Customizable packages, comprehensive tools and multiple discounts.
finder.com’s rating: 3.0 / 5.0
- Get a quote if you like discounts and online claims.
- Pick something else if top-tier customer support is your highest priority.
- Frugal drivers can bundle their insurance policies for big savings.
|States served||All 50 states|
|Pay schedule||12 months, 6 months|
|Claims methods||online, phone|
|New car protection||Yes|
- Top-rated insurer with 80 years of experience
- Easy online sign-up and reporting
- Multiple discounts available
- Transparent quoting
- Some customer complaints
- Six-month policies standard
|Anti-theft device discount||Yes|
|Defensive driving discount||Yes|
|Good student discount||Yes|
|Safety device discount||Yes|
|Special employment discount||No|
|Temporary & short term coverage||No|
Progressive car insurance quotes
|18 year old male||$1,631||$5,309||$3,710|
|18 year old female||$1,824||$4,952||$3,275|
|25 year old male||$965||$3,565||$1,036|
|25 year old female||$965||$3,664||$952|
|35 year old male||$589||$2,363||$658|
|35 year old female||$645||$2,981||$692|
|45 year old male||$565||$2,297||$628|
|45 year old female||$639||$3,291||$720|
|56 year old male||$713||$2,152||$564|
|56 year old female||$792||$2,364||$561|
Where is Progressive available?
Progressive is available in all 50 states.
Who is Progressive car insurance best for?
Though Progressive was initially designed for high-risk drivers, it now offers policies suitable for almost everyone. Its rates are competitive, coverage is comprehensive and its website makes getting coverage easy. Many people choose Progressive for its low rates and selection of policy options.
Progressive is best known for its catchy commercials and Name Your Price tool. Its vibrant website is easy to navigate, offering easy access to coverage information and totally transparent pricing. The company also offers a complete Concierge service that handles your claims from start to finish.
What car insurance coverage does Progressive offer?
Progressive offers customizable packages that allow you to buy only what you need.
- Bodily insurance and property damage liability. Protects you and other drivers if you cause an accident.
- Uninsured or underinsured bodily injury. Protects you if you’re in an accident caused by another driver with no or limited insurance.
- Medical payments. Protects you against post-accident medical care.
- Collision. Pays for car repairs if you’re in an accident.
- Comprehensive. Pays for car repairs if your car is damaged by something other than an accident — for instance, fire or vandalism.
- Uninsured motorist property damage. Pays for car repairs if you’re in an accident caused by an uninsured driver.
- Roadside assistance. Pays for towing and roadside help if your car breaks down for most any reason.
- Rental reimbursement. Pays for up to 30 days of a rental car while yours is repaired due to an accident.
- Loan or lease payoff. Also called gap insurance, pays for up to 25% over the actual cash value toward what you still owe on your car if it’s ever declared a total loss.
- Pet injuries. Helps pay for vet bills if your cat or dog is hurt in a car accident.
- Custom parts and equipment replacement. Progressive will pay for the repair or replacement of custom paint, stereos, TVs, phones, grills, spoilers and more.
- SR-22. Progressive also offers SR-22 coverage for those who have been mandated by their state.
Discounts on Progressive car insurance
Aside from its unique Name Your Price program and Snapshot tool, Progressive offers an assortment of discounts that allow it to undercut its competition:
- Multi-policy. Save 5% or more when you bundle your auto insurance policy with another one of Progressive’s coverage options.
- Snapshot. Save money by using the Snapshot program to share your driving habits with Progressive.
- Online quote. Save an average of 7% when you apply for a quote online.
- Safe driver. Save an average of 31% if you have a clean driving record with no violations within the past three years.
- Multi-vehicle. Save an average of 10% when you insure more than one vehicle under the same policy.
- Homeowner. Save money on auto insurance if you own a home or condo, even if it’s not insured with Progressive.
- Continuous insurance. Save money based on how long you have consistently maintained active car insurance with no gaps or cancellations, even if you were insured by someone else
- E-sign. Save an average of 7% when you sign your policy documents online.
- Automatic bill pay. Save money when you sign up for automatic monthly payments.
- Paid in full. Save money when you pay for your policy in a single, lump-sum payment.
- Good student. Get better rates if a student on your policy maintains a “B” average or better.
