Progressive is a very good insurance company overall, earning a 4.3/5 rating from WalletHub editors and above-average scores from organizations such as the Better Business Bureau (BBB) and J.D. Power. Progressive also ranks in the cheapest 25% of insurance providers when it comes to price, according to WalletHub data, and its car insurance policies are made even more competitive with generous discounts.
In the sections below, you can learn more about Progressive’s insurance offerings, how the company fares against top competitors, and what it can do better for customer
Progressive Reviews and Ratings
- Reviews on WalletHub: 3.1/5
- J.D. Power: 4.1/5
- NAIC: 1.70
- BBB: A+
- A.M. Best: A+
- Standard & Poor’s: A
- Moody’s: A2
Progressive is on great financial footing, earning an A+ rating (Excellent) from A.M. Best, one of the leading credit rating agencies for the insurance industry. Progressive has also earned A ratings from Standard & Poor’s and Moody’s.
However, Progressive’s customer reviews on WalletHub are a mixed bag of positive and negative comments, and its NAIC score reflects a higher-than-average number of consumer complaints. Many of the negative customer reviews about Progressive focus on unexplained premium increases, delays in payments and unsatisfactory settlements. Progressive’s reputation for poor customer service lost the company points in this category.
Progressive Car Insurance Quotes
|Driver Profile||Average Quote|
|18-Year-Old||$159 / month|
|21-Year-Old||$91 / month|
|45-Year-Old||$54 / month|
|45-Year-Old with a Speeding Ticket||$81 / month|
|45-Year-Old with a DUI||$110 / month|
|55-Year-Old||$57 / month|
|65-Year-Old||$61 / month|
Progressive offers two pricing tools to help auto insurance shoppers find the best rates online.
- Progressive’s Name Your Price® Tool allows you to input your preferred rate and then receive a range of options that fit your budget.
- Progressive’s Price Compare Tool allows you to easily compare Progressive’s quotes against those from other major auto insurance providers.
Ultimately, auto policies from Progressive are affordable, and rank among the cheapest. The company received a score of 30/30 in the cost portion of this review, with premiums that rank in the first quartile of the cheapest major car insurance providers that WalletHub evaluated. Learn more about WalletHub’s Methodology.
Progressive’s Types of Insurance
- Auto insurance
- Homeowners insurance
- Business insurance
- Renters insurance
- Boat vehicle insurance
- Commercial auto insurance
- Cyber risk protection
- Flood insurance
- Life insurance
- Identity protection
- Health insurance
- Flood insurance
- Motorcycle insurance
- Professional liability
- Travel insurance
- Umbrella insurance
- Workers compensation
Progressive’s long list of available insurance policies earned the company a high score in this category. Progressive also offers many extra coverage options and benefit programs that give auto policies enhanced protection.
Supplemental Progressive Car Insurance Options:
- Emergency Roadside Service: Covers towing costs, lock-out services, flat-tire repairs, and fuel delivery.
- Rental Car Reimbursement: Covers rental car expenses while your vehicle is being repaired due to an accident.
- Custom Parts & Equipment Value Coverage: Pays for repairs or replacements for car accessories that are custom-installed (e.g., stereos, custom rims, etc.).
- Rideshare Coverage: Extends your auto policy to protect you and your vehicle while you are driving for a ridesharing company.
- Loan-Lease Payoff: Covers the difference between what your car is worth at the time of an accident and what you still owe on your vehicle.
- Pet Injury Coverage: Covers pet injuries resulting from a car accident. This benefit is part of your collision coverage, so it’s free of charge.
- Deductible Savings Bank: Helps reduce your collision and comprehensive deductibles by $50 each for every six months that you are claim-free. The savings continue until you get down to $0.
Progressive auto insurance policies are available nationwide, but the specific details and coverage options vary by state.
Specialty Types of Progressive Car Insurance Policies:
- Progressive Commercial Auto Insurance for individuals who use their vehicles for business, including SUVs, tow trucks, food trucks and more.
- Progressive Classic Car Insurance for individuals who own antique or collector vehicles. The policy is provided by a third-party insurer (Hagerty).
- Progressive Mexico Auto Insurance for individuals who plan to drive in Mexico. There are three coverage options – basic, standard, and extended. This policy is offered by a third-party insurer (MexPro).
