Progressive auto insurance review: Variety of coverages
Progressive is one of the largest car insurance companies in the country, offering a wide variety of coverages and a number of discounts, but rates are a little higher than average.
By
Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Edited by
Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Progressive is one of the largest auto insurance companies in the country, offering coverage in all 50 states. It boasts strong financial ratings, a wide variety of coverage types and money-saving discounts, and a suite of digital apps and tools that customers can use to track and maintain their policy. There’s also the opportunity to earn lower rates for safe driving habits with Snapshot. However, that all comes at a higher-than-average price tag for some drivers.
Pros
Rewards safe drivers
Offers rideshare insurance and other less-common coverages
Variety of discounts and ways to save
Cons
Premiums are above industry average
Basic coverages offered
With Progressive you’ll get all the basic car insurance coverage options you need, including:
Liability coverage: Required in almost every state, liability insurance covers the cost if you hurt someone or damage their property in a car accident.
Personal injury protection: Also referred to as PIP or no-fault insurance, personal injury protection covers medical or other expenses, like lost wages, if you or your passengers are injured in an accident, no matter who was at fault.
Uninsured/underinsured motorist coverage: Also known as UM/UIM, uninsured/underinsured motorist coverage pays for your repair bills or medical expenses if you’re in an accident caused by a driver who doesn’t have car insurance, or whose insurance doesn’t cover the full extent of the damage.
Collision coverage: Covers damage to your own car after a car accident, regardless of who was at fault.
Comprehensive coverage: Covers damage to your car that wasn’t caused by a collision, including damage from extreme weather, hail, flood, fire, falling objects, vandalism and theft.
Additional coverages offered
Progressive also offers a variety of additional coverages to make sure all your auto insurance needs are met, including:
Roadside assistance: Also known as towing and labor coverage, this pays for towing if your car breaks down, plus lock-out services, flat-tire changes, and fuel or fluid delivery.
Loan/lease payoff: Also called gap insurance, this helps if your car is totaled in an accident while you’re still making payments on it. Loan/lease payoff will pay out the difference between what your car was worth before it was totaled and what you still owe on your loan or lease.
Rental car reimbursement: Rental car reimbursement pays up to a certain amount for a rental car if your car is in the shop after a covered accident.
Custom parts and equipment coverage: Custom parts insurance covers your car if you’ve made custom additions, like custom rims, sound systems, or exterior paint.
Rideshare coverage: This add-on covers you if you drive for rideshare services like Lyft and Uber. It covers the time when the app is on but you don’t have passengers.
Pet injury protection: Included with Progressive’s collision coverage, this covers veterinarian bills if your dog or cat is injured in a car accident, regardless of fault.
Deductible savings bank: You can subtract $50 from your comprehensive and collision deductible for every claims-free policy period if you add this to your coverage.
Ratings methodology
Price
3.9/5
When it comes to car insurance costs, Progressive is a little more expensive than the industry average. But the large number of available discounts may help offset the slightly higher-than-average rates.
Customer experience
4.1/5
Progressive scored 861 out of 1,000 on J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study, which is about average. But in J.D. Power’s 2022 U.S. Insurance Digital Experience Study, which looks at customer satisfaction with a company’s digital offerings, Progressive received a 725, one of the highest scores of any major insurance provider. And according to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report, Progressive also had a below-average number of customer complaints in 2021.
Coverage options
3.5/5
Progressive offers 17 different types of auto insurance coverage, giving it an excellent score when it comes to coverage options. Available coverage types include standard car insurance coverages, like liability, comprehensive, and collision coverage, as well as add-ons like roadside assistance and rental car reimbursement. Progressive even offers free coverage for vet bills if your pet is injured in a car accident.
Financial strength
4.1/5
Progressive has some of the best financial strength ratings in the industry, scoring an A+ with AM Best, A+ with S&P, and Aa2 with Moody’s. This means Progressive is in a good financial position to pay out its customers’ claims.
