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Progressive Car Insurance Review

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Introduction

In our series of reviews on the best car insurance companies, here we cover Progressive. Progressive car insurance is one of the most forward-thinking car insurance companies in terms of discounts. It offers various alternatives for clients to save money on auto insurance. This includes the Snapshot program (which offers cheap car insurance premiums based on a driver's habits), accident forgiveness, and lower car insurance deductibles each year without a claim.

Drivers can get an online car insurance quotation from Progressive in minutes. We looked at things like policy alternatives, discounts, and client feedback.

Progressive, the country's third-largest auto insurance provider. Progressive has a long list of savings and coverage options, including rideshare insurance and coverage for pets harmed in car accidents.

Pros and Cons

PROS CONS
Best discounts Rates can be on the higher side
Snapshot app can save $130 Certain discounts and coverages are not available in some states.
Rideshare Insurance for Uber and Lyft drivers  

Unique Progressive Auto Insurance Features

Progressive does have several features that set them apart from other car insurance companies. It's important noticing what Progressive does differently.

Features What it means
Free insurance coverage for pets Covers your pet’s vet fees in case of an accident
"Name Your Price" tool Lets you look for insurance that is within your budget
Options for contact You can contact them via web chat, phone, email, Facebook Messenger or Google Home device

Progressive Auto Insurance Coverages

Gap insurance - Gap insurance, which covers the difference between your insurance payout and the amount of your loan or lease if you total your car, is not available from all insurers. This distinguishes Progressive from competitors, who have similar scores in other categories.

Progressive’s Rideshare Insurance - Customers who drive for Uber or Lyft must add ridesharing insurance to their personal auto coverage with Progressive. This rideshare insurance protects drivers in the event of an accident while waiting for a passenger while driving for Uber or Lyft.

Mechanical breakdown insurance - Mechanical breakdown insurance does not cover car towing, but you can add Roadside Assistance to your Progressive car insurance policy. A 5% discount is available when purchasing Mechanical Breakdown Insurance from Progressive.

Emergency road service - If your car stops running due to something other than an accident (such as a mechanical or electrical failure), you can use your Roadside Assistance coverage to aid with:

  • Towing: If your covered vehicle requires more than on-the-spot assistance, we can tow it anywhere within a 15-mile radius or to the next qualified repair facility if none is available within 15 miles. Keep in mind that any components or repairs made to your car will be your responsibility.
  • Winching service: Defined as an on-the-spot service in which we use a motor-powered cable or chain to pull your car out of a tight spot. If your car is stuck in mud, snow, water, or sand within 100 feet of a road or highway, we'll give this service.

Progressive provides emergency Roadside Assistance for your convenience. This coverage is available 24/7 if you purchased it with your policy—call 1-800-776-2778 at any time, and an agent will dispatch a roadside service professional straight away.

Progressive Small Accident Forgiveness - As a new Progressive client, you'll get this advantage when your coverage starts in most states. If your total claim is less than or equal to $500, Small Accident Forgiveness keeps your insurance rate the same.

Progressive Large Accident Forgiveness - Customers who stay with Progressive for at least five years and remain accident and violation-free for a minimum of three years are eligible for Large Accident Forgiveness. This is available in most states as part of the Loyalty Rewards program. If you're at fault in an accident, your premiums won't go up with Large Accident Forgiveness, even if the total claim exceeds $500.

Glass coverage - Customers with comprehensive insurance can get glass coverage from Progressive. Suppose your windshield is broken due to something other than an accident; in that case, Progressive customers can make a glass claim under their comprehensive policy. If a driver's windshield is damaged in a collision, they can file a claim with their collision insurance or the at-fault driver's liability coverage if they were at fault.

If the damage is modest, your windshield may be fixed rather than replaced. A typical rule of thumb is that a chip or crack smaller than a quarter or a dollar bill can be repaired on a windshield.

Progressive waives the comprehensive deductible for windshield repairs to encourage customers to drive safely. Several states also have special regulations regarding windshield repair and replacement deductibles.

Rental reimbursement - Progressive rental reimbursement covers the expense of a rental car after a covered cause, such as an accident, damages the policyholder's car. Progressive's rental car reimbursement insurance normally costs less than $10 per month, and drivers can buy a daily limit of up to $60 for 30 days.

This coverage does not apply to rental cars used while the car is serviced, and drivers usually need collision and comprehensive coverage to qualify.

