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Progressive Insurance Reviews

We rate Progressive a 4.3 out of 5.0 and award it “Best Usage-Based Insurance” in 2023 based on its Snapshot program and low rates for high-risk drivers.

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09/19/2023 05:47 PM

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In our industry-wide review of the nation’s best car insurance and cheapest car insurance companies, Progressive was one of our top picks. We recommend reaching out to the insurer as well as other companies to find the cheapest car insurance quotes for your situation.

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Progressive Auto Insurance Reviews

We give Progressive insurance an overall rating score of 4.3 out of 5.0. Our scoring is aggregated from Progressive’s performance across four areas — cost, coverage, reliability, and customer service.

Reviews Category Ratings Score
Cost 4.4
Coverage 4.4
Reliability 4.0
Service 4.3
Overall Rating 4.3

Our review team calculated these scores using the methodology from our unbiased assessments of auto insurance companies.

How Good Is Progressive Auto Insurance?

Progressive is a low-cost national insurer with a full range of coverage options. It was one of the earliest adopters of online technology, and Progressive policies are easily handled through the mobile app. Progressive’s usage-based program, Snapshot®, appears to function well and can help infrequent drivers save big on premiums.

Pros And Cons of Progressive Insurance

To better understand these scores, here are the pros and cons of Progressive insurance:

Pros Easy auto insurance quotes process Wide range of insurance products Good choice for high-risk drivers Highly rated mobile app
Cons Average customer satisfaction ratings Higher rates than other insurers Snapshot program can raise rates for some drivers

Progressive Insurance Rating

Better Business Bureau (BBB) rating: F

BBB complaints in the past three years: 4,037

J.D. Power customer satisfaction index: 859 / 1,000

Progressive customer service isn’t quite as well-reviewed as Geico’s or USAA’s, though the insurer’s complaint volume is relatively low. Most Progressive insurance reviews find the company to be reliable and professional. Progressive may be an especially attractive option for drivers with a recent DUI or accident on their driving record.

Progressive Auto Insurance Customer Satisfaction

In our 2022 car insurance survey, our team polled nearly 7,000 people to find out their overall satisfaction with their car insurance provider. Of those who participated, 17 percent reported having a Progressive car insurance policy. The Progressive policyholders in our survey gave Progressive an overall customer satisfaction rating of 4.1.

Here’s a further look at how Progressive was rated across several categories:

Survey CategoryRating
Overall Satisfaction$4
Coverage Selection$4
Customer Service From Agents$4
Claims Service$4

*Scores are out of 5.0.

Additionally, we found that 41 percent of the 1,000 respondents had experienced a rate increase without an obvious cause like an accident or ticket. Around 43 percent of the 111 people with a Progressive policy mentioned they had experienced a rate increase without an obvious reason.

The sections below provide further information on Progressive’s overall customer satisfaction.

Progressive Insurance Reviews: BBB

As with all insurers, there are both positive and negative Progressive insurance reviews. The company is F-rated on the BBB for failure to respond and resolve customer complaints. Progressive has had over 4,000 complaints from customers over the past three years. While this may seem like a large of number of complaints, it’s relatively low for a company of its size.

Progressive Mobile App

Coverage, payments, and claims can be managed through the Progressive insurance app, which has a 4.6 out of 5.0-star rating on Google Play and a 4.8 out of 5.0-star rating in the App Store. These ratings are about as high as some of the best insurers’ apps, and reviews are good enough to indicate that the app works properly. Negative reviews regard Progressive service and not the functioning of the app itself.

Progressive Auto Insurance Customer Reviews

In many instances, reviewers are happy with the claims experience and report that claims were handled quickly and professionally. On the other hand, some complain about Progressive’s suggested mechanics, while others report a poor experience filing liability claims after they were hit by a Progressive customer. These experiences appear to be the minority, but they do occur.

Positive Progressive Insurance Reviews

“My car was totaled by a freight truck at full speed on the highway. Progressive handled everything beautifully from processing the claim, to settlement, to issuing new coverage for my replacement vehicle.”

– Tatyana B. 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.”