How much does Progressive auto insurance cost?
Progressive is slightly more expensive than its competitors, with an average annual premium of $1,780 a year for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident. This is about 8% higher than the national average premium of $1,638.
Coverage amount
Average annual rate for Progressive
Required state minimum
$737
Full coverage ($50,000/$100,000)
$1,780
Full coverage ($100,000/$300,000)
$1,967
You can work with an insurance expert to determine which discounts may be able to help lower your rates, and, as with all average rates, what you actually pay will vary from driver to driver.
What discounts does Progressive offer?
Like most big car insurance companies, Progressive offers a wide range of discounts. They’ll be applied automatically when you get a Progressive policy, but you can always speak to a company representative to make sure you’re getting the savings you deserve.
Progressive’s auto insurance discounts include:
Automatic payment discount: Get a discount for setting up automatic payments from a checking account, credit card, or debit card for your car insurance payments.
Continuous insurance (for when you switch carriers): Save when you switch to Progressive (the discount amount varies based on how long you were insured with your previous carrier).
Distant student discount: Receive a discount if you have a full-time student on your policy who is 22 years old or younger and lives more than 100 miles from your home (without a family car).
Good student discount: Get a discount if your household policy includes a student with a B average or better.
Homeowner discount: Save if you’re a homeowner, even if your home is not insured through Progressive.
Multi-car discount: Get a discount if you have more than one vehicle on your policy, as long as it's also kept at your address.
Multi-policy (bundling) discount: Bundle your auto insurance with a home, motorcycle, RV, or any other policy from Progressive and get a discount.
Online quote discount: If you get your quote online, you’ll save.
Online signup discount: Sign your documents online and get a discount.
Paperless discount: Choose to get your documents via email and receive a discount.
Pay-in-full discount: Pay for your annual policy in-full and up front instead of monthly and you’ll save money.
Safe driver discount: Progressive’s Snapshot program personalizes your rate based on your safe driving, which is tracked through the Snapshot mobile app. The safer your driving habits, the more you’ll save.
Teen driver discount: If you’ve been a Progressive customer for a year or more, and you add a teen driver (18 or under) to your policy, you could earn a discount.
Remember that all car insurance discounts will vary by state, your driving record, and other individual information.
Progressive auto insurance state availability
Progressive auto insurance is available in all 50 states and Washington D.C.
What to expect with Progressive auto insurance
How to get a quote: Progressive offers online quotes through the Progressive website or by phone at 1-866-407-4844, but customers can also get quotes for Progressive auto insurance through a marketplace like Policygenius.
Customer service options: Progressive customers can use the online customer service site or the Progressive mobile app to handle most customer service issues, like reviewing a policy and making a payment. For questions that need a human touch, Progressive customers can reach a representative by calling 1-800-776-4737.
How to file a claim: Progressive accepts claims online, through the mobile app, and over the phone. Customers will work with a claims representative and an adjuster (sometimes referred to as an estimator at Progressive) to get claims filed and processed as quickly and efficiently as possible.
How to cancel your policy: Progressive customers can cancel their car insurance policy over the phone, by mail, or via email. Progressive policies cannot be canceled online or through the company app.
Progressive offers competitive rates, but there are other companies that are cheaper overall. However, how much you pay for insurance depends on a number of factors, so just because one company offers lower overall rates doesn’t mean they will be the cheapest for you.
Is Progressive cheaper than GEICO?
Both companies offer competitive rates, but each company has their own system for determining how much to charge for car insurance. GEICO offers lower overall rates, but it is possible that Progressive may offer lower rates than GEICO for some drivers, so the best way to make sure you are getting the best rate is to compare quotes from multiple companies.
Does Progressive raise rates every 6 months?
Progressive offers six-month policies, which means your rate can change every six months. Your rates could go up at your renewal, but it is also possible your rates could go down, especially if an accident or a ticket ages off your driving record.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
