Progressive Auto Insurance Review (2024)
Progressive Auto Insurance, a leading player in the insurance market, offers competitive rates and a diverse range of coverage options tailored to the needs of drivers.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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
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.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Progressive
Average Monthly Rate For Good Drivers
$105A.M. Best Rating:
A+Complaint Level:
LowPros
- Option to request an auto insurance quote online
- Complete policy purchase online
- Superior financial strength rating from AM Best
- Available in all 50 states
- Large network of local auto insurance agents
- Offers Snapshot, a usage-based insurance option
- Rideshare insurance available to Uber and Lyft drivers
- Variety of discounts
Cons
- Discounts are not available in all states
- Snapshot results can trigger an increase in rates for certain drivers
- Does not offer new car replacement
- Does not offer pay-per-mile insurance for low-mileage drivers
- Loan/lease coverage only pays the difference between 25% of the value of your vehicle and the remaining loan or lease amount.
Headquartered in Mayfield Village, Ohio, Progressive is the nation’s third-largest auto insurance company. Since its founding in 1937, Progressive has expanded its offerings to include both personal and commercial insurance and financial services in addition to auto insurance.
Not only does Progressive make it quick and easy to buy auto insurance online, but it also offers a variety of discounts so that customers can get low-cost auto insurance coverage in minutes.
If you are in the market for auto insurance or interested in switching companies, here’s more on Progressive auto insurance.
What You Should Know About progressive insurance
Yes, Progressive auto insurance is good. Between its nationwide availability, variety of discounts, and affordability, Progressive is an appealing choice. And thanks to its online purchase process, drivers who need auto insurance as soon as possible can request quotes and buy coverage on the same day.
Drivers also rate Progressive fairly high for claims and customer service.
The J.D. Power 2022 U.S. Auto Claims Satisfaction Study measures customer satisfaction among drivers who filed claims in the last six months. Progressive scored a total of 861 on a 1,000-point scale, which is slightly lower than the industry average of 873 but still higher than Travelers and AAA car insurance.
A.M. Best also awarded Progressive an A+ rating, which is its highest rating and designated for companies with the ability to honor insurance obligations to customers.
Read more: Progressive West Insurance Company: Customer Ratings & Reviews
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
progressive insurance Insurance Coverage Options
Progressive offers the following types of auto insurance:
- Liability auto insurance. Covers the cost of bodily injury and property damage for other drivers in an at-fault accident.
- Comprehensive auto insurance. Covers the cost of repairs to your vehicle resulting from vandalism, theft, fire, collision with an animal, or an act of nature, such as hail.
- Collision auto insurance. Covers the cost of repairs to your vehicle resulting from a collision with another vehicle or object.
- Uninsured/underinsured motorist coverage. Covers the cost of your and your passengers’ injuries and property damage caused by another driver with no insurance, insufficient insurance, or a hit-and-run-driver.
- Medical payments coverage. Covers medical payments for you and your passengers regardless of fault.
Drivers interested in more protection can take advantage of add-on coverage options.
Progressive Benefits and Auto Insurance Add-Ons
If you purchase a Progressive auto insurance policy, you get access to the following add-on coverage options:
- Roadside assistance. Covers the cost of roadside emergency services, including fuel delivery, lockout, and flat tire change.
- Rental car reimbursement. Covers the cost of a rental car, up to a certain limit, while your vehicle is repaired.
- Loan/lease payoff. Pays the difference between 25% of the value of your vehicle and the remaining loan or lease amount.
- Custom parts and equipment value. Covers the cost of custom parts and equipment you added to your vehicle.
- Pet injury insurance. Progressive can cover veterinarian bills for a pet injured in a car accident if you carry collision insurance coverage.
- Rideshare coverage. Provides coverage for drivers employed through rideshare companies while they are working.
- Deductible savings bank. Reduces your deductible by $50 every policy period you go without a violation or accident.
- Accident forgiveness. Allows drivers to avoid a rate increase after filing a claim under $500.
- Large accident forgiveness. Allows customers of at least five years who have gone violation and accident-free to avoid a rate increase after filing an expensive claim.
- Progressive accident forgiveness. Allows drivers to avoid a rate increase after filing a claim, up to one claim per policy period.
When choosing certain optional coverages, drivers can expect their premiums to increase. Shop around for quotes from multiple companies before choosing Progressive to see which offers the best rates for add-ons.
