Progressive Commercial Auto Insurance Review and Quotes (2025)

Progressive offers specialized commercial auto insurance coverage for small businesses, contractors, rideshare drivers, and large fleets. Whether you’re insuring a single food truck, a for-hire vehicle, or a dozen delivery vans, Progressive provides protection to help safeguard your business assets.

Progressive doesn’t offer many add-on coverages to customize your policy, and some vehicles aren’t eligible for coverage. But it provides helpful tools like Snapshot ProView to track and improve fleet safety.

Progressive commercial auto insurance at a glance

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JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	622
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.7 /10

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Driver Reviews

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Competitive rates

Easy buying process

Telematics program

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Competitive rates

Easy buying process

Telematics program

Reviews (6,966)

Alan

Verified Review

First year using Progressive

Reviewed in Florida on July 2025

It will be 1 year in September. No claims. Good company. Great website. Haven't tested their service.

Diane

Verified Review

Not a Happy Camper

Reviewed in South Carolina on July 2025

Poor communication with claims of a minor no-fault accident and just not good enough communication with assistance. There was no clear communication in a timely fashion. I had unneeded things removed from the policy, and the agent never removed them. In fact, I'm still overinsured, and nothing has been done as of this date! I'm paying $200+ for 6 months. We are of retiring age, and this is absolutely not a fair price!

Cynthia

Verified Review

Disappointed and Should Not Be

Reviewed in Texas on July 2025

I received a rate that was cheaper from Progressive and called to attempt to get the lower rate that was sent. It was a very complex, confusing, and unpleasant situation. That quote was almost $150 lower than what I was paying with Progressive. Without my permission, the customer service representative ran my information and said I could get the rate if I started a new application. Since I was already a customer, it did not make sense, so I started to look at other insurance rates, and they were in the same ballpark as the rate from Progressive. I will be leaving them and going to a new insurance company within the next week. Customers that you already have, who pay on time and are faithful, should always be prioritized.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Progressive offers flexible and robust commercial auto insurance coverage for various business types. With options available for everything from contractor vans to tractor trailers, Progressive can tailor a policy to meet your company’s unique insurance needs.

Along with price transparency, it stands out for its fleet management tools and accessible claims process. Depending on your business type, the company states that average premiums can range from $257 per month for contractors to $1,041 per month for a for-hire transport truck.^[1]

For small to midsize businesses, contractors, delivery services, and fleets requiring coverage, Progressive is worth considering.

Pros

• Covers many types of vehicles

• Telematics-driven safety program

• Price transparency

Cons

• Some specialty or older vehicles may be ineligible for coverage

• Few optional coverages available

• Not available in Washington, D.C.

How Progressive commercial auto insurance works

Progressive commercial auto insurance offers protection for business-use vehicles, including liability coverage, physical damage protection, and specialized add-ons for hired and non-owned vehicles. Policies are designed around business vehicles’ specific risk profiles and usage.

One standout feature the company offers is Snapshot ProView. This telematics tool tracks driver behavior and vehicle usage, helping businesses manage fleet safety and potentially qualify for discounts. Fleet management tools through the program include:

• Near-live vehicle tracking

• Geofencing

• Trip reporting

• Safety scorecards

To simplify coverage management and reduce costs, Progressive also allows bundling with other business insurance policies. Whether you run a one-person handyman business or operate a fleet of box trucks, you can customize Progressive’s policies to fit your operation.

You can get an insurance quote online or through an independent insurance agent. In addition to quotes, the company can assist with state filings in select states and federal filings for interstate trucking, hazardous cargo, for-hire trucking, and for-hire passenger transportation.

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Progressive commercial auto discounts

Commercial auto insurance discounts can help you maximize your savings on coverage, so it’s important to pay attention to what insurance companies offer.

With Progressive, discounts primarily focus on your relationship with the insurer and safe driving. See below for some of the discounts the insurer offers:

Business Discount Type	Potential Savings
Prior insurance (if you’ve maintained continuous coverage for 12 months preceding your quote)	Not disclosed
Multi-product bundling	Not disclosed
Pay in full	13%+
Electronic payment	Not disclosed
Personal vehicle bundling	Not disclosed
Smart Haul program	12%+
Snapshot ProView	8%–20%

Progressive commercial auto ratings

Financial strength and customer satisfaction ratings are essential considerations when choosing a commercial auto insurer. Strong financial ratings indicate the company’s ability to pay claims reliably, even during widespread events or economic downturns.

Customer satisfaction scores reflect real-world service quality, including claims handling, billing, and support. These ratings help business owners assess an insurer’s trustworthiness, stability, and overall value before committing to a policy.

Overall, Progressive has strong financial strength, ranking just below the best possible score.^[2] While J.D. Power doesn’t include the insurer in its small commercial insurance satisfaction study, Progressive has a high volume of customer complaints compared to other commercial insurers. Here’s a look at Progressive’s industry ratings:

Rating Source	Score	What This Means
AM Best Financial Strength	A+	Very reliable
J.D. Power Small Commercial Insurance Customer Satisfaction	Not rated	Not rated
NAIC Commercial Complaint Index	2.95	More complaints than expected

Progressive commercial auto coverage options

Progressive provides basic coverage options plus a few add-ons. But its customization options are limited compared to other commercial auto insurers. Coverage options include the following:^[3]

• 

  Liability coverage

  Liability insurance pays for bodily injury and property damage if you or an employee causes an accident while driving a business vehicle. You can choose split limits or a combined single limit. It’s important to note that commercial liability limits are typically higher than personal auto policy limits due to increased exposure for businesses.

• 

  Comprehensive and collision coverage

  Comprehensive insurance pays for business vehicle damage caused by theft, vandalism, fire, or weather events. Collision insurance pays for vehicle repairs if your car hits another car or object, regardless of fault.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for damage if a driver without insurance or inadequate coverage hits your commercial vehicle. It can cover medical bills and vehicle repair costs.

• 

  Medical payments coverage

  Medical payments coverage helps pay for medical expenses for the driver and their passengers after an accident, no matter who was at fault.

• 

  Hired auto coverage

  Hired auto coverage protects vehicles that you rent, lease, or borrow for business purposes. It extends your existing liability protection to that vehicle.

• 

  Non-owned auto coverage

  Non-owned auto coverage applies when employees use their personal vehicles for work tasks. If they’re involved in an accident during a business errand, this coverage helps protect your company from liability.

• 

  Roadside assistance coverage

  Roadside assistance pays for up to one hour of labor if a covered vehicle breaks down. Services include towing, locksmithing, flat-tire changes, fuel or fluid delivery, jump-starts, and more.

Additional business insurance options

In addition to commercial auto insurance, Progressive offers several business insurance products, including the following:

• General liability insurance: This provides protection against lawsuits stemming from regular business operations.

• Professional liability insurance: Also known as errors and omissions insurance, it protects you against lawsuits arising from professional advice and services you provide.

• Business owners policy: This policy includes property and liability insurance in one package.

• Cyber insurance: Cyber insurance protects your business against threats to computer systems and data.

• Contractors insurance: This protects contractor businesses against work-related accidents and lawsuits.

• Inland marine insurance: Inland marine insurance offers additional coverage for tools and equipment that are lent, transported, or stored away from your business. You can purchase it as an add-on to a general liability or business owners policy.

• Workers’ compensation: This provides financial support for employees who are injured or become sick on the job and also protects employers from workplace injury-related lawsuits.

Bundling these with your commercial auto policy can offer convenience and potential cost savings.

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