- Away at school. Get a discount if a student on your policy lives at school over 100 miles from home.
- Teen driver. Get a discount when you add a driver under the age of 18 to your policy.
- Name Your Price. Use Progressive’s popular tool to find a policy that suits your budget.
Does Progressive offer any special programs?
Yes. Keep an eye out for these programs to fully take advantage of your policy’s offerings:
- Snapshot. Snapshot is Progressive’s innovative pay-as-you-drive car insurance program, allowing drivers to save by sharing their driving habits with Progressive.
- Mobile app. Progressive offers a great mobile app that allows you to manage your policy, view ID cards, file claims, and more.
- Progressive service centers. Progressive has a network of service centers that offer a concierge service. Simply bring your vehicle into one of the 60 locations and Progressive will handle your claim and set you up with a rental vehicle while your vehicle is repaired. As an added bonus, repairs at these locations are guaranteed for life.
- PerkShare. PerkShare is coupon book that allows Progressive customers to get discounts from an extensive network of affiliates.
- Flo Chatbot. Flo, Progressive’s famous spokesperson, was recently given a chatbot. Using Facebook messenger, you can speak with Flo to get answers about Progressive auto insurance or even start a quote.
- Accident forgiveness. Progressive offers an accident forgiveness program that prohibits your rates from increasing after your first at-fault accident.
- Loyalty Rewards Program. All customers are automatically enrolled in this program, which provides discounts and rewards based on a number of factors.
- Comparison tool. Progressive offers a tool that encourages customers to compare rates with other providers before deciding on an auto insurance policy.
- Coverage Checker. Available before you purchase coverage, this tool analyzes your quote to highlight areas where you might have too little or too much coverage.
Pros and cons of Progressive auto insurance
- Top-rated insurer. Nearing 80 years of experience, Progressive is a big name in the industry.
- Easy online sign-up and claim reporting. Complete and e-sign necessary forms to register or report an accident online.
- Multiple discounts available. You can shave money off your coverage by starting your quote online, bundling your coverage, maintaining a safe driving record, signing your documents online, paying in full and more. And the best part? There’s no limit to how many discounts you can get on your policy.
- Transparency. From transparent pricing to a suite of comparison and quote tools, Progressive offers a number of ways to help customers get the best rates.
- Some customer complaints. According to various forums and message boards, this provider has slightly more customer complaints than the industry average.
- Six-month policies standard. While this isn’t necessarily a problem, many drivers prefer having their rate locked in for a 12-month policy as opposed to Progressive’s standard 6-month terms. You might be able to get a 12-month policy under certain circumstances, like if your state requires it to be an option.
Progressive car insurance customer reviews
According to the BBB website, Progressive is not officially accredited, despite being one of the larger insurers in the country. It holds an A- rating, but also has a massive list of customer complaints. Billing issues and denied claims are just a couple of the nearly 2,000 negative customer reviews.
In 2016, J.D. Power found Progressive to be “about average” across the board. They received their lowest marks in the Southwest region.
But before you rule out Progressive for poor customer service remarks, remember that customer ratings and reviews don’t always tell the whole story. They can give insight into what it’s like to deal with a company as a customer, but many customers don’t typically rate a product or service unless they had an exceptionally bad experience.
Case study: Julia’s experience
Unlike some reviewers, my experience with Progressive’s customer service has been great. Speaking with a representative on the phone not too long ago saved me a ton of money. She helped me bundle all of our policies together when we purchased a new car. We already had two cars insured with Progressive and needed to insure a third.
Which leads me to a tip about bundling: Just because you have multiple cars insured with Progressive doesn’t mean your policies are bundled. I didn’t realize we had two separate policies for each of our cars. When I called to get insurance on the third one, the representative brought this to my attention. When all was said and done, I ended up with a lower monthly premium on all three cars than I had with just the two cars on separate policies.
Case study: Dawn’s experience with Progressive Snapshot
Staff Associate Editor
I’ll try almost anything to knock the cost of my insurance premiums down, so the participation discount for trying Snapshot lured me in. Unfortunately, my first attempt with the device didn’t go well. I’m a bit of a nervous driver, and the device’s beeping every time it thought I was braking too hard put me on edge. At the end of six months, my rates went up and I switched to a different company.
