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Progressive Car Insurance Review

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Progressive is one of the largest corporations of its kind in the United States.

Founded in 1937 and headquartered in Ohio, Progressive offers insurance for private and commercial vehicles and vessels including cars, motorcycles, RVs, boats, snowmobiles and more.

The company is accredited by a number of third-party financial rating institutions, several of which have granted the company A ratings for their solid financial standing and longevity.
 
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How is Progressive rated?

Breakdown

5.0/5
Coverage
4.8/5
Financial Strength
0.0/5
Supplemental Coverage
4.8/5
Pricing & Discounts
5.0/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.7 / 5 (Excellent)

As an innovator in the car insurance industry and one of the largest insurers in the country, Progressive remains the go-to option for drivers across the nation.

With a host of comprehensive coverages and prices for every budget, the company goes above and beyond to ensure the safety and satisfaction of their clients (and even their clients’ pets).

Although not without their share of mixed reviews, Progressive's technological integrations and usage-based insurance plans keep them one step ahead of the competition.

The company’s “Name Your Price” tool, their Snapshot program, and their pet injury protection options make them an excellent choice for those looking for customized coverages and competitive pricing.

Anyone looking to secure lower rates, better discounts, and coverages tailored to their needs will find Progressive to be one of the best options in the market today.

Progressive Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Vet Bills

Coverage - 5 / 5

As a leader in the auto insurance industry, Progressive offers some of the most comprehensive coverages in the market, including basic and additional plans, as well as loan payoff option or gap insurance for drivers whose cars have been declared a total loss.

The company was also the first auto insurer to introduce pet injury coverage for cats and dogs.

$50 from your collision and comprehensive deductible for every claim-free policy period.

Auto policy periods last six months.

In many respects, Progressive has a leg up on the competition, particularly with regards to usage-based insurance options or pay-as-you-drive insurance.

The company’s Snapshot program is among the first of its kind and allows drivers to obtain excellent discounts based on their actual driving habits.

Customers merely have to download an app and drive, the company will then evaluate the users’ driving habits for the first policy period of approximately six months and offer discounts based on the data collected.

Another excellent feature customers are sure to enjoy from this insurer is the “Name Your Price Tool” which offers prospective clients different rates and coverage options based on the price they can afford to pay or expect to pay.

To use this feature, users simply have to request a quote, either online or by phone and provide some basic information regarding their vehicle and driving habits.

Among the companies additional coverages and benefits are Progressive’s roadside assistance program, a loan or lease payoff option, a rental reimbursement coverage, a custom parts and equipment coverage, rideshare coverage (for Uber and Lyft drivers), and its deductible savings bank feature, which allows policyholders to save $50 on collision and comprehensive coverages for every policy period they remain claim free.

Coverage Fine Print

Loan/Lease Payoff or Gap Insurance - Protects drivers whose cars have been declared a total loss by paying up to 25% over the actual cash value towards the amount owed to the lender. Mobile App Driver Monitoring Devices

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.11
NAIC Total Complaints 2020
130

Customer Ratings

Trust Pilot Rating
4.7 out of 10
BBB Rating
A+
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
5
Number of BBB Negative Reviews
153
Date Collected
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 1.11) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 5 / 5

Although Progressive has yet to be accredited by the Better Business Bureau, they hold an A+ rating with the organization.

As of the date of this review, Progressive Corporation holds one out of five stars in the BBB’s customer reviews section.

There have also been little over two thousand complaints filed against the business, with most relating to problems with the company’s products and services.

According to the NAIC, Progressive has a casualty insurance complaint ratio of 1.11, only slightly higher than the median score for private passenger insurance in 2016.

For a lender of its size and market share, these statistics are quite commonplace.

Despite minor negative feedback, Progressive Corporation remains among the most solid alternatives in the current auto insurance market, mostly due to its size, industry experience, and solid financial strength and stability.

Financial Strength

Key Details

Underwriter
Progressive Group
Premiums Written 2020
$19,634,833,711
Marketshare
9.17%
AM Best Financial Rating
a
Moody's Financial Rating
A2
Standard & Poor's Financial Rating
A

Financial Strength - 4.8 / 5

Progressive maintains high ratings with credit rating agencies such as Moody's, Standard & Poors, and A.M. Best, evidencing the company's long-term issuer credit stability and ability to repay its debts.

As one of the largest auto insurance providers in the nation, Progressive Corporation covers over 13 million policyholders across three insurance segments and ranks fourth by market share in private passenger auto insurance, according to the National Association of Insurance Commissioners.
*The above information reflects the financial strength of the underwriter of the Progressive car insurance policies: Progressive Group.

Pricing & Discounts

Per Mile Pricing Available?

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 4.8 / 5

Progressive extends a comprehensive array of discounts for safe drivers, homeowners, and students.

Safe drivers, good students, those who pay in full, sing up for automatic payments, and purchase multiple policies from the company are sure to enjoy excellent savings opportunities from progressive.