– Sandy Z. via BBB

Negative Progressive Insurance Reviews

“Nothing but problems when it comes to filling a claim. My car was repaired incorrectly twice by Progressive’s go-to mechanics.”

– Mike C. via BBB

“I was hit by a Progressive-insured driver [and] it’s been [over one] month without a single answer. They don’t care about your car, they don’t care about your time.”

– Juan M. via BBB

About Progressive

Founded: 1937
States available: All states
AM Best financial strength rating: A+

Progressive is a well-established, storied company that offers auto insurance to drivers in every state. It is among the largest corporations in the U.S. by revenue and wrote over $35 billion in premiums in 2021. Combined with its A+ financial strength rating from AM Best, drivers can be confident in Progressive’s reliability when it comes to meeting claims obligations.

Progressive Auto Insurance Coverage

Like most auto insurance providers, Progressive offers the following six types of standard coverage:

Progressive Car Insurance Coverage Coverage Details
Liability Bodily injury liability insurance covers the medical expenses for other drivers and their passengers after an accident in which you are at fault. Property damage liability insurance pays for damages to other drivers’ vehicles after an accident you caused.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Progressive Coverage Options

In addition to the policies mentioned above, Progressive offers several add-on insurance options, such as:

Loan/Lease Payoff Covers the difference between what you owe and actual cash value after a total loss claim
Rental Car Reimbursement Reimbursement for rental car expenses while your vehicle is in the shop for covered repairs
Custom Parts and Equipment Value Custom coverage for your stereo, navigation system, and even paint job
Rideshare Coverage Required if you use your car for a rideshare service
Roadside Assistance Provides services for towing, lockouts, flat tire changes, and fluid delivery

Because it is such a large company, Progressive is able to offer high coverage limits on all of its policies.

How Long Does A Progressive Claim Take?

According to Progressive, claims are typically resolved within seven to 14 days. Repair times can vary depending on the specific damage. There have been customer reports of long waits for claims handling, but these experiences seem to be exceptions.

How To Cancel Progressive Car Insurance

Progressive customers can cancel their car insurance coverage at any time by phone, mail, or email. You can cancel your coverage immediately or schedule a date later in the future. If you already paid your car insurance premium in full, you’ll receive a prorated refund for the canceled portion.

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How Much Does Progressive Insurance Cost?

While Progressive isn’t the most affordable provider on average according to our cost estimate data, it is competitive. Our rate averages show most drivers pay $1,611 per year or $134 per month for full-coverage car insurance, which is just below the national average of $1,730 per year.

Progressive Car Insurance Cost Comparison

Your car insurance costs with Progressive will depend on numerous factors, which we’ll talk about in further detail below. The best way to determine how much you will pay for car insurance is to shop around for coverage..

To provide a better understanding of Progressive’s costs, the table below shows annual rate averages for full-coverage policies for a 35-year-old married driver with good credit and a clean driving record.

Progressive High-Risk Auto Insurance Rates

We find that Progressive tends to be especially attractive for high-risk drivers–that is, those with a recent accident, DUI, or speeding ticket.

Traffic ViolationProgressive’s Estimated National Average Per Year
Speeding Ticket (16 to 20 mph over limit)$2,311
DUI Conviction$2,328
Accident (single vehicle $2,500)$2,822
Accident (single vehicle $2,500 + 16 to 20 mph over limit)$3,329
Two Accidents$3,977

Progressive Car Insurance Rates by Age

One of the factors that significantly impacts car insurance rates is age. We find Progressive rates to be more expensive than the national average for most ages.

AgeProgressive Average Annual Cost Estimate

Progressive Car Insurance Rates by State

The state where you live also factors into what you pay for car insurance. Below, you can see how Progressive estimates vary by state.

StateAnnual Rate EstimateStateAnnual Rate Estimate
District of Columbia$1,537Florida$2,733
Nevada$1,667New Hampshire$892
New Jersey$1,802New Mexico$1,572
New York$1,300North Carolina$1,655
North Dakota$1,243Ohio$963
Pennsylvania$2,151Rhode Island$1,924
South Carolina$1,611South Dakota$2,082
West Virginia$1,492Wisconsin$1,445

*Cost information not available for Progressive auto insurance in Idaho, Minnesota, or Wyoming.

Is Progressive Expensive?

During our industry-wide research, we found that Progressive costs are average compared with other providers like Geico and State Farm. Our research shows that Progressive rates are about seven percent below the national average for full-coverage policies. 

Progressive Rates Compared To Others

To get a better idea of how Progressive’s full-coverage and minimum-coverage policy prices compare to other major providers, see the table below:

Car Insurance Company Minimum Coverage Annual Rate Estimate Full Coverage Annual Rate Estimate
USAA $333 $1,054
State Farm $543 $1,481
Geico $468 $1,308
Progressive $687 $1,611
Nationwide $613 $1,281

Progressive Car Insurance Quotes

Six icons representing factors that affect the cost of car insurance

Car insurance rates depend on a number of factors, such as:

  • Age
  • Gender
  • Marital status
  • Credit score
  • Location
  • Vehicle
  • Driving history

The policy you choose and your deductible will also affect your final rate. Because rates vary from driver to driver, the best way to get an idea of what you’ll pay for coverage is to reach out for a personalized car insurance quote.

Progressive Car Insurance Discounts

In addition to offering low rates for high-risk drivers, Progressive offers a number of useful insurance discounts. You may find the cheapest policies with Progressive if you are able to take advantage of any of the following discount opportunities:

Progressive Auto Insurance Discounts Discount Details
Multi-Policy Discount Available to policyholders who bundle renters insurance, homeowners insurance, or other insurance products with their auto insurance from Progressive
Multi-Car Discount Discount for customers who insure more than one vehicle with Progressive
Continuous Insurance

Discount offered to customers who maintain continuous car insurance
coverage (even with another provider)

Teen Driver Discount Provides a discount for adding drivers 18 and younger to your policy
Good Student Discount Available to full-time students with a B or better grade average
Distant Student Discount

Available to full-time students 22 and younger who go to school
more than 100 miles from home without bringing their car

Homeowner Discount Offered to customers who own a home
Online Quote Provided when you purchase your insurance online or over the phone
Sign Online Discount for signing documents online
Paperless Available to customers who sign up for paperless billing
Pay in Full Provides a discount to customers who pay their premium in full up front
Automatic Payment Applied to accounts that set up recurring automatic payments
Clean Driving Record Offered to safe drivers with no tickets or accidents in the last 3 years

Progressive has several other money-saving features that aren’t exactly discounts but can result in decent savings for customers.

  • Small accident forgiveness: Claims less than $500 won’t result in raised rates
  • Large accident forgiveness: Will not raise rates on any claim provided the customer has had no accidents in the last five years and no tickets in the last three years
  • Deductible savings bank: Reduces comprehensive and collision deductible by $50 for each policy period without a violation

While not a discount, the Progressive Name Your Price® tool can help you save money. This quote tool allows customers to start their quote by listing the amount they hope to pay and then tailors policy options to that cost.

Progressive Snapshot

Progressive’s usage-based insurance program is called Snapshot. Snapshot monitors your driving habits through a mobile app. If you avoid hard braking and late-night driving, stay off your phone, and drive less overall, you can find significant savings through Snapshot.

The Snapshot app has a 3.7 out of 5.0-star rating on the Google Play store. This makes it one of the higher-rated usage-based driving apps. There are some complaints about the user interface, but the app seems to work well for most drivers. The app has an even higher 4.5 out of 5.0-star rating on the App Store.

Progressive Insurance Products

Progressive offers the following types of insurance:

  • Auto insurance
  • Classic car insurance (through Hagerty)
  • ATV insurance
  • Boat insurance
  • Dental insurance
  • Health insurance
  • Homeowners insurance
  • Life insurance
  • Mobile home insurance
  • Motorcycle insurance
  • Pet insurance
  • Renters insurance
  • RV insurance
  • Snowmobile insurance
  • Vision insurance
  • Rideshare insurance
  • Small business insurance

It's typically a good idea to purchase all your insurance products from the same insurer as most (including Progressive) offer bundling discounts.