Progressive Usage-Based Insurance
Progressive’s usage-based insurance program, Snapshot, offers drivers the chance to save an average of $156 per year for their safe driving habits, or around $13/month. You’ll also save around $47 just for signing up.
The mobile app or plug-in telematics device monitors the following to calculate your discount:
- Acceleration
- Braking
- Time of driving
- Distracted driving
- Time and length of driving trips
To increase your chances of earning a discount, limit accelerations and hard braking, avoid weekend driving between 12 a.m. and 4 a.m., and don’t use your phone while driving.
While this program rewards good driving habits, Progressive can increase rates for risky drivers.
Drivers who use the Android or iOS Snapshot mobile app have access to their personal dashboard, which provides additional details about their driving. You can review your driving habits during recent trips and get tips to improve your driving and maximize your savings.
Before enrolling in the Snapshot program, consider the pros and cons:
| Pros | Cons |
|---|---|
| Potential to save an average of $156 per year for their safe driving habits | Insurance rates can increase if you engaged in risky, unsafe behavior when behind the wheel, such as speeding |
| Save an additional average of $47 just for enrolling | Only new Progressive customers are eligible for a participation discount |
| Improves your driving habits by providing tips based on insight from your driving tips | Snapshot is not available in California |
| Information collected could help the insurance investigation if you are involved in an accident |
Drivers who are considering Progressive can enroll in Snapshot Road Test, which allows them to drive for 30 days and review their potential discount before switching to Progressive.
Progressive Rideshare Insurance
Progressive offers rideshare insurance as an add-on coverage option. This type of insurance covers rideshare drivers while working, including the time the rideshare app is open and ready to accept a rider.
Progressive Mobile App
Progressive’s mobile app makes it easy for drivers to manage their policies from their smartphones.
Use the insurance mobile app to:
- View policy information, insurance cards, and other documents
- Make payments
- File a claim
- Request roadside assistance
- Search additional Progressive insurance products
The Progressive mobile app is available to Android and iPhone users.
How do I determine how much auto insurance coverage I need?
As you review Progressive’s coverage options, you may be wondering how much coverage you need. Since the type of coverage you select impacts your rates, it would be helpful to determine the ideal amount of coverage and its cost.
Here’s what to consider selecting auto insurance coverage.
- Income. Take a look at your income and calculate what you can afford for a monthly premium, as well as the cost of your deductible.
- Vehicle value. Typically, drivers with newer, higher-value vehicles tend to require more coverage than an older vehicle, so depending on your vehicle’s value, you’ll need more than standard coverage.
- Coverage costs. The cost of standard coverage and add-on coverage vary, but the more coverage you have, the higher your premium will be. You also want to consider the deductible attached to certain coverage.
- Coverage limits. Most states have a different minimum amount of coverage for liability, which determines how much will be covered in the event of an at-fault accident. If a driver increases their coverage limit, their premium will also increase.
While you want to ensure you don’t purchase any coverage you don’t need, not purchasing enough can leave you vulnerable.
For example, if you only purchase liability insurance and cause an accident, you’ll have to pay out-of-pocket to repair or replace your vehicle. However, if you buy collision coverage, it will cover your vehicle’s damage.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
How do I file a claim with Progressive?
Drivers can start the claims process online, through the Progressive mobile app, or by calling 1-800-776-4737. You submit your claim by providing basic information before you’re connected to an expert who will be there to assist throughout the claims process.
Here are the steps to filing a claim with Progressive:
Perform a Vehicle Inspection
An estimator will inspect your vehicle and determine the cost of repairs or if the vehicle is a total loss.
A total loss is when the cost of repair exceeds the vehicle’s value. In this case, the driver would receive a payment equal to the vehicle’s value instead of having repairs completed.
Choose a Repair Shop
Before choosing a repair shop, first confirm with your claims representative that you’d either like to repair the vehicle or receive a payment equal to the cost of the repairs. Be aware that drivers with leased or financed vehicles may be required to get the repairs.
You’ll choose where you want your vehicle repaired if you move forward with repairs. Progressive has a network of repair shops, but you can also go with the shop of your choice.
Going with a repair shop not included in Progressive’s network could affect how much of your claim it covers, so confirm with your claims adjuster before choosing.