One discount that could be particularly attractive to a large consumer segment is the teen driver discount.

While other companies charge more for adding a teenager to a policy, Progressive offers competitive pricing and even a good student discount to make the deal all sweeter.

As a technologically-forward company, Progressive markets some unique discounts for individuals who request quotes and sign their documents online or sign up for their Snapshot program, which bases insurance rates on actual driving via a mobile app or plug-in device.

As of 2009, the company has been offering a "Name Your Price" option, which helps customers choose a car insurance option based on their needs and budgets.

For more options, make sure to check out our 10 Best Car Insurance Companies of 2019.

Discounts Fine Print

Start your quote online (7% average discount) Sign your documents online (7% average discount) Minor child driver (discount varies)

Contact & Additional Information

Homepage URL
https://www.progressive.com
Company Phone
(800) 776-4737
Headquarters Address
The Progressive Corporation 6300 Wilson Mills Rd., Mayfield Village, OH, 44143
Year Founded
1937
What We’re Hearing From Our Readers
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Customer Comments

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Terri I
2/6/2018
I have to agree with the last comment. I heard that Progressive was listed for a best rate, and I completely disagree and felt that I needed to speak up. Please think twice before changing, because it turned out to be a huge inconvenience for me. I purchased from this company last year, added Roadside Assistance (I paid extra for this service), used this two times, once for myself when my control arm snapped and another for my daughter’s battery, which was dead (it was winter), so she called for help. I have a credit score over 800 and no accidents for 30 years and they cancelled me. The reason: I used my roadside assistance too many times and neiter was an emergency. I only had... Read More
424 People found this helpful.
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Gerald D
8/20/2018
The quality of Progressive’s services, including claims handling, is notable. However, when you have an unavoidable accident, they make no effort to investigate the circumstances and cancel your coverage immediately. Thus, my one-star rating is even higher than they deserve. I could NEVER recommend this company!
356 People found this helpful.
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S. C
8/26/2018
Was involved in a MVA where the other driver blew thru a stop sign and struck my vehicle. Other vehicle was insured with Progressive. It’s been two weeks & I ‘m still not hearing much from them. However they did try their intimidation by letting me know just because I was driving on a state highway and was not at fault, they didn’t have to pay 100% damage. This is not the level of attention I received with a previous Progressive experience
287 People found this helpful.
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Angel B
3/11/2018
This company does not take care if they client. After filing a claim, it took almost a month for them to make a decision as to whether i would be covered or not. They never answered the phone, assigned me a claim rep who wouldn't and couldn't answer questions I had so they simply dodged the phone calls. They canceled my policy without telling me and notified me days later while I'm out of town thinking I was covered. They went ahead and looked at my vehicle, after telling me they had to investigate and were not going to pay the wrecker service for picking up the vehicle only I guess to find out that it cost more than they were willing to pay so they then tell me they suspect fraud... Read More
247 People found this helpful.
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J
James
8/21/2018
It is the worst auto insurance I know. The claim agency has no any ethics, liar, missing appointment, and so on.
212 People found this helpful.
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Brea G
9/7/2018
I have been a customer through Progressive for over a year. When I bought a new car, I wanted to switch providers to see if I could get a better rate. When I called to cancel me, they transferred me to their retention department and they would not simply let me cancel my policy. I gave up since it seemed to be such a hassle to switch providers. Well, today my tire goes flat and I did not realize that this was not on my policy. I call in and they tell me I will have to pay $80 to have someone tow my car just a couple of miles. I am not sure why it takes them 5 days to add this assistance to my policy. They were unable to make any exceptions on reimbursement on the this charge.... Read More
203 People found this helpful.
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Thomas K
10/18/2018
I switched from Allstate to Progressive because the cost was several hundred dollars less than I was spending. Everything was done on the telephone, including paymetn of the premium through my credit card. After the policy was to take effect, Progressive sent me an Insurance Application to sign. Two aspects of the quoted coverage were missing from the application. I have e-mails with the quote for the full coverage I requested. The agent told me that he could add the additional coverage for an additional cost. I would not sign the application. I am now shopping for another insurance carrier. I feel that I was the victim of bait and switch. I have rached out to the company... Read More
197 People found this helpful.
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V
Vitra
12/27/2017
YOu have got to be kidding me. Progressive is the worst insurance company that I've even been a customer of. The try to cheat you in everyway they can. Increase premium for no reasons, deny claims for any reasons and worst customer service in the insurance market.
196 People found this helpful.
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Tom W
9/14/2018
Progressive is seemingly less than others but oh boy when you have a claim they will try to skip out on you.
174 People found this helpful.
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M
mekamu
7/8/2018
My policy was canceled for no reason. I finished by phone which was good but after I finished by phone then I got a different deal up and down by different customer representatives. The date I called was Sunday just to covered Monday morning. My agent told me the average full coverage price was $150.00 but I finished $240.00. so whats wrong with this insurance company?
148 People found this helpful.
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