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Speed Reads:

  • Informed by 1,950 hours of research, our expert review team considers Progressive the best option for high-risk drivers.
  • Progressive is the second-largest auto insurer in the U.S., which is why we give it a perfect 5.0-star rating for availability.
  • According to our survey of 1,000 car insurance customers, 74 percent of Progressive policyholders were satisfied with the provider’s services.

Progressive operates in all 50 states and has millions of customers, but does that mean it’s the best choice for you? We’ll give you a detailed look at the company and what it offers so you can decide. 

Each year, our team collects hundreds of data points on all major providers to rank the best insurance companies. We look at many aspects of each company including industry ratings, cost data from Quadrant Information Services, complaint ratios from the National Association of Insurance Commissioners (NAIC), and more.

For Progressive in particular, our team collected over 70 pieces of data and hundreds of costs for a wide range of drivers and locations. After hundreds of hours of research, we rated Progressive 4.4 out of 5.0 and ranked it seventh among our top ten recommendations. 

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Our Progressive Insurance Review And Methodology

We give Progressive 4.4 out of 5.0 stars for its high-quality car insurance coverage, valuable add-ons, and long history. If you find a good rate, Progressive is a reliable choice with a reputation that’s backed up by countless Progressive insurance reviews.

Pros And Cons Of Progressive Insurance

Pros Progressive is a smart choice for high-risk drivers due to its affordable rates for those with violations on their record Getting a quote with the company is quick and easy with its simple online tool The insurer earned an A+ financial strength rating from AM Best Progressive offers a wide range of add-on coverage options to personalize your policy
Cons The insurer has average customer service compared to some competitors With Progressive's Snapshot program, bad drivers could see their rates increase

How We Rated Progressive Insurance

Our research team refreshes our review standards several times throughout the year to ensure the information is up to date. We collect over 8,500 data points about leading insurers in the industry and evaluate each in six main categories: industry standing, availability, coverage, cost and discounts, customer service, and technology. See how Progressive performed in each category below:

Industry Standing

There are hundreds of car insurance companies across the country, but not all have good industry standings. For this category, we check a company’s Better Business Bureau (BBB) rating and market share. We also look at its financial rating from AM Best. This rating is an indication of a company’s ability to cover its claims obligations. We rate Progressive 4.0 in this category because it has been around for nearly a century, has an A rating from the BBB, and has an A+ rating from AM Best.


Next, our team rates the availability of a company. For this category, we consider availability by state along with any restrictions on membership. Progressive earns a 5.0 for availability because it operates in all states and doesn’t impose any restrictions.


All companies offer basic and full-coverage insurance, but some offer more add-ons and extras than others. Perhaps it’s important for you to have roadside assistance at all times or to guard against rate increases with accident forgiveness. Progressive offers a good selection of add-ons, so we rate it 4.4 in this category.

Cost And Discounts

Costs can vary so widely between companies that you may find one quote is double the price of another for the same coverage. Overall, we rate Progressive 4.4 in this category considering cost data, consumer survey sentiment, and discount availability.

A major part of the cost analysis we do includes data from Quadrant Information Services. Here are some parameters we use when analyzing rates:

  • Age: Cost data includes the ages of 16, 17, 18, 19, 20, 25, 30, 35, 40, 45, 50, 55, 65, and 75 from both 2022 and 2023 reports. Unless stated otherwise, costs in this article use the profile of a 40-year-old married male driver with good credit and a clean driving record.
  • Location: We look at costs for the top 100 ZIP codes of each state by population (with a maximum of 10 ZIP codes per large city).
  • Driving history: We analyze rates for good drivers who don’t have any violations on their records as well as for drivers with accidents, tickets, and DUIs.
  • Vehicle: The majority of our cost data focuses on rates for a 2021 Toyota Corolla. For our age-specific data, some cost information combines rates for three vehicles: a 2022 Hyundai Accent SE, a 2022 Toyota Camry, and a 2022 Ford F-150 XL. Cost data for comprehensive and collision insurance includes a $500 deductible.

