Who has better car insurance than Progressive? | finder.com

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Who has better car insurance coverage than Progressive?

Drive away with value car insurance coverage that suits you best.

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This company shows confidence and customer care with transparent rates and coverage tools, to help you find the policy that’s right for you. Plus, you can get add-ons and safe driving rewards that you won’t see matched with every provider. Although Progressive stays a top choice for many, consider all your options for wide coverage and low rates.

Pros and cons of Progressive

Pros

  • High transparency. To show customer needs come first, progressive lets you compare coverage and rates from its own website.
  • Wide coverage options. All the basics, plus coverage for custom parts, pet injuries and SR-22 drivers.
  • Steep safe driver discount. Safe drivers could ride with a 31% lighter premium than riskier drivers.
  • Top market pick. The company lands in the top three of the largest car insurers in the market, making it a top choice for customers.

Cons

  • Priced higher than competitors. If budget is a main concern for you, it’s not the cheapest option.
  • Six-month terms come standard. These short terms don’t lock in your rates like an annual policy.
  • Many customer complaints. Progressive has over 2,000 complaints filed with the Better Business Bureau (BBB), while its a high number the insurer has taken care of these complaints..

Providers with wide coverage like Progressive

State Farm

4.5 / 5 ★★★★★

Like Progressive, State Farm holds the top spot for the most market share and premiums written, a testament to its experience. However, the company may have higher insurance rates and has many complaints despite its push for personalized customer service.
  • Number one in the market
  • Local agents
  • Wide coverage, including travel interruption and ridesharing
  • Nearly 1,500 BBB complaints filed
  • Possibility for upselling products
  • Higher rates than many providers
Available statesAll 50 states
Roadside assistanceOptional
Payment schedule12 months, 6 months, Monthly
New car protection
Claims methodOnline, Phone
Accident forgivenessYes

USAA

5 / 5 ★★★★★

Much the same as Progressive, this company also has helpful coverage, wide membership benefits that rival AAA and flexible payments. But USAA also niches its customer base to members of the military and their families, a possible win for customized service but a downside for many drivers.
  • Wide membership benefits
  • Dividend policies
  • Payment flexibility
  • Cheap storage policies for active military
  • Online-only claims
  • Limited to the military and their families
  • Uses third parties for other insurance products
Available statesAll 50 states
Roadside assistanceOptional
Payment schedule12 months, 6 months, custom
New car protection
Claims methodOnline, Phone
Accident forgivenessYes

Amica

4.5 / 5 ★★★★★

Comparable to Progressive, this provider lands top Finder ratings for its customer service and wide coverage, including high-risk driver coverage and a platinum package that includes full glass and identity theft protection, plus high limits for rental cars. While Amica doesn't make the cheapest car insurers list, it could be a solid pick if you're looking for better customer service than Progressive.
  • Highly rated customer service
  • Wide coverage and benefits
  • Safe driving rewards
  • Dividend policies
  • High rates
  • Mixed customer reviews
  • Not available in Hawaii
Available statesAlabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistanceOptional
Payment schedule6 months, monthly
New car protection
Claims methodonline, email, phone
Accident forgivenessYes

Geico

4 / 5 ★★★★★

Much like Progressive, this company has a famous reputation for cheap car insurance rates, and it even follows up those low rates with more discount opportunities. Yet Geico does hold a whopping 3,000 customer complaints filed with the BBB.
  • Low rates
  • Steep safety discounts
  • Customized payment schedule
  • Helpful add-ons
  • Online-focused service
  • Limited local agents
  • Poor customer reviews
Available statesAll 50 states
Roadside assistanceOptional
Payment schedule12 months, 6 months, custom
New car protection
Claims methodOnline, Phone, Agent
Accident forgivenessYes

Who has cheaper insurance than Progressive?

Progressive has middle-of-the-road rates compared to other providers, though some customers can find the cheapest rates from Progressive. If you’re looking for the best value for coverage, look at these cheaper options:

ProviderAverage monthly rate
Progressive$143.66
Geico$115.91
USAA$116.58
Esurance$123.16
21st Century$141.75
Kemper$143.58

Progressive ranks at the top, but consider other top providers on the list who have the standout features you’re looking for. Providers who write the most premiums:

    • State Farm: $41.8 billion
    • Geico: $29.6 billion
    • Progressive: $22.8 billion
    • Allstate: $21.4 billion
    • USAA: $13.2 billion

Which providers also have steep safe driver discounts?

Nearly every provider on the market offers discounts or rewards for safe drivers, but they’re not all as competitive as Progressive. Keep in mind that your savings will vary based on your specific driving record.

Providers with the best-known discounts (some providers don’t specify):

ProviderSafe driver discountUsage-based discount
ProgressiveUp to 31%Yes
EsuranceUp to 40%No
GeicoUp to 25%Yes
AAAUp to 20%No
American FamilyUp to 10%No
Direct AutoUp to 10%No
AllstateYesYes
Farm Bureau MutualYesYes
Liberty MutualYesYes
MetromileNoYes
Mile AutoNoYes
NationwideYesYes
TitanYesYes
USAAYesYes

Compare car insurance like Progressive

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Bottom line

Drawn to Progressive’s transparent pricing and wide coverage? The company leads the pack as a top customer choice, but there are other provider choices to consider with similar coverage and unique features.

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