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Key Points:

  • Progressive offers lower rates than some competitors for drivers with accidents, speeding tickets, or DUIs on their records.
  • Snapshot, the company’s usage-based program, can help safe drivers earn significant discounts.
  • Progressive customer satisfaction reviews are mixed.

Progressive Insurance Review: Overall Rating


The Bottom Line

Progressive has an excellent usage-based program and low rates for high-risk drivers.

As our team of experts reviewed the industry’s best car insurance companies and cheapest car insurance companies, Progressive received solid marks in every category. We give the provider our Best Usage-Based Insurance award, and it offers affordable coverage for high-risk drivers. As you compare car insurance quotes to find the right company for your needs, we recommend putting Progressive on your list.

Progressive Car Insurance Review

Our team gives Progressive auto insurance an overall rating of 4.3 out of 5.0. This score is based on the company’s performance in the four key areas of cost, coverage, reliability, and service.

Progressive Insurance Ratings

Overall Rating4.3

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Is Progressive Insurance Good?

Progressive offers affordable rates and quality auto coverage in all 50 states. The company makes it easy for customers to manage all types of car insurance policies through its well-reviewed mobile app.

Snapshot, Progressive’s usage-based program, tracks driving habits and can help good drivers save on their premiums.

Pros And Cons Of Progressive Insurance

Available in: 50 states

Founded in: 1937

Coverage: Auto, homeowners, renters, life, health, and more

Pros Simple quotes process Wide variety of insurance products Excellent choice for high-risk drivers Well-reviewed mobile app
Cons Mixed customer satisfaction ratings Snapshot program can increase premiums for some drivers

Progressive Company Overview

According to the National Association of Insurance Commissioners (NAIC), Progressive is the second largest auto insurer in the United States. The company wrote nearly $39 billion in car insurance premiums in 2022 and holds just over 14 percent of the market share.

How Does Progressive Stand Out?

Progressive began catering to high-risk drivers in the 1950s and has become one of the top choices for people with speeding tickets, at-fault accidents, and other violations on their records.

The company was also one of the first auto insurers to invest in a website. This focus on technology has evolved to include the Snapshot telematics program and the Name Your Price tool, which allows customers to quickly receive custom quotes to fit their budgets.

Progressive Industry Reviews

Progressive has strong ratings from both the Better Business Bureau (BBB) and credit rating agency AM Best. The company has an A+ rating from the BBB and an A+ rating for financial strength from AM Best.

Progressive Insurance Customer Reviews

Progressive receives mixed reviews from customers online. On the BBB’s website, for example, customers give the company an average of only 1.1 out of 5.0 stars based on more than 900 reviews. Positive reviews typically focus on helpful customer service agents and a quick claims process.

Some negative reviews reflect frustrations with Progressive’s preferred repair facilities.

Progressive Insurance Reviews: J.D. Power

Progressive received 853 out of 1,000 points in the J.D. Power 2023 U.S. Insurance Shopping Study℠, which weighed customers’ satisfaction with the auto coverage shopping experience. The industry average for large insurers was 861. Progressive was rated slightly higher in the 2022 study, when it earned 859 points compared to the industry average of 863.

In the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠, Progressive earned 861 out of 1,000 points. The average score among insurers was 873. This study considered responses from 8,239 customers who had settled auto insurance claims within the previous six months.

Progressive Customer Satisfaction Survey

In August 2022, our team conducted a car insurance satisfaction survey that polled nearly 7,000 people. Progressive policyholders were well represented, making up about 17 percent of respondents.

The company’s 4.1-out-of-5.0 rating for overall customer satisfaction was just below average. Here’s a deeper look at how Progressive performed in our car insurance survey:

Survey CategoryProgressive RatingIndustry Average Rating
Overall satisfaction4.14.2
Coverage selection3.93.9
Customer service from agents44
Claims service4.14.2

*Each rating is out of 5.0 points.

