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Offers an above-industry average number of discounts
Wide range of available coverage limits
Has convenient online tools and a mobile app


Offers limited optional coverages
Customer service ratings are average
Not available in all states


Progressive has an average customer service reputation. Based on MoneyGeek’s extensive research, the company needs to improve its service quality since it received relatively low user satisfaction ratings from J.D. Power. Additionally, its National Association of Insurance Commissioners (NAIC) complaint index score was almost twice as high as the market average.

Learn more about renters insurance from Progressive and other insurance providers using MoneyGeek’s guide on the best renters insurance and the cheapest renters insurance companies. You can also use MoneyGeek’s tool to compare Progressive with other renters insurance providers in your state.

Does Progressive Have Good Customer Service?

The quality of service has a huge impact on customer satisfaction and retention in the insurance industry. Progressive ranks among MoneyGeek’s top picks for renters insurance based on its competitively priced policies and its financial stability ratings from AM Best.

However, the company received relatively low customer satisfaction ratings from J.D. Power and an above-median customer complaint index score from the National Association of Insurance Commissioners (NAIC). This means that Progressive had more complaints than normal, which could account for its low customer satisfaction ratings.

Customer Satisfaction Rating

Progressive has a J.D. Power score of 3.72 out of five in MoneyGeek’s rankings. J.D. Power measures renters insurance customer satisfaction by examining five factors, including interaction, policy offerings, price, billing process and policy information and claims. The industry average is 848, and Progressive scored 816.


Another useful indicator of customer satisfaction is the NAIC company complaint index score. Progressive has a NAIC score of 1.85, which is higher than the national median of 1.0. This means that the insurer receives relatively more complaints compared to its competitors.

Financial Stability Rating

A company’s financial stability rating is a strong indicator of its ability to meet its financial obligations. Progressive earned an AM Best rating of 4.5 out of five in MoneyGeek’s analysis thanks to its A+ rating. This means that the company is able to meet its ongoing financial obligations.

What to Expect From Progressive Renters Insurance

The process of getting a renters insurance policy tends to vary by provider. MoneyGeek has simplified this for you by breaking down the steps you need to take to acquire, manage and cancel a renters insurance policy from Progressive.


Getting a quote

You can get a personalized renters insurance quote from Progressive online by providing your ZIP code. You can also browse MoneyGeek’s data on quotes from Progressive in the next section.


Customer support

Progressive’s policyholders can connect with the company and its representatives 24/7 using several channels, including phone, email, website chat, social media accounts and mobile app.


Filing a claim

Policyholders can file a claim through the company’s website, mobile app or by calling its customer service hotline at 1-888-671-4405.


Canceling your policy

You can easily cancel your Progressive renters insurance policy by calling the customer service hotline and speaking with a representative. You may also cancel your policy through the company’s website and mobile app. You will need to provide your name, address, phone number, policy number and the effectivity date of your policy cancellation.

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Progressive’s renters insurance is available in all states except:

  • Alaska
  • Hawaii

How Much Does Progressive’s Renters Insurance Cost?

Renters insurance costs an average of $159 per year for $20,000 of personal property coverage. A similar policy with Progressive costs $154.

Your actual cost may vary depending on the value of your personal property, which determines the limit that you should choose. Use MoneyGeek’s personal property calculator for a quick look at how personal property coverage impacts the premium of your Progressive renters insurance. Alternately, you can get a quote from Progressive directly.

Average Cost of Progressive Renters Insurance

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    Progressive Average Premium
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The price of your renters insurance depends on your chosen coverage limit. Getting too little will offer inadequate protection for your assets while getting too much can be a waste of money. $20,000 in personal property coverage tends to be the sweet spot for most people. However, it is still best to find out how much you really need using our calculator below.


Total: $0

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Finding out exactly how much your personal property costs will give you a good idea of how much coverage you really need. This can help you save money by preventing you from getting too little or too much coverage.

What Discounts Does Progressive Offer?

Progressive offers six discounts for renters insurance, which is above the industry average of five. Aside from commonly offered discounts in the marketplace like multi-policy discounts, Progressive policyholders can also enjoy rare perks such as discounts for choosing to receive documents by email, living in a gated community and having a single deductible when you bundle your renters and auto policies.


Email documents discount

Get a discount by choosing to receive your Progressive renters insurance documents by email.

Annual payment discount

Earn a discount by paying your policy upfront in full.

Secured community discount

This applies if you live in a community where you have to drive by a security guard or use a key or remote to enter through a gate.

Single deductible benefit

If you bundle your renters and auto insurance policies with Progressive, only one deductible applies in the event that you need to file a claim on both policies.

Multi-policy discount

Save an average of 3% on your car insurance by getting your renters and auto policies from Progressive.

Quote in advance discount

You can get a discount by asking for a quote at least three days before your policy starts.

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If you are looking to save money, you can take advantage of bundling discounts when you get your renters and auto policies from Progressive. The multi-policy discount lets you save an average of 3% on your car insurance, while the single deductible benefit applies if you need to file a claim on both policies.

Which Coverage Types Does Progressive Offer?

Progressive provides a wide range of coverage limits from $10,000 to $100,000 that are available in $5,000 increments. However, it only has two advertised coverages, which is below the industry average of seven. The company offers water backup and personal injury coverages, which are also commonly provided by competitors.

MoneyGeek outlines the two additional coverage options for a Progressive renters insurance policy. You can get coverage for water backup and personal injury as add-ons to your policy.


Water Backup

Adding this option will cover the cost of water removal and damage to your belongings if plumbing or sewer systems get backed up. You can get this as an endorsement on your policy.


Personal Injury

This covers payment for legal fees and damages that you owe from slander or libel lawsuits. You can opt to add this to your policy.

When shopping for renters insurance, you need to make sure that you’re getting all the standard coverages since not all of these are automatically included in a policy.

Depending on where you live, you might need coverage for damages caused by floods, earthquakes or insect/pest infestations. Don’t forget to read the fine print before purchasing a policy.

Renters Insurance Coverages: What to Expect

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  • Personal Property Coverage
  • Personal Liability Coverage
  • Medical Payments Coverage
  • Additional Living Expenses (Loss of Use)
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Rarely Offered:
  • Flood Coverage
  • Earthquake Coverage
  • Insect or Bed Bug Coverage

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Progressive renters insurance lets you choose from the following coverage limits:

  • $10,000
  • $15,000
  • $20,000
  • $25,000
  • $30,000
  • $35,000
  • $40,000
  • $45,000
  • $50,000
  • $55,000
  • $60,000
  • $65,000
  • $70,000
  • $75,000
  • $80,000
  • $85,000
  • $90,000
  • $95,000
  • $100,000

What Online Renters Insurance Tools Does Progressive Offer?

Progressive has worked to ensure that its policyholders have an improved customer experience and be better-informed consumers about its various insurance products.

Below are several tools provided for free by Progressive to policyholders and potential customers.

Other Progressive Insurance Products

Progressive offers a wide range of insurance products and services in addition to renters insurance. These include vehicle insurance, property insurance and protection, personal insurance and services, business insurance and financial services.

You might be able to take advantage of multi-policy discounts when you purchase any of these options together with your Progressive renters insurance.

Type of Product

Auto Insurance

Progressive offers auto insurance that you can bundle with your renters insurance policy to save money.

Flood Insurance

This coverage will protect you if your home experiences a natural flood.

Life Insurance

A life insurance policy with Progressive provides financial security to your loved ones if you pass away. Progressive offers four types of life insurance, including term, short-term, final expense and whole.

Umbrella Insurance

For additional protection for your property, you can get umbrella insurance from Progressive. This goes beyond the limits of regular insurance.

Business Insurance

Business owners can get a business owners policy, professional liability insurance, general liability insurance, commercial auto insurance and workers’ compensation insurance from Progressive.

Classic Car Insurance

With Progressive’s coverage for classic cars, you can protect your collector car without any fixed mile restrictions.

Health Insurance

Progressive offers health insurance to ensure you are financially protected in case you have any medical needs.

Identity Theft Protection

This coverage ensures your credit is protected 24/7 with instant alerts and monitoring.

Travel Insurance

Progressive’s travel insurance covers you for trip cancellations, emergencies and interruptions.

Motorcycle Insurance

For as little as $75 per year, Progressive offers motorcycle insurance. The company is the top bike insurance company in the nation.

Recreational Vehicle Insurance

Whether you have an RV, Segway, boat, personal watercraft, ATV, snowmobile or golf cart, Progressive has a coverage option for you.

Pet Insurance

For pet owners, Progressive offers coverage to protect their dog or cat in the event of any medical needs.


Additional coverages Progressive offers include vision, wedding and event, dental, electronic device, and Mexico auto insurance.

Insurance Rates

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To evaluate Progressive’s quality as a renters insurance company, MoneyGeek analyzed Progressive’s website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.