Progressive Auto Insurance: User Reviews and Quotes (2024)

Progressive offers competitive rates and a positive shopping experience, but drivers should consider potential customer service issues.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated July 1, 2024

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Progressive is the second-largest auto insurer in the United States, and the company collected more than $51 billion in premiums in 2022.

Customers may be drawn to Progressive because it makes shopping for coverage easy, offers in-person support from more than 38,000 agents, and has rates on par with its competitors. But imperfect customer service ratings are worth paying attention to before you apply for coverage.[1]

Keep reading to learn about Progressive’s pros, cons, and coverage options so you can decide whether this insurer will meet your auto insurance needs. Even if you’re set on Progressive, comparing multiple insurers is the best way to find the cheapest coverage.

Quick Facts
  • Progressive offers liability insurance for $77 per month and full-coverage insurance for $134 per month.

  • Progressive’s Name Your Price tool makes it easy to find the right coverage for your price range.

  • Progressive offers accident forgiveness for large and small accidents.

How Progressive compares to other insurance companies

Progressive’s average rates and customer service ratings are on par with its competitors, Allstate, GEICO, Liberty Mutual, and State Farm. The insurer isn’t among the cheapest car insurance companies, but it doesn’t charge the highest rates either.

While its customer reviews are better in some markets than others, the insurer generally comes in just below average in terms of customer satisfaction in J.D. Power studies.[1] Progressive does have a fairly positive National Association of Insurance Commissioners (NAIC) complaint index score of 0.89, which signals a lower-than-average number of complaints for a company of its size.[2]

The table below offers more insight into how Progressive stacks up.

FactorHow Progressive Compares
RatesAverage
Customer serviceSimilar to competitors
DiscountsSimilar to competitors
AvailabilitySimilar to competitors
Financial strengthSimilar to competitors
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Recent Progressive Updates

The Alameda County District Attorney filed suit against Progressive Corporation and its affiliates, alleging that software improprieties allowed Progressive to make lowball settlement offers.[3]

How Progressive rates compare to competitors

Progressive offers liability coverage for an average of $77 per month and full coverage for $134 per month.

Progressive’s rates are similar to other large insurers. But the company’s unique Name Your Price tool allows for more customization and flexibility on premiums.

The table below shows full-coverage rates from Progressive and other popular insurers.

Full-Coverage Rates by Insurance Company

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of Progressive auto insurance

No matter the insurer, drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers to be more likely to file a claim and charge higher rates to make up for the possible financial loss.

Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and they have less experience. Senior drivers pay the lowest rates because they have the most experience.

The table below illustrates how Progressive’s monthly liability rates compare to the national average liability rates for various driver profiles.

DriverProgressive Average QuoteNational Average
Drivers with a clean record$77$105
Drivers with a speeding ticket$91$149
Drivers with an at-fault accident$99$156
Drivers with a DUI$130$177
Teen drivers$140$185
Senior drivers$47$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Progressive car insurance cost by state

Every state sets insurance minimums, which vary in coverage types and limits. Each state has a diverse population, and accident risks differ from location to location. As a result, insurance premiums often differ by geographic area, even among the biggest insurance companies.

The table below shows average Progressive car insurance rates nationwide, as the insurer offers coverage in all 50 states. Prices shown are monthly average rates for liability auto policies in most states.

StateProgressive Average QuoteState Average
Alabama$67$60
Arizona$100$93
Arkansas$69$115
Colorado$83$89
Connecticut$109$208
Delaware$154$140
Florida$184$196
Georgia$93$146
Idaho$57$69
Illinois$45$79
Indiana$54$70
Iowa$51$61
Kentucky$105$186
Louisiana$140$150
Maine$52$91
Maryland$163$184
Michigan$121$176
Minnesota$89$104
Mississippi$59$76
Missouri$72$98
Nebraska$61$92
Nevada$186$206
New Hampshire$62$60
New Jersey$209$117
New Mexico$67$69
New York$234$155
North Carolina$57$56
Ohio$64$74
Oklahoma$76$89
Pennsylvania$79$94
Rhode Island$162$158
South Carolina$109$165
Tennessee$58$77
Texas$98$119
Utah$92$105
Vermont$55$68
Virginia$82$94
Washington, D.C.$157$119
West Virginia$71$73
Wisconsin$53$62
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Progressive car insurance discounts

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 NameDiscount Amount
Bundling home and auto7%
Good student10%
Multi-car12%
Online quote7%
Sign policy documents online9%
Snapshot safe driver$23
Continuous insuranceVaries

How customers feel about Progressive

In J.D. Power’s 2023 U.S. Auto Insurance Study, Progressive was below the industry average in every region, receiving strong ratings on only usage-based insurance.[1]

Progressive’s Trustpilot rating is 1.8 of 5 stars, and the insurer has an A rating from the Better Business Bureau but 1.07 out of 5 stars.[4][5]

Customers often cite difficulty with claims and a lack of communication from the insurer.

Progressive ratings

Progressive’s overall ratings from various organizations show a company with solid financial strength but imperfect customer service.

Its A+ AM Best Rating — assigned by a leading credit-rating agency operating within the insurance industry — demonstrates Progressive’s financial stability.[6] But customer service issues are revealed when reviewing ratings from J.D. Power, a consumer intelligence company.[1]

Progressive has a decent score from the NAIC, which indicates a lower number of complaints than the average.[2]

RatingScoreWhat This Means
AM BestA+Superior rating demonstrates solid financial strength
J.D. Power

809 - California (Region average: 813)

803 - Central (Region average: 822)

801 - Florida (Region average: 810)

Mid-Atlantic - (Region average: 830)

802 - New England (Region average: 816)

818 - New York (Region average: 819)

816 - North Central (Region average: 825)

807 - Northwest (Region average: 810)

836 - Southeast (Region average: 839)

809 - Southwest (Region average: 816)

813 - Texas (Region average: 816)

824 - Usage-based insurance (Segment average: 816)

Below average in all regions except usage-based insurance
NAIC Complaint Index0.89Below complaint index average of 1.0, meaning it has fewer complaints than expected

Progressive car insurance coverage options

Every state sets minimum auto insurance requirements, which typically include bodily injury and property damage liability insurance. Some states also require other coverages, including personal injury protection (PIP) and uninsured/underinsured motorist coverage.

Like most auto insurance companies, Progressive offers policies that meet state minimums and full-coverage policies. The insurer 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:

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    With collision insurance, any crash-related losses are covered no matter who was to blame.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Comprehensive coverage

    Comprehensive insurance covers any losses not from a crash, such as hitting a tree, bad weather, vandalism, or theft.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Auto road service

    Progressive provides roadside assistance to get up and running after a vehicle breakdown.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Car rental coverage

    When a car is being repaired after a covered loss, Progressive will pay for a rental car.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    Policyholders can get their medical bills paid or funeral costs covered using medical payments coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Rideshare 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/b85ef2d0e5/banking-96x96-blue_015-dollar.svg

    Trip interruption

    Progressive pays up to $500 of covered costs after an accident occurs 100 or more miles from home.

  • illustration card https://a.storyblok.com/f/162273/150x150/42b0636613/veterinary-96x96-orange_018-paw-print.svg

    Pet injury

    Progressive covers up to $1,000 in vet bills after a pet is hurt in a collision.

  • illustration card https://a.storyblok.com/f/162273/150x150/1d8803fded/credit-and-loan-96x96-blue_019-calendar.svg

    Deductible savings bank

    Each six-month period without an insurance claim or violation earns you a $50 reduction in your deductible.

  • illustration card https://a.storyblok.com/f/162273/150x150/e4caf71395/car-sharing-96x96-orange_040-shield.svg

    Accident forgiveness

    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.

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    Loan/lease payoff

    Progressive pays the difference between the total loss payout your insurer provides and the outstanding amount due on your car loan when the insurance payment won’t cover the full remaining loan balance.

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Other options for Progressive customers

Progressive offers many additional coverages beyond auto 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.

How Progressive Snapshot works

Progressive customers may opt into Snapshot to earn discounts for safe driving. You can sign up when you buy your policy or by calling Progressive.

Snapshot is a usage-based insurance program. You’ll install an app or a plug-in device Progressive uses to monitor driving behaviors. Factors Progressive considers include:

  • Time of day you drive

  • How often you drive

  • Sudden speed changes, such as rapid accelerations or hard braking

  • How you use your mobile phone while driving

Motorists who exhibit safe behaviors will qualify for the best rates and often see premiums decrease. Riskier drivers may see their car insurance premiums increase at renewal.

Progressive insurance FAQs

If you have more questions about Progressive or what it has to offer, check out this additional information.

  • Is Progressive legitimate?

    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 financial-rating agency.[6]

  • What is the average cost of Progressive car insurance?

    The average monthly premiums for Progressive come in at $77 per month for liability insurance and $134 for full coverage. This is on par with other insurers, making Progressive a competitive option for car insurance.

  • Is Progressive good at paying claims?

    Progressive’s A+ Rating with AM Best demonstrates that the insurer has the money and financial strength to pay claims.[6] But customers aren’t always satisfied with the claims process. Progressive ranks below average in J.D. Power’s claims satisfaction survey.[1]

  • Does Progressive raise rates after six months?

    Progressive may raise 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.

  • How do you cancel your Progressive insurance policy?

    You can cancel Progressive coverage online using the app, by talking to an agent, or by calling Progressive at 1 (866) 749-7436.

Methodology

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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Jdpower.com. "2023 U.S. Auto Insurance Study."
  2. Naic.org. "Consumer Insurance Refined Search Results."
  3. Office of Alameda County. "Press Release."
  4. Trustpilot. "Progressive."
  5. Better Business Bureau. "Progressive."
  6. Ambest.com. "AM Best Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries."
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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