Progressive Auto Insurance Review

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Progressive Insurance
Investopedia’s Rating
3.9

Our Take 

Progressive offers several auto coverages, including liability, comprehensive, collision, and uninsured and underinsured policies. It's a good choice for customers who want to save money on their premiums with its range of policy discounts, but the price of a policy can vary depending on the method of quote retrieval and application. Policies can be more expensive than some competitors' offerings. 

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
Pros
  • Wide range of policy discounts

  • Lower-than-average customer complaints

  • 24/7/365 customer support available

Cons
  • Prices may be higher depending on how you purchase

  • Policies can be on the more expensive side

  • Competitors receive higher customer satisfaction ratings

Key Takeaways
  • Progressive was founded in 1937 and it has 20.4 million policies in force.
  • New customers save over $650 on average by switching to Progressive.
  • A comprehensive customer service portal provides chat, email, and phone service access.
Company Overview

Progressive was founded in 1937 and it's headquartered in Mayfield Village, Ohio. This insurer offers coverage in all 50 states and Washington, D.C. It also offers several types of vehicle insurance, including liability, comprehensive and collision, and roadside assistance. 

  • Year Founded 1937
  • Types of Coverage Liability, Comprehensive & Collision, Uninsured/Underinsured, Roadside Assistance, as well as others
  • Available Discounts 13
  • Purchasing Options Online and over the phone
  • Customer Service Chat, email, telephone - 1-888-671-4405
  • Official Website https://www.progressive.com/

Pros Explained

  • Wide range of policy discounts: Progressive offers a total of 13 discounts, ranging from loyalty-based to driver-based options.
  • Lower-than-average customer complaints: The National Association of Insurance Commissioners (NAIC) awarded Progressive a 1.31 complaint score for 2022, bringing it above the average complaint score of 1.0.
  • 24/7/365 customer support available: Progressive offers customer service support 24 hours a day, seven days a week, 365 days a year.

Cons Explained

  • Prices may be higher depending on your purchase method: Prices for the same policy can be different depending on how the customer purchases a policy because of online discounts and other expenses.
  • Policies may be on the more expensive side: Progressive may be a more expensive auto insurance option compared with competitors depending on where you live.
  • Competitors receive higher customer satisfaction ratings: Texas was the only state or region where Progressive fell into the top three insurance companies based on consumer satisfaction, according to J.D. Power’s 2021 U.S. Auto Insurance Study.

Introduction

Progressive, known for its funny spokesperson Flo, is one of the top auto insurers in the country. It boasts more than 27 million customers and it offers a wide range of policies, including vehicle, property, commercial, and personal coverage. Unique discounts such as the Save with Snapshot program help Progressive stand out among its competitors.

Check out our picks for the best car insurance companies on the market.

Types of Coverage

Progressive offers four main types of coverage: liability, comprehensive and collision, uninsured and underinsured motorist, and roadside assistance.

Liability Coverage

Liability coverage covers property damage and injury to others that's caused by vehicular accidents, and most states require it. Covered situations include damage to vehicles, property, and other people, along with medical bills and court fees.

Comprehensive and Collision Coverage

Comprehensive and collision coverage will pay for repairs or replacement of a vehicle if the insured is in an accident, regardless of who's at fault, but these are different insurance types. Comprehensive insurance covers events outside of one's control, such as hitting a deer or a tree branch falling onto a car. Collision insurance covers accidents involving other vehicles or inanimate objects, such as a fender bender or a crash into a pole.

Comprehensive insurance carries a deductible and it also covers damages due to theft, vandalism, fire, or other acts of nature.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured insurance covers accidents caused by a driver with no or insufficient insurance protection. Uninsured insurance covers an insured who's hit by another driver who has no auto insurance at all. Underinsured coverage protects an insured who's hit by someone who doesn’t have enough coverage to pay for damages or injuries they cause. Uninsured and underinsured insurance is offered alongside each other and is mandatory in many states.

Roadside Assistance

Progressive’s Roadside Assistance comes with a variety of 24/7 services to help out in an emergency if you want extra peace of mind on the road. It's provided by Agero, which offers driver assistance services commonly used by insurance companies. It covers various problems and mishaps.

  • Vehicle towing: It provides a tow to a location within a 15-mile radius.
  • Winching: It will pull the insured's car out of mud, snow, water, or sand within 100 feet of the road/highway.
  • Battery jump-start: It will jump-start your car if the battery dies.
  • Battery charge on electric cars: It will provide and pay for a tow to the nearest charging station or any other location within 15 miles.
  • Fuel delivery: It provides delivery and service of fuel at no charge, although fuel charges apply.
  • Locksmith service: It provides service if your keys are lost, stolen, or locked inside the vehicle.
  • Flat tire change: It covers the work of replacing a flat tire at no cost, but spare tire charges apply if you don't have one in your trunk.
  • On-scene labor: It provides up to one hour of labor if the car isn’t running.

