For most drivers, Progressive is the fifth-best car insurance company nationwide, excelling in customer experience and add-on coverage options. This ranking reflects a 40-year-old male driver with good credit and no driving violations. Progressive's ranking for your profile depends on your coverage needs.
Progressive Car Insurance Review
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Progressive ranks seventh for full coverage affordability and eighth for minimum liability coverage, with average rates of $122 and $65 monthly, respectively.
Progressive earns fifth place nationwide for overall customer satisfaction, standing out due to strong agent service and positive customer reviews on forums.
Progressive places second for coverage options, offering features like mechanical breakdown insurance and a disappearing deductible program.
Progressive Car Insurance Ratings
| Overall Score | 4.20 | 5 |
| Customer Experience | 4.45 | 5 |
| Coverage | 4.85 | 2 |
| Affordability | 3.96 | 8 |
Who Is Progressive Car Insurance Best and Worst For?
Progressive works best for drivers seeking cheap rates with a DUI, newer car coverage, extensive add-on coverage options and excellent overall service.
Young drivers and military members should consider other companies first. Military members should choose USAA, which outpaces Progressive in affordability, customer experience and coverage options.
Note: Teen drivers under 18 face additional legal requirements and restrictions that vary by state.
Compare how Progressive stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.29 | 6 |
Progressive Car Insurance Ratings by State
Progressive is among the top five companies in 38 out of 51 states and territories in the United States. The company is the best provider overall in Oklahoma, North Carolina, Louisiana, New York, South Dakota, Washington, California and Oregon.
| Alabama | 4.10 | 6 |
| Alaska | 4.00 | 3 |
| Arizona | 4.48 | 3 |
| Arkansas | 4.08 | 6 |
| California | 4.63 | 1 |
| Colorado | 3.89 | 4 |
| Connecticut | 3.89 | 5 |
| Delaware | 4.45 | 2 |
| District of Columbia | 3.70 | 3 |
| Florida | 4.00 | 9 |
| Georgia | 4.50 | 3 |
| Hawaii | 3.98 | 5 |
| Illinois | 4.16 | 6 |
| Indiana | 4.54 | 2 |
| Iowa | 4.50 | 3 |
| Kansas | 4.11 | 5 |
| Kentucky | 4.24 | 3 |
| Louisiana | 4.80 | 1 |
| Maine | 4.36 | 3 |
| Maryland | 3.84 | 8 |
| Massachusetts | 3.96 | 8 |
| Michigan | 4.38 | 4 |
| Mississippi | 4.36 | 3 |
| Missouri | 4.63 | 3 |
| Montana | 4.21 | 4 |
| Nebraska | 4.17 | 5 |
| Nevada | 4.42 | 2 |
| New Hampshire | 4.34 | 5 |
| New Jersey | 4.28 | 7 |
| New Mexico | 4.66 | 3 |
| New York | 4.86 | 1 |
| North Carolina | 4.82 | 1 |
| North Dakota | 4.50 | 2 |
| Ohio | 4.16 | 4 |
| Oklahoma | 4.98 | 1 |
| Oregon | 4.90 | 1 |
| Pennsylvania | 4.03 | 9 |
| Rhode Island | 3.99 | 5 |
| South Carolina | 4.33 | 4 |
| South Dakota | 4.70 | 1 |
| Tennessee | 4.05 | 5 |
| Texas | 4.49 | 4 |
| Utah | 4.72 | 2 |
| Vermont | 4.25 | 4 |
| Virginia | 4.12 | 7 |
| Washington | 4.88 | 1 |
| West Virginia | 3.90 | 4 |
| Wisconsin | 3.89 | 8 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
Progressive Car Insurance vs. Competitors
Let's look at how Progressive car insurance stacks up against national competitors:
Progressive vs. GEICO | 4.2 vs. 4.34 | Progressive is worse than GEICO mainly due to affordability even considering its superior customer experience and coverage add-on selection |
Progressive vs. State Farm | 4.2 vs. 4.16 | While the less expensive option, State Farm falls behind in agent service reputation and is outperformed in add-on coverage selections. |
Progressive vs. AAA | 4.2 vs. 3.79 | Progressive is the most balanced option overall, beating AAA in all categories of cost, customer experience and coverage. |
Progressive vs. Allstate | 4.2 vs. 3.78 | Allstate's customer experience is the worst among national insurers and affordability is lackluster, making Progressive the better option |
Progressive vs. USAA | 4.2 vs. 4.86 | For military members, USAA outpaces Progressive in all categories of affordability, customer experience and coverage options. |
Progressive vs. Travelers | 4.2 vs. 4.5 | Travelers, while lacking in coverage options, has superior rates and better customer reputation than Progressive overall. |
Progressive vs. Farmers | 4.2 vs. 3.86 | Farmers is thoroughly beat in most categories by Progressive across all states, especially for those with high-risk backgrounds. |
How Much Does Progressive Car Insurance Cost?
