Progressive Auto Insurance Review 2024
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Progressive
Discounts
Ease of use
NAIC complaints
Progressive
Discounts
Ease of use
NAIC complaints
Key insights 💡
Progressive offers coverage types other insurers don't, plus plenty of discounts and a well-polished mobile app.
However, the company scored below average for overall satisfaction, according to a NerdWallet survey.
Progressive's average cost of full coverage is $2,074 per year, compared to the national annual average of $2,165, according to NerdWallet's November 2024 analysis.
Progressive earned 4.5 stars out of 5 for overall performance in our Progressive insurance review. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
The country’s second-largest auto insurance company, Progressive offers insurance for just about anything with a motor. Progressive offers a lengthy slate of discounts and a wide range of coverage, including rideshare insurance and coverage for pets injured in a car accident.
Why trust NerdWallet
Where Progressive stands out
Coverage. Progressive offers coverage types that some companies don’t, including rideshare and gap insurance. It includes free coverage to pay for veterinarian bills if a pet is injured in a crash. This coverage is available for customers who buy collision insurance in certain states only.
Accident forgiveness. Unlike many other insurers, Progressive offers small accident forgiveness automatically and a bigger benefit through its loyalty program. Initially, customers can be forgiven for accidents with claims that are $500 or less, and drivers who are with Progressive for five years or more with no accidents won’t get premium increases for larger claims. Customers are also able to purchase accident forgiveness and have more than one wreck forgiven. These programs are not available in all states.
Where Progressive falls short
Customer satisfaction. Progressive’s customer satisfaction rating is below average in J.D. Power's 2024 auto insurance claims satisfaction study. In a separate 2024 NerdWallet survey around overall customer satisfaction, Progressive scored below average when compared with other insurers surveyed.
Compare with other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 4.5 /5 |
Complaints to NAIC Close to expected | Complaints to NAIC Fewer than expected | Complaints to NAIC Close to expected |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
Discounts Great set of discounts | Discounts Average set of discounts | Discounts Great set of discounts |
Bottom line Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction. | Bottom line With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. | Bottom line With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance. |
How much does Progressive car insurance cost?
Progressive car insurance costs an average of $2,074 per year for full coverage, compared to the national average of $2,165. These rates are according to NerdWallet’s October 2024 analysis.
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $2,825 | $719 |
| American Family | $1,996 | $663 |
| Farmers | $3,730 | $1,213 |
| Geico | $1,967 | $485 |
| Nationwide | $2,602 | $864 |
| Progressive | $2,074 | $601 |
| State Farm | $2,205 | $498 |
| Travelers | $1,657 | $544 |
| USAA* | $1,397 | $370 |
*USAA is only available to military, veterans and their families.
These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Full coverage rates include liability, comprehensive, collision and additional insurance a state requires a driver to have. Your own price will depend on your driving history, car make and model, location and other factors.
For more information on Progressive car insurance rates, including rates after an at-fault accident or DUI, check out the table below.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
How Progressive's rates compare
Your car insurance rate is determined by a variety of factors including your driving record and credit history in most states.
» MORE: Why is my car insurance so high?
Here are Progressive’s average annual rates for different coverage types and driving histories compared to national averages, according to NerdWallet’s October 2024 analysis. Rates are for full coverage car insurance unless otherwise specified.
| Driver profile | Company average rate | National average rate |
|---|---|---|
| Minimum coverage | $601 | $596 |
| Full coverage | $2,074 | $2,165 |
| One speeding ticket, good credit | $2,616 | $2,724 |
| One at-fault crash, good credit | $2,962 | $3,195 |
| One DUI, good credit | $2,631 | $3,977 |
| Clean driving record, poor credit | $3,479 | $3,551 |
Progressive auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Depending on your state, you might be able to add these types of coverage to your policy:
Gap insurance. Under this coverage, Progressive pays up to 25% above the value of your car if it’s totaled to cover a loan or lease balance. You must purchase comprehensive and collision coverage to buy gap insurance from Progressive.
Custom parts and equipment value. Pays to fix or replace custom accessories you add to your car if they’re destroyed in a covered claim, up to $5,000.
Coverage for pet injuries. Included if you buy collision coverage, this pays veterinarian bills up to a certain amount if your pet is injured in a car accident.
Deductible savings bank. If you have comprehensive and collision coverage, you can pay to opt in to this program that reduces your deductibles by $50 every six months you’re claim-free, down to $0. This isn’t available in all states.
Rideshare insurance. This is available from Progressive in some states. Typical insurance from ridesharing companies covers only the period between accepting a ride and dropping off a customer. This add-on insurance expands your personal auto policy any time you have the app on, so you’re covered even between rides.