Other Types of Coverage

Progressive also offers additional types of insurance. 

  • Medical payments: This pays for medical and funeral expenses, as well as those of passengers or family members, regardless of who's at fault.
  • Loan/lease payoff: Also known as gap insurance, this covers the difference between a loan/lease balance and a car's current worth, up to 25% of cash value. 
  • Rental car reimbursement: This insurance coverage pays for a rental vehicle up to the policy limit, typically $40 to $60 per day, in instances of a covered accident.
  • Custom parts and equipment value insurance: This can cover vehicle parts like custom wheels, repainting, or a sound or navigation system. 
  • Rideshare coverage: This coverage helps bridge the insurance gap when you're driving for a rideshare company.

Discounts

Progressive offers 13 discounts to policyholders. Some of the more popular include multi-policy, multi-car, safe driver, and good student. But residents of certain states, such as California, may not be eligible for certain discounts.

Loyalty-Based Auto Discounts

  • Multi-policy: Having two or more policies through Progressive will save you an average of 5%. You can save by combining auto and home/renters insurance or with multiple auto policies.
  • Multi-car: Having more than one vehicle policy through Progressive saves an average of 12%.
  • Continuous insurance: Switching to Progressive qualifies you for a discount based on how long you were with your past insurer. The longer with that insurer, the bigger the discount. Breaks in insurance of more than a month can disqualify applicants.

Driver-Based Auto Discounts

  • Safe driver discount: The safer you drive, the more you can save with Progressive’s Snapshot program.
  • Teen driver discount: This discount is available for teens on the policy who are under the age of 18. Adding a child to a parent's policy is typically cheaper than getting a separate policy, even without this discount. The teenager will be insured to drive all your cars if your policy covers multiple vehicles.
  • Good student discount: A full-time student who maintains a B average or better qualifies for this discount that averages 10%.
  • Distant student discount: This is available for a full-time student who is age 22 or younger and lives 100 miles away from home without a vehicle at school. The average discount varies.
  • Homeowner discount: This applies to homeowners even if their home isn't insured through Progressive. The average discount is 10%.

Quote and Buy Discounts

  • Online quote: Applicants who obtain a quote online, even if it's finished over the phone, are eligible.
  • Sign online: Applicants who sign policy documents online receive a discount.
  • Paperless: Applicants who opt to receive paperwork by email rather than regular mail are eligible. Discounts vary depending on the account.
  • Pay in full: Applicants who pay upfront and in full receive a discount. 
  • Automatic payment: Applicants who set up automatic payments earn a discount.

Progressive’s Snapshot program, also known as usage-based insurance, allows the policyholder to pay based on how much they drive. The policyholder obtains a discount for participating and receives a personalized rate after the first year based on miles. Customers who use this feature save $146 a year on average.

Applicants can request a quote online or through a representative, but this quote can vary based on how they obtain it.

Payment Options

Customers can pay for their policy at Progressive through: 

  • An automatic debit from a checking account, credit card, or debit card earns the automatic payment discount
  • An upfront, in-full payment earns the pay-in-full discount
  • A text message
  • A phone call (1-800-776-4737)
  • Standard mail
  • An online account

Customers have the option of paying monthly for their policy, but choosing this payment option will mean missing out on the pay-in-full discount, which typically covers six months.

The price of an insurance policy is based on several factors:

  • Age: Teens are more expensive to insure than adult drivers. Rates typically stabilize after the teen years, up to age 75.
  • Vehicle use: Policies are more costly for those who use their cars more often.
  • Speeding tickets or traffic violations: More tickets lead to higher premiums.
  • At-fault, not-at-fault, or one-car accidents: These factors also increase the insured's premiums.
  • Location: Living in heavily populated urban places increases premiums.
  • Type of coverage: More coverage typically means greater policy costs. 
  • Method of payment: Discounts vary by payment method.
  • Mileage: High-volume drivers pay higher rates.
  • Credit score: Those with higher credit scores typically enjoy lower premiums.
  • Continuous coverage: Those without gaps in coverage will likely receive lower rates.
  • Vehicle engine size: A V8 engine or greater may mean higher premiums.

Loss Ratio

Progressive has a loss ratio of 65.8%, which is fairly low among similar companies. A lower loss ratio indicates better financial health, so this is a good sign.

Other Features

Progressive has several other features, including: 

  • Online comparison tool: This compares prices to competitors online.
  • "Name Your Price" tool: This provides a range of insurance options based on the customer's budget.
  • Deductible savings bank: This decreases the policy’s cost every six months. It's optional.
  • Small accident forgiveness: This keeps rates unchanged for claims under $500.
  • Large accident forgiveness: This keeps rates unchanged for those who haven't had an accident or a violation in the last three years.

Customer Service

Progressive’s customer service provides email, online chat, and 24/7 phone support at 1-888-671-4405. Customers can email through the Progressive website about their claim or the claim process, roadside assistance, and fraud/identity theft.