Here's how Progressive works with rental reimbursement:

  • When you purchase a Progressive vehicle insurance policy, you can add rental reimbursement coverage that includes collision and comprehensive coverage.
  • Your rental reimbursement coverage kicks in when you submit a collision or comprehensive claim.
  • The rental car will be paid for upfront, and Progressive will reimburse you later.

In general, if you think you'll be in a car accident and need a rental car in the next several years, rental reimbursement coverage is a good idea. If you don't, even if the coverage is inexpensive, you won't get much out of it.

See what you could save on auto insurance

Progressive Auto Insurance Coverage Limits

According to our research, a Progressive driver with limited insurance coverage pays $1242 on average. A driver with medium coverage pays 8% higher than the rate for a driver with low coverage.

The average cost for high coverage is $1461, which is 18 percent higher than the rate paid by a driver with limited coverage. Progressive's rate for low-coverage drivers is 1% lower than the industry average.

Are you looking for medium-sized coverage? Progressive's rate is 1% higher than the industry average for these drivers. Progressive's rate for drivers with high coverage is 4% higher than the industry average.

The cost of transitioning from low to high coverage, according to our research, is not insignificant. When you consider the costs incurred if you are at fault in a car accident and have inadequate coverage, the increase in this premium may be worth it. The costs of accident-related injuries and losses can be staggering, and having a lot of coverage protects you financially in these situations.

Low Coverage: Liability limits set by the state.

Medium Coverage:

Amount of coverage Purpose of coverage
$50000/$100000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$50000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

High coverage:

Amount of coverage Purpose of coverage
$100000/$300000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$100000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

Progressive Auto Insurance Rates

The average Progressive Insurance rate is $1341. This puts it in the sixth position out of the top car insurance companies in the country. Our study's average rate for all nine companies is $1323. Progressive has a rate that is only 1% higher than this.

Even yet, the price differential between Progressive's rate and the least expensive insurance carriers in our survey is significant. According to our study, USAA has the lowest average rate, at $875. Progressive has a rate that is 52% more expensive than USAA.

The study also showed that Progressive had higher rates than Allstate, American Family, and Farmers, while State Farm, Travelers, The General, Nationwide, and USAA had lower rates. Keep in mind that your premium will be determined by various criteria, including the amount of coverage you choose, your age, where you reside, your driving record, and more.

For Progressive, male drivers aged between 25 - 60 pay a rate that is 46% more than car insurance for women aged between 25 - 60.

Progressive's rate for 25-year-old men is 5% higher than the industry average, while its rate for 25-year-old females is 8% higher than the industry average. Progressive's rate for 35-year-old males is 3% lower than the insurance industry average, Progressive is one of the more economical options on the market, even if some drivers find Allstate, Nationwide, and Travelers more cost-effectivewhile Progressive's rate for females in this age bracket is 4% higher. Car insurance for women is higher than men's, at $1311 and $1243, respectively, among 35-year-olds.

You can get free car insurance quotes for Progressive from their online website or from various insurance agents.

Progressive Car Insurance Rates by Age

  • Progressive Rates for Teen Drivers - Progressive cannot be considered the best car insurance for students. Like most auto insurance companies, Progressive charges the highest premiums to younger drivers.
  • Progressive Rates for Young Adults - Men under the age of 25 pay the highest rates, while rates for car insurance for women over 60 pay the lowest. The average premium for a 25-year-old male driver is 2% higher than a female driver of the same age.
Age Bracket and Gender Rates
<25 or 25-year-old female driver $1611
<25 or 25-year-old male driver $1641
  • Progressive Rates for Seniors - Progressive's senior car insurance is 5% lower than the industry average, while Progressive's rate for senior car insurance for women is 4% lower than the industry average. Male 60-year-old drivers pay a rate that is 2% higher than female 60-year-old drivers.
Age Bracket and Gender Rates
60-year-old female driver $1107
60-year-old male driver $1131

Progressive car insurance rates by coverage

Type of Drivers Progressive Insurance annual rates
Good Drivers $1341
Drivers with a speeding ticket $1770
Drivers who cause at-fault accidents $2247
Drivers with a DUI $1733
Drivers caught without Insurance $1797

Progressive Car Insurance for Good Drivers - According to our estimations, full coverage insurance with Progressive costs roughly $1341 per year for a good driver with a clean driving record.

