Progressive Car Insurance Review

Scalable auto insurance you can buy your way for savings

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Progressive Primary Logo
Progressive Logo.

Progressive is the third-largest insurer in the country, so it’s not surprising it offers more coverage choices than many competitors, has a round-the-clock customer service team, and provides a digital shopping experience that’s better than most. The company has long been an innovator in the industry, as it was among the first to introduce concepts such as drive-in claims service, pay-as-you-drive user-based auto insurance, and installment plans for paying premiums. If you’re seeking coverage in addition to your car for your Segway, motorcycle, or golf cart, Progressive may be able to help out. Its mobile app is highly praised, and drivers with no recent accidents or traffic infractions will likely find Progressive’s auto insurance rates to be a good bargain.

  • Pros and Cons
  • Company Overview
Pros and Cons
Pros
  • Specialized coverage options include loan/lease payoff and custom equipment

  • Wider variety of non-auto vehicle insurance options than many insurers, including Segway, golf cart, and personal watercraft

  • Free pet injury coverage included in collision coverage

  • Provides SR-22 certificates

Cons
  • Average J.D. Power customer satisfaction scores

  • Doesn’t offer estimates but full quotes, which may access your credit history

  • Won’t insure a car worth more than $150,000

Company Overview
  • Official Website www.progressive.com
  • Insurance Offered Car and other vehicles, homeowners, condo, renters, life
  • Customer Service Phone 24/7 at 1-888-671-4405; online chat; email; social media
  • Year Founded 1937

COVID-19 Assistance

Progressive is offering billing leniency in response to state guidelines. Progressive also encourages people who need assistance with payments to call them at 1-800-PROGRESSIVE (1-800-776-4737). 

Progressive Car Insurance Coverage

Progressive covers the basics by offering essential coverages you’ll find with most insurers. Those include: 

  • Bodily and property liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist
  • Medical payments
  • Personal injury protection 

Optional coverage or endorsements that may be available to add to your policy, depending on your location:

  • Roadside assistance
  • Auto loan/lease payoff (GAP coverage)
  • Rental car reimbursement
  • Up to $5,000 of custom parts and equipment
  • Rideshare coverage
  • Mexico coverage (Referral to an external insurance broker)

Progressive’s collision coverage automatically includes up to $1,000 in coverage for pets who were injured while riding in your car.

Progressive Car Insurance Costs

Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle, and how you use it (business, personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium. Like many insurers, Progressive also uses insurance scores where possible to do so. Insurance scores are derived from your credit score, accident history, and insurance history

We obtained sample auto insurance quotes from Progressive for the standard coverage annual premiums for Minnesota state minimum requirements. Your premium may vary.  

  45-year-old, female safe driver (0 prior accidents) 2018 Ford Explorer All-Wheel Drive 24-year-old, male high-risk driver (2 prior at-fault accidents) Ford Explorer All-Wheel Drive

Liability (bodily injury and property damage)

$30,000/$60,000/$10,000

  

 $312

 


  $522

Uninsured/underinsured motorist bodily injury

$25,000/$50,000

    $24     $22

PIP medical $100 deductible

PIP economic with $200 deductible

   $174    $186
Any other included items:    
Total    $510    $730

Progressive gives the option to self-select your gender as non-binary when applying online. Our quotes showed costs remained relatively the same when we selected this option and kept all other details unchanged. See our Methodology section below for information on our user profiles. 

Progressive Car Insurance Discounts

Progressive’s plethora of discounts may vary by state, but offer multiple opportunities to save: 

  • Youth discounts: Teen driver, good student (B or better), and distant student (away at college)
  • Loyalty discounts: Multi-policy (5% discount), multi-car (12% discount), 
  • Safety discounts: Snapshot mobile or device usage-based monitoring ($145 average discount), small accident forgiveness, large accident forgiveness, traffic incidents
  • Payment discounts: Sign online (8.5% discount), paperless, pay in full, automatic payment
  • Other discounts: Homeowner (nearly 10%)

Progressive Car Insurance Availability

Progressive provides auto insurance in all 50 states, though discounts and coverage vary by location. Most states require drivers to carry minimum liability limits, and that’s the lowest selection Progressive will quote.

Drivers seen as high-risk because of a history of accidents, multiple traffic violations, or serious infractions like a DUI may be denied coverage by Progressive. Progressive may also decline to cover vehicles with a history of significant natural disaster-caused damage or title issues. 

How to Get a Progressive Car Insurance Quote

Some insurance companies provide estimates, but Progressive offers firm quotes. Quotes are available online or over the phone by calling your local agent or customer service at 1-888-671-4405. The online policy discount savings is available even if you start your quote online, then call.

To get a quote, you’ll need to answer quite a few questions, including your employment status, occupation, and how you use your vehicle–pleasure, business, commercial, farming, and/or ridesharing. 

If you already have a car insurance budget, Progressive’s Name Your Price Tool is an efficient way to see what coverage options are available based on what you’re willing to pay. 

