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Progressive Car Insurance Review
(Mar 2024)

According to research conducted by Jerry's team, Progressive ranks among the top car insurance companies in 2023, based on firsthand reviews.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Comprehensive Progressive Car Insurance Review

Progressive is one of the best car insurance companies of 2023, according to first-hand reviews analyzed by Jerry’s research team.  
Here’s a breakdown of how our verified Progressive policyholders ranked Progressive:
4.2
red starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred stargray stargray stargray stargray stargray stargray stargray stargray star
4,944 Reviews
5 Stars
56.07%
4 Stars
21.5%
3 Stars
14.08%
2 Stars
3.82%
1 Star
4.53%

So, is Progressive a good insurance company?

Overall, yes. 
We analyzed over 5,000 real customer reviews from Progressive. Of those reviews, we found that over 80% were overwhelmingly positive, while only 6.87% had a negative tone. 
When compared to the national average of only 64% positive reviews and 18.54% negative reviews, it’s clear why Progressive was ranked so highly in our survey. 
The good: Positive reviews of Progressive focused on affordable insurance pricing and reliable customer service. The majority Progressive customers reported: 
We asked policyholders to rate Progressive on their affordability, claims experience, customer service, and renewal process. 
See how Progressive’s ratings compared to the national average of all companies surveyed below:
CriteriaProgressive's RatingIndustry Average
Overall
4.3
4.1
Cost / Price
3.8
3.8
Claim Experience
3.9
3.5
Customer Service
4.2
4
Renewal Experience
4.1
4
Progressive has millions of customers (they’re one of the biggest insurance providers in the US!). 
When evaluating Progressive’s strengths and weaknesses, we thought it was important to take a look at how other industry leaders rated Progressive, in addition to our own survey data from real drivers. Here’s how Progressive stacks up against the national average for other insurance companies in the US: 
Critera
Progressive
Best Score Possible
BBB Rating
A+
A+
NAIC Rating
1.70
6
Clearsurance
4.06
5
A.M. Best Rating
A+
A++
IOS App Store Rating
4.8
5
Google Play Store Rating
4.6
5
Please note* that a greater NAIC score indicates increased risk.

Progressive car insurance reviews

Not only did we ask real policyholders to rate Progressive in a number of specific categories that we were interested in, we wanted to hear what they had to say! Check out some real reviews from Progressive car insurance customers:

Progressive pros and cons

Based on our analysis of both our national insurance customer satisfaction survey and the public third-party ratings available for Progressive, here are the pros and cons of buying an auto insurance policy with Progressive:
iconPros
Excellent customer service ratings
Competitive discounts for bundling home and auto insurance
Most drivers find affordable rates
Lowest rates for drivers with DUIs
iconCons
Many drivers complain about the claims process
Some drivers had unexplained rate increases

Is Progressive the right insurance company for you?

Progressive is typically one of the best car insurance companies for: 
  • Drivers over age 25
  • Drivers with violations, especially DUIs
  • Drivers with poor credit
  • Drivers looking for full coverage auto insurance 
Keep in mind: Not every driver in these categories will find the best rates with Progressive. On the other hand, even teen drivers and those with clean driving records can find savings with Progressive! 
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 specialty coverages: Flo can help you with everything from golf cart insurance to mobile home, flood, and Segway insurance.
Click on the buttons below to see the breakdown of our analysis of Progressive’s car insurance services.

Is Progressive car insurance expensive?

Most Progressive customers found that they paid fair rates based on their driver profile. While some drivers complained of high costs, many said that Progressive offered the lowest rates despite the risk factors on the profile. 
According to our survey results, 27% of all surveyed Progressive reviews directly mentioned cost. Of those reviews that mentioned cost, 70% were overwhelmingly positive and 21% were critical. 
After closely analyzing each respondent's review, the consensus is that Progressive offers fair rates for car insurance for customers of all driver profiles. 
When compared to companies of similar size, Progressive was ranked 7th overall for policy cost satisfaction. Out of 5, they scored 3.8 stars - which is just a hair under the national average of 3.81. Here’s how Progressive compared to the other companies in our study:
Progressive Policy Cost RatingRankingIndustry Average
3.8
7
3.8
Keep in mind: Car insurance rates are highly individualized, meaning that every driver’s quote from Progressive will be different. Like other insurance companies, Progressive
calculates insurance premiums
based on: 
Even though each state allows insurance companies to use different rating factors when calculating insurance costs, there are some general cost trends by state.

