Progressive Auto Insurance Review 2024: Pros, Cons, and Alternatives (2024)

Personal Finance Insurance Auto Insurance

Written by Katie Oelker; edited by Lina Roby; reviewed by Evelyn He

  • Types of Car Insurance
  • Progressive Cost
  • File a Claim
  • FAQs
  • Progressive vs. AAA
  • Progressive vs. Nationwide
  • Progressive vs. Lemonade

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Progressive Auto Insurance

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Insider’s Rating

4.62/5

Perks

Offers personalized rate based on driving

JD Power Customer Satisfaction Rating

842

AM Best Financial Strength Rating

A+

Pros

  • Coverage available in all 50 states
  • Discounts for bundling insurance products with competitive rates
  • Highly rated with JD Power and AM Best

Cons

  • Rates may jump significantly after your first accident or for higher risk drivers
  • Mixed reviews on claims and customer service on sites like Consumer Affairs and TrustPilot

Insider’s Take

A highly ranked and long-standing insurance company, Progressive offers auto, home, motorcycle, and other insurance across the United States.

Progressive Auto Insurance review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Ranked #17 out of 18 in auto claims satisfaction
  • Bundling, vehicle safety, and student driver discounts
  • Low rates
  • Name your price tool

Founded in 1937, Progressive is known for the TV character "Flo" and its Insurance Superstore commercials. But fame aside, Progressive offers various insurance products, including auto, home, pet, and other products that can be easily bundled.

Progressive is often thought of as an online insurance company. This is because quotes are still easily accessible online. However, policies can also be quoted by independent insurance agents who receive regular training updates from Progressive.

If you're bundling multiple insurance policies with Progressive, working with a professional may simplify the process allowing you to compare quotes more efficiently and ensure you get all applicable discounts. In addition, Progressive customers can buy auto and home insurance in all 50 states.

Types of Car Insurance Plans from Progressive

Progressive Auto Insurance offers the following auto insurance coverages:

  • Liability Coverage - This includes bodily injury liability, which pays for another's medical bills if you're liable, and property damage liability, which pays for another's vehicle or property. It's the state-required portion of most auto insurance policies. Increasing your liability limits to protect yourself from costs associated with more severe accidents may be cheaper than you think.
  • Comprehensive - It covers the vehicle in events not covered by collision coverage, such as fire, theft, vandalism, hitting an animal, glass breakage, or acts of nature.
  • Collision - It covers the repair or replacement of a damaged vehicle if it collides with another object, such as a vehicle, tree, guardrail, or fence.
  • Uninsured/underinsured motorist - It fills in coverage gaps if you're hit by an uninsured driver or somebody with minimal liability coverage below your accident-related costs. It can also come in handy if a drunk driver hits you. Your limits will mirror your chosen liability limits, and premiums for this additional coverage are also small. So it pays in more ways than one to raise your liability limits.
  • Medical payments or PIP (Personal Injury Protection) insurance - It helps pay for medical and funeral expenses for yourself and your passengers, regardless of fault. It can come in handy for ambulance expenses and other short-term costs.

Liability auto insurance is required in 49 states, while Collision and Comprehensive coverages are necessary if you have a loan on your vehicle. New Hampshire may not require auto insurance, but it does require proof of "financial responsibility." One option for New Hampshire residents is auto insurance. Underinsured/uninsured and medical payments or PIP coverage may also be required depending on the state.

Additional Coverage Options (Riders)

Besides the standard auto insurance policies Progressive offers, several add-ons should be considered including:

  • Loan/lease payoff - If you finance or lease a car, this coverage can close the gap between what you owe on the vehicle and its worth.
  • Rental car reimbursement - If your car is in an accident, this covers the cost of a rental car while your vehicle is in the shop
  • Custom parts and equipment value - It can cover things such as a stereo, custom wheels, navigation system, or a custom paint job, typically up to a $5,000 limit. If you've upgraded your wheels, added a spoiler, or anything else out of the ordinary, etc., custom parts coverage could ensure you can replace your car to its state before the accident.
  • Rideshare coverage - If you drive for a rideshare company, this covers you when you're logged into the app and waiting for a trip/customer. Unfortunately, your regular auto insurance coverage stops once you turn on the app. Rideshare app coverage doesn't start until you have a scheduled ride. You'd see a similar lapse in coverage if you're working in food or grocery delivery.
  • Roadside assistance - It pays for towing service on the road or at home and assists if you lock yourself out, run out of gas, or need a flat tire change.
  • Deductible savings bank - Adding this coverage subtracts $50 from your collision and comprehensive deductible for every claim-free policy period (six months). Some auto insurance companies offer similar products, but the deductible savings bank is specific to Progressive.

How Much Does Progressive Car Insurance Cost?

Many factors play into how much auto insurance premiums cost, including age, location, driving record, type of vehicle, vehicle usage, credit score, how you pay, any lapses in coverage or recent changes, any speeding/traffic tickets or accidents, and marital status.

Progressive offers data on what users can expect to pay depending on the state:

Low-cost states include California, Idaho, Illinois, Indiana, Iowa, Maine, Montana, North Carolina, North Dakota, New Mexico, Ohio, Oklahoma, Tennessee, South Dakota, Vermont, Wisconsin, and Wyoming. The average cost of carinsurance on a six-month liability-only policy in these states is $78/month.

Medium-cost states include Alabama, Arizona, Arkansas, Colorado, Kansas, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, Oregon, Pennsylvania, Virginia, Washington, Texas, and Utah. The average cost of a six-month liability-only policy is $100/month.

High-cost states include Connecticut, Delaware, the District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, Rhode Island, South Carolina, and West Virginia. The average cost of a six-month liability-only policy in these states is only $146/month.

How to File a Claim

Progressive Auto Insurance makes it easy to file an auto insurance claim. You can log into your policy to make a claim online, call its claims number at 1-800-776-4737, or use the Progressive app.

Progressive has long been an online company but sells policies through broker agents. If you purchased through a local insurance agent, you could also contact them to help you with claims.

Progressive Car Insurance FAQs

How can I get a quote for Progressive car insurance?

There are three ways to obtain a quote.

  • You can start your insurance quote online
  • Call 1-855-347-3939
  • Contact a broker insurance agent in your state contracted with Progressive

What discounts are available with Progressive?

Progressive has two programs encompassing its auto insurance discounts:

  • Snapshot - Also called usage-based insurance, this personalizes your rate based on driving. Most states will give you an automatic discount just for participating, and after a year of participation, you get a personalized rate based on results.
  • Name your Price tool - Sign up and tell Progressive what you want to pay, and it will show you options to stay within budget.

Progressive has other standard discounts like bundling, multi-car, and good student discounts. Its online pricing tool can guide you, but many customers prefer working with an insurance agent who can double-check everything for you.

How do I pay for my Progressive car insurance plan?

You can quickly pay through your Progressive online portal or the mobile app. In addition, many policyholders set up autopay to ensure payments are made on time.

Methodology: How We Reviewed Progressive Car Insurance

We evaluate auto insurance companies based on a combination of important factors. For example, customer service ratings, accessibility, price, user-friendliness, and other factors all play a role in the overall performance of an auto insurance company. You can read more about our insurance rating methodology to see how we assign ratings.

Our rating is only one aspect of a review. We break down the pros and cons to help consumers make informed decisions. Whatever your auto insurance needs, we recommend getting three quotes to compare companies and find your most competitive option.

Progressive Car Insurance Competitors

  • Progressive Auto Insurance Review 2024: Pros, Cons, and Alternatives (2)

    AAA Auto Insurance

  • Progressive Auto Insurance Review 2024: Pros, Cons, and Alternatives (3)

    Nationwide Auto Insurance

  • Progressive Auto Insurance Review 2024: Pros, Cons, and Alternatives (4)

    Lemonade Auto Insurance

Editor's Rating

3.9/5

Editor's Rating

4.12/5

Editor's Rating

3.75/5

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Compare policies and rates

Compare Progressive Car Insurance vs. AAA

Progressive and AAA Auto Insurance are ranked in JD Power's Auto Insurance Study. Progressive ranks lower than AAA in some regions, but AAA is not available in all states, while Progressive offers auto insurance in all 50 states and Washington, DC. In addition, AAA may require a membership, while Progressive does not.

While both companies offer free quotes online, AAA also provides AAA Triple Check, which helps individuals determine if they have enough coverage and all available discounts. If you're running quotes for yourself online, we recommend letting AAA Triple Check evaluate your plan. Then ensure your Progressive coverages match to see which company is more affordable.

Progressive's licensing in all 50 states is particularly handy for drivers looking to travel or move to a new state for school, work, or something else. However, AAA's roadside service and other membership perks may appeal more to existing AAA members.

Compare Progressive Car Insurance vs. Nationwide

Progressive and Nationwide Auto Insurance earned high rankings on JD Power's latest auto insurance study. Still, this time Progressive ranks higher than Nationwide. Neither company requires membership to obtain auto insurance, and both companies offer similar auto insurance discount programs.

An important distinction between Progressive Snapshot and Nationwide SmartRide should not be ignored. Nationwide SmartRide is exclusively designed to be used as a discount program. Progressive Snapshot, on the other hand, evaluates your driving to set your rates. So your semi-annual premiums could also rise because of Snapshot data.

Progressive and Nationwide have long operated as online insurance providers. However, you can buy either brand through an insurance agent if you need a more personal touch. The best way to compare these two similar companies is by running side-by-side quotes. Ensure your liability limits and other coverages match to ensure you're getting the most competitive pricing for the coverage you want.

Compare Progressive Car Insurance vs. Lemonade

Lemonade Auto Insurance is an InsurTech company offering auto insurance 100% online. It provides auto, home, life, pet, and renters insurance in many states. However, interested customers should check the company's website to verify their state is covered.