» MORE: Rideshare insurance for drivers
Progressive offers three types of accident forgiveness in most states, two of which are available without charge:
Small accident forgiveness. The company won’t raise your premium for claims up to $500. This perk is automatically added for customers in most states.
Large accident forgiveness. If you’ve been insured with Progressive for at least five years and accident-free for at least five, the company won’t raise your rate even for a large accident claim.
Progressive accident forgiveness. This is available for those who want to pay for an additional layer of coverage. You can purchase this benefit any time you buy or renew your policy, which forgives one accident per policy period. Any accident forgiveness benefits through the company’s loyalty rewards program (listed above) would apply first, so you could have more than one accident forgiven per policy period.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.» MORE: Compare car insurance rates
Auto insurance discounts
You may be able to earn a discount on your Progressive auto policy by:
Buying two or more policies with Progressive.
Insuring more than one vehicle on your policy.
Being continuously insured, even if it was with another company.
Adding a teen driver to your policy.
Adding a student who maintains good grades.
Having a student on your policy who lives more than 100 miles away and does not drive a car while at school.
Getting a car insurance quote online.
Signing your policy documents online.
Enrolling in paperless billing.
Paying your six-month policy upfront.
Setting up automatic payments from a checking account.
Owning a home.
» MORE: Get free car insurance quotes
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
Snapshot is a free opt-in program that collects information on your driving habits, including speed, how much you drive and when you drive. Progressive uses the data to adjust your insurance rates up or down next time you renew, and you get an automatic discount for signing up. Data is collected from a device you plug in to your vehicle or a mobile app.
Snapshot is not available in all states, and the automatic sign-up discount is not available to policyholders in Hawaii or New York.
Is Progressive car insurance good?
Progressive received an overall satisfaction score of 78 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2024. To put that in perspective, the average score among seven insurers was 79, and the highest was 81.
Complaints and customer satisfaction
Progressive had close to the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
J.D. Power study | Progressive ranking |
|---|---|
Auto insurance shopping (2024) | No. 9 out of 17 companies. |
Auto insurance claims satisfaction (2024) | No. 20 out of 21 companies. |
More about Progressive auto insurance
Website: Progressive’s website includes an insurance quote tool and a portal where customers can log on, pay bills and see claim status. Additional helpful features include:
The Name Your Price tool, which helps you find a policy to fit your budget. Keep in mind that a lower price will come with a trade-off in coverage.
A comparison feature that shows competitor rates alongside Progressive’s quote for the same policy options.
Mobile app: Progressive’s main smartphone app allows you to report and track claims, view policy information, get quotes for new policies and request roadside assistance.
Snapshot mobile app: When you sign up for Snapshot, this app displays information about your driving behavior, records details about your trips and provides custom tips to improve your driving.
Virtual assistance: If you have a Google Home device, you can use it to ask Progressive’s digital voice assistant a variety of insurance questions. Or you can use Facebook Messenger to get a quote from Progressive’s Flo Chatbot or ask an insurance-related question.
Homeowners, renters, life and pet insurance from Progressive
Progressive offers coverage for houses, garages, sheds and more through third-party insurers. To get more details about coverage options and discounts, see our Progressive homeowners insurance review.
Progressive sells renters insurance policies through affiliated and third-party companies. To learn more about this coverage, see our Progressive renters insurance review.
Progressive also sells term and permanent life insurance policies through a third party, eFinancial. You can start the quote process on Progressive’s site, but you’ll eventually be transferred.
Progressive offers pet insurance in partnership with Pets Best, providing lots of options for accident and illness coverage plans. Read more about that in our Progressive pet insurance review.
Other insurance from Progressive
You can buy many types of insurance through Progressive but may not always end up with a Progressive policy. Here are policies that come directly from the insurer, aside from car insurance:
All-terrain vehicle insurance.
Boat insurance.
Commercial auto insurance.
Compact tractor insurance.
Electric bike insurance.
Golf cart insurance.
Motorcycle insurance.
Personal watercraft insurance.
Recreational vehicle insurance.
Segway insurance.
Snowmobile insurance.
Umbrella insurance.
These are other types of insurance you can get from Progressive’s partners:
Business insurance.
Classic car insurance.
Condo insurance.
Mechanical breakdown insurance.
Dental and vision insurance.
Flood insurance.
Health insurance.
ID theft insurance.
Insurance for driving in Mexico.
Insurance for boating or using a watercraft in Mexico.
Mobile home insurance.
Phone and device insurance.
Travel insurance.
Wedding and event insurance.
Car insurance quick-start guide
Read more car insurance guides from NerdWallet to find the best car insurance for you.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
DIVE EVEN DEEPER IN INSURANCE
