iconribbonscore88

5/5

discounts

4/5

complaints

3/5

satisfaction

4.5/5

stability

4/5

affordability


pros

This is an iconInnovative features, including an online quote tool that provides users with multiple ways to get a quote
This is an iconProvides Financial Responsibility Insurance Certificates (SR-22)
This is an iconExcellent financial strength ratings

cons

This is an iconAverage customer service ratings according to J.D. Power 2019 claims satisfaction study
This is an iconDiscounts and coverage options can vary in different states
This is an iconMore expensive than certain competitors

Progressive brings excellent financial stability, great features and discounts and multiple coverage options to the table. However, they also have average customer service ratings, and can be more expensive than many of their competitors. Those looking for cheap car insurance rates might find that Progressive is not the best fit for their auto insurance needs.

How Does Progressive Auto Insurance Rate?

To evaluate insurance companies, MoneyGeek uses data from several reputable sources, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). Based on information from these sources, Progressive auto insurance is ranked third in MoneyGeek’s top ten list of the best car insurance companies in the country.

Customer Satisfaction Rating

First Notice of Loss:
3/5
Estimation of Process:
3/5
Repair Process:
4/5
Claims Servicing:
3/5
Rental Experience:
5/5
Settlement:
3/5

According to data provided by J.D. Power, Progressive earns a customer satisfaction rating of 832 out of 1,000 points. The industry average score is 835, so Progressive's reputation in this area is roughly equivalent to a typical insurer. J.D. Power's data also informed these star ratings, showing how Progressive performs in several specific categories.

Customer Complaint Ratio

Progressive

The NAIC catalogs user complaints and issues a Company Complaint Index comparing the median number of complaints against a company with the national median of 1. A score higher than 1 indicates higher customer complaints than average. Progressive gets a score of 1.33, indicating a slightly higher customer complaint rate than the national median.

Financial Strength

The AM Best Financial Strength Rating is an indicator of the financial strength of a company and reflects its ability to pay claims. While this is not a warranty for policyholders, a financially sound provider is more likely to pay genuine claims without issues. Progressive gets an excellent score of A+ on this metric, reflecting its good fiduciary strength.

Loading...

Progressive Insurance Features

While shopping for car insurance, it’s important to look at coverage options and special features to assess what’s right for your needs. Progressive brings several coverage options and features to the table, including the Snapshot program that rewards safe drivers, free bundled pet injury coverage and several ways to get quotes, including an innovative Name Your Price tool.

  • Type of Feature
    Description
  • Calculators
    Calculate your rates by entering your information or current coverage level.
  • Online Price Quotes
    Progressive’s website and mobile app have multiple options to get quotes, including a Name Your Price tool.
  • Online Bill Pay
    Easy online bill payment through the mobile app and company website.
  • Online Claims
    Claims can be filed online using the website or mobile app.
  • Mobile App
    Allows customers to get quotes, report claims, manage policies and request roadside assistance.

Progressive Auto Coverage

Progressive is a full coverage car insurance provider offering state-mandated liability car insurance and other basic insurance options, along with several other coverage options. Customers can easily pick and choose to create a plan or enter a budget and receive a personalized policy that fits their budget.

  • Type of Coverage
    Description
  • Collision
    Pays to repair or replace your vehicle after a collision. Progressive also includes pet insurance with collision coverage.
  • Personal Injury Protection
    Covers medical payments after an injury, as well as reimbursements for non-medical expenses, like lost wages.
  • Uninsured
    You can choose from several levels of coverage to ensure financial reimbursement for uninsured or underinsured motorists.
  • Liability
    Liablity combinations that include bodily injury and property damage cover are available.
Loading...

Optional Insurance Features and Coverage

Progressive car insurance has an extensive list of optional coverage and features you can use to augment your policy. For example, Progressive offers rideshare insurance in several states.

  • Type of Option
    Description
  • Rental Reimbursement
    Pays for car rentals when the insured vehicle is under repairs.
  • Roadside Assistance
    Includes several roadside assistance options that cover towing and labor. Roadside assistance can be activated using the mobile app.
  • Accident Forgiveness
    Claims under $500 do not affect premiums. Large accident claims do not affect premiums for customers with five or more years of tenure and three accident-free years.
  • Gap Coverage
    Progressive will pay up to 25% over an insured vehicle's actual cash value if it is totaled to cover a lease or loan.

Available Discounts on Progressive Car Insurance Coverage

Progressive offers a range of special discounts you can use to lower your premiums. Of particular note is the Snapshots program, an opt-in program that tracks driver behavior for six months and rewards safe drivers with discounts.

  • Type of Discount
    Description
  • Safe Driver
    The Snapshots program awards safe drivers. There is an introductory discount for signing up.
  • Good Student
    High school and college students with good grades may be eligible for a discount.
  • Multi Vehicle
    You can save up to 12% on average if you insure two or more vehicles with Progressive.
  • Multi Policy
    You can receive an average discount of up to 5% when you combine two or more Progressive insurance policies.
  • Auto Pay
    Automatically debits payments on time and comes with a discount.

Other Progressive Insurance Products

Progressive offers several other insurance products, including homeowners and renters insurance, commercial and recreational vehicles insurance and health insurance. Bundling these together could help you save money and get lower rates.

  • Type of Product
    Description
  • Homeowners Insurance
    Includes dwelling insurance, loss of use coverage, liability insurance and more. Customers can also include coverage for other structures, medical cost coverage and optional coverage for legal costs.
  • Renters Insurance
    Includes personal property protection, loss of use coverage and personal liability insurance. The Enhanced Coverage package also includes personal injury protection at a small added cost.
  • Life Insurance
    Comprehensive life insurance options that provide a death benefit to a loved one.
  • Classic Car Insurance
    Offers insurance for classic cars, sports cars and exotic cars with value up to $150,000.
  • Recreational Vehicle Insurance
    Covers a range of recreational vehicles like motorcycles, golf carts, RVs, trailers, snowmobiles, boats and Segways.

How to Make a Car Insurance Claim With Progressive

Customers can make a car insurance claim through the Progressive website, mobile app or claims phone line. Once you have a claim in place, you can track it online.

Contact Progressive Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources