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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Progressive is the second-largest property and casualty insurance company in the market, offering vehicle insurance ranging from general auto and classic car insurance to motorcycle, golf cart, and international-trip car insurance.
Founded in 1937, Progressive has an A+ (Superior) financial strength rating with AM Best, and it ranks among the highest companies on J.D. Power digital experience surveys.[1] [2]
This review uses Insurify’s user reviews, industry rankings, and expert analysis to offer a comprehensive, data-driven assessment of Progressive’s performance. Here’s how Progressive stacks up when it comes to cost, claims, and customer satisfaction.
Average monthly premium: $163 per month for a full-coverage policy
Progressive user rating: 3.2/5 from 15,943 verified Insurify reviews
Insurify Quality (IQ) Score: 8.7/10
Best for: Drivers with clean records who are eligible for discounts
As the second-largest car insurance company in terms of market share, Progressive has established itself as a reliable company over the last century and earned a higher-than-average Insurify IQ Score. Its AM Best score of A+ is considered “Superior,” and the company has strong ratings with S&P and Moody’s — all of which identify Progressive as a company on solid financial footing.
Progressive’s financial reputation is much stronger than its reputation with customers. The insurer ranks below the regional and national average on customer satisfaction surveys, with the exception of the Digital Experience Study’s results, in which Progressive was above average. Progressive also has high ratings on its Apple app.
Premium rates are a priority for policyholders, and Progressive’s are competitive. Compared to 36 other insurers, which as a group averaged a monthly rate of $144, Progressive’s average monthly rate is lower at $128. While not the cheapest insurer, Progressive is a great choice for safe drivers who are eligible for its extensive discounts.
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Mallory Mooney
Director of Sales and Client Services, Insurify
[Progressive] is a good option for customers with current insurance and those without. The claims experience is great — a very simple process. Progressive has a mixed bag of customers who love the company, and customers who have had bad experiences with it. It has great rates for other products like RV, boat, and motorcycle. And its brand recognition is high.
Here you’ll see a collection of data from 15,943+ real Insurify customer reviews. The following table highlights key themes Insurify identified from these user experiences.
Category  | Average Score |
|---|---|
| Overall experience rating | 3.2/5 |
| Customer service | 3.3/5 |
| Value | 3/5 |
| Claims handling | 3.4/5 |
| Coverage options | 3.4/5 |
| Discounts | 3.3/5 |
| Policy transparency | 3.1/5 |
| Policy flexibility | 3.3/5 |
Compare rates from the nation’s leading insurance companies
Insurify user reviews are written by real Insurify shoppers who are switching car insurance companies. Our methodology asks customers about their experience with their former insurance coverage, their reasons for switching, and if they like their new insurer. All reviews are submitted by verified drivers; learn more about our user review process.
Progressive has a higher market share than most competitors, but that doesn’t mean the insurance company is always ranked above the competition.
Financial strength ratings, customer complaints and reviews, and overall customer satisfaction surveys show an insurance company’s ability to pay out claims, address policyholder problems, and satisfy a variety of customer needs.
Use these scores to understand how Progressive car insurance ratings compare to competitors like State Farm and GEICO.
Rating | Score | What This Means |
|---|---|---|
| IQ Score | 8.7/10 | Compared to competing national insurers, Progressive’s IQ Score is generally higher |
| AM Best | A+ (Superior) | Slightly higher than some competitors |
| J.D. Power | 673 | Worse than average in most customer satisfaction surveys |
| NAIC complaint index | 2.51 | More than twice as high as expected |
| BBB customer reviews | 1.08 | Similar review scores to other competitors |
 |  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $129/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $77/mo* |
Overall rating 3.2 | Overall rating 4.1 | Overall rating 4.0 | Overall rating 3.8 | Overall rating 4.9 |
Value for money 3.0/5 | Value for money 3.6/5 | Value for money 3.7/5 | Value for money 3.3/5 | Value for money 4.9/5 |
Customer service 3.3/5 | Customer service 4.2/5 | Customer service 4.0/5 | Customer service 3.8/5 | Customer service 4.8/5 |
Claims handling 3.3/5 | Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 3.8/5 | Claims handling 4.9/5 |
Special highlight Competitive ratesAI-generated from 7827 user reviews | Special highlight Customer serviceAI-generated from 6874 user reviews | Special highlight Teen driversAI-generated from 7184 user reviews | Special highlight Accident forgivenessAI-generated from 4108 user reviews | Special highlight Members of the military communityAI-generated from 1409 user reviews |
Yes, Progressive auto insurance is cheaper on average than competitors like State Farm and Allstate, but more expensive than car insurance companies like USAA. The average rates for Progressive are $95 per month for liability coverage and $163 per month for full-coverage car insurance, according to Insurify data.
