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Progressive Insurance Reviews

Updated on :
| By : Leslie Kasperowicz
  • Snapshot telematics device
  • Loyal customer discount
Progressive Insurance review highlights:
  • Progressive is the third-largest auto insurance company in the U.S
  • Snapshot, Progressive’s usage-based program, offers discounts based on driving habits
  • Progressive writes auto insurance in all 50 states and D.C.
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Overview

The Progressive Group of Insurance Companies has always lived up to its name by staying one step ahead of the insurance industry and finding new and affordable insurance solutions. Progressive began in 1937 with the first drive-in claims office, became the first to introduce reduced rates for low-risk drivers, and then changed the insurance shopping experience by offering comparison rates online.

Progressive has 13.7% of the private passenger auto insurance market, according to the July 2022 National Association of Insurance Commissioners (NAIC) report. That makes it the third-largest auto insurance company in the nation.

Pros and cons of Progressive Insurance

Pros:
  • Large company with solid financial ratings
  • There are a lot of ways to lower your rate
  • Strong mobile app with a lot of features
Cons:
  • Scored poorly for claims satisfaction with J.D. Power
  • Using the Snapshot program may lead to a rate increase

Customer Satisfaction Ratings

(260 reviews)
Overall Score
3.5/5
76% Recommend to a Friend
91% Plan to Renew
A+ Financial Strength Ratings Jan 13, 2022
Ratings as of Jan 13, 2022 J.D. Power claims satisfaction rating, 2021 : 862/1000
Claims Processing 4/5
Customer Service 3.5/5
Value for Price 3.5/5
Website & Apps 3.5/5
Reviews are yet to be taken.

Where is Progressive automobile insurance available?

Progressive car insurance is available in all 50 states and Washington, D.C.

Types of insurance available from Progressive

  • Auto
  • Pay-as-you-drive plan – Snapshot
  • Collector car
  • Motorcycle
  • Homeowners
  • Renters
  • Condominium
  • Mobile home
  • Classic car (through Hagerty)
  • Umbrella liability
  • Boat
  • RV
  • Specialty motorized vehicles (golf carts, Segways, snowmobiles, ATVs)

Offerings vary by state.

Progressive auto insurance coverage types

A Progressive auto insurance policy includes all of the basics plus a few add-on options. Progressive liability insurance coverage will meet all state requirements, with the option to increase your limits. A Progressive full coverage policy includes liability and adds both comprehensive and collision.

It’s worth noting that Progressive collision coverage includes pet injuries, which is unusual.

Other options you can add include:

  • Uninsured/underinsured motorist (required in some states)
  • Personal injury protection and medical payments (required in some states)
  • Loan/lease payoff
  • Rental car reimbursement
  • Custom parts and equipment
  • Rideshare coverage
  • Roadside assistance

Offerings vary by state.

How much is Progressive car insurance?

Here’s a look at Progressive’s average rates based on 2022 Insurance.com data for three levels of coverage and the average rate for several top car insurance companies. Progressive comes in a little above average across the board.

State Minimum Liability Only50/100/50 Liability Only100/300/100 Liability with $500 Comp/Coll Deductible
Progressive$551$682$1,686
National average$508$624$1,636

Progressive auto insurance discounts

  • Multi-policy:  Save up to 10 percent when you add a homeowners, renters or condo policy to your auto insurance.
  • Multi-car discount: Insuring multiple cars with Progressive will give you a discount.
  • Homeowner:  Owning your home, condor or mobile home can get you a discount off your auto policy.
  • Defensive driver discount:  Complete a defensive driving course and receive a discount on bodily injury and property damage liability, collision and personal injury protection coverages. (10 percent in New Jersey)

Percent savings are averages. Offerings vary by state.

Other auto insurance options from Progressive

  • Accident forgiveness.
  • Deductible savings bank.
  • Name Your Price tool.

What would make Progressive customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

9% Would never switch
2% Would switch if savings were $1000 or more
16% Would switch if savings were $500 or less
35% Would switch if savings were $250 or less
27% Would switch if savings were $100 or less
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Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

Frequently asked questions: Progressive Insurance

Does Progressive insurance cover a rental car?

A Progressive policy will cover you in a rental car up to the limits of your policy, but only in the U.S. and Canada. You will need full coverage on your Progressive policy to cover the rental car for comprehensive and collision.

Does Progressive have accident forgiveness?

Yes. All policyholders get one accident under $500 in damage forgiven. Policyholders who have been with the company for five years without a ticket or accident will get one larger accident forgiven. Additional accident forgiveness coverage can be purchased.

Is Progressive a good company?

What makes a company good is a matter of opinion. However, Progressive’s size and growth over the years indicate it has provided good service.

Methodology

Insurance.com commissioned Quadrant Data Services to field rates for Progressive Insurance and the other top insurance companies in the U.S. Rates are based on a 40-year-old male driver with a clean record driving a 2021 Honda Accord LX. Company ratings were drawn from an Insurance.com survey of more than 3100 insurance customers.

Progressive claims and contact information

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