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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
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Customer Comments

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Lynne C
10/21/2018
I was hit from behind in the highway by an uninsured motorist and was injured. Speaking to a rep after filing a claim she told me my “rates would go up unless I DROP the claim”. I pay for insurance but get penalized for using it due to no fault of my own!!
69 People found this helpful.
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Rick B
12/3/2018
I have been a progressive customer for several years and have maintained a Liability coverage only on a12 year old jeep liberty. I own my home, have an 800+ credit rating, drive 25+ miles daily round trip to work and my last accident was seven years ago where another driver slammed my car from behind into the car in front of me and no speeding tickets in the last 5 years. My problem is that the guy who hit me and totaled my Jeep was also a Progressive Insurance customer. Over the past month settlement has been slow and they are cheap even given it is there responsibility and still hasn't been settled. I purchased a 2016 Highlander XLE with 21,000 miles which had a previously repaired... Read More
55 People found this helpful.
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Antwaine P
1/8/2018
This has to be the biggest joke ever written. There is no way Progressive Insurance has anything positive written by anyone who has had them. The ONLY strong customer service point is that they will insure you when others will not.
40 People found this helpful.
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RICK D
1/8/2019
I HAVE HAD PROGRESSIVE FOR OVER 8 YEARS, NEVER HAD AN ACCIDENT. ONE FENDER BENDER IN 2017, AND THEN THIS YEAR SOMEONE DRIVING WRECKED MY PARKED CAR, WHICH HAD THE SAME INSURANCE WITH FULL COVERAGE. DATE OF LOSS AUG 2018, ITS JANUARY 8TH 2019, AMD WE ARE STILL WAITING FOR OUR CLAIM. POOR CUSTOMER SERVICE, BUT I GUESS YOU GET WHAT YOU PAY FOR.
34 People found this helpful.
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Lou
7/29/2018
I recently had a small claim I had a little issue with, Jamie a Customer Rep. Was so great walking me through the process of solving the issue with the shop that repaired my car and getting the issue solved. She gets 10 stars on my behalf, her Customer Service professionalism is an asset to Progressive. Thank you!!
27 People found this helpful.
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H
hana
12/30/2017
Its suck ! we have been with them for years , every 3 month have to call them to get my insurance card number !
24 People found this helpful.
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Johnette S
2/14/2018
We love Progressive! They have always given us prompt, courteous service. They return calls when they say they will. Our auto body shop said they really like working with Progressive. They arranged our rental car very efficiently as well as working with the auto body shop. They are also great about checking on us after the repairs. We will keep our car, truck, and motorhome with Progressive.
23 People found this helpful.
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Tim D
12/18/2017
The biggest Improvement you can make would be allowing your customers to talk to the same customer service agent each time they call.
23 People found this helpful.
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Kim F
9/18/2019
In December, 2018, I paid a premium for six months of automobile coverage with Progressive. Subsequently, I was notified that my premium was being raised about $400 per year due to being rear-ended while driving a public transit bus at work, under no liability to Progressive. After contacting Progressive and being notified that this error in under-writing was not going to be corrected, I told Progressive that I was no longer their customer and sought alternative insurance with GEICO. The GEICO policy began covering me January 1, 2019. In January, I became permanently disabled from my public transit work and, in February, sold my vehicle that had previously been insured by Progressive. From... Read More
20 People found this helpful.
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E
Elsie K
3/26/2019
Why has my insurance gone up over $300. In the last six months? No accidents, no tickets. That is ridiculous
20 People found this helpful.
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