Progressive American Insurance Company Review (2024)

Progressive American Insurance Company, distinguished by its A+ A.M. Best rating, stands as a premier insurance provider, offering an extensive array of coverage options coupled with competitive pricing and exceptional customer service—a trusted choice for safeguarding your assets and securing your future.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked
4.1
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Progressive American Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Wide range of insurance options
  • Competitive pricing and discounts
  • Exceptional customer service
  • User-friendly online services
  • Strong commitment to corporate social responsibility

Cons

  • Limited availability in some regions
  • May not offer specialized insurance products

Progressive American Insurance Company, with its stellar A+ A.M. Best rating, offers a comprehensive suite of insurance options catering to a broad spectrum of needs. From auto and home insurance safeguarding your assets to renters and life insurance policies ensuring financial security, Progressive American stands as a versatile choice.

Their competitive pricing, coupled with various discounts, makes insurance more accessible, while a strong commitment to customer service ensures a smooth claims process. Furthermore, their corporate social responsibility initiatives showcase their dedication to making a positive impact on the community.

With a rich history and a reputation for reliability, Progressive American Insurance is a trusted name in the industry, serving millions of customers nationwide.

progressive insurance Insurance Coverage Options

Progressive American Insurance Company offers a variety of coverage options to meet the diverse needs of its customers. Here is a bullet list summarizing the coverage options provided by the company:

  • Auto Insurance: Comprehensive coverage for accidents, theft, and liability protection.
  • Home Insurance: Protection for your home and personal belongings against damages, theft, and liability.
  • Renters Insurance: Coverage for personal possessions when renting a property.
  • Life Insurance: Policies that provide financial security for loved ones, including term and permanent life insurance options.
  • Commercial Insurance: Comprehensive solutions for businesses, including property, liability, and business interruption coverage.

These coverage options cater to a wide range of insurance needs, ensuring that customers can find the right policy to protect their assets and loved ones.

Read more: Progressive Advanced Insurance Company: Customer Ratings & Reviews

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progressive insurance Insurance Rates Breakdown

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Driver ProfileProgressive AmericanNational Average
Clean Record$150$119
1+ Ticket$200$147
1+ Accident$240$173
DUI$300$209
Poor Credit$258$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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progressive insurance Discounts Available

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DiscountProgressive American
Anti Theft12%
Good Student8%
Low Mileage10%
Paperless5%
Safe Driver18%
Senior Driver15%

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Progressive American Insurance Company provides various discounts to help policyholders save on their insurance premiums. Here is a bullet list detailing some of the discounts offered by the company:

  • Multi-Policy Discount: Save when you bundle multiple insurance policies, such as auto and home insurance.
  • Safe Driver Discount: Reward for maintaining a clean driving record with no accidents or violations.
  • Multi-Car Discount: Discount for insuring multiple vehicles on the same policy.
  • Continuous Insurance Discount: Savings for customers who maintain continuous insurance coverage.
  • Homeowner Discount: Available to homeowners, offering additional savings on auto insurance.
  • Good Student Discount: Reduced rates for students who maintain good grades.
  • Paperless Billing Discount: Incentive for policyholders who opt for paperless billing and electronic statements.
  • Online Quote Discount: Savings for customers who get a quote and purchase their policy online.
  • Pay-in-Full Discount: Discount for policyholders who pay their premiums in a single, upfront payment.
  • Telematics Discount: Savings for safe driving habits tracked through usage-based programs.

These discounts make Progressive American Insurance more affordable and accessible to a wide range of customers, encouraging safe driving and responsible insurance practices. Keep in mind that eligibility for these discounts may vary based on location and other factors, so it’s advisable to inquire with the company directly for personalized information.

How progressive insurance Ranks Among Providers

Progressive American Insurance Company operates in a highly competitive insurance industry. Its main competitors include some of the largest and most well-known insurance providers in the United States. Here are some of Progressive’s primary competitors:

  • State Farm: State Farm is one of the largest insurance companies in the U.S., offering a wide range of insurance products, including auto, home, and life insurance. They have a strong network of agents and a long-standing reputation for customer service.
  • Geico: Geico is known for its competitive auto insurance rates and humorous advertising campaigns. They offer a variety of insurance products, with a strong focus on auto insurance.
  • Allstate: Allstate is another major player in the insurance industry, offering auto, home, and life insurance, among other products. They emphasize personalized service and have a significant presence across the country.
  • Nationwide: Nationwide provides insurance solutions for individuals and businesses, including auto, home, and commercial insurance. They are known for their range of coverage options and financial services.
  • Liberty Mutual: Liberty Mutual offers a broad spectrum of insurance products and services, including auto, home, and business insurance. They focus on customer convenience and online tools.
  • USAA: USAA primarily serves military members and their families, offering a range of insurance and financial services. They are known for exceptional customer service and tailored insurance products.
  • Farmers Insurance: Farmers offers a wide array of insurance options, including auto, home, and life insurance. They have a network of agents and a strong presence in many states.
  • Progressive: While Progressive is a major player in the industry, it competes with itself to some extent by offering policies through independent agents and online platforms.