Schedule Your Repairs
Your claims representative will schedule your repairs with the repair shop of your choice.
Repairs Are Completed at the Shop of Your Choice
Once repairs are complete, you can pick up your vehicle from the repair shop.
Drivers should note that when choosing a Progressive-approved repair shop, repairs are guaranteed throughout your ownership or leasing of the vehicle.
Additional Progressive Insurance Products
In addition to auto insurance, Progressive also offers the following insurance products:
- Vehicle (ATV, boat, classic car, golf cart, motorcycle, etc.)
- Mechanical breakdown
- Homeowners
- Renters
- Condo
- Mobile home
- Flood
- Commercial auto
- Business
- General liability
- Professional liability
- Workers’ compensation
- Dental
- Electronic device
- Health
- ID theft
- Life
- Pet
- Travel
- Umbrella
- Jewelry
- Vision
- Wedding and event
Certain additional insurance products are available through other insurers and companies.
progressive insurance Insurance Rates Breakdown
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Driver Profile | Progressive | National Average |
|---|---|---|
| Clean Record | $105 | $119 |
| 1+ Ticket | $140 | $147 |
| 1+ Accident | $186 | $173 |
| DUI | $140 | $209 |
| Poor Credit | $181 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Progressive auto insurance rates vary based on several factors, including driving history and type of coverage.
Let’s dive deeper into Progressive’s average auto insurance rates to give you a better idea of what to expect.
Progressive Auto Insurance Rates for Good Drivers
Below are Progressive’s rates for good drivers.
Monthly Progressive Insurance Rates by State
| State | Monthly Average Progressive Premium |
|---|---|
| Alaska | $255 |
| Alabama | $371 |
| Arkansas | $443 |
| Arizona | $298 |
| California | $237 |
| Colorado | $353 |
| Connecticut | $410 |
| District of Columbia | $414 |
| Delaware | $348 |
| Florida | $465 |
| Georgia | $375 |
| Hawaii | $182 |
| Iowa | $200 |
| Idaho | Data Not Available |
| Illinois | $295 |
| Indiana | $325 |
| Kansas | $345 |
| Kentucky | $462 |
| Louisiana | $622 |
| Maine | $304 |
| Maryland | $341 |
| Massachusetts | $320 |
| Michigan | $447 |
| Minnesota | Data Not Available |
| Missouri | $285 |
| Mississippi | $359 |
| Montana | $361 |
| North Carolina | $199 |
| North Dakota | $302 |
| Nebraska | $313 |
| New Hampshire | $225 |
| New Jersey | $331 |
| New Mexico | $260 |
| Nevada | $339 |
| New York | $314 |
| Ohio | $286 |
| Oklahoma | $403 |
| Oregon | $302 |
| Pennsylvania | $371 |
| Rhode Island | $436 |
| South Carolina | $381 |
| South Dakota | $313 |
| Tennessee | $305 |
| Texas | $389 |
| Utah | $319 |
| Virginia | $208 |
| Vermont | $435 |
| Washington | $267 |
| West Virginia | Data Not Available |
| Wisconsin | $261 |
| Wyoming | $367 |
Good drivers see some of the lowest rates because of their safe, responsible driving habits and clean driving records.
Progressive Auto Insurance Rates for Young Adult Drivers
Here’s how much auto insurance for young adult drivers costs with Progressive vs. other insurers.
Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $637.83 | $608.25 | $518.58 | $448.42 |
| American Family | $480.08 | $390.17 | $390.33 | $287.67 |
| Farmers | $741.75 | $777.50 | $603.17 | $573.25 |
| Geico | $311.92 | $297.75 | $253.58 | $219.58 |
| Liberty Mutual | $778.25 | $716 | $632.75 | $527.92 |
| Nationwide | $476.17 | $410.50 | $387.17 | $302.67 |
| Progressive | $813.83 | $801.42 | $661.75 | $590.83 |
| State Farm | $349.25 | $310.83 | $284 | $229.17 |
| Travelers | $896.83 | $708.83 | $729.17 | $522.58 |
| National Average | $609.58 | $557.92 | $495.58 | $411.33 |
Typically, young adult drivers pay higher premiums due to their inexperience. Find out how much auto insurance costs for a 16 year old.
Progressive Auto Insurance Rates for Adult Drivers
After gaining experience behind the wheel, rates generally decrease for adult drivers.
