Progressive Auto Insurance Reviews

Who It’s Best For / Not For

Who Progressive Is Best For:

• Drivers who can take advantage of multiple ways to reduce their premium

• Customers who prefer quoting, buying, and managing their auto coverage online

• Safe drivers willing to use a telematics program to potentially lower their rates

• Drivers seeking optional coverage such as rideshare, loan/lease payoff, rental reimbursement, and custom parts coverage

Who Should Consider Other Options

• Customers who place a high priority on claims satisfaction

• Drivers uncomfortable sharing driving data through a usage-based insurance program

• Customers whose Progressive quote isn't competitive after discounts

• Drivers who prefer a traditional agent-customer relationship

Key Facts

Progressive Auto Insurance Reviews: Editorial Rating

Trusted Company Reviews Rating Score for Progressive: 8.4

Progressive earns an 8.4 review score using our strict review and rating criteria. Its strongest scores come from accessibility and ease of use, available discounts, and its coverage selection. Customer satisfaction and claims experience are the primary factors holding its overall score down.

The weighted scores produce an overall Progressive Insurance rating of 8.4 out of a possible 10.

What Makes Progressive Different?

Progressive offers a user-friendly combination of pricing tools, discounts, and multiple ways to buy insurance. Customers can get a quote and purchase coverage online, by phone, through the Progressive app, or through independent agents. The company has long been a pioneer in providing insurance features and options that are a bit removed from the mainstream. 

Progressive Snapshot: Information

Progressive's Snapshot program uses either the mobile app or a plug-in device to monitor driving habits, then evaluates individual driving behavior to personalize insurance rates. 

Where it's available, new customers generally receive a participation discount when signing up for the program, followed by a personalized rate after Progressive collects enough driving data. The program uses either the mobile app or a plug-in device to monitor driving habits. 

Snapshot is unavailable in California. In Hawaii and New York, the program is available, but the initial discount doesn't apply. Specific rules can vary in other states as well. 

• Potential savings: Progressive says drivers who earn a Snapshot discount save an average of $328 per year.

• Sign-up savings: New customers receive an average initial participation discount of $164, in states where the initial discount applies. 

• What it monitors: Progressive's tools monitor mileage, time of day, hard braking, rapid acceleration, and, in some states, mobile-phone use.

• Rates can increase: Progressive says roughly 2 in 10 participating drivers receive a rate increase, rather than an additional discount, based on their driving behavior.

Progressive Name Your Price: Information

Progressive's Name Your Price tool approaches car insurance shopping a bit differently. Instead of receiving a traditional premium quote, customers enter what they'd like to spend, and Progressive displays available coverage combinations around that budget. It doesn't let customers arbitrarily set their insurance premium, and reducing the price can mean accepting less coverage.

Features and Benefits

Progressive's strongest feature is that it combines multiple coverage options with multiple ways to potentially save money on premiums. Customers can purchase state-required coverage and add physical-damage and optional protections based on their vehicle and needs.

• Multiple coverage options include: Liability, comprehensive, collision, uninsured/underinsured motorist, medical payments or personal injury protection where applicable, roadside assistance, rental reimbursement, loan/lease payoff, rideshare coverage, and custom parts and equipment coverage.

• Loan/lease payoff: Helps cover the difference between what you still owe on a financed or leased vehicle and its value if it's totaled, subject to a coverage limit of up to 25% of the vehicle's actual cash value.

• Pet injury coverage: Progressive automatically includes up to $1,000 in pet injury coverage when you choose to add collision coverage. 

• Deductible Savings Bank: An optional feature reduces comprehensive or collision deductibles by $50 for every claim- and violation-free six-month policy period.

• Accident forgiveness: Progressive offers several forms of accident forgiveness, with eligibility depending on the claim, customer history, state, and policy.

Progressive also offers several discount options, and the company states that 99% of its customers receive at least one discount. Potential discounts vary by eligibility and state, and include multi-policy, multi-car, safe-driver, accident-free, claim-free, good-student, teen-driver, homeowner, online-quote, online-signature, paperless, automatic-payment, and paid-in-full savings. 

Pricing & Value

Current rate studies we reviewed generally put Progressive's full-coverage premiums average between $1,500 and $2,300 per year, or approximately $125 to $190 per month, for sample drivers with clean records. However, published averages depend heavily on driver profile and methodology, and actual premiums can vary significantly by location, age, vehicle, driving record, coverage choices, deductibles, and credit-based insurance information where permitted.

Bundling home and auto policies through Progressive provides another potential source of savings. The company says new customers who bundle can save more than 25% on average. However, actual savings vary widely between individuals. Multi-policy discounts can also apply when combining auto with renters, condo, motorcycle, RV, boat, and other qualifying insurance.

Is Progressive Worth the Price?

Progressive can be worth the price for drivers who can take advantage of at least a few of its multiple discounts. However, the company's weak customer and claims satisfaction results in our evaluation suggest that there could be a definite drawback to choosing an insurer based on price alone. 

Progressive Auto Insurance Reviews: Customer Reviews

Progressive's online customer reviews are significantly weaker than its scores for pricing, financial strength, and accessibility. As of our review, Trustpilot reviewers give Progressive just 1.2 stars based on nearly 2,000 reviews, with 92% of reviewers awarding one star. 

Better Business Bureau review results show similar results, with a rating of just 1.1 out of 5 from more than 1,900 customer reviews. Progressive isn't BBB accredited and earns a B- grade at the Bureau, suggesting it's moderately efficient at handling customer complaints on the platform. 

Common Complaints

Customer complaints and recent online reviews commonly focus on:

• Premium increases and renewal pricing

• Claims handling, settlement amounts, and communication

• Billing, cancellation, and refund issues

• Difficulty resolving customer-service problems

Progressive Alternatives

Progressive offers an attractive combination of pricing, discounts, coverage, and online or mobile-app convenience. However, drivers who prioritize claims satisfaction should compare several alternatives, including companies in our overview of the best auto insurance providers.

• Travelers combines competitive pricing with broad coverage choices and optional protections that provide substantial flexibility when building an auto policy.

• State Farm combines a large agent network with digital policy-management tools, offering both in-person assistance and online account access.

• GEICO emphasizes competitive pricing and online convenience when getting quotes, managing policies, making payments, and handling claims.

• Nationwide offers excellent coverage options and multiple policyholder benefits, including usage-based and pay-per-mile insurance options.

• Amica combines strong customer and claims satisfaction with broad coverage options and an unusual dividend-policy option that may return part of the premium to eligible policyholders. 

• Farmers offers extensive coverage options, personalized service through local agents, and attractive home and auto bundling discounts that can help offset its higher standalone auto insurance premiums. 

Progressive Information and Data

Should You Choose Progressive?

Progressive makes the most sense for drivers who want competitive pricing, meaningful and multiple discounts, and strong online and digital shopping and policy-management options.

• Consider Progressive if: You want multiple ways to save, value online convenience, or could benefit from the Snapshot program or the company's optional coverages.

• Probably not if: Claims and customer satisfaction are more important to you than just getting the lowest price.