These competitors, along with many regional and smaller insurance providers, create a competitive landscape where companies strive to differentiate themselves through pricing, coverage options, customer service, and innovative technology. Customers often compare quotes and policy features from these companies to find the insurance that best suits their needs.

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Claims Process at Progressive American Insurance

Ease of Initiating a Claim

Progressive American Insurance Company understands that the ease of initiating a claim is paramount for policyholders.

They offer a variety of options, including online, phone, and mobile app channels. Whether you prefer the convenience of a few clicks on your smartphone or a conversation with a claims representative, Progressive American ensures you have a stress-free way to start the process.

Timely Claim Processing

When you file a claim, time is of the essence. Progressive American Insurance Company is committed to efficiency. While the specific processing time may vary depending on the complexity of your claim, the company’s dedication to prompt service aims to minimize any unnecessary delays.

They understand the importance of a quick resolution, ensuring you receive the assistance you need without undue delay.

Customer Satisfaction With Claim Resolutions

Customer feedback is invaluable, especially when it comes to claim resolutions and payouts. Progressive American Insurance Company has received extensive feedback from policyholders regarding their claim experiences.

This insight helps the company continually refine its claims process to enhance customer satisfaction. Knowing that your feedback is considered and acted upon can provide peace of mind during the claims process.

Digital and Technological Features of Progressive American Insurance

Mobile App Functionality

Progressive American Insurance Company offers a feature-rich mobile app designed to provide policyholders with easy access to their insurance information.

Whether you need to view policies, make payments, or even file a claim while on the move, the mobile app’s user-friendly interface ensures a seamless experience. It’s like carrying your insurance agent in your pocket.

Convenient Online Account Management

Managing insurance policies has never been simpler. Progressive American Insurance Company’s online account management capabilities empower you to take control of your coverage.

Through the company’s website, you can access a suite of tools for managing policies, making payments, and updating personal information. This online convenience allows you to stay on top of your insurance without the hassle.

Accessible Digital Tools and Resources

In addition to their mobile app and online account management, Progressive American Insurance Company provides a range of digital tools and resources.

These resources may include educational materials, frequently asked questions (FAQs), and interactive tools to help you make informed decisions about your coverage. The company’s commitment to offering comprehensive digital assets enhances your insurance experience.

Frequently Asked Questions

What makes Progressive American Insurance unique in the insurance industry?

Progressive American Insurance stands out for its diverse range of insurance products, competitive pricing, exceptional customer service, and a strong commitment to corporate social responsibility. Their ability to offer tailored coverage options and a history of reliable service set them apart.

How can I file a claim with Progressive American Insurance?

To file a claim with Progressive American Insurance, you can contact their customer service or use their user-friendly online claims portal. They provide support throughout the claims process to ensure a hassle-free experience.

What types of discounts are available for policyholders?

Progressive American Insurance offers several discounts, including multi-policy, safe driver, multi-car, continuous insurance, homeowner, good student, paperless billing, online quote, pay-in-full, and telematics discounts. These discounts can help you save on your premiums.

How does Progressive American Insurance rate in terms of financial stability?

Progressive American Insurance boasts an A+ rating from A.M. Best, reflecting its strong financial stability and ability to meet its financial obligations.

What sets Progressive American Insurance apart from other insurance providers?

Progressive American Insurance differentiates itself through its diverse coverage options, competitive pricing, exceptional customer service, and a strong commitment to corporate social responsibility.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Progressive Insurance

