Progressive auto insurance review for 2026

Progressive auto insurance: Overall verdict

Progressive is the second-largest car insurance provider in the country, falling only behind State Farm for total premiums written. Working with an insurer of Progressive’s size has advantages. For one, it’s an option for drivers in all 50 states, and for another, it has the financial footing to invest in the latest online applications and ways to service customers.

However, working with a big insurer can have its downsides. Progressive scored about average for customer service in our ranking of the Best Car Insurance Companies for 2026, and its premiums are not the cheapest.

The company offers numerous discounts for bundling, installing safety features, and professional affiliations and has a rock-solid credit rating.

Progressive was fourth overall in our ranking of the top car insurance companies.

What auto insurance coverages does Progressive offer?

Progressive offers a complete portfolio of car insurance coverages, as well as policies for your home and other needs.

All primary car insurance coverage options are available:

Additional coverage offerings:

Rental car reimbursement
Rideshare coverage
Roadside assistance
Custom parts and equipment
Accident forgiveness
Loan/lease payoff
Golf cart and classic car coverage

How does Progressive insurance rank?

Progressive ranked fourth overall in our 2026 ranking of the top car insurance providers. It scored about average for customer satisfaction and has a top credit rating, but its premiums are on the more expensive side.

Although the company did not rank in the top half of the 2025 J.D. Power auto claims customer satisfaction survey, with a score below the average of 645, it finished among the top choices overall in our ranking, largely due to its low complaint volume.

Here’s a look at how it compared to competitors.

Company	AM Best	Customer satisfaction	NAIC**	Monthly premium	Overall score
Progressive	A+	78%	0.604	$223	4.05
Travelers	A++	89%	0.625	$175	4.55
GEICO	A++	83%	0.603	$179	4.5
Nationwide	A	88%	0.636	$205	4.19
Amica	A+	77%	0.588	$231	4.02
State Farm	A+	84%	0.869	$239	3.91
Allstate	A+	83%	1.2	$267	3.57
Farmers	A	84%	1.239	$257	3.52
USAA*	A++	90%	1.164	$131	4.53

Read our methodology

*USAA is only available to military members, veterans and their families, and as a result is not ranked.

**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Progressive car insurance?

The average full coverage rate for a 40-year-old driver with Progressive is $2,675 per year or $223 per month. That’s higher than Nationwide at only $2,463 a year, but still lower than $3,205 per year at Allstate.

Progressive does offer a wide range of discounts and an innovative “Name Your Price” tool that helps drivers find coverage within their budget. However, in terms of basic rates, Progressive’s premiums are on the more expensive side. It’s a little more expensive than top competitors State Farm and GEICO.

Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. for a 40-year-old driver with a good driving record.

Company	Average annual rate	Average monthly rate
Progressive	$2,675	$223
Allstate	$3,205	$267
Amica	$2,767	$231
Farmers	$3,085	$257
GEICO	$2,148	$179
Nationwide	$2,463	$205
State Farm	$2,874	$239
Travelers	$2,103	$175
USAA	$1,572	$131

Read our methodology

Progressive car insurance rates by state

Progressive offers the best rates to drivers in Vermont and Hawaii, while drivers in Louisiana and Florida pay the most.

State car insurance rates vary. Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs.

Find your state below to find out the average annual cost of a Progressive car insurance policy.

State	State minimum	Liability (50/100/50)	Full coverage 100/300/100; $500 deductible
Alaska	$423	$661	$1,752
Alabama	$403	$670	$2,452
Arkansas	$458	$912	$4,017
Arizona	$641	$935	$2,114
California	$601	$747	$2,684
Colorado	$444	$746	$3,045
Connecticut	$1,364	$1,405	$3,265
Washington, D.C.	$1,120	$1,491	$4,835
Delaware	$981	$1,211	$2,629
Florida	$1,734	$3,638	$6,622
Georgia	$662	$864	$1,980
Hawaii	$452	$726	$1,279
Iowa	$211	$308	$2,079
Illinois	$622	$702	$2,166
Indiana	$404	$465	$1,648
Kansas	$513	$573	$2,203
Kentucky	$792	$1,089	$3,063
Louisiana	$683	$1,795	$4,218
Massachusetts	$907	$1,024	$2,490
Maryland	$1,036	$1,167	$2,588
Maine	$243	$244	$1,454
Michigan	$686	$717	$3,165
Missouri	$682	$883	$3,934
Mississippi	$365	$584	$2,687
Montana	$453	$601	$3,101
North Carolina	$493	$537	$1,480
North Dakota	$345	$374	$2,046
Nebraska	$333	$401	$2,515
New Hampshire	$552	$589	$1,859
New Jersey	$1,055	$1,125	$3,071
New Mexico	$405	$602	$2,046
Nevada	$749	$1,514	$3,739
New York	$528	$578	$1,448
Ohio	$436	$520	$1,756
Oklahoma	$286	$501	$2,341
Oregon	$1,593	$1,892	$3,584
Pennsylvania	$659	$967	$3,600
Rhode Island	$684	$871	$2,369
South Carolina	$597	$907	$2,666
South Dakota	$219	$243	$2,249
Tennessee	$523	$654	$2,661
Texas	$641	$864	$2,916
Utah	$843	$1,038	$2,622
Virginia	$749	$755	$2,525
Vermont	$363	$400	$980
Washington	$524	$958	$2,587
Wisconsin	$614	$767	$3,563
West Virginia	$727	$837	$2,974