The prices you pay for auto insurance are determined by many factors, so the Progressive rates you find may differ from the estimates above. Unless you live in California, Hawaii, Massachusetts, Michigan, or Washington, you'll pay a higher car insurance premium. Your insurance alternatives will be more expensive if you have a bad driving record or are a young driver.

Progressive Car Insurance for Drivers With a Speeding Ticket - Our research shows that drivers with a clean driving record pay the lowest rates of all Progressive customers, with an average of $1341. Drivers who receive one speeding ticket pay an average of $1770.

Progressive Car Insurance for Drivers Who Caused an Accident with Injury - Our research shows that Progressive penalizes drivers with a single accident or a speeding violation more severely than those with a DUI. The average rate for a driver involved in one accident is $2247, which is 29% higher than the rate for a DUI driver. Drivers who receive a speeding ticket pay an average of $1770, which is higher than the rate paid by a DUI driver.

Progressive Car Insurance for Drivers with a DUI - If you are looking for car insurance after DUI, Progressive might not be for you. A single DUI conviction raises the average premium to $1733.

Progressive Car Insurance for Drivers Caught Without Insurance - Car insurance companies don't appreciate it when their customers have gaps in their coverage. Progressive will charge you around $456 annually if you are caught driving without auto insurance.

Progressive Average Insurance Cost by State

We have divided the states into three categories based on the average cost of Progressive. They are: low-cost states, mid-cost states, and high-cost states

Low-cost states: The average car insurance rate of Progressive in these following states is $81 per month (conditions apply).

Low-cost states
California New Mexico
Idaho Ohio
Illinois Oklahoma
Indiana Tennessee
Iowa South Dakota
Maine Vermont
Montana Wisconsin
North Carolina Wyoming
North Dakota  

Reason for low-cost car insurance rates: Most of these states aren't on the coast, so they're less vulnerable to severe weather like hurricanes. As a result, there will be fewer claims for windshield damage and fewer weather-related auto repairs in general. Furthermore, compared to other jurisdictions, several of these states see fewer cars stolen each year, which translates to lower risk and, as a result, lower insurance premiums.

Medium-cost states: The average car insurance rate of Progressive in these states is $105 per month (conditions apply).

Medium-cost states
Alabama Nebraska
Arizona New Hampshire
Arkansas Oregon
Colorado Pennsylvania
Kansas Virginia
Minnesota Washington
Mississippi Texas
Missouri Utah

Reason for medium-cost car insurance rates: Some of these states are on the coast, raising the danger of severe weather damage. Furthermore, glass breakage from debris and rocks kicked up by vehicles may be more prevalent in arid and desert locations. Many of these states also have middle-of-the-road vehicle theft rates, which could contribute to the group's middle-of-the-road pricing average.

High-cost states: The average car insurance rate of Progressive in these states are $153 per month (conditions apply).

High-cost states
Connecticut Massachusetts
Delaware Michigan
District of Columbia Nevada
Florida New Jersey
Georgia New York
Kentucky Rhode Island
Louisiana South Carolina
Maryland West Virginia

Reason for high-cost car insurance rates: Car accidents are more common in states with a larger population density, such as New York. Furthermore, this group includes more coastal states, increasing the risk of flooding and hurricanes. Other states have more complicated coverage standards, leading to greater costs.

Progressive Auto Insurance Discounts

There's a strong chance you'll find a price break that applies to you among Progressive's many auto insurance discounts. Depending on your state, you may be eligible for discounts on:

  • Airbags, anti-lock brakes, daytime running lights, and an anti-theft system are all examples of safety equipment.
  • Having a three-year-old or newer car that is brand new.
  • Driving for five years and haven't had any incidents.
  • Seat belts are worn
  • For a young driver, completing a defensive driving course or driver's education.
  • If a member of your policy is a student aged 16 to 24, having good grades is a must.
  • Participating in a military emergency deployment with the United States of America.
  • Being a member of the National Guard or Reserves or an active or retired military service member.
  • Being a government employee, whether current or retired.
  • Progressive offers multiple vehicles car insurance discount
  • Purchasing a Progressive homeowners, renters, condo, or mobile home insurance policy.
  • Participating in organizations such as alumni associations or sports teams.

If you live in Connecticut, Illinois, Oregon, Pennsylvania, or Wisconsin, Progressive may be able to provide you with a discount if you use your phone to track your driving. The DriveEasy app tracks driving patterns such as speeding, harsh braking, and texting while driving. All drivers listed on your policy must participate for the price reduction to apply.

Get in touch with your insurance agent to get a complete picture of discounts offered by Progressive.