4.06 (13,128 reviews)
1
June 25, 2024

Jabunn1987

Progressive refuses to change

I had a deeply disappointing experience with Progressive Insurance that has left me feeling utterly let down as a customer. Without my authorization or consent, Progressive added a driver to my policy, resulting in an unexpected cost of over $300 on my part. When I reached out to Progressive to rectify this egregious error on their part, they not only failed provide a solution but also showed a complete lack of empathy towards my situation. What...
I had a deeply disappointing experience with Progressive Insurance that has left me feeling utterly let down as a customer. Without my authorization or consent, Progressive added a driver to my policy, resulting in an unexpected cost of over $300 on my part. When I reached out to Progressive to rectify this egregious error on their part, they not only failed provide a solution but also showed a complete lack of empathy towards my situation. What's even more concerning is that this is not an isolated incident. It appears that this deceptive practice of adding unauthorized drivers to policies is a recurring problem at Progressive, with numerous customers falling victim to this unjust scheme. Despite being aware of this issue, Progressive has shown a blatant disregard for customer satisfaction by prioritizing profit over the well-being of their clients. As a customer who trusted Progressive with my insurance needs, I am deeply disappointed by their unethical behavior and lack of accountability. It is disheartening to witness a company of such stature overlook the concerns of its customers and perpetuate practices that harm rather than protect them. In light of this distressing experience, I urge anyone considering Progressive Insurance to exercise caution and be vigilant of such deceptive practices that could potentially put your finances and trust at risk.
1
April 17, 2024

KLA-169

You may not get your full refund.

Not a company I would do business with again. I had progressive insurance, cancelled it because I sold the car. Got my refund check followed their instructions for returning their snapshot device. They stopped payment on the refund check after it was deposited and are issuing me two separate checks one for the "snapshot device" and the rest of the money they owe me. This cost me an over draft fee and a returned check fee, which they refuse to cov...
Not a company I would do business with again. I had progressive insurance, cancelled it because I sold the car. Got my refund check followed their instructions for returning their snapshot device. They stopped payment on the refund check after it was deposited and are issuing me two separate checks one for the "snapshot device" and the rest of the money they owe me. This cost me an over draft fee and a returned check fee, which they refuse to cover. Not because they didn't owe me the money but because they refunded it in two checks. Never do business with these people.
0.5
March 16, 2024

Bio Or

progressive insurance review

They will leave you if you need them! I can’t definitely recommend this company! Basically, one star is already too much for them.
1
January 10, 2024

fedoria7

DO NOT HONOR CLAIMS WILL DENY YOU INSTANTLY

Rated 1 out of 5 stars An hour ago DO NOT EVER MENTION INSTA-CART DO NOT EVER MENTION INSTA-CART, UBER, LYFT, etc. THEY WILL IMMEDIATELY DENY YOUR CLAIM BEFORE IT IS REVIEWED, BEAT THEM AT THEIR OWN GAME MAKE SURE TO ADD RIDE SHARE IN YOUR POLICY IF YOU DECIDED TO DO ANYTHING ELSE IN YOUR VEHICLE. THEY WILL FIND A WAY THROUGH LOOP HOLES NOT TO HONOR FULL COVERAGE. THEY SHOULD BE SUED!!!!! BEEN FIGHTING WITH THEM SINCE 01/01/2024, WHAT A WAY TO B...
Rated 1 out of 5 stars An hour ago DO NOT EVER MENTION INSTA-CART DO NOT EVER MENTION INSTA-CART, UBER, LYFT, etc. THEY WILL IMMEDIATELY DENY YOUR CLAIM BEFORE IT IS REVIEWED, BEAT THEM AT THEIR OWN GAME MAKE SURE TO ADD RIDE SHARE IN YOUR POLICY IF YOU DECIDED TO DO ANYTHING ELSE IN YOUR VEHICLE. THEY WILL FIND A WAY THROUGH LOOP HOLES NOT TO HONOR FULL COVERAGE. THEY SHOULD BE SUED!!!!! BEEN FIGHTING WITH THEM SINCE 01/01/2024, WHAT A WAY TO BEGIN THE NEW YEAR, ALSO THE CLIAMS REPRESENTIVES ARE VERY RUDE AND TWIST FACTS TO COVER THEMSELVES... DO NOT RECOMMEND PROGRESSIVE TO ANYONE!!!
1
January 14, 2023