Read our methodology

Progressive insurance rates for teens

The average cost of a teen car insurance policy with Progressive is $10,196 a year.

As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Progressive, but rates come down substantially by the time you enter your 20s.

Here’s what a teenage driver can expect to pay annually with Progressive compared to average rates for older drivers and with competitors.

Company	Teens (16-19)	Young adults (20-24)	40-year-old adult
Progressive	$10,196	$4,372	$2,675
Allstate	$9,895	$4,811	$3,205
Amica	$9,594	$4,704	$2,767
Farmers	$11,628	$4,595	$3,085
GEICO	$6,112	$3,186	$2,148
Nationwide	$7,821	$3,824	$2,463
State Farm	$7,922	$4,624	$2,874
Travelers	$6,417	$3,270	$2,103
USAA	$5,267	$2,492	$1,572

Read our methodology

Progressive insurance rates for adults

Adults see rates decline steadily and generally pay some of their cheapest rates at around the age of 60-65. At Progressive, rates are lowest at age 60, when the average is $2,260 for a male driver and $2,227 for a female.

Here’s what adults can expect to pay yearly on average for full coverage car insurance with Progressive at various ages.

Age	Average annual premium, male	Average annual premium, female
25	$3,250	$3,163
30	$2,937	$2,917
35	$2,803	$2,815
40	$2,667	$2,683
45	$2,576	$2,603
50	$2,403	$2,416
55	$2,281	$2,247
60	$2,260	$2,227

Read our methodology

Progressive insurance rates for seniors

At 65, a male driver will pay an average of $2,241 with Progressive, and a female will pay $2,198.

Car insurance rates start to increase in your senior years. Statistics show that senior drivers are riskier, likely related to slower reflexes, weaker eyesight, or other factors. For that reason, expect to see your rates begin to increase as you reach 65, although not nearly as much as teen drivers pay.

Here’s what senior drivers can expect to pay annually with Progressive at various ages.

Age	Average annual premium, male	Average annual premium, female
65	$2,241	$2,198
70	$2,427	$2,338
75	$2,765	$2,480

Read our methodology

Progressive insurance rates for driver with tickets, accidents and poor credit

Progressive’s rates for drivers with poor credit are about 40% higher than those for drivers with a clean driving record, indicating that the company gives credit a lot of weight.

Insurers are very good at crunching vast amounts of data to get accurate risk profiles of drivers. Your driving record and credit rating are top indicators of risk.

A poor credit rating is associated with a higher risk of filing claims.

Progressive insurance discounts and ways to save

Most carriers offer a wide range of discounts, which can help lower your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates and Progressive offers a bundle, including bundling policies.

Discounts start at around 5% up to as much as 40% and it is possible to qualify for multiple discounts.

Progressive car insurance discounts include the following:

Multi-policy discount
Multi-car discount
Driver training/defensive training
Good student/distant student discount
Online quote
Signing online
Paperless
Pay in full
Automatic payment
Snapshot usage monitor (but only if proven to be a safe driver)

What do people ask about Progressive insurance?

Why did my Progressive rate go up?

Car insurance rates go up for a lot of reasons. If your rate with Progressive has gone up and you don’t know of a reason why (like a ticket or a change in your household), call the company to ask. Rate increases are not always related to you as a driver; often they reflect larger changes in the overall risk a company takes on. Recently, car insurance rates have risen due to increased costs and risk, from higher repair costs to severe weather.

Why is Progressive so cheap?

Our rate analysis found Progressive to be middling in terms of rates, but for some people, Progressive may be considerably cheaper than other options. The difference can be due to location, driver profile, the car you drive and more.

Is Progressive a good insurance company?

In our survey, customers gave Progressive average marks for customer satisfaction, but J.D. Power rates it below average for auto claims satisfaction.

It is available pretty much anywhere you may drive and has solid financial stability, making it a good pick for many drivers.

Sources & Methodology

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: