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

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.

Pros

  • Number one in the market
  • Local agents
  • Wide coverage, including travel interruption and ridesharing

Cons

  • Nearly 1,500 BBB complaints filed
  • Possibility for upselling products
  • Higher rates than many providers

USAA

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.

Pros

  • Wide membership benefits
  • Dividend policies
  • Payment flexibility
  • Cheap storage policies for active military

Cons

  • Online-only claims
  • Limited to the military and their families
  • Uses third parties for other insurance products

Amica

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.

Pros

  • Highly rated customer service
  • Wide coverage and benefits
  • Safe driving rewards
  • Dividend policies

Cons

  • High rates
  • Mixed customer reviews
  • Not available in Hawaii

Geico

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.

Pros

  • Low rates
  • Steep safety discounts
  • Customized payment schedule
  • Helpful add-ons

Cons

  • Online-focused service
  • Limited local agents
  • Poor customer reviews

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:

Provider Average annual rate
Progressive $1,724
Geico $1,391
USAA $1,399
Esurance $1,478
21st Century $1,701
Kemper $1,723

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):

Provider Safe driver discount Usage-based discount
Progressive Up to 31% Yes
Esurance Up to 40% No
Geico Up to 25% Yes
AAA Up to 20% No
American Family Up to 10% No
Direct Auto Up to 10% No
Allstate Yes Yes
Farm Bureau Mutual Yes Yes
Liberty Mutual Yes Yes
Metromile No Yes
Mile Auto No Yes
Nationwide Yes Yes
Titan Yes Yes
USAA Yes Yes

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
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

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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