Progressive Car Insurance Review 2024 (2024)

Progressive is on our list of the best car insurance companies. It’s a good choice if you don’t have a spotless driving record. Some advantages of Progressive include:

• Decent rates if you have a spotty driving record. Progressives’s rates for drivers with a DUI are 31% cheaper than the national average. It offers SR-22 filings and nonowner insurance, which those with a DUI sometimes need. It also offers decent rates for those who have a speeding ticket on their records or who caused an accident.
• Low level of complaints. Progressive’s car insurance complaint levels have been below the industry standard for the last three years. This suggests good customer service.

Progressive won’t be the perfect fit for everyone. Drawbacks of Progressive include:

• Competitive rates but not the cheapest. While Progressive has competitive rates, it likely isn’t the cheapest company unless you’re a driver with a DUI. If you’re looking for the lowest possible price you’ll likely want to shop around elsewhere.
• Snapshot usage-based insurance may raise your rates. If you’re using Progressive’s Snapshot UBI program, which monitors driving habits, your rates could go up if your driving score is poor.

Progressive’s average rate for a good driver is $1,826 per year, based on our analysis. That’s lower than the average cost of car insurance nationwide ($2,026 a year).

Progressive Car Insurance Rates by Age

Progressive car insurance for an 18-year-old is 30% higher than the national average. But Progressive’s rates are cheaper than the average nationwide for all other ages we analyzed.

Progressive Car Insurance Rates for Adding a Teen Driver

Car insurance for a 16-year-old on a Progressive policy costs $300 a year less than the national average of $2,359 a year. That places Progressive in the middle of the pack of the companies we evaluated.

Progressive Car Insurance Rates by Driving Record

A look at Progressive’s average rates based on driving record shows it comes in lower than the national averages.

Progressive Car Insurance Rates for Good Drivers

Progressive car insurance costs are decent for good drivers. The national average rate for good drivers is $2,026 per year. Progressive’s pricing is $200 a year below that, but it’s still nearly $400 a year more than Nationwide’s rates.

Progressive Car Insurance Rates for Drivers With a Speeding Ticket

Progressive has okay auto insurance prices for drivers who have a speeding ticket. Many competitors have cheaper rates, but Progressive is still below the national average of $2,533 per year.

If you have a traffic ticket on your record, it’s wise to comparison shop for car insurance quotes because of the wide range of rates among insurers.

Progressive Car Insurance Rates for Drivers Who Caused an Accident With an Injury

Progressive’s auto insurance costs for drivers who caused an accident with an injury are higher than many competitors we evaluated. Still, its rates are less than the national average of $3,009 per year.

Progressive Car Insurance Rates for Drivers With a DUI

Progressive’s rates for drivers with a DUI on their records is the cheapest among the companies we evaluated. The national average car insurance cost for drivers with a DUI is $3,363 a year, based on our analysis of large insurers. Progressive’s rates are over $1,000 a year cheaper than the average.

Progressive Car Insurance Rates by Credit Score

Progressive’s rates for drivers with poor credit are decent, coming in 16% lower than the national average of $3,889 a year. Drivers with poor credit who have Progressive pay an average of 72% more than drivers with good credit.

To find the best car insurance for drivers with bad credit, try shopping around. Some companies like Geico and Nationwide generally have cheaper rates than Progressive.

Progressive is available in all 50 states and Washington, D.C.

Progressive Car Insurance Rates by State

Car insurance rates by state vary significantly for several reasons. These include differences in the required minimum amount of car insurance you must have to drive legally and the likelihood of weather-related claims, among other factors.

For example, Progressive’s average rate in North Carolina is $985 a year below the state average. In Washington, it’s about $600 a year higher than the state average. Here are Progressive’s rates in most states where it’s available.

Progressive has a low level of auto insurance complaints. Its most common auto insurance complaints relate to claim delays, unsatisfactory claim settlement offers, adjusters’ handling of claims and denials of claims.

Progressive Car Insurance Complaints Trend

Progressive’s car insurance complaint level is below the industry average and has declined slightly over the past three years.

In a survey of collision repair professionals by CRASH Network, Progressive earned a C grade.

The opinions of collision repair professionals are valuable because they see how insurers compare in the claims process. They have an insiders view of the use of lower-quality repair parts, whether insurance companies encourage the use of repair procedures recommended by car makers, and whether insurers have fast and satisfactory claims processes for customers.

Progressive Car Insurance Collision Repair Grade Trend

Over the past four years, Progressive has consistently received a C grade from collision repair experts. This indicates that its claims process is only average and could be improved.