Most drivers are concerned about car insurance rates. Progressive's car insurance costs vary based on your profile and coverage needs, ranging from $62 to $1,313 monthly.
To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $122 | $1,469 | -2% | 7 |
Progressive Car Insurance Rates by Driver Category
Progressive is one of the cheapest car insurance companies for those with DUIs on their record and drivers with newer cars. Young drivers will find Progressive much more expensive than average. Review how affordable Progressive is for your driving category in the table below.
| Adult Drivers | $67 | $125 | 6% | 9 |
| Young Drivers | $186 | $377 | 25% | 14 |
| Senior Drivers | $88 | $163 | 8% | 10 |
| Drivers With an Accident | $101 | $197 | 11% | 9 |
| Drivers With a DUI | $85 | $165 | -24% | 4 |
| Drivers With a Speeding Ticket | $87 | $171 | 12% | 9 |
| Drivers With Bad Credit | $140 | $288 | -5% | 10 |
| Drivers With Low Income | $98 | $205 | 13% | 10 |
| Adult Drivers | $68 | $128 | 6% | 8 |
| Drivers With Newer Cars | $67 | $127 | -10% | 4 |
| Drivers With Old Cars | $62 | $118 | 9% | 10 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Progressive Car Insurance Rates by State
Progressive's average monthly rates vary from $14 to $364 by state. The provider ranks within the top five most affordable companies for 11 out of 51 states and territories. See Progressive's affordability and pricing in your area below.
| Alabama | $86 | $133 | 39% | 11 |
| Alaska | $65 | $137 | 34% | 6 |
| Arizona | $78 | $126 | 0% | 8 |
| Arkansas | $40 | $119 | -1% | 7 |
| California | $54 | $105 | -30% | 3 |
| Colorado | $59 | $163 | 9% | 7 |
| Connecticut | $140 | $201 | 49% | 9 |
| Delaware | $119 | $165 | 0% | 8 |
| District of Columbia | $194 | $273 | 84% | 7 |
| Florida | $154 | $364 | 51% | 10 |
| Georgia | $61 | $128 | -11% | 5 |
| Hawaii | $47 | $112 | 37% | 7 |
| Illinois | $63 | $101 | 10% | 8 |
| Indiana | $45 | $71 | -7% | 7 |
| Iowa | $21 | $78 | -23% | 3 |
| Kansas | $52 | $130 | 13% | 8 |
| Kentucky | $89 | $127 | 4% | 9 |
| Louisiana | $77 | $225 | -10% | 6 |
| Maine | $34 | $67 | -10% | 5 |
| Maryland | $126 | $200 | 38% | 10 |
| Massachusetts | $78 | $115 | 35% | 10 |
| Michigan | $62 | $107 | -16% | 5 |
| Mississippi | $54 | $143 | 10% | 9 |
| Missouri | $61 | $103 | -11% | 7 |
| Montana | $63 | $128 | 22% | 7 |
| Nebraska | $42 | $126 | 12% | 8 |
| Nevada | $81 | $163 | 5% | 8 |
| New Hampshire | $52 | $80 | 6% | 8 |
| New Jersey | $115 | $183 | 4% | 8 |
| New Mexico | $60 | $99 | -4% | 6 |
| New York | $34 | $64 | -46% | 2 |
| North Carolina | $35 | $61 | -38% | 2 |
| North Dakota | $34 | $71 | -18% | 6 |
| Ohio | $53 | $80 | 8% | 8 |
| Oklahoma | $29 | $96 | -33% | 2 |
| Oregon | $46 | $82 | -26% | 2 |
| Pennsylvania | $75 | $157 | 41% | 11 |
| Rhode Island | $84 | $141 | 14% | 9 |
| South Carolina | $64 | $139 | 3% | 8 |
| South Dakota | $14 | $55 | -50% | 1 |
| Tennessee | $68 | $109 | 18% | 10 |
| Texas | $87 | $149 | 9% | 7 |
| Utah | $71 | $105 | -9% | 4 |
| Vermont | $39 | $74 | 7% | 7 |
| Virginia | $85 | $120 | 36% | 11 |
| Washington | $58 | $105 | 3% | 9 |
| West Virginia | $88 | $135 | 37% | 7 |
| Wisconsin | $46 | $112 | 28% | 10 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Progressive Car Insurance Discounts
Progressive offers 14 car insurance discounts, with average savings of up to 12% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | 6% | Must have 2+ policies with Progressive | Available nationwide |
Multi-Car | 11% | 2+ vehicles on policy at same address | Available nationwide |
Good Student | 8% | Students aged 16–22, B average (3.0+ GPA), full-time enrollment | Unavailable in 15 states, including California, Hawaii, North Carolina |
Teen Driver | Variable | Driver 18 or younger, after 1 year with Progressive | Available nationwide |
Distant Student | Variable | Student 22 or younger, 100+ miles from home, no car at school | Unavailable in California, Hawaii, North Carolina |
Homeowner | 6% | Homeowner status verification | Available nationwide |
Continuous Insurance | Variable | 6+ months continuous coverage, applied at first renewal | Available nationwide |
Online Quote | 7% | Complete quote online | Unavailable in California |
Sign Online | 9% | Electronic signature of policy documents | Unavailable in California |
Pay in Full | 12% | Pay 6-month premium in advance | Unavailable in California and New York |
Automatic Payment | Variable | EFT from checking account or credit/debit card | Cannot combine with pay-in-full discount |
Paperless | Variable | Opt for electronic delivery of policy documents | Unavailable in California |
Snapshot | $188 per year | Mobile app or plug-in device tracks driving habits | 20% of users see rate increases; unavailable in California |
Defensive Driving | 5% | Complete state-approved defensive driving course | Available nationwide |