Progressive Auto Insurance Rates for Senior Drivers
You can review Progressive’s rates for senior drivers below as they compare to other providers.
Average Monthly Full Coverage Senior Auto Insurance Rates by Gender
| Insurance Company | 60-Year-Old Male With a Clean Record | 60-Year-Old Female With a Clean Record | 65-Year-Old Male With a Clean Record | 65-Year-Old Female With a Clean Record |
|---|---|---|---|---|
| Allstate | $153.92 | $149.75 | $156.50 | $158.33 |
| American Family | $99.17 | $97.92 | $107.58 | $106.33 |
| Farmers | $122.83 | $115.25 | $130.08 | $130.67 |
| Geico | $74.33 | $72.67 | $78.42 | $78.17 |
| Liberty Mutual | $157.50 | $146.50 | $168.50 | $165.92 |
| Nationwide | $104.42 | $99.08 | $112.25 | $110.58 |
| Progressive | $95.25 | $92.08 | $102.83 | $109.33 |
| State Farm | $76 | $76 | $84.17 | $84.17 |
| Travelers | $88.75 | $87.67 | $95.42 | $94.17 |
| National Average | $108 | $104.08 | $115.08 | $115.25 |
Similar to a young adult driver, a senior driver’s age can impact rates due to the likelihood of them filing a claim.
Progressive Auto Insurance Rates After a Speeding Ticket
Here’s what drivers can expect to pay after getting a speeding ticket.
Average Monthly Auto Insurance Rates with One Speeding Ticket
| Company | Average Rates with Clean Record | Average Rates with 1 Speeding Violation |
|---|---|---|
| Allstate | $318.33 | $373.63 |
| American Family | $224.47 | $252.15 |
| Farmers | $288.38 | $339.92 |
| Geico | $178.83 | $220.45 |
| Liberty Mutual | $397.86 | $475.11 |
| Nationwide | $228.85 | $259.47 |
| Progressive | $282.76 | $333.52 |
| State Farm | $235.10 | $265.50 |
| Travelers | $287.31 | $355.07 |
| USAA | $161.14 | $182.77 |
Auto insurance companies do background checks, and rates will be higher for those with traffic violations or a criminal record.
Speeding tickets indicate to insurance companies that a driver is reckless, so rates typically increase once a driver receives this type of violation.
Progressive Auto Insurance Rates After an Accident
Following an accident, it is likely that rates will increase. Learn how long an accident can stay on your record.
Average Monthly Auto Insurance Rates for Drivers with One Accident
| Company | Average Rates with Clean Record | Average Rates with 1 Accident |
|---|---|---|
| Allstate | $318.33 | $415.64 |
| American Family | $224.47 | $310.23 |
| Farmers | $288.38 | $376.56 |
| Geico | $178.83 | $266.06 |
| Liberty Mutual | $397.86 | $517.07 |
| Nationwide | $228.85 | $283.08 |
| Progressive | $282.76 | $398.09 |
| State Farm | $235.10 | $283 |
| Travelers | $287.31 | $357.48 |
| USAA | $161.14 | $209.69 |
Depending on fault, the claim amount, and whether or not the driver has accident forgiveness, your Progressive auto insurance rates might not increase. Always compare car insurance quotes after an accident to see how Progressive compares to other companies near you.
Progressive Auto Insurance Rates After a DUI
Driving under the influence is another type of violation, so rates often increase after a DUI. In addition, a DUI can stay on your record for a couple of years. During that time, insurance companies may consider you a high-risk driver and charge you higher rates.
Average Monthly Auto Insurance Rates with One DUI
| Company | Average Monthly Rates with Clean Record | Average Monthly Rates with 1 DUI |
|---|---|---|
| Allstate | $318.33 | $521.73 |
| American Family | $224.47 | $360.85 |
| Farmers | $288.38 | $393.23 |
| Geico | $178.83 | $406.32 |
| Liberty Mutual | $397.86 | $634.46 |
| Nationwide | $228.85 | $378.60 |
| Progressive | $282.76 | $330.80 |
| State Farm | $235.10 | $303.07 |
| Travelers | $287.31 | $478.45 |
| USAA | $161.14 | $292.17 |
In addition to increased insurance rates, drivers could also face legal consequences if they drive under the influence. Learn more about what a DUI is.