Driving habits, age, gender, and more all influence car insurance premiums.[3] Teen drivers typically pay more than middle-aged drivers, for example. Progressive’s rates tend to be consistently more expensive than competitors’ for people with driving under the influence (DUI) convictions, but they’re cheaper than competitors for rideshare drivers and policyholders with poor credit scores.
With the exception of California drivers, Progressive’s overall rating with J.D. Power surveyors is usually lower than that of competitors.
Here you can take a closer look at how a Progressive policy for full-coverage insurance compares to competitor rates based on driving record.
Driving Record | Progressive | State Farm | GEICO | Allstate | USAA |
|---|---|---|---|---|---|
| Clean driving record | $163 | $108 | $141 | $142 | $100 |
| One speeding ticket | $191 | $138 | $191 | $191 | $132 |
| At-fault accident | $208 | $141 | $178 | $191 | $134 |
| DUI | $250 | $159 | $203 | $209 | $147 |
Here you can see how the same insurance companies’ full-coverage rates compare to Progressive’s for different driver age groups.
Age | Progressive | State Farm | GEICO | Allstate | USAA |
|---|---|---|---|---|---|
| Teen drivers | $287 | $222 | $251 | $304 | $188 |
| Adult drivers | $133 | $99 | $138 | $138 | $92 |
| Senior drivers | $93 | $77 | $103 | $109 | $76 |
Insurance discounts reduce costs and allow drivers to get lower rates and save on coverage. Comparing discounts is as important as comparing rates. An insurer that offers more discounts may end up providing lower premiums overall than one that charges a lower base rate but offers fewer opportunities to save.
Progressive offers many great discounts and is very transparent about how much drivers can save with each option. The table below shows the company’s discounts and the amount most drivers can save.
Discount | % Savings |
|---|---|
| Bundling home and auto | 7% |
| Good student | 10% |
| Multi-car | 12% |
| Online quote | 7% |
| Sign policy documents online | 9% |
| Snapshot safe driver | $23 |
| Continuous insurance | Varies |
Check quotes from 120+ top insurance companies
Every state sets minimum auto insurance requirements, which typically include bodily injury liability and property damage liability insurance. Some states also require other coverages, including personal injury protection and uninsured/underinsured motorist coverage.
Like most auto insurance companies, Progressive offers policies that meet state minimums and full-coverage policies. It also offers add-on coverage options that not all auto insurers offer. These include a deductible savings bank, coverage for pet injuries, and multiple accident forgiveness programs.
Here are Progressive’s coverage options:
With collision insurance, any crash-related losses are covered regardless of fault.
Comprehensive insurance covers any losses that were not caused by a crash, such as damage from hitting a tree, weather damage, vandalism, or theft.
Progressive provides roadside assistance to get your car up and running after a breakdown.
When a car is being repaired after a covered loss, Progressive will pay for a rental car.
Policyholders can get their medical bills paid or funeral costs covered using medical payments coverage.
Motorists using their cars to drive for Uber, Lyft, or similar services need this add-on, as personal car insurance policies won’t usually cover business use of a vehicle.
Progressive pays up to $500 of covered costs after an accident occurs 100 or more miles from home.
Progressive covers up to $1,000 in vet bills after a pet is hurt in a collision.
Each six-month period without an insurance claim or violation earns you a $50 reduction in your deductible.
Small accident forgiveness is available immediately and protects against premium increases for claims under $500. Large accident forgiveness won’t count larger claims against you, but it’s available only if you’ve been an accident-free Progressive customer for five years before any at-fault accidents.