Progressive cost reviews

Take a look at how real Jerry users rated progressive based on cost below:

Find real Progressive car insurance quotes

Jerry
can help you figure out if Progressive is right for you, for free! We’ve helped millions of drivers like you
compare auto insurance quotes
from Progressive and 55+ other insurance companies in seconds. 
Here are some of our recent quotes from Progressive, to help you best understand how your driver profile might affect the cost of insurance from Progressive:
Premium (monthly)CustomerCarInsurance Coverage
$179
Hyundai Sonata Sport
• State Minimum Liability
• Comp / Collision
$117
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
$159
Infiniti I35
• 50,000/100,000 Liability
• Comp / Collision
$222
Nissan Versa S
• State Minimum Liability
• Comp / Collision
$104
Honda Civic LX
• 30,000/60,000 Liability
coverageLast Updated Mar 15, 2024

Will Progressive raise your rates?

Like all insurance companies, Progressive can only increase your rates
upon renewal
Some of the reasons your rate might go up with Progressive include: 
  • New violations or tickets
  • New accidents
  • New address
  • New vehicle on policy 
  • New driver on policy 
  • Inflation
According to our survey, 64% of drivers chose to renew their policy with Progressive
Remember:  it’s important to understand that insurance companies often make changes to the way they price their policies, and it’s normal to experience some fluctuation over time even if there are no changes to your driver profile.

Does Progressive resolve claims fast?

Progressive’s website guarantees that they resolve all
car insurance claims
within 14 days—but some customers reported dissatisfaction with the claims process. 
During this period, the insurer will investigate the claim, assess the damages or injuries, and determine the liability and coverage details to offer a settlement or denial promptly. Meeting this timeline helps ensure efficient and timely support for policyholders, reducing stress and delays associated with the claims process.
64% of our survey respondents who have a policy from Progressive reported having filed a claim. These customers rated Progressive a 3.9/5 for their claims process and subsequent resolutions. This indicated to us that some customers were dissatisfied with Progressive’s claims process. 
However, compared to the national average score of 3.54/5, Progressive ranked higher than a large number of other companies in our survey. We ranked Progressive 11th overall when compared to companies of similar size when examining how verified customers reported their claims process experience with Progressive. 
Progressive Claims Resolution RatingRankingIndustry Average
3.9
11
3.5

Progressive claims reviews

Check out how real Jerry users rated Progressive based on cost below:

Does Progressive have good customer service?

Yes—customer service is one of Progressive’s biggest strengths. 
Survey respondents scored Progressive’s customer service a 4.2 out of 5. In other words, when compared to the national average of 3.9, Progressive is killing it when it comes to customer service. 
Highly rated reviews about Progressive’s customer service tended to mention things like fast response times, how easy it was to get an agent on the phone, and the kindness and the willingness to help of Progressive’s customer service agents.
On average, here’s how our survey respondents rated Progressive’s customer service:
Progressive Customer Service RatingRankingIndustry Average
4.2
8
4

Progressive customer service reviews

See how real Jerry users rated Progressive based on customer service below:

Progressive car insurance discounts

Progressive offers
a wide range of discounts
, but some customers were dissatisfied with their savings. 
Car insurance discounts
are a crucial tool for drivers looking to save money by reducing the overall premium cost based on various factors such as safe driving history, low mileage, or bundling multiple policies with the same insurer. Installing safety features in your vehicle or opting for usage-based insurance can also lead to additional savings. 
Progressive’s discounts are one of the primary cited reasons for positive reviews. 23% of surveyed drivers mentioned discounts among the things they liked about Progressive.
Some of the common discounts Progressive provides include:
  • Safe driver discount: Rewards drivers with a clean driving history and no recent accidents or traffic violations.
  • Multi-car discount: Provides savings when you insure more than one vehicle on the same policy.
  • Multi-policy discount: Offers a discount when you bundle your car insurance with other policies, such as home insurance.
  • Snapshot discount:
    Available through their usage-based insurance program, Snapshot, which rewards safe driving habits and low mileage.
  • Good student discount:
    Gives lower rates to student drivers who maintain good grades in school.
  • Continuous insurance discount: Rewards customers who have maintained continuous car insurance coverage without any lapses.
  • Sign online discount: Provides savings for policyholders who sign their documents and policies online.
Keep in mind that discounts offered by insurance companies can change over time, and new discounts may have been introduced since our last update. To get the most up-to-date and accurate information about Progressive's current discounts, it's best to visit their official website or contact a Progressive representative directly.