Progressive Auto Insurance Rates for Drivers with Poor Credit
Here’s how Progressive auto insurance rates differ based on a driver’s credit score.
Average Monthly Full Coverage Auto Insurance Rates by Credit Rating
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| Allstate | $295.92 | $196.83 | $166.08 |
| American Family | $202.67 | $136.25 | $115.50 |
| Farmers | $269.42 | $160.50 | $139.50 |
| Geico | $148.42 | $99.75 | $82 |
| Liberty Mutual | $354.67 | $226 | $176.67 |
| Nationwide | $165.67 | $132.92 | $120.42 |
| Progressive | $205.92 | $137.92 | $109.17 |
| State Farm | $199.83 | $117.58 | $90.92 |
| Travelers | $193.58 | $127.83 | $107.25 |
| USAA | $128.75 | $75.83 | $62.75 |
| Average | $226.25 | $148.42 | $123.08 |
Drivers with low credit scores tend to pay higher rates than those with lower credit scores.
How much is minimum coverage with Progressive?
Minimum auto insurance coverage is often cheaper than full coverage. The national average monthly rate for minimum coverage can range from $44 to $251, depending on the driver.
Minimum coverage with Progressive can range from $35.20 to $327.44 per month.
How much is full coverage with Progressive?
The national average monthly rate for full coverage can range from $105.61 to $618.49, depending on the driver.
Full coverage auto insurance with Progressive can range from $92.12 to $813.86 per month.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
What factors are used to calculate insurance premiums?
If you ever asked yourself, “why is my car insurance so high?” it could be due to multiple issues. As mentioned, auto insurance companies use a variety of factors to calculate auto insurance premiums, including the following:
- Age. Depending on the driver’s age, they are seen as skilled and experienced due to the length of time they have been driving. For example, teen drivers are considered riskier than adult drivers.
- Gender. When comparing female and male drivers, male drivers tend to be more likely to file a claim than female drivers.
- Credit score. A driver’s credit score can predict the likelihood of them being involved in an accident or filing a claim, so those with poor credit are seen as risky compared to drivers with excellent credit.
- Driving record. Your driving record provides details about your driving history, such as traffic violations and accidents, which can be used to predict the likelihood of you filing a claim.
- Vehicle. Your vehicle’s make, model, year, safety features, ownership status, and repair costs.
- Mileage. Drivers with higher annual mileage are more likely to file a claim than drivers who get behind the wheel infrequently.
- Location. The state minimum coverage requirements, garaging address, type of area, and theft, vandalism, and accident rates.
- Type of coverage. Type of insurance coverage, coverage limits, and deductible.
Even though similar information is used to calculate your insurance costs, you will see a variety of rates since auto insurance companies use different rating systems. Your auto insurance may be high due to personal factors related to risk, such as living in a city as opposed to a rural area.
progressive insurance Discounts Available
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Discount | Progressive |
|---|---|
| Anti Theft | 12% |
| Good Student | 8% |
| Low Mileage | 10% |
| Paperless | 5% |
| Safe Driver | 18% |
| Senior Driver | 15% |
Progressive offers customers the following discounts to help them save on their premiums:
- Multi-policy. Available to drivers who bundle two or more Progressive insurance policies, such as home and auto.
- Multi-car. Available to drivers who insure two or more vehicles with Progressive.
- Continuous insurance. Available to drivers continuously insured with Progressive or another insurance company.
- Snapshot. Usage-based discounts for drivers who prove they are safe and responsible when behind the wheel. Availability varies by state. (For more information, read our “Progressive Snapshot Review“).
- Teen driver. Available to teen drivers between ages 15 and 19.
- Good student. Available to full-time students with a B+ grade average.
- Distant student. Available for students who attend school more than 100 miles away from garaging address and do not operate their vehicle frequently.
- Homeowner. Available to drivers who are homeowners.
- Online quote. Available to drivers who request a Progressive auto insurance quote online.
- Sign online. Available to drivers who sign their Progressive auto insurance documents online.
- Paperless. Available to drivers who receive their Progressive auto insurance policy documents online.
- Pay in full. Available to drivers who pay their auto insurance premium in full.
- Automatic payment. Available to drivers who set up automatic payments for their premiums.