FlyntRock78

Horrible customer service

It's funy to me how they pump all these commercials about how Progressive has your back. Well let me tell you in fact they don't! As soon as you file a claim, you don't get Flow and [REDACTED NAME] from their commercials that talk about how they take care of their customers. You get someone like [REDACTED NAME] E. [REDACTED NAME]. After dragging their feet for a week he hits me with a lowball offer at about 40% of what it would take to replace m...
It's funy to me how they pump all these commercials about how Progressive has your back. Well let me tell you in fact they don't! As soon as you file a claim, you don't get Flow and [REDACTED NAME] from their commercials that talk about how they take care of their customers. You get someone like [REDACTED NAME] E. [REDACTED NAME]. After dragging their feet for a week he hits me with a lowball offer at about 40% of what it would take to replace my vehicle. I sent him local market evidence of similar vehicles that are selling for more than double his offer. This was 3pm on a Friday. He had all the info he needed to make a phone call if he even needed to and then call me back with a real offer on my totaled vehicle so we could just settle and move forward. He simply replied that he would get back to me in a week!!! I could hear the frustration in his voice. For not accepting his low ball offer, I'm now being punished by him personally by getting put off yet another week without a vehicle. He couldn't care less about what I'm going through and it showed with his extremely poor customer service and lack of remorse over my situation which he only made worse. I only wish there was an option for zero stars because that's what Progressive really deserves.
1
November 28, 2022

Leah_p

The worst

Progressive has to be the worst insurance I've ever dealt with having them for 10 years no claims Then my car was stolen Had to pay everything out of pocket then get reimbursed a month later Which came out to be almost $7000 Not even a week after having my car back My radiator ran out they denied it I still had [REDACTED ZIP CODE] miles on my warranty of my tires They denied replacement of them When they were damaged from being in the desert Wh...
Progressive has to be the worst insurance I've ever dealt with having them for 10 years no claims Then my car was stolen Had to pay everything out of pocket then get reimbursed a month later Which came out to be almost $7000 Not even a week after having my car back My radiator ran out they denied it I still had [REDACTED ZIP CODE] miles on my warranty of my tires They denied replacement of them When they were damaged from being in the desert While it was stolen And i am talking about a brand new vehicle so it wasn't like it was an old car That might have mechanical issues Please don't use this insurance company It's nothing but my A headache if you actually have to use your insurance
1
July 10, 2021

RFK

Get lost Flo

Never again will I use progressive. You can’t hardly talk to anyone with any knowledge and if you try to sign up with the company on the phone they charge you extra money because you used a person.
1
May 24, 2021

Ace_1

This insurance [REDACTED WORD]

I will never go through this insurance company again they the sorry company I will never give them my money again their communication skills are off they giving you a run for your money I give their [REDACTED WORD] 0 stars whoever is [REDACTED NAME] they need to let him go making their company look bad and don’t know how to talk to anybody never give this company won’t get none of my money
1
May 18, 2021

KobuSosho

Random charge after I already paid premium in full

They asked for a garaging address confirmation out of the blue not long after I paid for the 12-month premium. If I don't, they will charge me $600 extra premium as a new rate, which is ridiculous. Why they didnt ask for it in the first place when they gave me the initial estimate to make a clean, one time payment is beyond me, probably want give me some hard time so they can get lucky with the extra money by trapping you since you already paid ?...
They asked for a garaging address confirmation out of the blue not long after I paid for the 12-month premium. If I don't, they will charge me $600 extra premium as a new rate, which is ridiculous. Why they didnt ask for it in the first place when they gave me the initial estimate to make a clean, one time payment is beyond me, probably want give me some hard time so they can get lucky with the extra money by trapping you since you already paid ? After I upload the proofs, it takes them almost a week to review but they are giving you so little time between the confirmation request and the due date for the extra premium. They shove the new charge in your face so quickly and actively with emails and multiple mails but when they reject your proofs, you are only notified by mail, which I am under the impression that they intentionally to make things slow for you to hard to get out of the extra charge. They are very nit picking about the proofs you provided also. When you called them, they say only certain information is needed but after they are sent, they will say they can't accept it, making the whole process such a hassle. Do not use them, as they will throw extra charges at you for no reason, or a made up reason in my case, since they already trapped you with the insurance that you already paid for. Either pay for the random bills or no insurance coverage for you
1
April 8, 2021

Suegoo

Worst insurance company and customer service.

My 22 year old son left our family policy and started his own. Progressive mistakenly charged him $900 because they mistakenly put my husband and my insurance with his. They charged him $900.00 without notifying him. They told him it would take two weeks to make a refund because he signed an agreement that they could charge more without asking. I entered a three way call but could not get anywhere with customer service. Now have to deal with ...
My 22 year old son left our family policy and started his own. Progressive mistakenly charged him $900 because they mistakenly put my husband and my insurance with his. They charged him $900.00 without notifying him. They told him it would take two weeks to make a refund because he signed an agreement that they could charge more without asking. I entered a three way call but could not get anywhere with customer service. Now have to deal with the bank. Thieves. Who goes into someone's wallet without asking?
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<h3>Progressive American Monthly Auto Insurance Rates</h3>
<h3>Progressive American Monthly Auto Insurance Rates</h3>