If you’re looking for car insurance, Progressive is likely on your radar. As one of the largest auto insurers in the U.S., Progressive offers policies nationwide. But how does their coverage, cost, discounts and customer service stack up? This in-depth Progressive insurance review will cover everything you need to know to make an informed decision.
Overview of Progressive Insurance
Founded in 1937, Progressive insurance company is now the third largest auto insurer in the country. They provide coverage options for all types of drivers, plus other insurance like homeowners and renters.
Progressive sells policies through local independent agents and directly to consumers online and over the phone. Their name recognition and accessibility makes them an easy option to consider when shopping for insurance.
Below we’ll explore Progressive’s strengths and drawbacks based on expert analysis and customer feedback:
Pros:
- Available in all 50 states
- Online quotes and purchase option
- Usage-based Snapshot program for discounts
- Competitive rates for high-risk drivers
Cons:
- Rates can be higher than competitors’ for good drivers
- Mixed customer service reputation
- Snapshot monitoring can increase rates
Keep reading for more details on how Progressive car insurance performs in terms of cost, coverage, discounts and customer satisfaction.
Useful Information: What is Accident Forgiveness and How it Works?
Progressive Car Insurance Cost and Discounts
For most drivers, Progressive auto insurance rates are close to the national average. However, they tend to be more expensive than competitors like Geico and State Farm if you have a clean driving record. Here’s a look at estimated Progressive premium costs for sample driver profiles:
- For full coverage, expect to pay around $169 per month or $2,030 per year with Progressive. That’s only 1% higher than the national average of $2,008 per year.
- For minimum liability coverage, rates average $58 per month or $697 per year. This is 11% higher than the national baseline of $697.
- Teen driver rates are expensive, at $845 per month or $10,139 annually for full coverage. Among major insurers, only Farmers is more costly.
- Young adult drivers (age 25) pay an average of $187 per month or $2,243 per year for full coverage. That’s 4% above the national rate.
- Middle-aged adult drivers (age 35) pay around the national average, at $169 per month or $2,030 per year for full coverage.
- Senior drivers (age 60) find rates under the national baseline, at $131 per month or $1,566 per year for full coverage.
Your actual Progressive insurance quote will vary based on factors like your location, driving history and vehicle. Get a customized quote for more accurate pricing.
Discounts to Know
Progressive offers a variety of common auto insurance discounts to help lower your premium:
- Multi-policy discount for bundling home or other insurance with Progressive
- Multi-car discount (12% on average) for covering multiple vehicles
- Good student discount (10% on average) for full-time students with a B or better average
- Snapshot discount based on safe driving habits monitored through the Progressive app or plug-in device
- Online quote discount (7% on average) for getting a quote on Progressive.com
- Paperless discount for electronic documents
Ask your agent about all possible discounts when getting a Progressive insurance quote.
Progressive Auto Insurance Coverage Options
Progressive provides all the standard types of car insurance coverage along with some add-ons and special programs:
- Liability (bodily injury and property damage)
- Comprehensive (damage from theft, vandalism, weather, fire etc.)
- Collision
- Uninsured/Underinsured motorist
- Medical payments (MedPay)
- Personal injury protection (PIP)
Add-Ons:
- Roadside assistance
- Rental reimbursement
- Custom parts/equipment value
- Rideshare coverage
- Deductible savings bank
- Loan/lease payoff
The Snapshot program also lets drivers get a policy tailored to their driving habits through the Progressive app. Safe drivers can earn a discount.
Overall, Progressive provides extensive options for customizing your auto policy. Make sure to discuss your specific needs with an agent when getting a quote.
Progressive Insurance Reviews: What Customers Say
Progressive earns mixed reviews from auto insurance customers:
They score 3.9 out of 5 stars from Consumer Reports users based on customer satisfaction.
In J.D. Power claims satisfaction rankings, Progressive scored just below average compared to competitors.
Reviews on sites like Trustpilot cite confusing rate increases and poor claims experiences as downsides.
But many reviews praise Progressive for affordable pricing and helpful agents. Their strong financial rating is seen as a plus.
The consensus seems to be: Progressive is convenient and budget-friendly for high-risk drivers, but shop around for better customer service and claims handling.
How Does Progressive Compare to Other Providers?
How does Progressive auto insurance match up against competitors like Geico, State Farm and Allstate? Here’s an overview of how major insurers compare on cost, coverage and customer satisfaction:
Geico often beats Progressive on cost for good drivers, and scores higher in industry studies for customer service. But Progressive offers more add-on coverages than basic Geico policies.
State Farm has better customer ratings than Progressive across the board, including for pricing, claims satisfaction and agent experience. But State Farm isn’t as budget-friendly for high-risk drivers as Progressive.
Allstate is similarly priced to Progressive, with mixed customer satisfaction scores. Allstate does offer usage-based tracking similar to Progressive’s Snapshot program. Overall, the two are on par.
USAA is only available for military families but beats Progressive handily for affordable pricing in all driver categories. For non-military members, Progressive policies are more accessible.
To find the right match for you, get quotes from multiple insurers including Progressive. Compare coverage, cost and customer service side by side.
The Bottom Line on Progressive Insurance
As one of the largest auto insurance providers, Progressive offers familiarity and convenience. Their wide underwriting guidelines also make them accessible for most drivers.
But be sure to compare Progressive carefully against competitors on pricing, coverage and service. Their rates and customer satisfaction are average to below average relative to options like Geico and State Farm.
Drivers with accidents or violations on record may find Progressive provides affordable coverage when other insurers won’t. But if you have a clean history, you can likely do better on cost.
Ultimately, make sure you get quotes from several top insurers before choosing Progressive. Find the right balance of rate, service and policy features for your situation.
Frequently Asked Questions
How Much Is Progressive Insurance?
For a full coverage policy, Progressive costs approximately $169 per month or $2,030 per year on average. However, your rates will vary based on your age, vehicle, location and driving record among other factors.
Is Progressive Good for High-Risk Drivers?
Yes, Progressive offers competitive rates for drivers with accidents, DUIs and poor credit. They have specialized policies that provide coverage options for these higher risk situations.
What Discounts Does Progressive Offer?
Progressive offers standard auto insurance discounts for multi-policy, safe driver, good student, paperless documents and more. Ask an agent about discounts you may qualify for to save on a policy.
Does Progressive Have Accident Forgiveness?
No, Progressive does not offer accident forgiveness. After an at-fault accident, you can expect your Progressive car insurance rates to rise at renewal time. But they may still be lower than some other companies’ rates.
Can I Get a Progressive Quote Online?
Yes, you can get a fast online insurance quote from Progressive through their website 24/7. You can also purchase a policy completely online without needing to speak to an agent.
