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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.

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
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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nancyferreras86
7/18/2024
This has been the worst insurance experience ever. A Progressive client hit my vehicle while driving in incoming traffic. Despite providing pictures and the police report showing their client's fault, Rep Megan Porter continues to string me along, insisting the client must admit guilt before proceeding. It feels like they're avoiding responsibility to repair my vehicle. No one from Progressive has reached out to me to resolve this matter. Megan promises to call me back but never follows through. This insurance service is utterly disappointing and unreliable.
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erikanelson1983
6/13/2024
My car was hit by a driver carrying progressive insurance and was deem a total loss. The other driver quickly accepted liability (thanks to Tesla live video evidence). The total loss offer was significantly less than the current actual cash value of my vehicle and the total loss valuation report continues 'tons' of inaccurate information. Hence I send the appraiser the email below; 'Hi Kristian, I don't believe I was given a fair offer for my total loss vehicle. My vehicle is a Tesla model Y base plus full self-driving capability, autopilot, black and white premium interior, midnight silver metallic (PMNG), 20 " induction wheels, long range all wheel drive and seven seater... Read More
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erikanelson1983
6/13/2024
My car was hit by a driver carrying progressive insurance and was deem a total loss. The other driver quickly accepted liability (thanks to Tesla live video evidence). The total loss offer was significantly less than the current actual cash value of my vehicle and the total loss valuation report continues 'tons' of inaccurate information. Hence I send the appraiser the email below; 'Hi Kristian, I don't believe I was given a fair offer for my total loss vehicle. My vehicle is a Tesla model Y base plus full self-driving capability, autopilot, black and white premium interior, midnight silver metallic (PMNG), 20 " induction wheels, long range all wheel drive and seven seater... Read More
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kcarnold
4/17/2024
Not a company I would do business with again. I had progressive insurance, cancelled it because I sold the car. Got my refund check followed their instructions for returning their snapshot device. They stopped payment on the refund check after it was deposited and are issuing me two separate checks one for the "snapshot device" and the rest of the money they owe me. This cost me an overdraft fee and a returned check fee, which they refuse to cover. Not because they didn't owe me the money but because they refunded it in two checks. Never do business with these people.
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dnash5
8/21/2023
Progressive was in the news recently concerning their reverse discrimination policy. This policy if reported correctly by the news (one white person was interviewed claiming denial of obtaining coverage with the special discount), allow only African/Americans to use this special benefit/discount for coverage. This is as bad as when blacks were discriminated against years ago and should not happen today. Shame on Progressive and I hope they change this policy.
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mohoney1012
8/18/2023
i bought insurance online and my son has a backend acciden 1.5 at the house. i had specifically ask sales did he had to be on the policy no as long as he has premission. the hp said i wish i didnt have to write a ticket but rules in sc you have no choice. i was sent many letters asking me to call i called 4 times never got them nor a return call but i got more denials first i didnt have insuran. on july 27.. i sent a copy of ticket which was on the the 28th. next denial he was not listed on policy. 3rd was i didnt have the insurance long enough. one denial was my son wasnt at fault and i caled corporate offic. i drove 40 miles just to have the form for dmv filled out. the clerk was... Read More
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B
Bob M
6/26/2023
Very pathetic insurance company. In Cut Off Louisiana in January 2023 my son got hit in the rear by a person who had Progressive Insurance. My son also had Progressive Insurance and had the uninsured motors coverage. He had to have the truck towed off due to all the damage. Progressive Insurance only rented a for one month. My son business depends on him have a truck to do his work. It is now June 2023, 6 months later and his truck is still not repaired and Progressive Insurance doesn't care. My son is out of business due to Progressive Insurance not seeing that his truck is repaired. He calls the adjuster and all he does is give him the run around. Repairing his truck with used parts,... Read More
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tjmccandless8484
3/9/2023
This Company is HORRIBLE!!! Filed a claim, was given the wrong claim #, left numerous voicemails and after 10 days, NOT one person gave me a call back. On day 12, i called in 7x before finally getting someone willing to help, and was told my truck would be picked up that day from Progressive and from their 3rd party towing company. Nothing happened, i called the body shop, Trucks not there, called the tow yard, trucks still there. No one let me know they didnt pick it up. Called and left a message with the supervisor and finally got a call back from him. Through all this, Progressive never tried to make it better, all i got was a ,"sorry no one has tried to contact you in almost a... Read More
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lombardo30
12/26/2022
I hate Progressive! They are charging us a rate that is so high for 2 people who drive under 10,000 miles, no tickets, no accidents, no dwi’s . I would not recommend them to anyone I am going back to Geico!
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kristinkelly1995
4/28/2021
Progressive was extremely helpful in providing me with a great rate and explaining everything that I was covered for!
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