Progressive is the third-largest insurer in the country, so it’s not surprising it offers more coverage choices than many competitors, has around-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, with products such as pay-as-you-drive user-based auto insurance, and installment plans for paying premiums. If you’re seeking coverage for not just your car, but 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
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
Inconsistent J.D. Power customer satisfaction scores
Won’t insure a car worth more than $150,000
- 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
Progressive Car Insurance Coverage
Progressive covers the basics by offering essential coverages you’ll find with most insurers. Those include:
- Bodily and property liability
- 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)
Uninsured/underinsured motorist bodily injury
PIP medical $100 deductible
PIP economic with $200 deductible
|Any other included items:|
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% average discount), multi-car (4% discount),
- Safety discounts: Snapshot mobile or device usage-based monitoring ($146 average discount), small accident forgiveness, large accident forgiveness, traffic incidents
- Payment discounts: Sign online (9% 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 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|
|2020 JD Power Auto Claims Satisfaction Study||#21 out of 22|
|2021 JD Power Auto Insurance Satisfaction Study||
#5 out of 14 in CA
#8 out of 14 in Central region
#8 out of 9 in Florida
#7 out of 15 in Mid-Atlantic region
|NAIC Complaints Index||0.9 (About average)|
In J.D. Power’s 2021 U.S. Auto Insurance Satisfaction Study, Progressive ranked between 813 and 843 depending on the region. The average for all insurers was 835. It’s in the top five in California, New England, Texas, and the Southwest. While average isn’t bad, it’s certainly nothing to brag about, especially when competitors like State Farm consistently outrank Progressive.
In the 2020 Auto Claims Satisfaction Study, Progressive’s ranking was #21 out of 25, which was near the bottom of the rankings for claims satisfaction.
According to the National Association of Insurance Commissioners (NAIC), most complaints in 2020 concerned claims handling, specifically concerning delays, unsatisfactory settlements or denials of claims. Progressive earned a 0.90 on the NAIC Complaint Index in 2020, just a bit better than the industry average of 1.0.
Shopping for insurance usually isn’t a pleasurable experience, and Progressive was #7 out of 22 in digital shopping in the 2020 J.D. Power Digital Experience study. In the digital study, Progressive ranked at #2 out of 20 for service. Progressive’s Name Your Price Tool, online quote, and car insurance rate comparer are among the digital tools the insurance firm offers. 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.
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:
- Classic Car
- Motorcycles (including mopeds, dirt bikes, sport bikes and vintage bikes)
- Golf cart
- Personal watercraft
- Sportscars and exotic cars, up to $150,000
Other non-vehicle insurance includes:
- Homeowners and property
- Life and health
- Wedding and event
- 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.
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
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.
Insurance Information Institute. "Facts + Statistics: Insurance company rankings." Accessed August 4, 2021.
J.D. Power. "Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds." Accessed August 3, 2021.
J.D. Power. "Auto Insurance Claims Satisfaction Climbs to Record High as Carriers Refine Customer Experience During Pandemic, J.D. Power Finds." Accessed August 3, 2021.
NAIC. "Progressive Cas Ins Co National Complaint Index Report." Accessed August 3, 2021.
J.D. Power. "Property & Casualty Insurers Stuck at Providing Only “Good Enough” Digital User Experience, J.D. Power Finds." Accessed August 3, 2021.
Businesswire. "AM Best Affirms Credit Ratings of The Progressive Corporation and Its Members." Accessed August 4, 2021.