Lemonade uses location-based technology to set premiums, similar to Progressive's Snapshot program. In addition, the Lemonade app assigns discounts for driving less or owning an electric or hybrid vehicle. It can also alert Emergency services if you've been in an accident and offers free roadside assistance.

Like Progressive, Lemonade offers discounts for bundling your auto insurance with another product. It touts prices as low as $30/month on its website for liability coverage, making Lemonade the cheaper option. However, there may be better options for less tech-savvy buyers or those looking for stable premiums based on traditional underwriting guidelines (driving history, credit score, insurance history, etc.). Progressive is the more trusted option among many drivers, with its licensing in all 50 states and a network of broker agents working alongside its website and mobile app.

Like we've said with the other comparable products, match up the coverage on your quotes if you're debating between Lemonade and Progressive. Ensure you're getting the most competitive price and not cutting coverage to save money.

Katie Oelker

Katie Oelker is a financial coach, personal finance writer, and podcaster. When not working, she enjoys spending time with her family, practicing yoga, and planning her family’s next adventure. You can find her at KatieOelker.com and on Instagram at @katieoelker.

Evelyn He

Compliance and Operations Associate

Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.

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FAQs

Are people happy with Progressive? ›

Progressive received an overall satisfaction score of 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

Does Progressive raise rates after 6 months? ›

Your Progressive rates may increase after six months depending on a number of factors. Like other car insurance providers, Progressive will typically raise your rates if you receive a speeding ticket or moving violation, cause an accident or make comprehensive insurance claims.

Where does Progressive rank in insurance? ›

According to the National Association of Insurance Commissioners (NAIC), Progressive is the third-largest auto insurance provider in the U.S. behind State Farm and Geico. The company holds 13.7% of the market share and wrote more than $35.8 billion in auto insurance premiums in 2021.

Is Progressive good about paying claims? ›

Progressive is decent at paying claims compared to the average insurance company, according to J.D. Power's latest claims satisfaction survey. Progressive scored 861 out of 1,000 for their claims process, compared to the industry average of 873 out of 1,000.

Which auto insurance company denies the most claims? ›

Allstate

We know you have seen the ads. You're in good hands with Allstate. What you may not know is that Allstate CEO Thomas Wilson has admitted that his priority is to make money for shareholders – not you the policyholder. Add increased rates and denied claims to the equation and Allstate is at the top of this list.

Is Geico or Progressive better? ›

Is Progressive or Geico better? Both Geico and Progressive are reputable insurers with positive industry reputations, but which is better for you depends on your situation. We found Geico offers slightly better rates for the average driver while Progressive tends to have lower rates for high-risk drivers in particular.

Why did my car insurance go up in 2024? ›

Your car insurance may have increased this year due to various factors, including inflation, higher repair costs and an increase in auto thefts in your area. Is it normal for car insurance to increase every year? It is normal for car insurance rates to increase every year.

Why is Progressive so expensive? ›

If you buy directly from a Progressive company, your car insurance price reflects the cost of staffing and maintaining the sales centers, and a larger portion of our marketing costs.

Why is my Progressive renewal amount so high? ›

If your car insurance goes up for seemingly no reason when you renew your policy, it's likely due to an increase in risk that's outside of your control. This could include reasons like increased claims in your area (due to more extreme weather damage, more accidents, etc.) and higher car repair and replacement costs.

What is the #1 insurance in America? ›

The largest P&C insurers in the United States
RankingP/C insurance company name% change from previous year
1State Farm Group19.1
2Berkshire Hathaway Ins4.9
3Progressive Ins Group20.4
4Allstate Ins Group11.6
96 more rows

What is the best car insurance to have? ›

Best Car Insurance Companies of July 2024
Best car insurance categoryCompany winner
Best insurance company overallTravelers
Best insurance company for affordabilityAmerican Family
Best insurance company for accident forgivenessGeico
Best insurance company for having few customer complaintsShelter
5 more rows
5 days ago

Who is State Farm's biggest competitor? ›

Considering State Farm and Geico are the two biggest auto insurance companies in the U.S., most drivers can find what they need from either company, whether that's minimum or full coverage. However, there are a few key differences between State Farm vs. Geico when it comes to auto insurance options.

What is the lawsuit against Progressive? ›

Policy holders alleged that Progressive used third-party software that underestimated what their vehicles could have been sold for before they became total losses. They said the software used adjustments that overstated the impact of haggling, when the availability of prices online made such negotiations obsolete.

Does Progressive deny claims? ›

Lack of coverage: They could deny the claim if it is determined you do not actually have coverage for the type of loss or damage involved. Statute of limitations: There are time limits to filing an accident claim. If you file outside that window, they could legally deny the claim.

Does State Farm have a good reputation for paying claims? ›

State Farm is generally good about paying out claims in a timely manner. The company received a score of 891 out of 1,000 in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, which landed it in fifth place and above the industry average.

How is Progressive customer service? ›

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