Customer Service

Not only do you want to get a good price, but you also want a company that offers reliable customer service. For this category, our team analyzes hundreds of customer reviews per major provider and takes note of positive or negative patterns.

We also include ratings from our customer satisfaction survey in this category along with ratings from J.D. Power studies and complaint ratios from the NAIC. Progressive scores 4.3 out of 5.0 for customer service.


Finally, our team looks at the apps and online experience a company offers. Progressive offers quick online quote forms, useful tools, and highly rated apps, including a usage-based insurance program. Overall, it gets a 4.8-star rating for technology from our team.

About Progressive Insurance

Founded: 1937

Availability: 50 states

Market share: 14.05 percent

AM Best financial strength rating: A+

BBB rating: A

Progressive is one of the top auto insurers in the United States and wrote over $38.9 billion in insurance premiums in 2022, according to the NAIC.

Progressive has been around since 1937, but it continues to evolve with the times. In 1997, Progressive became the first insurer to offer car coverage to customers online, and it also rolled out the first usage-based insurance option in 2008.

As one of the industry’s largest auto insurance providers, Progressive offers a broad range of coverage options. On the other hand, Progressive insurance reviews tell us that the company’s claims process is about average.

Progressive Insurance Rating

AM Best gives Progressive an A+ rating for financial strength, meaning it has a superior financial ability to meet car insurance claims. According to a survey we performed of 1,000 car insurance customers, 74 percent of Progressive customers were satisfied with the company’s services.



How Much Does Progressive Car Insurance Cost?

Good drivers pay about $153 per month or $1,834 per year for full-coverage car insurance from Progressive, according to our cost analysis. For minimum coverage, Progressive costs $822 per year and $69 per month on average.

Full-Coverage Car Insurance Comparison

Full-coverage insurance includes liability coverage plus collision and comprehensive insurance. For more details jump to our auto insurance coverage section.

Below, you can see how full-coverage insurance compares between different providers. While Progressive costs below the national average of $2,106 per year, some other companies tend to be cheaper on average.

Car Insurance CompanyAverage Annual Cost EstimateAverage Monthly Cost Estimate
Erie Insurance$1,844$154
State Farm$1,876$156

What’s Progressive’s Cheapest Car Insurance?

If budget is top of mind, you’ll want to look into minimum-coverage car insurance. Be aware that this insurance doesn’t cover your car if you cause an accident or hit a stationary object. Minimum coverage from Progressive costs $822 per year or $69 per month. This is on par with the national average of $823 per year.

Car Insurance ProviderAverage Annual Cost EstimateAverage Monthly Cost Estimate
USAA$440 $37
Auto-Owners$461 $38
Geico$620 $52
Erie Insurance$681 $57
Nationwide$780 $65
State Farm$791 $66
Progressive$822 $69
Travelers$973 $81
Allstate$1,116 $93
American Family$1,182 $99
Farmers$1,376 $115

Progressive Cost By Driving Profile

Your driving history can have a large impact on car insurance premiums. Speeding tickets, DUIs, and at-fault accidents will almost always increase how much you’ll pay. Below, you’ll see how Progressive’s rate estimates compare to the national average.

Driving ProfileProgressive Annual Cost EstimateNational Annual Cost Estimate
Speeding ticket$2,442$2,661
At-fault accident$2,958$3,121

Progressive Cost By State

Your state of residence can dramatically affect how much you’ll pay for Progressive insurance. This is due to state regulations on pricing, car insurance requirements, and population density. The full coverage estimates below apply to 40-year-old drivers with good credit scores and clean driving records.