Progressive coverage options

Car insurance coverage requirements vary based on individual circumstances and state regulations. Here are some of the
common types of car insurance
that Progressive offers its customers:
Liability insurance
: Drivers can buy
bodily injury liability
and
property damage liability coverage
as required by their state to cover claims for other parties in at-fault car accidents. 
Uninsured/underinsured motorist coverage:
If another driver’s liability insurance isn’t sufficient to cover your claim, UM/UIM helps to provide quick coverage for medical bills and car repairs after a car accident. 
Comprehensive coverage:
If your vehicle is stolen or damaged by something other than an accident, such as fire, severe weather, or vandalism, comprehensive coverage offers protection. 
Collision coverage:
Collision insurance pays for damage to your car from any type of collision, from a multi-car pileup to a guardrail crash or single-car rollover. 
Personal injury protection (PIP):
Some states require this no-fault insurance to cover medical bills, lost wages, and other health-related costs for you and your passengers following a car accident. 
Medical payments (MedPay):
Like PIP, MedPay covers hospital bills after a car accident for you and your passengers. 
Loan/lease payoff: Similar to
gap insurance
, Progressive’s loan/lease coverage will cover the difference between what you owe on a stolen or totaled financed vehicle and its actual worth, up to 25% of ACV. 
Rental reimbursement:
If your car is in the shop following a covered loss, rental car reimbursement coverage offsets the cost of a temporary replacement vehicle. 
Roadside assistance:
Progressive’s 24/7 roadside assistance includes towing, winching, jump-starts, battery charges, flat tire changes, and locksmith charges. 
Trip interruption coverage: This add-on for customers with roadside assistance pays up to $500 for lodging, transportation, and food if your car breaks down more than 100 miles from home. 
Custom parts and equipment (CPE) coverage: CPE coverage offers protection for car mods, typically up to a $5,000 limit. 
Pet injury coverage: If your pet is injured in an accident while riding in your car, pet injury coverage will pay up to $1,000 in vet bills. 
Rideshare coverage:
Drivers for rideshare companies like Uber and Lyft must add this endorsement to their policy to cover the period when logged into the rideshare app and waiting for a ride. 

Progressive’s additional tools and services

Progressive offers several additional tools and services for car insurance to enhance the overall customer experience and provide added benefits. Here are some common additional tools and services that Progressive has offered in the past:
  • Snapshot®: Snapshot is a usage-based insurance program that allows policyholders to potentially earn discounts based on their driving habits. Customers can use a mobile app or a device installed in their car to monitor their driving behavior and receive personalized rates based on how safely they drive.
  • Name Your Price® Tool: This tool helps customers find car insurance that fits their budget. Customers can input the price they want to pay and then receive a range of coverage options available within that budget.
  • Coverage Checker®: Progressive's Coverage Checker helps customers understand their current coverage and identify potential gaps. It provides personalized recommendations for coverage options based on the customer's needs.
  • Deductible Savings BankSM: This program rewards customers with $50 for every six months they go without an accident or violation, up to a maximum of $500. The savings can be used toward a deductible if they need to make a claim.
  • Accident forgiveness:
    Progressive's Accident Forgiveness program prevents a rate increase after a policyholder's first at-fault accident if they qualify.
  • Bundle and Save: Progressive offers discounts for customers who bundle their auto insurance with other policies, such as home insurance or renters insurance.
  • Mobile app: Progressive has
    a mobile app
    that allows customers to manage their policies, view their ID cards, make payments, file claims, and access other services on the go.
  • Online claims filing: Customers can file and track claims conveniently through Progressive's website or mobile app.
Keep in mind that these additional tools and services may vary by location and policy type. To get specific information about what Progressive currently offers in your area, visit their official website or get in touch with their customer service.

Compare Progressive quotes by driver profile

Check out the tables below to see how real Progressive quotes change based on your driver profile. 

