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Progressive is the nation's third-largest automobile insurer and it covers millions of drivers each year. However, Progressive insurance reviews vary. Our own research shows that coverage can be a good option for drivers who are in their 20s and people with a DUI in their history.

We’ve wanted to see how Progressive matched up with the best car insurance companies from our research. In addition to Progressive insurance reviews, we also looked at financial stability and insurance coverage options. Since you’re most likely required to carry car insurance in your state, you might as well go with a reputable company.

 

In this article:

 


 

Progressive Overview

You’d have to be living under a rock to not know who Flo is. As the youthful face of Progressive, she wields the Name Your Price® tool and promises to get you great rates.

Progressive is one of the top auto insurers in the United States and wrote over $31 billion in insurance premiums in 2019, according to the National Associations of Insurance Commissioners. AM Best gives Progressive an A+ rating in financial strength, which means it has superior financial ability to meet insurance claims. The Better Business Bureau (BBB) too rates the insurer highly at A-.

The company has been around since 1937, but it continues to evolve with the times. Progressive auto insurance was the first insurance that people could purchase on the internet in 1997. The company was also the first to introduce a usage-based insurance option in 2008. As one of the largest insurance providers in the industry, Progressive offers a number of different coverage options. Unfortunately, studies based on Progressive auto insurance reviews tell us that the claims process is about average.

 


 

Progressive Auto Insurance Coverage

These are the main types of auto insurance that you will find with Progressive and almost any other major provider:

  • Bodily injury and property damage liability (BI/PD)
  • Collision insurance
  • Comprehensive car insurance
  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Underinsured/uninsured motorist coverage (UM/UIM)

Additionally, Progressive offers a few extra types of coverage. These add-ons are one reason why Progressive insurance reviews well.

Progressive Add-On Coverage Details
Roadside Assistance This includes towing, lockout services, flat tire changes, and fuel delivery.
Loan/Lease Payoff This 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 Reimbursement This covers about $30 to $50 per day for a rental car if your car has been in a covered accident.
Custom Parts and Equipment Value This coverage option will pay for replacement items that you’ve added to your car. For example, if you installed a $1,000 subwoofer and then got in an accident, this option would repair or replace it.
Rideshare Insurance Many rideshare apps only offer extended coverage when you’re actually on a pickup or dropoff 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.
 
 

 


 

Progressive Auto Insurance Costs And Discounts

At the end of the day, drivers in low-cost states pay about $137 per month for Progressive car insurance, according to Progressive’s website. Drivers in medium-cost states pay around $167, and those in high-cost states pay about $232. Many Progressive insurance reviews that disclose prices mirror these rates. 

Based on data from our research, these are averages prices for drivers in a few different ages and listed genders:

Age and Listed Gender Annual Rate Estimate
24-year-old male $2,042
24-year-old female $1,961
35-year-old male $1,311
35-year-old female $1,392

 

Progressive Insurance Cost By State

The state where you live can dramatically affect what you pay for Progressive insurance. This is due to a variety of reasons, including state regulations on insurance pricing, insurance requirements, and the population density of the state. 

Here's how Progressive's average rate estimates compare to each state's estimates (where data was available). These estimates apply to 35-year-old drivers with good credit and good driving records. You can see that Progressive is cheaper than average in some states but more expensive than average in others.

State Progressive Annual Cost Estimate State Average Cost Estimate

Alabama

$1,385

$1,448

Alaska

$1,307

$1,287

Arizona

$1,277

$1,625

Arkansas

$1,478

$1,449

California

$1,709

$2,339

Colorado

$1,426

$1,672

Connecticut

$1,296

$1,885

Delaware

$1,268

$1,921

Washington, D.C.

$1,741

$1,787

Florida

$2,393

$2,894

Georgia

$1,418

$1,548

Hawaii

$1,500

$1,238

Idaho

$890

$1,089

Illinois

$1,158

$1,474

Indiana

$1,041

$1,087

Iowa

$1,054

$1,095

Kansas

$1,320

$1,364

Kentucky

$1,326

$1,817

Louisiana

$2,944

$3,828

Maine

$976

$995

Maryland

$1,474

$1,941

Massachusetts

$3,054

$2,568

Michigan

$1,682

$4,390

Minnesota

$1,823

$1,487

Mississippi

 $1,335

$1,357

Missouri

$1,521

$1,741

Montana

 $1,412

$2,214

Nebraska

 $1,446

$1,372

Nevada

 $1,486

$2,332

New Hampshire

 $752

$1,181

New Jersey

 $1,326

$2,108

New Mexico

 $1,325

$1,356

New York

 $1,310

$3,964

North Carolina

 $1,398

$1,277

North Dakota

 $988

$1,310

Ohio

 $947

$923

Oklahoma

 $1,494

$1,630

Oregon

 $1,068

$1,284

Pennsylvania

 $1,501

$1,405

Rhode Island

 $1,670

$1,923

South Carolina

 $1,192

$1,592

South Dakota

 $1,622

$1,331

Tennessee

 $1,055

$1,217

Texas

Data not available

$2,067

Utah

 $1,090

$1,446

Vermont

 $1,627

$1,013

Virginia

 $913

$1,079

Washington

 $867

$1,271

West Virginia

 $1,221

$1,390

Wisconsin

 $771

$946

Wyoming

Data not available

$1,499

 

How Can You Save With Progressive?

Progressive claims that drivers can save an average $750 on their car insurance policy. To help you save, Progressive offers several discounts, stating that 99 percent of policyholders are eligible for at least one discount. 