Progressive provides the standard types of car insurance, such as liability insurance that most states require, but it stands out for its range of extra coverage types.

	Accident Forgiveness Progressive offers three types of accident forgiveness insurance to keep your rates from rising after an accident. Accident forgiveness for claims $500 and less is automatically included in most states. If you qualify, you can buy accident forgiveness for claims exceeding $500. You can also purchase benefits so that one accident is forgiven per policy period.
	Custom Parts and Equipment (CPE) Progressive’s custom parts and equipment coverage pays to repair or replace items you added to your vehicle, such as an upgraded stereo, custom paint job or custom wheels. The CPE coverage limit is normally $5,000.
	Diminishing Deductible Progressive’s diminishing deductible is called “Deductible Savings Bank Coverage.” It subtracts $50 from your comprehensive and collision deductible every six months that you don’t cause an accident or get a ticket. A person with a $500 deductible may not have any deductible after five years of good driving.
	Gap Insurance Progressive sells gap insurance as “loan/lease payoff” coverage. It pays the difference between what you owe on your vehicle and its value if your car is stolen or totaled in an accident covered by your policy. Progressive’s gap insurance limit varies by state but typically pays only up to 25% of your vehicle’s value.
	Rental Reimbursement Rental reimbursement coverage pays for a rental if your car is being repaired due to damage covered by your comprehensive or collision coverage. Progressive typically pays for up to 30 days, with a daily limit of $40 to $60.
	Rideshare Insurance Progressive’s rideshare insurance extends your coverage when your rideshare app is open and you’re waiting to match with a rider. Transportation network providers like Uber or Lyft provide only liability insurance during this time.
	Pet Injury Coverage Progressive’s pet injury coverage pays up to $1,000 of vet bills if your pet is injured in your vehicle in an auto accident. It’s included when you buy collision coverage.
	Roadside Assistance Insurance Roadside assistance with Progressive pays for towing, flat-tire fixes, battery jump starts, locksmith services, fuel delivery and more if you have an emergency on the road.
	SR-22 Some states require SR-22 insurance for risky drivers, such as those with a DUI conviction or who have been caught driving without insurance.
	Usage-Based Insurance Snapshot is Progressive’s usage-based insurance program. It tracks miles driven and your driving habits. Progressive says you can save an average of $146, but you may see an increase if you don’t score well in the Snapshot system.

Add-On Coverage Progressive Does Not Offer

Progressive does not offer these types of add-on coverage or programs:

• New car replacement. Progressive doesn’t offer new car replacement coverage, an add-on that pays to replace your vehicle with the same make and model if it’s totaled and typically is two model years old or less.
• Pay-per-mile insurance. Progressive doesn’t offer pay-per-mile car insurance. Though Progressive’s Snapshot tracks mileage, it’s not strictly a pay-per-mile insurance option. A pay-per-mile policy determines your rates based partly on how many miles you drive but doesn’t track driving habits such as speeding.

Progressive offers many car insurance discounts, especially for drivers who practice safe driving habits. If you have a teen driver, look for Progressive’s discounts for teen drivers, good students and students away at school.

Here are Progressive auto insurance discounts you may qualify for.

	Automatic Payments Discount For setting up automatic payments from your checking account.
	Continuous Insurance Discount If you have consistently had an auto insurance policy with no gaps or cancellations, whether with Progressive or another insurance company.
	Distant Student (Student Away) Discount Ask for this if you have a driver age 22 or younger on your policy who goes to school at least 100 miles away and won’t be driving your cars.
	Good Student Discount If you have a full-time student under age 23 on your policy who maintains a “B” average or better, ask about this 10% discount.
	Homeowner Discount Even if you don’t insure your home through Progressive, you could save for owning your home.
	Multi-Car Discount Save an average of 12% by insuring more than one vehicle on your Progressive auto insurance policy.
	Multi-Policy Discount If you have two or more Progressive policies, you can qualify for a discount. For example, Progressive customers with home and car insurance policies can save an average of 7%, based on our analysis of the best home and auto insurance bundles.
	Online Quote Discount Receive an average of 7% off your policy if you get a quote online for a Progressive policy.
	Paperless Discount If you opt for paperless statements you automatically receive a discount.
	Pay in Full Discount If you pay your full insurance bill upfront. It can’t be combined with the automatic payment discount.
	Sign Online Discount Sign your policy documents online and see an average savings of 9% with Progressive.
	Teen Driver Discount For teen drivers (age 18 or under) on your policy who have been insured with Progressive for at least 12 months.
Discount availability can vary by state.