Progressive Customer Feedback and Satisfaction Report

Customers generally have good things to say about Progressive as they rate the company as one of the best car insurance companies. We went through online reviews from current and former policyholders to better understand Progressive's customer satisfaction. In general, Progressive has good customer satisfaction ratings. However, some Progressive consumers have expressed unhappiness with unanticipated premium increases and the lack of certain discounts in certain states.

We did, however, read favourable feedback from people who had positive experiences. Several policyholders praised Progressive's online experience and helpful internet tools.

Positive Progressive Insurance reviews mention customer service personnel who are understanding and fast to help. Others mention professional claims adjusters and a smooth claims process.

Our survey on Progressive car insurance looked at replies from 7359 car insurance customers who had recently settled disputes.

Way.com Summary

When it comes to the mobile experience, the feedback is overwhelmingly good. The Progressive app has a 3.5-star rating and a 4.1-star rating on Google Play in the App Store.

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About Progressive Car Insurance

From the time Progressive was established, they have steadily risen to become a leader in the car insurance industry. They provide regular auto insurance coverage and various optional add-ons for customers to choose from.

Progressive conducted its first public offering in 1971 to achieve a combined ratio of 96. (which means 4 cents profit on every premium dollar taken in). They began issuing motor home and commercial lines coverage in that year.

Did you know that Progressive established a new industry standard in 1990? Progressive revolutionized claims service by providing clients with fast response capability. They started providing 24/7 claims support to provide a quick, fair, compassionate, and personal response to claim reports.

In 2017 Progressive became the first car insurance company to offer a Google Home voice action. Progressive is the first large insurer to provide consumers the ability to quote a policy via Facebook Messenger, thanks to the Flo Chatbot. With HomeQuote Explorer, Progressive also debut its multi-home quotation platform.

Progressive is frequently rated as one of the most financially dependable insurers by third parties. Progressive's headquarters are in Mayfield Village, Ohio, with 20.4 million active insurance contracts.

A Brief History of Progressive

The Progressive Mutual Insurance Co. was founded in 1937 by Joseph Lewis and Jack Green to provide security and safety to car owners. Progressive Insurance began as a nonstandard insurance company, which led to the Safe Driver Plan in Ohio. Accident-free drivers were eligible for lower rates under this arrangement.

Progressive’s Charitable Causes

The Progressive Insurance Foundation helps communities by sponsoring causes and organizations important to Progressive employees. Employees can request a matching gift for whatever amount they donate to an eligible non-profit, ranging from $20 to $3000. The Foundation will match those donations dollar for dollar, up to a maximum of 100%. Matching gift donations are contingent on the number of requests and Progressive's annual profitability.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is Progressive a good insurance company?

Customers generally have good things to say about Progressive since they rate the company as one of the best car insurance companies. Progressive gets a 9.0 out of 10 from us, and we think it'll be a good choice for high-risk drivers in 2022.

Is Progressive car insurance cheap?

The average annual Progressive car insurance rate is $1341. This puts it in the sixth position out of the top car insurance companies in the country. Progressive has higher rates than Allstate, American Family, and Farmers, while State Farm, Travelers, The General, Nationwide, and USAA had lower rates. Bear in mind that your premium will be determined by various criteria, including the amount of coverage you choose, your age, where you reside, your driving record, and more.

How much is car insurance for Progressive?

The average annual Progressive car insurance rate is $1341. Remember that your premium will be determined by various criteria, including the amount of coverage you choose, your age, where you reside, your driving record, and more.

Does Progressive car insurance cover rental cars?

Progressive rental reimbursement covers the expense of a rental car after a covered cause, such as an accident, damages the policyholder's car. Progressive's rental car reimbursement insurance normally costs less than $10 per month. Drivers can buy a daily limit of up to $60 for 30 days.

How to cancel Progressive car insurance ?

To cancel Progressive car insurance coverage, contact a representative at 1-866-416-2003. Progressive Insurance cannot be cancelled online.

Progressive's cancellation costs have a mixed reputation among customers. Some customers were charged 10% of their outstanding premium, while others were asked to pay a flat fee ranging from $50 to $65. Many people claim they didn't pay any fees at all.

The amount you must pay to terminate Progressive Insurance coverage is determined by several criteria, including state legislation in your area, the length of your policy term, and how frequently you pay your premium.

Before you cancel, check your Progressive policy or call customer support to find out what fees (if any) you'll have to pay.

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