Progressive can also help provide peace of mind when you want to walk on the wild side, offering insurance policies for motorcycles, boats, trailers, all-terrain vehicles, snowmobiles, and more.
- Multi-policy discount
- Multi-vehicle discount
- Continuous insurance discount
- Snapshot® safe driver discount
- Teen driver discount
- Good student discount
- Distant student discount
- Homeowners discount
- Online quote discount
- Sign online discount
- Paperless discount
- Pay in full auto discount
- Automatic payment discount
Progressive has many of the same discounts offered by its industry peers, providing the potential for some significant savings. But its discount list isn’t quite as long as some of its top competitors, so it didn’t get the highest score possible in this category.
In addition to these discounts, some of which may not be available in all states, Progressive’s accident forgiveness benefit can deliver even more savings. If you have a small accident, Progressive promises not to raise your rates for a claim of less than $500 as soon as you become a customer. Also, if you have been with Progressive for at least 5 years and have had no accidents in the past 3 years, Progressive’s large accident forgiveness promises not to increase your rate if you get into an accident. The amount large accident forgiveness covers varies by state.
Progressive Insurance Claims
With Progressive, you can file a claim any time online or via the Progressive mobile app, and there’s 24/7 claims support available by phone. Progressive’s accessibility has earned it full marks in this category, per WalletHub’s grading criteria.
Progressive Insurance Transparency
You can find some, but not all, of Progressive’s key information on the company’s website and mobile app, so it gets a decent score in the transparency department. You can also chat with an agent online or call a live representative for more information at 800-776-4737.
Progressive is a very good insurance company overall. Progressive scores well in terms of the types of insurance policies it offers as well as the savings opportunities it affords safe drivers, teen drivers and people who bundle multiple policies with the company. The company’s claims process is also well regarded, and it’s backed up by a 24/7 claims support phone line. There is room for improvement in the customer service department, though.
Summary: Progressive Scores by Review Category
|Customer Service & Reviews||20/30|
|Types of Insurance and Additional Service Offered||5/5|
Now that you’re familiar with how Progressive scores in each of our review categories, let’s see how it compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.
Progressive Car Insurance vs. Competitors
|Average Annual Premium*||$985||$1,060||$1,337||$1,433|
|Number of Car Insurance Discounts||13||16||11||11|
|Offers Home Insurance||Yes||Yes||Yes||Yes|
|Complaints Score (lower is best)||1.33||1.34||1.28||2.02|
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare. Learn more about how these rates were calculated in the methodology section below.
For more car insurance research, check out WalletHub’s Cheap Car Insurance Study. And if you have experience with Progressive that you think might help other consumers, you can write a Progressive Insurance review, too.
Ask the Experts
To gain more insight about Progressive Car Insurance, WalletHub posed the following questions to a panel of experts. Click on the experts below to view their bios and answers.
1. How important should Progressive Insurance reviews be to potential customers?
2. Why do insurance companies like Progressive spend so much money on commercials?
3. Do national companies like Progressive tend to be a better deal for consumers vs a local insurance company?
Ask the Experts
In order to provide fair, helpful reviews of insurance companies such as Progressive that can lead consumers to the best insurance coverage for their needs, WalletHub rates each insurance company in seven major categories: Cost, Insurance Types, Customer Service & Reviews, Discounts, Claims, Financial Stability and Transparency. Below, you can find an overview of what each section in our scoring rubric entails.
- The “Cost” section includes information about how expensive the insurance policies are. Progressive's average premiums and quartile rankings are based on data from California, the largest state Progressive operates in. Rate information is provided by Quadrant Information Services. Individual rates will be different.
- The “Insurance Types” section examines what types of insurance policies the company offers.
- The “Customer Service & Reviews” section measures the insurance company’s reputation as well user reviews and information from watchdog organizations.
- The “Discounts” section examines how many and what types of discounts the company offers. It also takes into consideration whether or not there are discounts for bundling policies.
- The “Claims” section examines the ways in which customers can make claims with the policy. It considers whether or not customers can make claims by phone or online, as well as whether or not the company has a 24/7 support line.
- The “Financial Stability” section considers the company’s status with credit rating agencies A.M. Best, S&P and Moody’s.
- The “Transparency” section measures how clearly the insurer discloses key information on its website.
The final score takes these seven categories into account and reflects how close an insurance company is to WalletHub’s definition of a 5-star insurer. For more information, please read WalletHub’s full insurance company methodology.