Progressive Auto Insurance Claims Reviews

In our survey, 31 percent of Progressive policyholders had filed a claim. Respondents gave the company 4.0 for their satisfaction with the claim outcome or settlement and 4.1 for customer service during the claims process. Both scores were 0.1 points below the industry average.

Progressive Car Insurance Coverage

Like other major auto insurance companies, Progressive offers the following standard types of coverage:

Type of CoverageDescription
LiabilityBodily injury (BI) liability insurance pays the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance covers the damages to other drivers’ vehicles after an accident where you’re at fault.
CollisionCollision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard.
ComprehensiveComprehensive Coverage pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism.
Medical payments coverage (MedPay)MedPay covers medical bills for you and your passengers after an accident.
Personal injury protection (PIP)PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages.
Underinsured/uninsured motorist coverage (UM/UIM)Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance.

Other Progressive Coverage Options

Progressive offers several add-on insurance options, including the following:

  • Loan/lease payoff: This covers the difference between your car’s value and what you owe on it in the event of a total loss. The maximum coverage is 25 percent of your car’s value.
  • Rental car reimbursement: This pays for rental car expenses when your vehicle is in the shop for covered repairs.
  • Rideshare insurance: This is for drivers who use their vehicles for services such as Uber and Lyft.
  • Roadside assistance: Towing, flat tire changes, and fluid delivery are among the services included here.

Progressive Car Insurance Cost

Progressive’s average costs are competitive across the board. According to our research, full-coverage car insurance from Progressive costs $1,611 per year or $134 per month on average. These figures are about 7 percent below the national averages of $1,730 per year or $144 per month.

Car Insurance CompanyAverage Full-Coverage Cost Per MonthAverage Full-Coverage Cost Per YearAverage Minimum-Coverage Cost Per MonthAverage Minimum-Coverage Cost Per Year
Erie Insurance$103$1,238$38$459
Country Financial$108$1,295$39$467
Auto-Owners Insurance$111$1,337$29$349
State Farm$123$1,481$45$543
American Family Insurance$128$1,537$57$685

*These rates are based on the profile of a 35-year-old married driver with good credit and a clean driving record.

Progressive Car Insurance Rates By Age

Age has a significant impact on car insurance rates. For drivers 21 or younger, Progressive auto coverage tends to be more expensive than the national averages for those age groups.

AgeProgressive Average Car Insurance Cost Per MonthProgressive Average Car Insurance Cost Per YearNational Average Car Insurance Cost Per MonthNational Average Car Insurance Cost Per Year

Progressive Car Insurance Rates By Driving Profile

Speeding tickets, at-fault accidents, and DUI violations have dramatic effects on auto insurance rates. As you can see below, Progressive offers average or near-average rates for various types of high-risk drivers.

Traffic IncidentProgressive Average Car Insurance Cost Per MonthProgressive Average Car Insurance Cost Per YearNational Average Car Insurance Cost Per MonthNational Average Car Insurance Cost Per Year
Speeding ticket (16–20 mph over limit)$193$2,311$193$2,313
Recent accident$235$2,822$224$2,689
DUI conviction$194$2,328$273$3,277

*Rates apply to the profile of a 35-year-old male driver.

Progressive Car Insurance Discounts

Progressive offers the following discounts to help customers save on their car insurance premiums:

Progressive DiscountDetails
Multi-policy discountBundling two or more policies with Progressive gets you a discount of 5 percent on average.
Multi-car discountHaving more than one vehicle on a Progressive auto insurance policy can earn an average discount of 12 percent.
Continuous insurance discountIf you’ve been continuously insured, even with another provider, Progressive will give you a discount.
Teen driver discountYou can get a discount for adding a teenage driver to your policy if you’ve been insured for at least a year.
Good student discountHaving a full-time student with at least a B average can unlock a 10 percent discount.
Distant student discountIf you have a student who’s 22 or younger and lives more than 100 miles from home, you can save on your premium.
Homeowner discountThere’s an average discount of nearly 10 percent for homeowners.
Online quote discountYou can get an average of 7 percent off your rate by getting a Progressive car insurance quote online.
Sign online discountSigning documents online can earn a discount that averages 9 percent.
Paperless discountOpting to receive insurance documents via email can save you money.
Pay-in-full discountPaying your entire policy premium up front is another way to save money.
Automatic payments discountYou can save on your premium by setting up automatic payments from a debit card, credit card, or checking account.