Progressive quotes for teens and seniors

Teen drivers
typically pay the highest rates with Progressive due to lack of experience on the road.  
card cover
Leo (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carNissan Altima
$198
per month
card cover
Caroline (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$269
per month
card cover
Isabella (24 years old)
coverageCoverage
State Minimum
$178
per month
card cover
Marvin (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$300
per month
card cover
Daisy (23 years old)
coverageCoverage
State Minimum
locationHortonville, WI
carChevrolet Malibu 1LT
$73
per month
Senior drivers
over age 55 enjoy some of the lowest rates with Progressive. 
card cover
Nancy (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$141
per month
card cover
Jean (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFiat 500 Lounge
$141
per month
card cover
Louis (67 years old)
coverageCoverage
State Minimum
$84
per month
card cover
Mattie (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda CR-V EX
$200
per month
card cover
Edgar (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$64
per month

Progressive quotes for drivers with violations

Progressive specializes in
car insurance for high-risk drivers
, including drivers with DUI violations and other serious marks on their driving record. Check out the tables below to see how your rate might change based on your driving record. 
Speeding tickets are one of the most common driving violations, but they can still raise your insurance rates. Take a look at some real Progressive quotes that drivers found with Jerry.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
$104
Lottie, 22
Zip: 74053
Ford Fusion SE
• State Minimum Liability
Speeding 6-10
$176
Addie, 29
Zip: 29588
Ford Explorer Sport Trac XLT
• State Minimum Liability
Speeding 11-15
$283
Sean, 45
Zip: 28216
Lexus ES 300H
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
$384
Ivan, 41
Zip: 30635
Cadillac CTS Performance Collection
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
$222
Barbara, 22
Zip: 33471
Jeep Grand Cherokee Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 14, 2024
A DUI can raise your car insurance rates—but Progressive consistently offers lower prices to drivers with DUIs than other major carriers. 
card cover
Mamie (48 years old)
DUI
coverageCoverage
State Minimum
$337
per month
card cover
Rodney (31 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationAlpine, WY
carDodge RAM 1500 ST
$100
per month
card cover
Eleanor (25 years old)
DUI
coverageCoverage
State Minimum
$173
per month
card cover
Madge (61 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Optima SX
$90
per month
card cover
Fred (36 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationAtlantic Highlands, NJ
$196
per month
If you get into an at-fault accident, you’re likely to see an increase in your Progressive rate at your next policy renewal. 
Accident TypePremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
$208
Evelyn, 30
Zip: 28208
Lexus GX 460
• State Minimum Liability
• Comp / Collision
At Fault With Injury
$183
Michael, 32
Zip: 27320
KIA K5 GT Line
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$239
Corey, 36
Zip: 28112
Toyota RAV4 LE
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$70
Austin, 38
Zip: 75052
Honda Civic LX
• State Minimum Liability
At Fault With Injury
$353
Landon, 43
Zip: 28216
Toyota Camry LE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 18, 2024
Speeding tickets, accidents, and DUIs aren’t the only violations that can raise your Progressive rates. 
ViolationPremium (monthly)CustomerCar
Careless Driving
$392
Ford Focus SE
Cell Phone
$247
Buick Enclave
Illegal Turn
$185
Nissan Rogue S
Leaving scene of an Accident/Hit and Run
$96
Honda Civic LX
Defective Equipment
$115
Toyota Tacoma Double Cab Prerunner
coverageLast Updated Mar 16, 2024

FAQs

Progressive guarantees a 14-day claims handling process, but a small percentage of users in Jerry’s survey reported complaints with Progressive’s claims process. 
GEICO is typically better for young drivers, seniors, and new drivers, while Progressive is often better for drivers with violations or poor credit. However, all car insurance quotes are unique, and the only way to find the best insurance company for your profile is to compare quotes. 
Yes. Progressive scored 4.2 out of 5.0 overall in Jerry’s survey of over 5,000 real Progressive customers. 
Progressive offers some of the cheapest auto insurance rates of any major provider thanks to generous discounts and a rating process that puts less emphasis on driving violations. 
Like all car insurance companies, Progressive sometimes raises car insurance rates at renewal. If you have a 6-month policy with Progressive, your rates could go up at your renewal date. 

Read all Progressive Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.