Progressive Home Insurance Coverage

Progressive home insurance coverage protects your home and other structures including unattached garages, gazebos, decks, patios, and sheds. There are many home insurance coverage options available including dwelling coverage, personal possessions coverage, personal liability insurance, and more.

You can get Progressive homeowners insurance quotes and coverage from multiple providers by using the Homequote Explorer® tool.

Progressive Life Insurance Coverage

Progressive customers can purchase life insurance coverage through a third-party company, eFinancial. Coverage options include:

  • Term life insurance
  • Final expense insurance
  • Short-term life insurance
  • Whole life insurance

eFinancial provides several term options, ranging from one year to a permanent policy.

To find out more information about Progressive home and life insurance, you can speak to a customer service representative by calling 1-888-671-4405.

Progressive Auto Insurance Reviews: Conclusion

In this article, our editorial team gave Progressive a 4.3 out of 5.0-star rating and awarded the company “Best Usage-Based Insurance” in 2023. This score is based on the comprehensive methodology that we use to rate all car insurance companies.

Progressive Insurance Alternatives

If you’re trying to find the best car insurance coverage for your vehicle, you’ll want to shop around and compare auto insurance rates from several top providers. Progressive is a good place to start looking, but be sure to consider other auto insurance companies like Geico and USAA.

Geico: Best For Discounts

Our team named Geico the Best for Discounts and rate it 4.6 out of 5.0 stars. The company is known for offering comprehensive coverage options at affordable prices. It also provides reliable claims service to drivers nationwide and has high customer satisfaction scores.

It can often be the cheapest option for many drivers–good drivers, young drivers, and drivers with poor credit in particular.

Read our Geico insurance review for more information on this provider, such as our state cost estimates, discount options, and customer reputation.

USAA: Best For Military Members

While its auto insurance policies are available only to military members, veterans, and their immediate families, USAA is one of the best options for those who are eligible. The company boasts some of the lowest average rates of any insurer, and good drivers in particular are likely to find the lowest costs through USAA.

USAA frequently ranks high in J.D. Power studies, and the company has high customer satisfaction scores overall. It’s also a highly reliable company with an A++ financial strength rating from AM Best.

You can learn more about this provider, including average cost data, by reading our complete USAA insurance review.

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Progressive Insurance Reviews: FAQ

Below are frequently asked questions about Progressive Insurance Reviews.

What rating does Progressive have?

Yes, Progressive is a good insurance company. We rate the company 4.3 out of 5.0 stars and named it Best Usage-Based Insurance. The company has strong financial strength ratings from AM Best and many add-on coverage options.

Is Progressive good at paying claims?

Progressive scores lower than the large insurers’ average on J.D. Power’s 2022 U.S. Auto Claims Satisfaction StudySM. This means insurance claims may take slightly longer with Progressive. However, Progressive also has a lower complaint ratio than average according to the National Association of Insurance Commissioners (NAIC). Its complaint ratio is 0.67, where 1.0 is the industry average.

Is Progressive Direct insurance good?

Progressive Direct is any insurance policy you buy directly from Progressive (online, by phone, or on a mobile device). The other option is to use an independent agent. Agents offer the same coverage, but the prices may vary.

Is Progressive Insurance an A-rated company?

Progressive has an A+ financial strength rating from AM Best, which means it has a superior ability to meet its claims obligations. However, Progressive has an F rating from the BBB at this time.

Does Progressive raise rates after six months?

Progressive does not have an official policy of automatically raising customer rates after six months. Some customers have reported rate increases after six months, but these are typically because the driver had an accident or some other change in circumstance that caused rates to increase. In some cases, changing state regulations can increase insurance rates.

Are people happy with Progressive insurance?

According to Progressive insurance reviews, most customers are happy with their Progressive insurance policies. As a national insurer, service and prices can vary from state to state.

What add-on insurance options does Progressive have?

In addition to the six types of standard coverage, Progressive offers gap insurance, rental car reimbursement, custom parts and equipment value, rideshare coverage, and roadside assistance.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review methodology focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.