Progressive pays the difference between the total loss payout your insurer provides and the outstanding amount due on your car loan. This takes effect only when the insurance payment doesn’t cover the full remaining loan balance.
Progressive offers many additional coverages beyond auto insurance, like life and home insurance. This list shows other insurance products Progressive provides, often at competitive rates.
Boat insurance: Boat insurance provides coverage against sinking, fire, theft, storms, collision, capsizing, explosion, and stranding.
Condo insurance: Condo insurance covers owners against liability and damage to the unit or property inside.
Homeowners insurance: Homeowners policies cover the dwelling, other structures, personal property inside the home, and homeowner liability.
Life insurance: Life insurance provides a death benefit for surviving beneficiaries if someone passes away during the coverage term.
Motorcycle insurance: Motorcycle insurance pays for bodily injury, damage to a motorcycle, attached sidecars, emergency roadside expenses, damage to protective gear, and trip interruption expenses.
RV/trailer insurance: RVs, campers, and travel trailers are covered, and you can also choose to add a personal articles policy to cover items inside your motor home.
Off-road vehicle insurance: Golf carts, ATVs, and other off-road vehicles are covered.
Renters insurance: Renters insurance offers liability coverage and damage coverage for personal property inside a rental home.
Policyholders can file Progressive claims online, on the Progressive mobile app, or by calling the claims center. Non-policyholders can also file a claim online as a guest or call the claims center to report a claim.
Follow these steps to file a claim with Progressive.
To file a claim online:
Visit Progressive’s website and log in to your account or click the “Claims” tab at the top of the screen, then click the “Report a claim” button.
Enter your name and phone number, then follow the prompts regarding the details of the incident.
If you’re a Progressive customer, you’ll enter your policy information. If you’re filing a claim against a Progressive customer, you’ll enter their name and policy number. Continue following the prompts.
To file a claim on the mobile app:
Open the app, tap the “Claims” button, then tap “Report a Claim,” which will take you to the Progressive website where you’ll follow the steps above.
If you have more questions about Progressive or what it has to offer, check out this additional information.
Yes, Progressive is legitimate. It’s the second-largest auto insurer by market share in the United States, and it has a Superior (A+) rating from AM Best, a trusted credit-rating agency.
The average monthly premiums for Progressive come in at $95 per month for liability insurance and $163 for full coverage, according to Insurify data. This is on par with other insurers, making Progressive a competitive option for car insurance.
Progressive’s A+ Rating with AM Best demonstrates that the insurer has the money and financial strength to pay claims. But customers aren’t always satisfied with the claims process. Progressive ranks below average in J.D. Power’s claims satisfaction survey.
Progressive may raise your insurance rates when you renew your policy, which usually happens once a year. A change in circumstances, such as moving or getting a new car, can result in a premium change outside of the renewal period.
You can cancel Progressive coverage online using the app, by talking to an agent, or by calling Progressive at 1 (866) 749-7436.
All insurance companies, including Progressive, can deny policyholder claims. Complaints on the National Association of Insurance Commissioners website, as well as complaints and car insurance reviews on sites like Trustpilot and the Better Business Bureau, do not specifically mention claim denials as a primary reason for dissatisfaction.
Yes, Progressive may increase your rates after an accident, especially if you’re at fault or if you’ve filed multiple claims. Progressive may not increase rates for customers eligible for its Small Accident Forgiveness, Large Accident Forgiveness, or Progressive Accident Forgiveness plans.
The best car insurance company offers the coverage levels you need at a rate within your budget. Progressive doesn’t have the highest rates or positive customer service reviews, but an independent auto insurance review suggests that Progressive is a good option for safe drivers who are eligible for multiple discounts (such as multi-policy, paperless, online quote, and pay-in-full discounts).
Progressive ranks lower than GEICO in AM Best ratings, J.D. Power scores, and NAIC complaint index ratings. Progressive has only a slightly better rating on Trustpilot than GEICO. Always take customer reviews into consideration, understanding that your individual experience may be different.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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