We evaluated mobile app ratings and website functionality of top car insurance companies and found Progressive’s digital experience to be good. It earned 4.0 stars (out of 5) in our analysis

Progressive’s app earned one of the highest scores among those we evaluated. It lets you manage your insurance policies from your mobile device. Some mobile app features include:

• Access insurance cards and other documents
• Access policy information
• Explore other Progressive products
• Make payments
• Report a claim
• Request roadside assistance

Progressive’s website also has helpful features, such as a search function and the ability to get a quote, pay your bill and make a claim.

Progressive makes it simple to pay for car insurance, make a claim or cancel your policy—though not all functionality is available online.

	Progressive Car Insurance Payments You can pay your Progressive auto insurance bill on the website or through its app. You can also call to pay over the phone or mail a check. You can view your billing statement and history and schedule a payment online or through the app. The number to call to make a payment is 800-776-4737. You can pay with a credit card, PayPal, check, money order or electronic funds transfer.
	Progressive Car Insurance Claims You can report and track a claim through Progressive’s website or app. You can also submit a claim by calling Progressive at 800-776-4737. If your claim qualifies, you may receive a text invitation code for Progressive’s “Photo Estimate” claims process. This process allows you to upload photos and videos of the damage through the app and get a quick estimate on the claim payout amount.
	Progressive Car Insurance Cancellations You can switch car insurance companies anytime, so you can cancel a Progressive policy in the middle of a policy term. You’ll need to call 866-416-2003 to cancel a Progressive auto insurance policy.

Progressive started in the auto insurance business in 1937 when Joseph Lewis and Jack Green proposed offering basic insurance that anyone could afford.

Progressive Insurance first specialized in nonstandard auto insurance, which led it to launch the Safe Driver Plan in Ohio. This plan offered lower rates to drivers who went without accidents.

Today, Progressive is the second-largest auto insurance company in the United States, with a market share of around 15%. It’s also a leading seller of commercial auto insurance and motorcycle insurance.

Progressive has been headquartered in Mayfield Village, Ohio, since 1974.

Progressive’s AM Best Financial Strength Rating

Progressive has an A+ (Superior) financial strength rating with AM Best, which is among the top available ratings.

A high financial strength rating indicates a company should be able to pay out on future claims.

Progressive homeowners insurance or renters insurance is available on its site, although your policy might come from a different insurer than Progressive’s insurance agency.

Progressive provides a variety of coverage types for small business insurance, including a business owners policy, professional liability, workers compensation, commercial auto insurance and general liability insurance.

Progressive also sells:

• ATV and snowmobile insurance.
• Boat and Sea-Doo insurance.
• Classic car insurance.
• Dental insurance.
• Golf cart insurance.
• Health insurance.
• Identity theft.
• Life insurance.
• Pet insurance.
• Phone and electric device insurance.
• Recreational vehicles.
• Segway insurance.
• Vision insurance.

You can also find financial services, such as personal loans and car shopping services, through Progressive.

To identify the best car insurance companies we evaluated each company based on its average rates for a variety of drivers, the coverage options offered, complaints against the company and collision repair grades from auto body professionals.

Auto insurance rates (50% of score): We used data from Quadrant Information Services to find average rates from each company for good drivers, drivers who have caused an accident, drivers with a speeding ticket, drivers with a DUI, drivers with poor credit, drivers caught without insurance, adding a teen driver, senior drivers and young drivers.

Unless otherwise noted, rates are based on a 40-year-old female driver with a Toyota RAV4 and coverage of:

• $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
• Uninsured motorist coverage of 100/300.
• Collision and comprehensive insurance with a $500 deductible.

Car insurance coverage options (25% of score): Any auto insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. But it’s also important to have access to additional coverage types that can provide greater protection or cost savings. In this category we gave points to companies that offer accident forgiveness, new car replacement, vanishing deductibles, usage-based or pay-per-mile insurance and SR-22s.

Complaints (20% of score): We used complaint data from the National Association of Insurance Commissioners. Each state’s department of insurance is in charge of logging and monitoring complaints against companies operating in their states. Most auto insurance complaints center on claims, including unsatisfactory settlements, delays, and denials. The industry complaint average is 1.00, so companies with a ratio below 1.00 have lower levels of complaints.

Collision repair (5% of score): We incorporated grades of insurance companies from collision repair professionals. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. CRASH Network’s Insurer Report Card used grades from more than 1,100 collision repair professionals to gauge auto insurers on the quality of their collision claims service.

Read more: How Forbes Advisor rates car insurance companies