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Progressive Car Insurance Review 2022

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Here's what Jerry users say about Progressive
Progressive Reviews
Easy to use app
Customer Service
Great Prices
Process Transparency
Easy to use website
Loyalty & Rewards Program
Flexible Plan Structures
Good Discounts Available
2052 customer reviews
Excellent
57.85%
Great
21.05%
Good
14.18%
Fair
3.7%
Poor
3.22%
Progressive is a high-profile auto insurance provider that offers tons of discounts and competitive rates.  
Finding the best car insurance company can be a real challenge: that’s why Jerry exists. As a licensed insurance broker partnered with over 55 leading auto insurance companies, Jerry can compare Progressive rates with quotes from dozens of other companies in just 45 seconds to find you customized rates! 
Jerry knows what makes a good insurance provider—and what problems to look out for! If you’re looking at car insurance options from Progressive, check out Jerry’s Progressive car insurance review before making a decision. 

Progressive auto insurance overview

Progressive writes auto insurance policies in all 50 states and offers 24/7/365 customer service support. 
Their insurance products range from standard auto, home insurance, and renters insurance to more esoteric coverages: Flo can help you with everything from golf cart insurance to mobile home, flood, and Segway insurance. 
AM Best, the only credit rating agency focused exclusively on the insurance industry, gives Progressive an A+ rating for financial strength. In other words, Progressive’s ability to pay claims is excellent; you won’t be left hanging without the coverage you’ve been promised. 
Although Progressive has many loyal customers, customer satisfaction is one of the company’s areas for improvement. Better Business Bureau reviews indicate that some customers come away from interactions with the company dissatisfied. And, in J.D. Power’s 2022 Auto Insurance Study, Progressive ranked in the lower range for customer satisfaction. 

Progressive pros and cons

ProsCons
Tons of competitive discountsHigh premiums for some driver profiles
Best rates for drivers with a DUIAverage customer service ratings
24/7/364 customer serviceHighest rates for teen drivers
Competitive rates in CA and NYUsage-based insurance (UBI) available

Progressive claim resolution time

Progressive resolves most property damage claims in seven to 14 days. However, the insurance company has up to 30 days to investigate a car insurance claim, so resolution time can vary based on the circumstances of the claim. 

How to get Progressive car insurance quotes

If you want to find easy Progressive quotes that you can compare with quotes from other leading insurance providers like Nationwide and Allstate, download the Jerry app. We’ll show you how your options from Progressive compare to other commercial auto insurance companies—and give you tips on how to save! 

FAQs

To file a claim with Progressive, you can log into your account on the Progressive website or mobile app or call 1-800-776-4737
You’ll need to provide some basic information about the claim, and you’ll get to choose between getting repairs or just taking a payment. If you choose to get repairs done, your Progressive representative will schedule repairs for you through an approved mechanic. 
Overall, Progressive is a good insurance company with competitive rates for many high-risk drivers. However, above-average rates for teen drivers and average customer service ratings may make another provider the right choice for some drivers. 
Progressive offers auto insurance coverage in all 50 states!
To get in contact with a Progressive insurance representative, you can call 1-800-776-4737 any time or log into your Progressive account (for existing customers). 
To get Progressive quotes you can compare to rates from other companies, download the Jerry app. 

Progressive car insurance cost

Progressive claims to offer affordable rates on car insurance—but do those claims hold up? 
Yes and no. On average, Progressive drivers pay between $46 a month and $420 a month. That’s a wide range, but Progressive’s many discounts and high rates for teen drivers can explain the difference. 
Your coverage limits matter, too. While Progressive’s average rate for minimum coverage (i.e. the lowest coverage limits required by state laws) is slightly below the national average, average rates for drivers who carry high-coverage policies are slightly above the national average. Take a look at the table below to see the difference. 

What factors does Progressive look at?

Every auto insurance company uses a slightly different methodology to set premiums for customers. At Progressive, your annual rate will depend on: 
  • Age: Young drivers pay much higher rates with Progressive than drivers over age 25. 
  • Vehicle usage: Thanks to usage-based insurance options, you may pay less if you don’t drive often or only drive for pleasure. 
  • Traffic tickets: Traffic violations, such as speeding, can raise your rate. 
  • At-fault accidents: In general, at-fault accidents will raise your premium unless you’ve purchased Progressive’s Accident Forgiveness products (more on those later!). 
  • Other accidents: Depending on which state you live in, a no-fault accident record could still raise your rate. 
  • ZIP code: The risk level associated with your ZIP code based on accident statistics, weather patterns, crime rates, and more can impact your premium. 
  • Coverage selections and deductibles: Higher coverage limits will increase your insurance costs, but choosing a higher deductible can lower them. 
  • How you pay (in full, online, etc): Progressive offers serious discounts for drivers who pay car insurance in full and online. 
  • Mileage: Progressive’s Snapshot® telematics program can lower your rate if you don’t drive very often. 
  • Credit score: Progressive takes credit scores into account when setting rates, but offers better rates for drivers with poor credit than most leading companies. 
  • Continuous insurance: A driver without an insurance lapse can typically get a lower rate from Progressive. 
  • Engine size: If your vehicle has a V6 or a V8 engine instead of a more conservative four-cylinder, your quotes will be higher due to the potential for speeding and other reckless driving behavior. 