How to File a Claim with Progressive

Policyholders can use Progressive’s mobile app, online account, or customer service line at 1-800-776-4737 to file a claim. You’ll be asked to provide basic information about what happened and then choose whether you’d like to complete the repairs with Progressive or receive a payment for the estimated repair cost. 

If you want to repair your car with the company, you’ll schedule it with a network repair shop or a mechanic of your choice. If your vehicle is totaled, Progressive pays your car’s market value minus your deductible to the vehicle owner, lender, or both. 

Progressive Customer Service

Study How Progressive Fared
JD Power Auto Claims Satisfaction Study #16 out of 22
JD Power Auto Insurance Satisfaction Study

#2 out of 9 in Texas

#3 out of 11 in Northwest

#9 out of 9 in New York

Middle of the pack for all other regions

NAIC Complaints Index 0.89 (About average)

Overall satisfaction

 In J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, Progressive ranked as average across regions for overall customer satisfaction was 829 points, close to the average score of 833 for all areas. It’s in the top five in Texas, the Northwest, New York, Central, and New England regions. While average isn’t bad, it’s certainly nothing to brag about, especially when competitors like GEICO consistently outrank Progressive. 

Claims

In the 2019 Auto Claims Satisfaction Study, Progressive’s ranking was #16 out of 22, which was below industry average but still in J.D. Power’s “about average” category.

According to the National Association of Insurance Commissioners (NAIC), most complaints in 2019 concerned claims handling, specifically concerning delays, unsatisfactory settlements or denials of claims. Progressive earned a 0.89 on the NAIC Complaint Index in 2019, just a bit better than the industry average of 1.0. That was far better than the 1.56 it scored in 2017. 

Digital service

Shopping for insurance usually isn’t a pleasurable experience, and Progressive was #8 out of 22 in digital shopping in the 2020 J.D. Power Digital Experience study. Progressive came in at #7 out of 8 for overall quote-to-purchase experience in the 2020 U.S. Insurance Shopping Study.

In the digital study, Progressive ranked at #11 out of 19 for service. That said, you’ll find more tools than usual at your disposal to help you choose a policy, including Progressive’s Name Your Price Tool, online quote, and car insurance rate comparer. Once you sign up, you can easily manage your account through Progressive’s well-received iPhone and Android apps.

As a Progressive policyholder, you get exclusive discounts through PerkShare, which run the gamut from car rentals to Kurgo dog travel accessories to PODS Storage and a free “Just Married” sign for your getaway car. 

Financial Stability

An insurance provider’s financial stability determines its ability to meet its claims responsibility. AM Best, a leading insurance rating agency, gives Progressive an A+, showing it’s a company with a superior ability to meet ongoing insurance obligations. 

Other Insurance Provided by Progressive

Other Progressive offerings include a very wide variety of vehicle coverage, including some you might not easily find elsewhere: 

  • ATV/UTV
  • Classic Car
  • Motorcycles (including mopeds, dirt bikes, sport bikes and vintage bikes)
  • Segway
  • Golf cart
  • Personal watercraft
  • Snowmobile
  • Boat 
  • RV
  • Sportscars and exotic cars, up to $150,000

Other non-vehicle insurance includes:

  • Homeowners and property 
  • Life and health 
  • Business 
  • Travel 
  • Wedding and event
  • Pet 
  • Identity theft 

Compare Other Car Insurance Reviews

Whether Progressive is a good fit for you depends on your unique circumstances, including the car you drive, your claims history, and your desired coverage levels. It’s essential to compare quotes with other providers before committing to a company. Here are three other popular car insurers to help you in your search. 

Final Verdict

Progressive can be an excellent company for drivers wanting to:

  • Insure their car or a more unusual vehicle 
  • Cover a pet’s injuries while in the car
  • Purchase additional insurance coverage for a new or leased car

Methodology

The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability. 

In addition, we look at the cost of a basic policy for a Ford Explorer—one of the most popular cars in the U.S., but not so popular that it’s among the most stolen cars and therefore, more expensive to insure. Our fictional applicants live in a residential suburb of Minneapolis. Insurance premiums in the suburbs generally tend to be between the higher rates in urban areas and lower premiums in rural regions. We chose Minnesota because it has about average exposure to severe weather incidents (it has snow, but no hurricanes or tornadoes), and its rates are in the middle of the pack compared with other states. 

To give an idea of the range of premiums available to different risk profiles, we got quotes for a middle-aged woman with a clean driving record and a young male with a couple of accidents. Your situation may be quite different, but our quote is not meant to cover every kind of situation; instead it’s a sample of what premiums could be with this provider. We use the same profile for every car insurance provider we review, to give the best chance of comparing providers’ costs across the board. 

Article Sources

The Balance 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 .
  1. J.D. Power. "Auto Insurance Websites Surpass Agents in Importance to Customer Interaction, J.D. Power Finds." Accessed Sept. 30, 2020.

  2. J.D. Power. "2019 Auto Claims Satisfaction Study." Accessed Sept. 30, 2020.

  3. J.D. Power. "2020 U.S. Insurance Shopping Study." Accessed Sept. 30, 2020.