Progressive is the second-largest auto insurer in the United States, and the company collected more than $51 billion in premiums in 2022.
Customers may be drawn to Progressive because it makes shopping for coverage easy, offers in-person support from more than 38,000 agents, and has rates on par with its competitors. But imperfect customer service ratings are worth paying attention to before you apply for coverage.1
Keep reading to learn more about Progressive’s pros, cons, and coverage options so you can decide whether this insurer will meet your auto insurance needs. Even if you’re set on Progressive, comparing multiple insurers is the best way to find the cheapest coverage.
How Progressive compares to other insurance companies
Progressive’s average rates and customer service ratings are on par with its competitors, Allstate, GEICO, Liberty Mutual, and State Farm. The insurer isn’t among the cheapest car insurance companies, but it doesn’t charge the highest rates either.
While its customer reviews are better in some markets than others, the insurer generally comes in just below average in terms of customer satisfaction in J.D. Power studies.1 Progressive does have a fairly positive National Association of Insurance Commissioners (NAIC) complaint index score of 0.89, which signals a lower-than-average number of complaints for a company of its size.2
The table below offers more insight into how Progressive stacks up.
How Progressive rates compare to competitors
Progressive offers liability coverage for an average of $102 per month and full coverage for $173 per month.
Progressive’s rates are similar to other large insurers. But the company’s unique Name Your Price tool allows for more customization and flexibility on premiums.
The table below shows full-coverage rates from Progressive and other popular insurers.
Average cost of Progressive auto insurance
No matter the insurer, drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers to be more likely to file a claim and charge higher rates to make up for the possible financial loss.
Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and they have less experience behind the wheel. Senior drivers pay the lowest rates because they have the most experience.
The table below illustrates how Progressive’s monthly liability rates compare to the national average liability rates for various driver profiles.
Progressive car insurance cost by state
Every state sets insurance minimums, which vary in coverage types and limits. Each state has a diverse population, and accident risks differ from location to location. As a result, insurance premiums often differ by geographic area, even among the biggest insurance companies.
The table below shows average Progressive car insurance rates nationwide, as the insurer offers coverage in all 50 states. Prices shown are monthly average rates for liability auto policies in most states.
Progressive car insurance discounts
Insurance discounts reduce costs and allow drivers to get lower rates and save on coverage. Comparing discounts is as important as comparing rates. An insurer that offers more discounts may end up providing lower premiums overall than one that charges a lower base rate but offers fewer opportunities to save.
Progressive offers many great discounts and is very transparent about how much drivers can save with each option. The table below shows the company’s discounts and the amount most drivers can save.
How customers feel about Progressive
In J.D. Power’s 2023 U.S. Auto Insurance Study, Progressive was below the industry average in every region, receiving strong ratings on only usage-based insurance.1
Progressive’s Trustpilot rating is 1.8 of 5 stars, and the insurer has an A rating from the Better Business Bureau but 1.07 out of 5 stars.45
Customers often cite difficulty with claims and a lack of communication from the insurer.
Progressive ratings
Progressive’s overall ratings from various organizations show a company with solid financial strength but imperfect customer service.
Its A+ AM Best Rating — assigned by a leading credit-rating agency operating within the insurance industry — demonstrates Progressive’s financial stability.6 But customer service issues are revealed when reviewing ratings from J.D. Power, a consumer intelligence company.1
Progressive has a decent score from the NAIC, which indicates a lower number of complaints than the average.2
Progressive car insurance coverage options
Every state sets minimum auto insurance requirements, which typically include bodily injury and property damage liability insurance. Some states also require other coverages, including personal injury protection (PIP) and uninsured/underinsured motorist coverage.
Like most auto insurance companies, Progressive offers policies that meet state minimums and full-coverage policies. The insurer also offers add-on coverage options that not all auto insurers offer. These include a deductible savings bank, coverage for pet injuries, and multiple accident forgiveness programs.
Here are Progressive’s coverage options:
Other options for Progressive customers
Progressive offers many additional coverages beyond auto insurance. This list shows other insurance products Progressive provides, often at competitive rates.
Boat insurance: Boat insurance provides coverage against sinking, fire, theft, storms, collision, capsizing, explosion, and stranding.
Condo insurance: Condo insurance covers owners against liability and damage to the unit or property inside.
Homeowners insurance: Homeowners policies cover the dwelling, other structures, personal property inside the home, and homeowner liability.
Life insurance: Life insurance provides a death benefit for surviving beneficiaries if someone passes away during the coverage term.
Motorcycle insurance: Motorcycle insurance pays for bodily injury, damage to a motorcycle, attached sidecars, emergency roadside expenses, damage to protective gear, and trip interruption expenses.
RV/trailer insurance: RVs, campers, and travel trailers are covered, and you can also choose to add a personal articles policy to cover items inside your motor home.
Off-road vehicle insurance: Golf carts, ATVs, and other off-road vehicles are covered.
Renters insurance: Renters insurance offers liability coverage and damage coverage for personal property inside a rental home.
How Progressive Snapshot works
Progressive customers may opt into Snapshot to earn discounts for safe driving. You can sign up when you buy your policy or by calling Progressive.
Snapshot is a usage-based insurance program. You’ll install an app or a plug-in device Progressive uses to monitor driving behaviors. Factors Progressive considers include:
Time of day you drive
How often you drive
Sudden speed changes, such as rapid accelerations or hard braking
How you use your mobile phone while driving
Motorists who exhibit safe behaviors will qualify for the best rates and often see premiums decrease. Riskier drivers may see their car insurance premiums increase at renewal.