StateProgressive Annual Cost EstimateState Average Cost Estimate
Washington, D.C.$1,394$1,898
IdahoData not available$1,156
MinnesotaData not available$2,357
New Hampshire$1,203$1,373
New Jersey$1,800$2,552
New Mexico$2,141$2,262
New York$2,051$3,653
North Carolina$1,655$1,626
North Dakota$1,053$1,372
Rhode Island$2,559$2,700
South Carolina$1,575$1,934
South Dakota$2,124$2,117
West Virginia$1,731$1,708
WyomingData not available$1,463

Progressive Cost By Age

The amount you’ll pay for car insurance coverage varies based on age. If you’re the parent of a teen driver, Progressive may not be your best option for car insurance, as its average for 16-year-olds is 40 percent higher than the national average for the same age group. Below are some cost estimates for Progressive that are broken down by different age groups.

AgeProgressive Annual Cost EstimateProgressive Monthly Cost Estimate

*Costs taken from 2022 data.

List of actions a policyholder can take to save on car insurance premiums

Progressive Insurance Discounts

Progressive claims that 99 percent of policyholders are eligible for at least one of the provider’s discounts. Among other savings opportunities, Progressive has offers for students, good drivers, and young drivers.

Progressive DiscountDetails
Multi-PolicyGet a nearly 5% policy discount for bundling home and auto insurance or another of Progressive's insurance products, such as renters insurance.
Multi-CarSave about 12% if you have more than one car listed on your Progressive policy.
Continuous InsuranceEarn a discount if you are consistently insured with no gaps or cancellations.
Teen DriverReceive a discount if you add a driver who is 18 or younger to your policy.
Good StudentSave if you have a student on your policy who maintains a "B" average or better.
Distant StudentGet a lower premium if the full-time student on your policy lives more than 100 miles from home and does not have a vehicle while away.
HomeownersEarn 10% off if you are a homeowner.
Online QuoteSave about 4% if you get an online Progressive quote.
Sign OnlineSave about 8.5% if you sign your documents online.
PaperlessLower your payment by choosing to receive documents via email (only applicable in combination with the sign online discount).
Pay In FullSave on car insurance by paying your six-month policy upfront.
Automatic PaymentGet a lower rate by setting up automatic payments from your checking account. This discount cannot be combined with the pay-in-full discount.

Availability of each discount opportunity varies by state. While some car insurance providers offer savings to military members and their families, there is no Progressive military discount.

Beyond these potential savings, Progressive has other ways for customers to reduce their monthly payments.

Pictures representing six common car insurance discounts

Progressive Snapshot Discount

The Snapshot® safe driving program tailors the price of your auto insurance policy to the way you drive. Progressive says most people with good driving habits receive an average discount of $156 by using Snapshot. While good drivers often get discounts, bad drivers could see their rates rise instead.

Progressive Snapshot tracks:

  • Braking
  • Acceleration
  • Late-night trips
  • Driving time
  • Phone use
  • Speeding

One aspect you might not be able to control is your time on the road. Between two drivers with good driving habits, the one who puts fewer miles on the odometer will get a better Snapshot score.

Is Progressive Snapshot Worth It?

Snapshot can be a good option for safe drivers or those who are not on the road much. However, it is more of a risk than some other telematics discount programs because it can raise your insurance rates if you have a low Snapshot score. Before enrolling it would be a good idea to make sure your driving habits will align with a higher safe driving score.

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Progressive Auto Insurance Coverage

These are the main types of auto insurance you’ll find with Progressive or almost any other major provider:

  • Bodily injury liability and property damage liability (BI/PD): Covers vehicle damage and medical bills for other people in accidents you cause
  • Collision insurance: Covers your car in accidents you cause
  • Comprehensive car insurance: Covers environmental damage, theft, vandalism, and damage from collisions with stationary objects
  • Medical payments (MedPay): Covers your medical bills
  • Personal injury protection (PIP): Covers medical bills, lost wages, and funeral costs
  • Underinsured/uninsured motorist coverage (UIM/UM): Covers both your vehicle and your medical bills if someone without enough car insurance causes an accident

Basic Types of Car Insurance

Minimum-coverage vs. full-coverage insurance: Minimum coverage includes bodily injury liability and property damage liability insurance. Your state may also require uninsured/underinsured motorist coverage and medical coverage. However, no state requires comprehensive or collision coverage. When you add these two options, you have a full-coverage policy. If you have a car loan, your lender will require you to carry full coverage until you pay off your loan.

