Progressive Car Insurance Review


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Key Takeaways

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Progressive ranks eighth for affordability, with average monthly rates of $122 and $65 for full coverage and minimum coverage, respectively.

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Progressive ranks fifth nationwide for customer satisfaction due to its strong agent service and forum reviews.

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Progressive earns second place for auto insurance coverage, offering unique options like mechanical breakdown insurance and a disappearing deductible.

Progressive Car Insurance Ratings

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.

Overall Score4.205
Customer Experience4.455
Coverage4.852
Affordability3.968

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 Score4.296
Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

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.

Alabama4.106
Alaska4.003
Arizona4.483
Arkansas4.086
California4.631
Colorado3.894
Connecticut3.895
Delaware4.452
District of Columbia3.703
Florida4.009
Georgia4.503
Hawaii3.985
Illinois4.166
Indiana4.542
Iowa4.503
Kansas4.115
Kentucky4.243
Louisiana4.801
Maine4.363
Maryland3.848
Massachusetts3.968
Michigan4.384
Mississippi4.363
Missouri4.633
Montana4.214
Nebraska4.175
Nevada4.422
New Hampshire4.345
New Jersey4.287
New Mexico4.663
New York4.861
North Carolina4.821
North Dakota4.502
Ohio4.164
Oklahoma4.981
Oregon4.901
Pennsylvania4.039
Rhode Island3.995
South Carolina4.334
South Dakota4.701
Tennessee4.055
Texas4.494
Utah4.722
Vermont4.254
Virginia4.127
Washington4.881
West Virginia3.904
Wisconsin3.898

*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$1256%9
Young Drivers$186$37725%14
Senior Drivers$88$1638%10
Drivers With an Accident$101$19711%9
Drivers With a DUI$85$165-24%4
Drivers With a Speeding Ticket$87$17112%9
Drivers With Bad Credit$140$288-5%10
Drivers With Low Income$98$20513%10
Adult Drivers$68$1286%8
Drivers With Newer Cars$67$127-10%4
Drivers With Old Cars$62$1189%10

*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65+. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.

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$13339%11
Alaska$65$13734%6
Arizona$78$1260%8
Arkansas$40$119-1%7
California$54$105-30%3
Colorado$59$1639%7
Connecticut$140$20149%9
Delaware$119$1650%8
District of Columbia$194$27384%7
Florida$154$36451%10
Georgia$61$128-11%5
Hawaii$47$11237%7
Illinois$63$10110%8
Indiana$45$71-7%7
Iowa$21$78-23%3
Kansas$52$13013%8
Kentucky$89$1274%9
Louisiana$77$225-10%6
Maine$34$67-10%5
Maryland$126$20038%10
Massachusetts$78$11535%10
Michigan$62$107-16%5
Mississippi$54$14310%9
Missouri$61$103-11%7
Montana$63$12822%7
Nebraska$42$12612%8
Nevada$81$1635%8
New Hampshire$52$806%8
New Jersey$115$1834%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$808%8
Oklahoma$29$96-33%2
Oregon$46$82-26%2
Pennsylvania$75$15741%11
Rhode Island$84$14114%9
South Carolina$64$1393%8
South Dakota$14$55-50%1
Tennessee$68$10918%10
Texas$87$1499%7
Utah$71$105-9%4
Vermont$39$747%7
Virginia$85$12036%11
Washington$58$1053%9
West Virginia$88$13537%7
Wisconsin$46$11228%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 received 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.

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    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.

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    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".

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    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

Claims Processing

Customer Service

Digital Experience

Trust and Reputation

Coverage Options

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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

Choosing the right coverage can feel overwhelming, with so many options. Progressive offers standard coverages like liability, comprehensive and collision insurance, plus unique add-ons. Review each option below to decide what's right for your needs.

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 overall for full coverage and fourth overall for minimum coverage.

We recommend comparing quotes from multiple insurers, researching your coverage needs and deciding on 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?

Where is Progressive the best car insurance company?

How much does Progressive car insurance cost on average?

Is Progressive known for denying claims?

Is Progressive a good option for high-risk drivers?

Does Progressive raise car insurance rates over time?

Is Progressive good for young drivers?

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 headshot

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.


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