30 years for your life insurance policy, which will protect your loved ones in case you pass while they still depend on your income.
- Final expense: Designed to cover your funeral costs, hospital bills and related expenses.
- Short-term: A one-year policy that provides short-term coverage if you’re just starting out with life insurance or have a temporary gap in coverage.
- Whole life: Standard permanent insurance option that covers your life at a fixed premium. It builds cash value at a fixed rate over time, which you can borrow against.
- Universal life: Permanent policy that lets you change your payment and death benefit amounts over time.
Read more: What is life insurance?
Progressive Life Insurance Review
Overall, Progressive is a serviceable option with plenty of coverage choices to choose from. However, they are not one of our top picks for life insurance and you’ll be able to find a better policy elsewhere. Even so, we recommend comparing multiple companies before choosing a provider.
Below are some of our top picks that you can compare in our comprehensive reviews:
- Ethos life insurance
- Bestow life insurance
- Fidelity life insurance
- Nationwide life insurance
- Mutual of Omaha life insurance
Progressive Insurance: Additional Coverage Policies
Read More
Reviews on Progressive Insurance: The Bottom Line
In this article, Progressive car insurance earned a 9 out of 10 stars and was awarded “Best for Tech-Savvy Drivers.” This score is based on the same criteria we use to assess all car insurance companies: industry standing, availability, coverage, cost and customer service.
Progressive Car Insurance: FAQ
How We Rated Progressive Insurance Company
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
800 hours researched
45 companies reviewed
8,500+ consumers surveyed
*Data accurate at time of publication.