Which Progressive customers get the best rates?

The Progressive customers who see the lowest rates compared to the national average are: 
On the flip side, teen drivers and drivers with less serious violations such as speeding tickets tend to see higher rates with Progressive than with other companies. 
See how Progressive’s average rates compare to other providers in the table below. 
Violation
Before Jerry
After Jerry
Clean Record$2,630$1,817
Reckless Driving$5,482$2,563
$5,216$2,450
Homicide$4,820$3,591
Eluding Police$4,252$2,915
Seat Belt$3,754$2,412
Careless Driving$3,585$2,485
Wrong Way/Wrong Lane$3,583$2,535
Illegal Turn$3,533$2,391
Improper Passing$3,447$2,374
Driving on Sus. License$3,437$2,277
Speeding over 15$3,396$2,350
Failure to Obey Traffic Sign$3,339$2,298
Leaving scene of an Accident/Hit and Run$3,315$2,103
Cell Phone$3,269$2,189
Speeding under 15$3,166$2,161
Suspension$3,145$2,173
Passing School Bus$3,107$2,181
Racing/Drag Racing$3,084$2,120
Defective Equipment$3,083$2,071
DUI$3,027$2,008
Open Container$3,026$2,160
Vehicle Theft$2,505$1,589
Other$3,432$2,340
See More

Progressive car insurance rates with violations

One of Progressive’s biggest strengths is car insurance for high-risk drivers. Even if you consider yourself a safe driver, you could be labeled as a high insurance risk if you have multiple speeding tickets or other violations—and all it takes is one serious offense like a DUI or reckless driving charge to send your premiums skyrocketing. 
The table below shows the average rates that Progressive customers with various violations pay. 
Driving InfractionAnnual Cost
Annual Savings With Jerry
Clean Record$1,817$813
Reckless Driving$2,563$2,919
$2,450$2,766
Homicide$3,591$1,229
Eluding Police$2,915$1,338
Seat Belt$2,412$1,341
Careless Driving$2,485$1,099
Wrong Way/Wrong Lane$2,535$1,047
Illegal Turn$2,391$1,141
Improper Passing$2,374$1,073
Driving on Sus. License$2,277$1,160
Speeding over 15$2,350$1,046
Failure to Obey Traffic Sign$2,298$1,041
Leaving scene of an Accident/Hit and Run$2,103$1,212
Cell Phone$2,189$1,080
Speeding under 15$2,161$1,005
Suspension$2,173$972
Passing School Bus$2,181$926
Racing/Drag Racing$2,120$964
Defective Equipment$2,071$1,012
DUI$2,008$1,019
Open Container$2,160$866
Vehicle Theft$1,589$916
Other$2,340$1,093

Progressive car insurance cost with DUI

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Progressive car insurance cost with a speeding ticket

Progressive customers with a recent speeding ticket pay an average annual rate of {dynamic text} for car insurance. That’s an increase of {dynamic %} over the average rate without a ticket. Keep in mind that multiple speeding tickets—or a single ticket for speeding well over the speed limit—can raise your rate even more. 

Progressive car insurance rates by age

Age is one of the biggest factors that impact car insurance premiums. With Progressive, age can play a huge role in setting your annual rate. Check out the graph below to see how rates for different age groups compare among Progressive policyholders. 

Progressive car insurance cost for young drivers

The highest risk age category is teenage drivers, whose lack of experience can make them prone to accidents and violations. Although teen drivers pay more than older drivers across the board, Progressive has some of the highest rates around for drivers under age 21. 
However, Progressive’s competitive policy discounts could win some young drivers a better rate. If you qualify for a good student discount, you could save an average of 10% on your policy. Progressive even offers discounts specifically for families with drivers under 18, but savings vary for those policies. 

Where is Progressive insurance the cheapest?