Progressive Insurance Coverage Add-Ons

Below are some extra types of coverage that are mentioned in many Progressive insurance reviews.

Progressive Add-OnCoverage Details
Roadside AssistanceThis includes towing, lockout services, flat-tire changes, and fuel delivery.
Loan/Lease PayoffThis coverage option will pay for the difference between your totaled car’s market price and the amount you have left on your loan. However, unlike gap insurance, it will only cover up to 25% of the current value of your car.
Rental Car ReimbursementThis covers about $30 to $50 per day for a rental car if your car has been in a covered accident.
Custom Parts and Equipment ValueThis coverage option will pay for replacement items you’ve added to your car. For example, if you installed a $1,000 subwoofer and then got into an accident, this option would repair or replace it.
Rideshare InsuranceMany rideshare apps only offer extended coverage when you’re actually on a pickup or drop-off route, not when you’re waiting around on the app to get a trip. This Progressive auto insurance option extends your rideshare coverage for that period of time.
Deductible Savings BankThis option decreases your deductible by $50 every six months you go without a claim.
Pet Injury CoverageIf your pet is injured in an accident while riding with you, Progressive will cover up to $1,000 in vet bills.

Progressive Accident Forgiveness

Accident forgiveness will prevent your rates from rising after one accident. Progressive offers a few accident forgiveness choices.

  • Small accident forgiveness: This option gets praised in many Progressive insurance reviews for forgiving accidents with claim values of under $500. New Progressive customers automatically get this program added to their policies in most states and can use it once.
  • Large accident forgiveness: This program forgives one at-fault accident with a claim value of over $500. It is included automatically for customers who have been with Progressive for at least five years and haven’t filed a claim.
  • Accident forgiveness benefit: You can also purchase accident forgiveness for an additional fee at any time. This benefit applies once per period and will be used only after your loyalty-based forgiveness benefits have been used up.

Progressive Deductible Savings Bank

The Progressive Deductible Savings Bank® is a policy add-on that you can select when purchasing coverage. This benefit earns you a $50 reduction in your deductible over the next six-month period if you go without an accident or a speeding ticket.

The reduced deductible will apply at the beginning of each new policy period and can reach zero for safe drivers. Those with policies on other vehicles such as motorcycles, recreational vehicles (RVs), or boats can use the add-on to get 25 percent lower deductibles for each year they go without making a claim.

Does Progressive Cover Rental Cars?

Your Progressive auto insurance policy covers rental cars at the same limits as your personal car insurance policy. This can be an issue if your car is old since coverage might be less than what’s best for a new car rental.

Progressive offers supplemental liability protection, personal accident insurance, and personal effects coverage which can help cover rental car damages. Depending on your situation, you may want to opt for a collision damage waiver when you’re renting a car.

Progressive Non-Owner Car Insurance

Progressive offers non-owner car insurance, and it can be good for those who don’t have access to a household car or for people who borrow or rent cars often.

Does Progressive Cover Rideshare Drivers?

Yes, Progressive can cover rideshare drivers. This add-on covers you when you’re signed in to the app and waiting to get a trip or food delivery assignment.

Can Progressive Cover Classic Cars?

Yes. Progressive partners with Hagerty, a specialty insurance company that covers classic cars. This coverage is often cheaper than standard insurance because classic cars spend less time on the road. 

Can Progressive Cover SR-22 Insurance?

Yes, Progressive can provide SR-22 insurance. An agent can file an SR-22 form with your state showing you maintain coverage if this is required after a violation or conviction.

What Progressive Is Missing

Progressive offers quite a few add-ons, but there are a handful of things the company doesn’t offer, like trip interruption and new car replacement coverage.