Customer Satisfaction 

Progressive has mixed customer satisfaction ratings and reviews. According to the National Association of Insurance Commissioners (NAIC), Progressive has higher-than-average customer complaints. But it ranked among the top insurers on JD Power's U.S. Auto Insurance Satisfaction Study, which measures overall customer satisfaction. 

Progressive Auto Insurance has an average rating of 3.4 out of 5 stars from 523 ratings, according to Consumer Affairs. But the company didn't fare well on Trustpilot, receiving an average of 1.2 out of 5 stars across 446 ratings.

Satisfaction Ratings

Progressive offers online quote and purchasing options, as well as a user-friendly online portal, helping its customers to have an easier experience obtaining insurance.

According to a 2021 J.D. Power U.S. Auto Insurance Study, Progressive ranked fifth in overall customer satisfaction in California, eighth in the Central region and Florida, fourth in New England and the Southwest Region, 10th in New York, seventh in the North Central, Mid-Atlantic, and Northwest regions, 14th in the Southeast region, and third in Texas. 

AM Best, which rates companies’ financial strength, has given Progressive a rating of A+ (Superior), only one step down from the highest rating of A++. This rating allows customers to feel confident that Progressive will be able to help them financially if they have to make a claim.

Complaint Index

It’s also important to understand how many complaints an auto insurance provider has as compared to its competitors. The National Association of Insurance Commissioners (NAIC) awarded Progressive a 1.31 complaint score in 2022, above the average complaint score of 1.0. 

Account Management

Progressive customers can create an account online and gain access to their customer portal. Clients can email policy questions and manage their policies inside the portal, including reviewing their coverage, benefits, and payment options. Progressive also offers 24/7 customer service for those needing support over the phone. 

How Progressive Compares to Other Auto Insurance Companies

Premium costs are an important factor to consider when reviewing auto insurance companies. Progressive came in 14th for average annual premium and 11th for median annual premium out of 25 auto insurance companies that were ranked from lowest to highest prices.

Compared to other companies operating in the same states, Progressive was most expensive for Alaska, Vermont, and Georgia, and second most expensive for South Carolina, Hawaii, Minnesota, Ohio, Oregon, and Massachusetts. It was the third most expensive insurance option for Colorado, Maine, Nebraska, New Mexico, South Dakota, Kentucky, West Virginia, and Virginia.

It was ranked less expensive compared to its competitors in all other states.

Final Verdict

Progressive is a great option if you're looking for an auto insurance provider that makes it easy to apply for and obtain insurance online. The number of policies and discounts available makes it simple to find a customized option that will save you money.

The company has mixed ratings and reviews, but customers can contact customer service 24/7. Progressive isn’t typically the cheapest option for auto insurance, so budget-conscious people may want to avoid it. It does have a strong financial reputation and long-standing history.

Frequently Asked Questions

Is it hard to settle a claim through Progressive?

Progressive does have a reputation for a somewhat difficult claims process. The insurer even warns on its website that "filing a car insurance claim can be a difficult process." And "filing" can be a long way from "settling." Progressive indicates that it can take several months to settle a claim, depending on the factors involved.

How much does Progressive go up after a claim?

Progressive indicates that your rate can increase by up to 28% after an accident claim if you don't have accident forgiveness and you're found to be at fault. The accident forgiveness benefit becomes more generous and protective the longer you remain insured by Progressive.

How much do you save by paying in full with Progressive?

Progressive doesn't disclose the amount of its pay-in-full discount. It states that "average savings vary." And you're completely out of luck if you're a resident of California. This discount isn't available there.

Does Progressive have hidden fees?

This might depend on your definition of "hidden." Prices for the same policy can be different depending on what discounts you're eligible to claim and various other factors. Your best bet is to question any and all policy provisions and any potential associated cost if they're not clearly stated.

Does Progressive raise rates after the first year?

Progressive indicates that policies are typically packaged into six- or 12-month periods. Your premium can adjust after this time. The company also indicates that your premium "typically won't change" if your coverages, driving record, and other basic criteria remain the same.

Methodology

Investopedia is committed to providing readers with unbiased, comprehensive reviews of auto insurance companies. All our reviews are based on extensive research and analysis of each company’s coverage, customer service, pricing, years in business, accreditation, and more. To rate providers, we developed an auto insurance review methodology that compares the auto insurance coverage types, additional features, discounts, and account management.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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  2. J.D. Power. "Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds."
  3. S&P Global Market Intelligence. "US Private Auto Insurance Faces 'Tough Environment' As Losses Rise in Q2."

  4. Consumer Affairs. "Progressive Insurance."

  5. Trustpilot. "Progressive Reviews."

  6. Business Wire. "AM Best Affirms Credit Ratings of The Progressive Corporation and Subsidiaries."

  7. Progressive Casualty Insurance Company. "What Is Accident Forgiveness?"

  8. Progressive Casualty Insurance Company. "What Is a Car Insurance Premium?"