On average, Progressive insurance rates are most competitive in California and New York, but drivers can find decent rates in all 50 states. Check out the table below to see the average Progressive rate in every state. 
StateCost
Vermont$912
Wyoming$1,038
Maine$1,143
Iowa$1,165
Montana$1,167
Tennessee$1,172
Massachusetts$1,182
Idaho$1,189
Kansas$1,198
Oklahoma$1,205
West Virginia$1,230
New Mexico$1,234
Mississippi$1,240
Wisconsin$1,247
Arkansas$1,270
Illinois$1,274
South Dakota$1,279
Indiana$1,281
Alabama$1,287
Nebraska$1,312
Texas$1,346
North Carolina$1,348
Missouri$1,357
California$1,361
Colorado$1,367
Virginia$1,386
Ohio$1,402
Washington$1,408
Arizona$1,414
Pennsylvania$1,417
Utah$1,482
Minnesota$1,486
Oregon$1,486
Kentucky$1,518
New Hampshire$1,619
South Carolina$1,743
Florida$1,790
Georgia$1,800
Connecticut$1,808
Louisiana$1,811
Nevada$1,820
Rhode Island$1,849
Michigan$1,951
District Of Columbia$2,038
New Jersey$2,059
Delaware$2,061
Maryland$2,074
New York$2,841
See More

Progressive car insurance discounts

Discounts are one of Progressive’s specialities—and if you qualify for enough, you could pay a seriously low rate.
Progressive offers the following discounts: 
CategoryDiscountDescriptionAverage savings
Loyalty-based discountsMulti-carLower premiums for drivers with more than one vehicle on their policy4%
Multi-policyThe famous bundling discount; lowers premiums on home and auto, auto and boat, or any other combination of two or more policies5%
Continuous insuranceDrivers with no coverage lapses save based on the number of years they’ve been continuously insured; not available in CAVaries
Driver-based discountsSafe driver discountUsing the Snapshot® telematics program, drivers can save based on actual safe driving behaviors$146
Homeowner discountAutomatic discount for homeowners, even if your home isn’t insured through ProgressiveAlmost 10%
Good student discountFull-time students with a B average or better save on insurance; not available in CA or HI10%
Teen driver discountDiscounted rate available when adding a driver 18 years or under to the policy; not available in CAVaries
Distant student discountAvailable for families with a student 22 years or younger attending school more than 100 miles from home; not available in CAVaries
Payment-based discountsSign onlineSign your documents online, and Progressive will discount your policy9%
Online quoteGet a quote online, and you’ll pay less7%
Pay in fullPaying your annual bill in full upfront can earn you a discounted rate; not available in CAVaries
PaperlessOpt to receive documents via email, and you can pay less; not available in CAVaries
Automatic paymentIf you’re not paying in full, setting up an automatic payment can get you a discounted rate; not available in CAVaries

Progressive auto insurance coverage options

If you’re looking for a policy that meets your state’s liability minimums, you’ll be able to find the coverage you need from just about any insurance company—but what coverage options does Progressive have for drivers looking for more thorough coverage?
Progressive offers the following types of coverage required by law: 
In addition to the above types of legally mandated car insurance, Progressive also offers: 
  • Comprehensive insurance: If your car is damaged by severe weather, fire, an animal, vandalism, theft, or other events outside your control, this coverage can help you pay for damages. 
  • Collision insurance: This coverage will pay for damage to your vehicle caused by any kind of collision—e.g. with another car, a guard rail, a tree, or a pole. 
  • Gap insurance: Called “loan/lease payoff” at Progressive, this insurance covers the difference between your car’s actual cash value (ACV) and the amount left on your loan, up to 25% of ACV. 
  • Rental reimbursement: If your car is in the shop, this add-on coverage will offset the cost of a rental car to the tune of $40 to $60 per day. 
  • Custom parts and equipment (CPE) coverage: If you install after-market accessories (e.g. a sound system or custom paint) in your vehicle, you can insure them up to a $5,000 limit. 
  • Roadside assistance: Also known as towing and labor coverage, Progressive’s roadside assistance product pays for towing and provides other services if your car breaks down away from home. 
  • Rideshare insurance: If you drive for a company like Uber or Lyft, Progressive can help fill in the gaps that your company doesn’t cover with rideshare insurance. 
Progressive doesn’t just offer coverage for new cars—you can also purchase classic car insurance through Progressive if you own a “fun-to-drive” vehicle that’s older or holds unique value. 

Additional products from Progressive

In addition to the coverage options listed above, Progressive offers some unique insurance products that could help some drivers save money on a car insurance policy from Progressive. 