Since Progressive’s auto insurance discounts vary by state, not all drivers will have access to the abovementioned discounts.
How can I save on Progressive auto insurance?
Whether you are switching to Progressive or just purchased a new vehicle and need coverage, there are many ways to save on your auto insurance.
Here’s how you can save money on Progressive auto insurance:
- Bundle two or more insurance policies. If you purchase two or more Progressive insurance policies, you save money.
- Choose the appropriate amount of coverage: Determine how much coverage is necessary and drop any extra coverage to lower your rates.
- Increase deductible. A higher deductible lowers your auto insurance rates but remember that if an accident occurs, you’ll have to pay more out of pocket before Progressive covers repairs.
- Improve your credit score. Increasing your credit score will lower your rate because you will no longer be seen as a risky driver.
- Review available discounts. Since Progressive offers a variety of discounts, review what’s available and confirm your eligibility to ensure you are getting every discount you can.
Of course, if Progressive’s rates still seem too high, shopping around can help you better understand what other auto insurance companies may charge. You can decide if Progressive is the right fit for you.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
How progressive insurance Ranks Among Providers
Here’s how Progressive measures up to its competition.
Progressive vs. Geico
Geico and Progressive are two popular auto insurance choices because they both offer affordable rates and many discounts.
Overall, Geico offers lower rates than Progressive. It also has a higher satisfaction score on the 2022 J.D. Power Customer Satisfaction Study, earning a score of 874 on a 1,000-point scale.
Progressive’s auto insurance may appeal to high-risk drivers because of its lower rates, depending on what’s reflected in their driving records. Additionally, the Snapshot program is available in more states than Geico’s DriveEasy program, meaning drivers with good driving habits have a better chance of saving on auto insurance with Progressive.
Progressive vs. State Farm
Progressive and State Farm are often considered to be some of the more reasonably-priced auto insurance carriers. As the top auto insurance provider in the nation, State Farm insurance rates are competitive and often more affordable than Progressive for both minimum and full coverage.
State Farm also earned a score of 882 on the 2022 J.D. Power Customer Satisfaction Study, which was higher than Progressive’s score of 861.
Both Progressive and State Farm offer a quick and convenient online purchase process to nationwide customers, as well as a number of standard and add-on coverage options, including rideshare insurance and car rental reimbursement.
Visit our State Farm auto insurance review for more information.
The Bottom Line: Who is a good fit for Progressive?
Any driver could be satisfied if they choose to purchase a Progressive auto insurance policy. Compared to other auto insurance companies, Progressive’s rates are competitive and often lower than the national average.
Progressive offers all drivers a variety of coverage options and multiple opportunities to save, and high-risk drivers, in particular, will likely find cheaper insurance with Progressive than other options available.
However, for the standard driver, there are more affordable options. Use our comparison tool below to get free auto insurance quotes from local companies to see how Progressive car insurance compares with insurers near you.
Frequently Asked Questions
Will my rental be covered while my car is being repaired?
Yes, if rental reimbursement is added to your policy, Progressive will cover the cost, up to a certain amount, while your vehicle is repaired.
How do insurance companies determine fault?
A claims adjuster reviews your state insurance laws and the details of the accident to determine who is at fault. In some cases, fault can be shared, and the financial responsibility will be divided between the drivers involved in the accident.
How do I file a claim with Progressive?
Drivers can start the claims process online, through the Progressive mobile app, or by calling 1-800-776-4737.
How do I request a Progressive auto insurance quote?
You can request a Progressive auto insurance quote online, through the mobile app, or speak to an independent agent.
How can I get a quote for Progressive Auto Insurance?
You can obtain a quote for Progressive Auto Insurance by visiting their official website or by calling their customer service number. They will ask for information about your vehicle, driving history, and other relevant details to provide you with a personalized quote.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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.
![](/wp-content/uploads/dw/-"5Bp5d".png)
Jabunn1987
Progressive refuses to change
KLA-169
You may not get your full refund.
Bio Or
progressive insurance review
fedoria7
DO NOT HONOR CLAIMS WILL DENY YOU INSTANTLY
FlyntRock78
Horrible customer service
Leah_p
The worst
RFK
Get lost Flo
Ace_1
This insurance [REDACTED WORD]
KobuSosho
Random charge after I already paid premium in full
Suegoo
Worst insurance company and customer service.