Progressive Snapshot

With the Snapshot program, Progressive gives drivers the chance to save money by having safe habits behind the wheel. One downside is that risky driving behaviors can lead to higher rates, which isn’t the case with competing usage-based programs such as State Farm’s Drive Safe & Save™.

Here are additional details on the Snapshot program:

Program Factor



According to Progressive’s website, drivers who complete the program save an average of $156 on their premiums when they renew their policies. There’s also a sign-up discount for new Progressive customers in most states where Snapshot is available (Hawaii and New York are the exceptions).


Mobile app and plug-in device

What it tracks

  • The time of day you drive
  • How much you drive
  • Rapid acceleration
  • Hard braking
  • Mobile phone usage (for drivers using the app)
  • Your location (for underwriting purposes)

Can premiums go up?



Not available in California

Factors That Affect Car Insurance Rates

A range of factors determine a driver’s car insurance rates, including their location, age, and marital status in most states.

  • Age: Teen drivers pay especially high car insurance rates.
  • Marital status: Married drivers pay less for auto coverage than single drivers.
  • Gender on driver’s license: People who identify as male generally pay more for car insurance.
  • Location: If you live in a densely populated area, you’ll pay more for coverage because there tend to be more accidents and claims.
  • Vehicle information: Newer vehicles with modern features usually cost more to insure than older cars.
  • Credit history: In most states, your credit score impacts how much you pay for car insurance.
  • Driving record: Having a DUI, speeding ticket, or at-fault accident on your record leads to higher car insurance premiums.

Progressive Home Insurance

According to our research, Progressive offers consistently affordable home insurance rates. We reached out to the company for estimates on insuring single-family homes in various parts of the country. These estimates should give you an idea of how much Progressive homeowners insurance can cost, but keep in mind that your price will depend on many factors.

LocationHome Square FootageEstimated Monthly CostEstimated Annual Cost
McKinleyville, Calif.1,344$69$829
Charlotte, N.C.1,595$76$914
Marlton, N.J.1,706$82$979
Mechanicsburg, Pa.2,144$57$688
Schertz, Texas2,346$143$1,716
Richmond, Va.2,112$80$954

Progressive Life Insurance

Progressive offers life insurance through the third-party company eFinancial. Coverage options include:

  • Term life insurance
  • Final expense insurance
  • Short-term life insurance
  • Whole life insurance

You can purchase life insurance at several term options with eFinancial, ranging from one year to a permanent policy.

Progressive Insurance Reviews: Conclusion

Progressive offers high-quality car insurance at affordable rates. The insurer is an especially attractive option for drivers with recent accidents or traffic violations. Progressive has an array of discounts, too, including the Snapshot program that can unlock savings at sign-up and when you renew your policy.

Other Recommended Car Insurance Companies

It’s always a good idea to compare car insurance quotes from multiple providers before making a decision. Along with Progressive, we recommend that you consider State Farm and Geico.

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State Farm: Best Overall Provider

State Farm is the largest auto insurer in the U.S. and our pick for Best Overall Provider. Along with standard car insurance types, the company offers roadside assistance, rental car reimbursement, and a highly rated telematics program called Drive Safe & Save that can earn drivers a discount of up to 30 percent.

Geico: Best for Discounts

The NAIC reports that Geico wrote more than $38 billion in premiums in 2022, making it the third largest auto insurer in the country. We like that the company offers many discounts, several of which can save drivers 15 to 25 percent off their premiums.

Geico sets itself apart from the competition by offering mechanical breakdown insurance, or MBI. This coverage functions much like an extended warranty, protecting vital parts of your vehicle from breakdowns.

Compare providers: Geico vs. Progressive

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Progressive Insurance Reviews: FAQ

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.


*Data accurate at time of publication.