Snapshot® usage-based insurance

Usage-based insurance (UBI), like the product powered by Progressive’s Snapshot® telematics program, is one of the hottest new things in the car insurance world. Progressive’s UBI program uses an onboard diagnostics tool or smartphone app to monitor your driving and adjust your insurance costs to better fit your vehicle usage. 
Through Snapshot, Progressive offers two types of UBI: 
  • Mileage-based: Snapshot measures how many miles you drive and adjusts the cost of your Progressive policy based on that figure. 
  • Driving-based: Snapshot records driving habits like braking, acceleration, and the time of day when you drive most and adjusts the cost of your Progressive policy based on that data. 
If you have a great driving record or drive infrequently, Progressive’s UBI product could save you money in the long run. But for some drivers, using Snapshot could actually raise policy costs. Evaluate your driving habits carefully before signing up for UBI. 

Accident Forgiveness

Progressive ads talk a lot about Accident Forgiveness—but what is it, and who’s eligible? 
Progressive actually offers three types of accident forgiveness: 
Type of forgivenessDescriptionWho’s eligible?
Small accident forgivenessNo premium increase on a claim for less than $500.Automatically applied to all customers
Large accident forgivenessNo premium increase for any accidentAutomatically applied to Progressive customers who’ve been with the company for five years while staying accident- and violation-free
Progressive® Accident ForgivenessOne accident forgiven per policy periodAvailable for purchase for all customers

Progressive acciDeductible savings bank

Progressive offers diminishing deductibles through a “deductible savings bank” applied to policies with comprehensive or collision deductibles. 

Name Your Price® tool

Progressive boasts its ability to find drivers the coverage they need inside their budget. With the Name Your Price® tool, drivers can enter the amount they’d like to pay for insurance and get back potential coverage options within that range. 
While this sounds pretty great, there are drawbacks. For instance, if you enter “$1,” you won’t get back any practical results—there are certain minimum amounts of insurance you must carry, and they cost money. However, it can be a convenient way to get cheap quotes. 
If you want to compare Progressive quotes to even more affordable quotes from the best car insurance companies, download the Jerry app. Instead of naming your price, all you need to do is enter some basic information, and you’ll see the lowest rates you could pay with a wide range of insurance providers! 

Progressive payment options

You can pay for your Progressive insurance policy using a number of different methods, from automatic credit payments to simply calling the company up and paying over the phone. Many of these payment options can earn you a discounted rate on your policy! 
  • Online payments: Credit/debit card, electronic funds transfer (EFT) from bank account, online checks, PayPal
  • Payment by mail: Personal check or money order
You can log into your Progressive account on the website or through the mobile app to make a payment—or just call 1-800-776-4737! 

Real Progressive reviews from Jerry customers

Check out what real Jerry users have to say about Progressive:
Joshua
They are awesome
Afi
I love how they always give me discount
Kevin
Using Jerry I saved $70 per month my switching to Progressive.
Nicole
Fair monthly rates from a reliable Insurance company. There app is easy to use & I love the auto-pay.
Pascual
Fast and easy process. And if adjustments need to be made, they are quickly handled by going online and submitting the request.
Constance
I’m a new customer of Progressive and they’ve made it very simple to switch and the premium is extremely competitive. I’m happy with the coverage and company so far.
Jude robles
Our insurance is very affordable and the top notch ! We feel safe driving around with our 3 month old knowing we’d be covered if anything were to happen! The best insurance yet ❤️🙏🏼
Brittnee
I’ve had progressive for only a month and I’ve loved their insurance. I was able to speak with a representative at anytime and I am always able to get an answer for any of my questions and concerns. Thanks you guys for everything !
Marylee
We were paying almost $1200 every six months for 2 vehicles excellent credit, homeowner, no accidents and no tickets in the past 2 years. Progressive almost halved it for the same coverage. No idea how they'll be if we have any claims but we'll figure that out when we get to it.
Chloe
Mostly, I think progressive is the best insurance to get. I think the coverage is very reasonable for the price, and it’s one of the cheapest insurances I could find. This is the only car insurance company I’ve been with, but they’ve been very helpful throughout this whole process of learning how to “adult.” The only thing I can complain about is that some of the agents are very hard to understand by the way they word things. Some people over complicate it when it could easily be said and understood in a shorter sentence.

Key Takeaways

  • Progressive offers competitive rates on minimum coverage for high-risk drivers, especially drivers with DUI convictions
  • Progressive users can save on car insurance with a wide range of discounts
  • Teen drivers pay above-average rates with Progressive
  • Progressive’s 24/7/365 customer service earns low to average ratings

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