Progressive Car Insurance Customer Reviews and Reputation
Progressive ranks fifth for overall customer satisfaction in MoneyGeek's comprehensive customer experience study. The insurer earns strong ratings for agent service and digital experience but receives higher-than-average complaints about claims in user reviews.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
Progressive's own customer reviews highlight easy setup processes with knowledgeable, patient, and helpful representatives, with many customers noting competitive rates and straightforward switching experiences. The digital buying process is streamlined and fast, though some customers report rate increases shortly after initial quotes.
Policy Management
Progressive's website and mobile app are described as "super-easy to use" with smooth functionality for payments, quotes, and policy management. While most customers find the mobile app helpful, some describe trying to get a hold Progressive's customer service as "difficult and irritating".
Claims Experience
Customer experiences vary. Some customers praise claims representatives as "accommodating, patient" and note good initial response ("Are you okay? Have you been hurt?").
Other customers report problems, including unresponsive adjusters, lengthy delays, disputed fault determinations and poor communication, with some requiring state regulatory intervention to resolve claims.
Progressive Car Insurance Industry Customer Satisfaction Ratings
Progressive ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Progressive's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa | aaa to d | High credit quality |
S&P Global Financial Strength | A | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | A2 | Aaa to C | Upper-medium grade with low credit risk |
J.D. Power Auto Claims Satisfaction | 672/1,000 | 1,000-point scale | Below average (industry average: 697) |
J.D. Power Digital Service Experience | 715/1,000 | 1,000-point scale | Above average (tied for 3rd place) |
J.D. Power Auto Insurance Shopping Study | 678/1,000 (9th of 17) | Out of 1,000 | 9th out of 17 companies with a better than average experience |
J.D. Power Overal Customer Satisfaction | 621/1,000 | Out of 1,000 | Below average in all regions studied |
NAIC Auto Complaints | 0.98 | 1.00 is average | Slightly fewer complaints than expected |
Progressive Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members appreciate Progressive's low rates, easy-to-use app and helpful customer service representatives. Many drivers value features like Snapshot and the simplicity of switching coverage.
Common complaints include Progressive rate increases without warning at policy renewal. Claims processing creates problems. Customers report adjusters ignoring calls and fighting payouts until state insurance departments intervene.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
General thoughts on pricing initially are positive, but rate increases over time kill long-term value according to forum users:
"Progressive hooks you with great rates, then slowly bleeds you dry with renewal increases. Despite no claims, I saved 65% by switching after years of steady hikes."
Claims Processing
Claims processing is generally negative in terms of sentiment and lacks responsiveness, which is a common problem with larger insurers:
"When you actually need Progressive, they disappear. I filed at 2 p.m. on a Friday and didn't hear back until Monday, while the other driver's insurance had me in a rental car the same day."
Customer Service
Agent service while generally positive, also has mixed experiences which likely can be attributed to variations in different areas:
“My experience has always been great. When I had to call to report that I had been in an accident, their first question was always 'Are you OK? have you been hurt?'”
"Getting through to Progressive feels like a full-time job - different reps tell you different things, nobody returns calls, and when they do answer, they act like you're bothering them."
Digital Experience
Progressive's online resources are extremely well-received, with a rating of 4.8 out of 5 on the Apple App Store and 4.6 out of 5 on Google Play. While this is the case, the responsiveness when it comes to claims is a common issue even through online channels:
"Progressive's app and website work great for paying bills and checking your policy, but good luck using them when something actually goes wrong with your claim."
Trust and Reputation
As is with many larger insurers, trust varies widely and there is often negative sentiment online with Progressive not being an exception:
"Progressive fights you on everything - they'll change their tune real quick when the state insurance department gets involved, which tells you everything you need to know."