But when I got a new car and moved to the city, Progressive offered the cheapest rates by far, so I switched back. The participation discount for using the Snapshot device once again lured me in. I’m hoping that using the app to track how I’m doing will help me figure out where I’m being penalized and how I can improve. And if that doesn’t work, I’ll enjoy the participation discount for now and switch again when my term is up.
Case study: Ryan’s experience
Banking and Investment Publisher
Progressive has insured my vehicles for more than a decade. And even though I’ve received quotes from other companies every few years, it’s always the most affordable option. Progressive’s flexibility and discounts were key to getting me as a customer in the first place, and they’ve only improved since. I was able to bundle my home and auto insurance even though my home is covered by another insurer. And a few years into my policy, I knocked off a chunk of my premium through Progressive’s Snapshot analysis of my driving habits.
Fortunately, the only claim I’ve had to make was a windshield replacement with a $0 deductible. And now my loyalty benefits offer both small and large accident forgiveness. I’ve also used roadside assistance on occasion.
How does the Progressive app work?
Can you really 'Name Your Price'?
Kind of. After entering your location to find your state’s minimum coverage levels, you then enter the price you’re comfortable paying. Progressive’s tool displays the levels of coverage and deductibles available on your budget.
Raising your monthly payment typically means a lower deductible when the time comes for repairs. However, what you save on a month to month basis may come back to haunt you come deductible time.
Car insurance rates are based on so many variables that it’s impossible to see if you’re getting a good deal until you’ve compared prices with other companies.
How to apply for auto insurance coverage with Progressive
Progressive is a leader in online auto insurance, as it was the first provider to allow customers to purchase coverage online. Its bright website empowers customers to learn more about auto insurance before comparing providers and purchasing coverage. Here’s how you can get started:
- Visit the Progressive website and enter enter your ZIP code to get started.
- Next, enter your personal info.
- Add your vehicle information, your driver information and any other drivers you wish to insure on your policy.
- Decide whether you’d like to add Snapshot to your policy or try the Name Your Price or Coverage Checker tool, then review and select your policy options.
- Review final details and enter your payment information if you’re satisfied. Sign your documents online and pay for your policy, and just like that, you’re covered.
Phone. If you’d rather get coverage by phone, you can speak with an agent by calling 1-877-776-4266.
Agent. If online and phone applications aren’t your thing, feel free to apply with an agent. You can locate an agent on Progressive’s website, then call them or visit to get started.
How to file a car insurance claim with Progressive
Filing an auto insurance claim with Progressive is easy. You can file by phone, online, or even in person at one of the 60 Progressive service centers.
- Visit the Progressive website, click on the “Claims” tab, then “Claims overview.”
- Scroll down, then click “Report a claim.”
- Log into your account, then fill out each of the required fields.
- Once your claim is filed, an agent will reach out within two business days. You can track progress by logging into your account.
You can also report a claim by phone. Simply call 1-800-776-4737. The agent will ask you some initial questions and begin resolving your claim immediately.
Living up to its commitment to innovation, Progressive allows you to file a claim at one of its 60 service centers. Locate your nearest service center, then bring your vehicle in. An agent will handle the entire claims process and give you an estimate, all before setting you up with a rental car.
What info do I need to file a claim?
- Incident details (What happened, date, location, etc.)
- Vehicle information for all parties
- Driver information for all parties
- Insurance information for all parties (Policy number, insurer, etc.)
- Contact information for all parties
How to contact Progressive
Similar to everything else that Progressive does, getting in touch with a representative is easy. Visit the official Progressive website and navigate to the contact page for more details on how to contact this provider by:
- Phone. Call 855-347-3939 for general support.
- Email. Visit Progressive’s contact page to send an email through its contact form.
- Social media. Find @Progressive on Facebook and Twitter.
- Live chat. Log in to your account at Progressive’s website to use live chat Monday to Friday from 5 a.m. to midnight ET.
- Mail. Send mail to The Progressive Corporation, 6300 Wilson Mills Rd, Mayfield Village, Ohio 44143
Compare Progressive to other providers
Progressive is a strong company for customers looking to save money on their premiums. It offers many discounts that are easy to earn, especially if you’re comfortable conducting business online. Compare your options to find a car insurance provider that meets your needs.
Frequently asked questions about Progressive
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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