Progressive Car Insurance Review 2021

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Quick look: Progressive car insurance
What coverages does Progressive offer?
How much does Progressive auto insurance cost?
Who qualifies?
Discounts
Additional services
Things to keep in mind

Drivers who switch to Progressive with Jerry save an average of $1,088 per year on their car insurance.

You may not believe us, but car insurance shopping can be fun! Without the slog through slow websites and vague descriptions of coverage, it’s pretty easy to find a great policy.

Jerry takes the anxiety out of car insurance shopping. If you have 45 seconds and a smartphone, you could be only a few taps away from uncovering hundreds in savings. That sounds pretty fun, doesn’t it?

The Jerry app takes care of the entire process, from comparing quotes to finalizing your purchase. Oh, and the average user saves $879 per year on car insurance.

Here are some real quotes from Jerry users:

Quote Date	Car Make	Car Model	State	City	Age	Annual Savings after Switching to Progressive with Jerry
2021-08-27	Hyundai	Elantra SEL	TX	Fort Worth	45-54	$1,116
2021-08-31	Toyota	Prius	AZ	Chandler	25-34	$462
2021-04-13	Isuzu	Trooper S	VA	Hampton	21-24	$1,152
2021-05-26	Saturn	Ion Level 3	MO	Saint Louis	45-54	$1,116
2021-08-30	Dodge	Grand Caravan SXT	TX	San Antonio	25-34	$480

Quick look: Progressive car insurance

Good for
Tech-savvy customers
Discounts and a wide variety of coverages
Safe drivers who want to be rewarded for their good behavior

What coverages does Progressive offer?

Progressive is known for offering lots of different policies and customization options. Some are required by the state and others are optional (but useful).

Most common coverages

Liability insurance: Liability insurance is mandatory in almost every state. This policy includes bodily injury liability and property damage liability, which protect other drivers if you cause an accident that causes harm.
Comprehensive insurance: Comprehensive coverage is optional in every state, but you may be required to get it if you lease or finance your vehicle. This coverage pays for damage that is not the result of a collision—for example, from severe weather, vandalism, or theft.
Collision insurance: Collision coverage is optional but, again, you might be required to get it if you’re leasing or financing. This policy pays for damage to your car that is the result of a collision, either with another vehicle or a stationary object.
Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection helps cover costs if you get into an accident caused by a driver without any (or enough) insurance. This policy is important if you live in a state with an unusually high percentage of uninsured drivers.
Medical payments coverage: MedPay covers medical expenses for you and your passengers if you sustain injuries in a car accident—even if you were at fault. MedPay is required in a few states but optional in most.

Optional add-ons

Pet injury: If your dog or cat was along for the ride and was injured in a car accident, this policy will pay for vet bills associated with the event up to your limit.
Custom parts protection: Aftermarket parts and customizations receive protection with this add-on policy. You can get $1,000 of protection for accessories like tires, sound systems, and more. Need a higher limit? You can purchase it separately from Progressive.
Rental reimbursement: If you can’t drive your car while it’s being repaired after an accident, then Progressive’s rental reimbursement will cover the cost to rent a car (between $30 and $50 per day).
Gap insurance: Gap insurance helps protect you in an accident if you still owe money on your car. It pays out the difference between your loan or lease balance and the car’s value at the time of the accident.

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How much does Progressive auto insurance cost?

The average annual car insurance premium for Progressive’s minimum insurance policy is $1,453. For full coverage that offers more financial protection, the average premium is $2,012.

Premiums vary greatly from driver to driver. A company calculates your premium based on your unique level of risk. This equation includes factors like your unique driving history, personal profile, and the type of vehicle you drive.

Here is the average monthly payment for Progressive insurance, both at a minimum level and with full coverage.

Average Monthly Cost for Minimum Coverage	Average Monthly Cost for Full Coverage
$141	$189

There’s a silver lining to your golden years: lower rates on car insurance!

Younger drivers insured with Progressive tend to pay $2,148 per year, whereas older drivers typically enjoy a lower rate—an average of $1,991 per year.

Studies show that younger drivers are at an increased risk of getting into an accident compared to more experienced drivers. Because of this statistic, drivers under 20 typically pay a higher rate for coverage.

Here’s what Progressive drivers pay based on their age group.

Age Group	Annual Cost	Annual Savings after Switching to Progressive with Jerry
18-20	$2,537	$1,175
21-24	$2,184	$1,113
25-34	$1,794	$853
35-44	$1,733	$830
45-54	$1,639	$825
55-64	$1,489	$700
65+	$1,687	$809

MORE: Why is car insurance so much more expensive for younger drivers?

Who qualifies?

Progressive is an option for drivers of all ages in every state. It’s the third-largest insurance company in the nation and it offers customizable policy options, so most drivers will find something they like at Progressive.

Young drivers may not get the lowest rates with Progressive, but it’s a challenge for the under-20s crowd to find low rates anywhere.

Progressive does insure high-risk drivers.