Coverage Options
People enjoy the amount of coverage options for add-ons at their disposal, but lack of understanding in terms of coverage and general responsiveness and reimbursing for claims again is a recurring issue:
"Progressive offers all the bells and whistles you could want in coverage options, but what's the point if they'll find every excuse not to pay when you need them?"
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Progressive Car Insurance Coverage Options
Progressive provides standard coverages like other major insurers, including liability, comprehensive and collision insurance. Additional add-ons from the company include:
Deductible Savings Bank | Reduces deductible by $50 per claim-free 6-month period | Can reduce deductible to $0; resets after claim |
Pet Injury Coverage | Up to $1,000 for pet's vet bills if injured in accident | Automatic inclusion, no additional deductible |
Custom Parts and Equipment (CPE) | Covers aftermarket modifications like custom wheels and stereos | Standard $5,000 limit, up to $30,000 |
Loan or Lease Payoff | Pays the difference between the car's value and the loan balance if totaled | Up to 25% above actual cash value |
Fills the coverage gap when driving for Uber or Lyft but haven't picked up passengers yet | Unique coverage period protection | |
Pays for rental car after covered accident | $30–$100 daily limits, typically 30-day maximum | |
Roadside Assistance | Towing, jump-starts, lockout service, flat tire changes | 24/7 service availability |
Trip Interruption | Lodging, food, transportation if breakdown >100 miles from home | $500 total: $100 lodging, $50 transport, $50 food daily |
OEM Parts Coverage | Uses Original Equipment Manufacturer parts for repairs | Automatic inclusion for newer vehicles |
New Car Replacement | Pays full MSRP for totaled car ≤1-2 model years old | Full manufacturer's suggested retail price |
Progressive Vehicle Protection | Covers major systems, minor dents, lost/stolen keys | Requires multiple other coverages |
Other Progressive Insurance Coverage Options to Consider
Below are insurance options besides auto to consider for bundles or standalone policies:
Who Offers It? | Insurance Products |
|---|---|
Progressive (Directly Offered) | Auto insurance, home insurance, motorcycle insurance, RV/trailer insurance, boat insurance, commercial auto insurance, commercial business insurance (select lines), umbrella insurance, renters insurance |
Third-Party Partner | Flood insurance, pet insurance, life insurance, travel insurance, identity theft protection, dental insurance, vision insurance, health insurance, jewelry insurance, wedding/event insurance, phone insurance |
Progressive Auto Insurance Review: Bottom Line
Progressive provides reliable and reasonably affordable insurance with extensive add-on coverage options. In MoneyGeek's provider study, Progressive ranks second for full coverage and fourth for minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
Progressive Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about Progressive car insurance:
Does Progressive insurance have a good reputation?
Progressive is a legitimate car insurance company that ranks fifth in our study. The insurer's coverage options are some of the best in the nation, and its agent service is top-notch.
Where is Progressive the best car insurance company?
Progressive is the best car insurance company in eight out of 51 states and territories, including:
- California
- Louisiana
- New York
- North Carolina
- Oklahoma
- Oregon
- South Dakota
- Washington
How much does Progressive car insurance cost on average?
Progressive's average annual cost for adults is $780 for minimum coverage and $1,469 for full coverage. Coverage from Progressive ranges from $742 to $6,226 for minimum and from $1,442 to $13,740 for full.
Is Progressive known for denying claims?
Based on customer reviews, Progressive is known for denying claims using technicalities, delay tactics and aggressive policy rescission strategies. Multiple customers report claims denied for flood damage, theft and reasons that even Progressive's own representatives admitted "didn't make sense," with legal sources highlighting its systematic use of fraud allegations to avoid payouts.
Note: This represents limited information based primarily on forum reviews.
Is Progressive a good option for high-risk drivers?
Progressive is a good option for drivers with a DUI due to its high affordability rank (fourth overall).
Does Progressive raise car insurance rates over time?
Yes, Progressive raises rates over time, just like other insurance companies. Several factors drive these increases beyond your control. Inflation pushes up repair costs and medical expenses, while distracted driving and severe weather lead to more frequent claims. Due to advanced technology and expensive parts, modern vehicles also cost more to fix.
Progressive also adjusts rates based on risk changes in your area, new state regulations and personal factors like credit score changes or aging into higher-risk age groups. Your rates can increase even with a clean driving record.
Is Progressive good for young drivers?
Progressive isn't the best choice for young drivers. The company ranks 14th for affordability among the insurers we reviewed, making it expensive for an age group that already pays high premiums.
How We Rated Progressive Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "Progressive Ratings and Reviews." Accessed September 17, 2025.
- Google Play. "Progressive - Apps on Google Play." Accessed September 17, 2025.