Progressive Discount Details
Multi-Policy  Get a nearly 5% policy discount if you decide to bundle home and auto insurance or another type of coverage.
Multi-Car Save about 12% if you have more than one car listed on your Progressive policy.
Continuous Insurance Earn a discount if you are consistently insured with no gaps or cancellations.
Teen Driver Earn a discount if you add a driver to your policy who is 18 years old or younger.
Good Student Discount Save if you have a student on your policy who maintains a "B" average or better.
Distant Student Discount Get 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.
Homeowners Earn 10% off if you are a homeowner.
Online Quote Save about 4% if you get an online Progressive quote.
Sign Online Save about 8.5% if you choose to sign your documents online.
Paperless Lower your payment by choosing to receive documents via email (only applicable in combination with the sign online discount).
Pay in Full Save on car insurance by paying your six-month policy upfront.
Automatic Payment Get a lower rate by setting up automatic payments from your checking account. This discount can not be combined with the pay-in-full discount.
 
 

 

Availability may vary by state. While some car insurance providers offer discounts to military members and their families, it should be noted that there is no Progressive military discount.

Other Money-Saving Features

Beyond discounts, Progressive has other ways for customers to save money on monthly payments and deductibles. The safe driver discount program Snapshot® tailors your auto insurance policy price to the way that you drive, and a deductible savings bank earns you $50 toward your next deductible for every six-month period without an accident or ticket.

 

 

 


 

Progressive Auto Insurance Reviews

While many people find affordable premiums with Progressive, Progressive reviews are mixed in terms of customer satisfaction, which is common with insurance providers. Looking at Progressive’s BBB page, the company has closed over 1,000 complaints in the last year. That sounds like a lot, but remember that the insurer also has millions of policies, so the number of complaints filed with the BBB is less than 0.1 percent.

Positive Progressive Insurance Reviews

"I was in car accident and was treated with great care and respect. I got the coverage I was due in a timely manner. And I can't say enough about the representative in Fort Collins, C.O. who was incredibly kind and helpful."

- Karen G. via BBB

"After our car was totaled in a hail storm in North Texas, the company appraiser and settlement people were very helpful and patient when walking us through a fairly complex procedure while making the process less stressful for us. There was a minor error with getting the correct address information for our bank, which was quickly adjusted."

- Sandy Z. via BBB

Negative Progressive Insurance Reviews

"I had a policy for Progressive. It was overpriced, and [the company's] customer service was awful and unprofessional. I found a different company that offered more and better coverage with amazing customer service for a fraction of the cost."

- Stephanie S. via BBB

"Progressive took out payment from my bank account after I had already made a payment. After I called and explained that the money they took was my rent money and I would need it back as soon as possible, they told me that there was nothing they could do and I would have to wait 12 business days for a refund and offered no apology."

- Jennifer T. via BBB

How Long Does A Progressive Claim Take?

According to the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, auto claims take about 10 days on average to resolve. Progressive came in 16th place out of 23 companies in the study, so Progressive customers can expect claims to take around 10 days or slightly longer on average.

How To Cancel Progressive Car Insurance

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

 


 

Apps And Technology

Progressive's website is a step ahead of the competition with the Name Your Price tool and a price comparison tool that lets you compare rates between insurance companies. Name Your Price doesn’t necessarily save you money, but it lets you see a plan configuration that fits your budget quickly. When you input your desired payment, you will receive coverage recommendations that suit your budget. It certainly can save you time, and time is money.

Snapshot App

With Snapshot, you can download a mobile app or receive a plug-in device in the mail and drive normally for six months while it tracks your habits. Depending on your driving, your car insurance rate could go down. However, some people see their Progressive rates go up, so that’s something to consider. Progressive says most people with good driving habits get a $145 discount at the end of the Snapshot program.

 


 

Our Take On Progressive: 4.5 Stars

We rated Progressive 4.5 out of 5.0 stars because of its variety of coverage, valuable add-ons, and long history in the industry. If you can find a good rate, then Progressive is a smart bet and will fulfill covered claims based on many positive Progressive auto insurance reviews.

Progressive Pros Progressive Cons
Good choice for high-risk drivers Average customer satisfaction
Easy quotes process Higher rates than some competitors
Superior financial strength rating and A- rating from the BBB  
Nationwide availability  
 

Other Top Choices For Car Insurance

While we highly recommend Progressive, it’s always smart to get 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 Progressive, USAA, Geico, and State Farm to provide the best value when looking at the big picture. USAA offers excellent auto insurance for military and veterans, Geico has great ratings across the board, and State Farm provides a positive customer service experience during quotes and claims.

Read our comprehensive USAA auto insurance review, Geico auto insurance review, and State Farm auto insurance review to see how these companies compare to Progressive.

 

 


 

FAQ About Progressive Car Insurance

How much is Progressive auto insurance?

On average, people pay between $137 and $232 per month for Progressive auto insurance depending on the state they live in. Costs can be influenced by a number of things like population density, driving history, and state insurance regulations.

What kind of insurance does Progressive offer?

Progressive offers insurance that can cover anything from a classic car to a boat or golf cart. The company also provides home, health, property, pet, travel, and life insurance, as well as Progressive professional liability insurance.

Vehicle Insurance Property Insurance Personal Insurance Business Insurance
ATV/UTV Condo Dental Business owners policy
Auto Flood Health Commercial auto
Boat Home security Identity theft protection General liability
Classic car Home warranty Life Professional liability
Golf cart Homeowners Pet Workers' compensation
Mexico auto Homeshare Phone and electronic device  
Motorcycle Mobile home Travel  
PWC Renters Umbrella  
RV   Vision  
Segway   Wedding and events  
Snowmobile      
 
 

Does Progressive auto insurance raise rates after six months?

Progressive recalculates its rates every six months, but that doesn’t mean your Progressive auto insurance rate will go up. It will probably increase if you have been in an accident or received a ticket. It could also go up if you move into a more populated area.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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