How Long Does A Progressive Claim Take?

Progressive came in 16th place out of 21 companies in the J.D. Power 2022 U.S. Auto Claims Satisfaction StudySM, so claims may take longer than average. Our consumer survey found that 29 percent of Progressive claims took longer than four weeks to be resolved.

How To Cancel Progressive Car Insurance

To cancel a Progressive car insurance policy, you need to contact an insurance agent or a customer service representative by phone, email, or mail. You can cancel your policy effective on that same day or can schedule a cancellation in the future.

Other Progressive Insurance Products

As a large insurance company, Progressive offers a wide variety of insurance products.

  • Home insurance
  • Life insurance
  • Business insurance
  • Motorcycle insurance
  • Condo insurance
  • Renters insurance
  • Travel insurance



Progressive Insurance Customer Reviews

While some people find affordable premiums, Progressive insurance reviews are mixed at best in terms of customer satisfaction. Progressive has an A rating from the BBB, but it has a low customer score of 1.1. That said, the number of people who have reviewed Progressive on the BBB make up a small fraction of customers. Below are some positive reviews along with some complaints relating to Progressive’s services.

Pleased Progressive customers mention patient and helpful agents and a quick claims process. Some Progressive customers complain about Progressive insurance costs, while others mention being overcharged. While mistakes are inevitable with large car insurance companies, the best providers resolve such issues as soon as possible.

Progressive has closed over 2,000 complaints posted to its BBB page in the past year. While this may sound like a lot, keep in mind that the insurer manages millions of policies. The number of complaints filed with the BBB is less than 0.1 percent of Progressive’s total customer count.

Progressive Customer Service

Our team surveyed nearly 7,000 customers on their experiences with their auto insurers and 1,161 respondents had purchased Progressive insurance. Progressive earned 4.1 out of 5.0 stars for customer satisfaction and ranked 12th out of 15 companies in our survey. Here are a few more scores from our survey:

Aspect SurveyedProgressive Rating (Out Of 5.0)Industry Average Rating (Out Of 5.0)
Overall satisfaction4.14.2
Customer service4.04.0
Coverage selection3.93.9
Claims service4.14.2
Mobile app rating4.24.2

Progressive Insurance App

The Progressive app lets you manage your policy and view documents from anywhere you have a phone connection. Specifically, you can:

  • View policy information
  • Pay your bill
  • View ID cards
  • Start and manage a claim
  • Get roadside assistance

Customers generally give the Progressive app positive feedback. The app has 4.8 stars out of 5.0 based on 183,000+ reviews on the App Store. On Google Play, the Progressive app has 4.6 out of 5.0 stars from 106,000+ customer reviews.



Progressive Auto Insurance Reviews: Conclusion

Our team rated Progressive insurance 4.4 out of 5.0 stars for its many insurance options, valuable add-ons, and extensive company history. It also has an easy quote process and is available across the entire U.S. While Progressive insurance reviews make clear that it’s a good option, we urge you to compare providers to find the best deal for you.

Progressive Auto Insurance Competitors: Top Picks

We recommend Progressive, but it’s always smart to get auto insurance quotes from a couple of providers before signing up for a policy.

We recently compared the industry’s most popular car insurance companies and found that Progressive, USAA, Geico, and State Farm provide excellent values. USAA offers compelling auto insurance for military members and veterans, Geico has low prices, and State Farm provides a positive customer service experience during quotes and claims.

Read our comprehensive auto insurance reviews below to compare these companies with our Progressive insurance review.

  • USAA: USAA is our top pick for military members. The company offers cheap rates and has a reputation for great customer service.
  • Geico: Geico is another solid pick for car insurance. Geico offers 16 discounts and mechanical breakdown insurance, which is similar to an extended warranty.
  • State Farm: State Farm is our top pick overall as it offers great rates, good coverage options, and a variety of useful programs for students and safe drivers.
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