Here’s the annual average cost of Progressive insurance for drivers with an infraction on their record:

Driving Infraction	Annual Cost	Annual Savings after Switching to Progressive with Jerry
Clean Record	$1,817	$878
Careless Driving	$2,210	$1,055
Cell Phone	$3,018	$924
Defective Equipment	$2,208	$1,221
Driving on Sus. License	$2,385	$1,246
DUI	$2,005	$949
Eluding Police	$3,174	$1,415
Failure to Obey Traffic Sign	$2,276	$1,090
Illegal Turn	$2,444	$1,084
Improper Passing	$2,384	$1,034
Leaving scene of an Accident/Hit and Run	$2,347	$1,357
Open Container	$1,509	$1,281
Passing School Bus	$1,637	$774
Seat Belt	$3,060	$1,777
Speeding over 15	$2,266	$1,119
Speeding under 15	$2,104	$1,043
Suspension	$1,908	$1,044
Vehicle Theft	$1,195	$1,708
Wrong Way/Wrong Lane	$2,315	$739
Other	$2,220	$1,098

Key Takeaway Progressive offers highly customizable insurance options for drivers of all ages.

Progressive insurance is available in all 50 states and Washington, D.C.

Jerry is a licensed broker that can help you compare and purchase car insurance, no matter where you live or how clean your driving record is. In less than 60 seconds, you’ll be reviewing quotes from top providers.

Once you pick a policy, Jerry helps you finalize the purchase—no long forms, no phone calls, no hassles.

State	Annual Cost	Annual Savings after Switching to Progressive with Jerry
AK	$1,512	$756
AL	$1,681	$810
AR	$1,731	$977
AZ	$1,601	$778
CA	$1,759	$942
CO	$1,801	$994
CT	$2,241	$923
DC	$2,304	$1,074
DE	$2,372	$928
FL	$2,107	$906
GA	$2,131	$988
HI	$4,068	$132
IA	$1,552	$612
ID	$1,475	$682
IL	$1,583	$752
IN	$1,549	$843
KS	$1,625	$848
KY	$1,836	$860
LA	$2,265	$821
MA	$1,452	$483
MD	$2,511	$984
ME	$1,400	$1,211
MI	$2,217	$1,090
MN	$1,546	$978
MO	$1,849	$781
MS	$1,774	$1,053
MT	$1,488	$680
NC	$1,789	$941
NE	$1,597	$1,071
NH	$1,711	$832
NJ	$2,390	$1,118
NM	$1,608	$728
NV	$2,313	$854
NY	$2,968	$1,207
OH	$1,533	$825
OK	$1,718	$763
OR	$1,717	$901
PA	$1,809	$913
RI	$2,448	$937
SC	$2,153	$1,133
TN	$1,627	$787
TX	$1,759	$869
UT	$1,569	$619
VA	$1,741	$977
VT	$1,328	$724
WA	$1,828	$858
WI	$1,558	$880
WV	$1,674	$880
WY	$1,824	$1,113

Key Takeaway The Jerry app can help you find a policy that meets your needs—and probably at a better price than you’re currently paying.

Discounts

Progressive customers can unlock a variety of discounts to cut the overall cost of their car insurance premium. Each discount is fairly small, but taken together they could add up to a sizable reduction in your annual rate.

Here are some of the most common driver and vehicle-based discounts offered by Progressive:

Discount	Description
Homeowner discount	Even if you don’t insure your home with Progressive, you could still be eligible for a discount just because you own a home.
Good student discount	Students who maintain a strong grade average can unlock a discount.
Student away discount	If a student is away at school and not driving the family vehicle, this situation qualifies for a discount from Progressive.
Safe driver discount	Go three years without any accidents or tickets and Progressive will reward you with a discount.
Snapshot telematics discount	This is an app and on-board device that assesses your driving habits—and rewards you with a discount for being a safe driver.

Here are some popular policy-based discounts that Progressive drivers can access:

Discount	Description
Multi-policy discount	Bundling more than one policy (home, auto, boat) from Progressive could reduce your overall insurance costs.
Multi-car discount	Insure two or more vehicles and enjoy a rate reduction.
Paperless discount	Get your statement and pay your premium online and enjoy a discount.
Pay upfront discount	If you can pay your six-month policy in a lump sum, you get a discount.

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Additional services

Progressive’s Snapshot is a telematics program that uses an on-board device and mobile app to rate driving behavior. The app measures things like braking, speed, and time of day to figure out how safely you are driving.

Drivers who display safe driving habits over six months will save more on their premiums. There’s even an automatic discount just for signing up.

Progressive also offers a deductible savings bank coverage option, which is similar to a vanishing deductible. For every six months that you drive without an accident, your deductible for collision and comprehensive will drop by $50. You can keep going until your deductible bottoms out at $0.

As a large company, Progressive offers more than just auto insurance:

Boat insurance
Commercial auto insurance
ATV insurance
Snowmobile insurance
Golf cart insurance
Motorcycle insurance
Classic car insurance
Umbrella insurance
Homeowner’s, condo, and renter’s insurance
Short-term home rental insurance
Mobile home insurance
Life insurance
Travel insurance
Pet insurance
ID theft insurance
Flood insurance
Phone and device insurance
Health insurance
Dental and vision insurance

Things to keep in mind

Payment methods

Progressive customers can easily submit payments on the company website. There is a mobile app but it doesn’t offer a way to submit payment.

Other options include payment by text, by phone at 1-800-776-4737, or by mail as a check or money order accompanying the monthly bill. Drivers can also set up automatic payments.

Cancellation policy

You can’t cancel your Progressive policy online but you can cancel by phone, mail, or email. Call 1-866-416-2003 to be connected with an agent who can set a date for your cancellation.

Jerry can help you take care of cancelations and refunds, as well.

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