Progressive Home & Auto Insurance Bundle Review

Progressive earned a MoneyGeek score of 90.67 across auto coverage quality, auto customer satisfaction, home coverage quality and home customer experience. Its auto performance is a strength, while home coverage lowers the overall score.

It ranks second nationally for auto coverage with a score of 9.64 out of 10, behind Farmers. It includes liability coverage, property damage coverage, collision coverage and comprehensive coverage, plus gap insurance, rideshare coverage and Snapshot. Auto customer satisfaction is 27.23 out of 35, ranking fifth nationally.

The company ranks 16th for home coverage quality with 10.84 out of 15 and 10th for home customer experience with 27.66 out of 35. It writes home insurance through third-party carriers rather than underwriting directly, which limits control over pricing and claims and lowers the bundle’s overall ranking.

We reviewed feedback from Progressive customers who bundle home and auto. Satisfied customers point to competitive bundle pricing and Progressive's excellent app. Disappointed customers describe confusion about discovering that Progressive doesn't actually underwrite home coverage. They disconnect when the partner company handles claims poorly, and lose bundle benefits when Progressive switches the home policy to a different underwriter.
MoneyGeek users (usernames anonymized) said this about their Progressive home and auto bundle experiences:

Some Progressive customers appreciate competitive bundle pricing and digital convenience, while others express confusion about partner company relationships and service quality inconsistencies. 

Because forum posts skew toward strong experiences in either direction, they're best read alongside MoneyGeek's scored data.

Progressive ranks 15th nationally with an overall score of 90.67 out of 100. Its annual bundle cost of $4,417 trails only Travelers ($5,597) and Farm Bureau ($4,627) for the highest annual premium. Several insurers with higher MoneyGeek scores also cost less per year.

Policyholders who want stronger overall value can compare the State Farm bundle, which scores 92.20 and costs $3,104 per year, or the Allstate bundle, which scores 91.47 at $3,584 per year. The GEICO bundle is another alternative worth comparing if auto rates are the primary concern.

Progressive’s home and auto bundle costs $368 per month, or $4,417 per year. Buying the same policies separately costs $4,733, making the bundling discount $316, or 6.7%. The auto portion averages $199 per month ($2,388 annually), and the home portion averages $169 per month ($2,029 annually). 

At $4,417 per year, Progressive ranks 18th for affordability. MMG averages $1,347 per year, the lowest in MoneyGeek’s review. Progressive’s $2,029 home premium exceeds the national average, reflecting its use of third-party underwriting for home policies.

MoneyGeek’s sample profile uses a 40-year-old male driver with a clean record, good credit and a 2012 Toyota Camry LE, paired with a 2,500-square-foot frame home built in 2000. Auto coverage is 200/300 with a $1,000 deductible, and home coverage includes $100K dwelling, $50K personal property and $100K liability.

MoneyGeek's pricing reflects a 40-year-old male driver with a clean record, good credit and a 2012 Toyota Camry LE, paired with a 2,500-square-foot frame home built in 2000. Auto coverage is set at 200/300 with a $1,000 deductible; home coverage is $100K dwelling, $50K personal property and $100K personal liability.

Progressive's bundle is available in 18 states. Annual costs range from $2,455 per year in Arizona to $10,723 per year in Florida, based on rate data for a 40-year-old driver with good credit and a clean record. Florida and Texas are the two highest-cost states at $10,723 and $10,522 per year respectively, where Progressive's third-party home carrier pricing is especially steep.
The bundle discount varies by state, ranging from 2.5% in Texas to 10.8% in California.

Progressive's bundle is best for policyholders whose primary need is strong auto coverage. The insurer's auto coverage ranks second nationally, and adding home insurance through Progressive's partner network gives some multi-policy savings.

The bundle is a weaker fit for policyholders who want strong home insurance alongside their auto coverage. Progressive writes home policies through third-party carriers, which means less consistency in home claims handling and pricing.

Checking the full Progressive car insurance review and the company review gives a clearer picture of where Progressive's auto strengths lie.

Budget-focused policyholders will also find better options elsewhere. At $4,417 per year, Progressive's bundle costs $1,313 more annually than State Farm's bundle while scoring nearly two points lower on MoneyGeek's scale. Policyholders who want competitive auto rates with a home discount should compare quotes from the best insurance companies before deciding.

Progressive's multi-policy discount applies automatically when you bundle home and auto coverage, producing a 6.7% savings on the combined annual premium. Progressive also offers additional insurance discounts that can reduce your auto premium.

The Snapshot telematics program rewards safe driving behavior tracked through a mobile app or plug-in device. Progressive also offers discounts for paying in full, going paperless, signing online, owning a home (separate from the bundle discount), being a continuous insurance holder and completing a quote online. 

On the home side, discounts vary by the third-party carrier writing the policy.

Stacking Snapshot savings with the multi-policy discount can bring Progressive's auto rate down, but the home premium stays the higher-cost component. 

Policyholders in states like Texas and Florida, where the home portion averages over $8,000 and $5,000 annually, respectively, are unlikely to close the gap to more competitive bundlers through discounts alone.

Progressive's 6.7% multi-policy discount is the lowest percentage in this guide, and its $316 annual dollar savings ranks last. State Farm's bundle produces the largest dollar savings at $786 per year (20.2%), and Farmers follows at $754 per year (17.4%). Insurers with lower base premiums produce larger absolute savings than Progressive.

The low discount reflects how Progressive structures its home product. Because home policies are written by partner carriers rather than Progressive itself, the insurer has less flexibility to extend deep multi-policy discounts across both lines. Policyholders who want the largest dollar savings from bundling will find more value with State Farm, Farmers or Nationwide.

Progressive's bundle pairs its own auto policy with a homeowners policy from a third-party partner carrier. The auto side covers liability, collision and comprehensive as standard options, with add-ons including gap insurance, rental reimbursement, roadside assistance and custom parts coverage. The home side coverage depends on which partner carrier Progressive connects you with in your state, but standard options include dwelling damage, personal property loss, other structures and personal liability.

Because the home policy comes from a separate company, coverage options and claims processes differ between the auto and home sides of the bundle.

Progressive's home and auto bundle scores 90.67 out of 100 and ranks 15th nationally, making it one of the weaker bundle options on this page despite the insurer's strong auto coverage ranking. At $4,417 per year with a 6.7% discount, policyholders pay more and save less compared to most competitors. 

The bundle makes the most sense for drivers already committed to Progressive for auto coverage who want the convenience of a single insurer, in states where the home partner pricing is more competitive.

The questions below address common concerns about Progressive's home and auto bundle.

MoneyGeek evaluated Progressive's home and auto bundle using data from various sources and verified policyholder feedback. Because Progressive uses partner companies to underwrite home coverage, we scored the home side based on the partner carrier's pricing and service data rather than Progressive's auto metrics alone. The profiles and weights below reflect the full criteria behind every number on this page.