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Progressive car insurance review

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Enjoy customizable packages, comprehensive tools and loads of discounts.

finder.com’s rating: 4.0 / 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.


Roadside assistance

New car protection

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, phone
New car protection Yes
Accident forgiveness 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
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount No
Usage-based discount Yes
Other discounts
Rideshare coverage Yes
SR-22 coverage Yes
Temporary & short term coverage No

Expert review

Roslyn McKenna

Review by

As an insurance publisher for finder.com, Roslyn McKenna is driven to help people get a great deal on car insurance so they can enjoy the ride. Roslyn has put her Bachelor of Arts in Writing and Communications to good use by covering topics ranging from finance to insurance.

Expert review

Progressive is a strong company for customers looking to save money on their premiums. Though its customer service is only average, Progressive offers many discounts that are easy to earn, especially if you’re comfortable conducting business online.

Though Progressive was initially designed for high-risk drivers, it now offers policies suitable for almost everyone. Its rates are competitive and coverage is broader than many competitors, and its website makes getting coverage easy. Its vibrant website is easy to navigate, offering easy access to coverage information and totally transparent pricing. Many people choose Progressive for its low rates and selection of policy options.

Progressive car insurance rates

According to the company’s 2018 survey, the average driver saves $668 when switching to Progressive. An independent analysis found that drivers can save $648 a year, while one reviewer claimed to save $480 a year by enrolling in Progressive’s Snapshot program. Taking advantage of their Snapshot device can help you save the most.

Want to name your own price? After entering your location to find your state’s minimum coverage levels, enter the price you’re comfortable paying. Progressive’s tool displays the levels of coverage and deductibles available on your budget. You can raise and lower coverage and deductibles until you reach your budget.

Sample monthly rates for Progressive auto insurance policies

California New York Georgia
18 year old male $136 $442 $309
18 year old female $152 $413 $273
25 year old male $81 $52 $86
25 year old female $80 $70 $79
35 year old male $49 $63 $79
35 year old female $54 $84 $58
45 year old male $47 $191 $52
45 year old female $53 $74 $60
56 year old male $59 $89 $47
56 year old female $66 $97 $48

What coverage can I get with Progressive?

Progressive offers customizable packages that allow you to buy only what you need. You can get the standard coverage types like collision and comprehensive plus some nice perks like rideshare, custom equipment and pet coverage.

  • Liability. Protects you and other drivers if you cause an accident.
  • Collision. Pays for your car’s repairs if you’re in an at-fault accident.
  • Comprehensive. Pays for car repairs if your car is damaged by something other than an accident — for instance, fire or vandalism.
  • Underinsured motorist. Protects you if you’re in an accident caused by another driver with no or limited insurance.
  • Medical payments. Protects you and your passengers against post-accident medical care.
  • Personal injury protection. Pays for healthcare and related costs after an accident, such as income loss or ambulance rides.
  • Roadside assistance. Pays for towing and roadside help if your car breaks down for most any reason, including fuel delivery, lost key, breakdown or getting stuck.
  • Rental reimbursement. Pays for up to 30 days of a rental car while yours is repaired due to an accident.
  • Gap coverage. Pays for up to 25% over the actual cash value toward what you still owe on your car if it’s declared a total loss.
  • Pet injuries. Helps pay for vet bills if your cat or dog is hurt in a car accident. This rare perk is part of your collision coverage with no extra charge.
  • Rideshare. Progressive can cover you even if you drive for Uber or Lyft.
  • Custom parts and equipment replacement. Progressive will pay for the repair or replacement of custom car equipment, including paint, stereos, TVs, grills, spoilers and more.
  • SR-22. Progressive also offers SR-22 coverage for drivers who need it.
Ready to get insured?
Choose from a long list of discounts and coverage for almost any driver.

Need help? Talk to a customer specialist


What other perks can I get?

  • Accident forgiveness for small claims less than $500 or any claims for three years of being accident-free
  • Deductible reduction drops your deductible by $50 for every 6 months without claims
  • Guaranteed lifetime repairs for using any repair shop in the Progressive network

What discounts can I get from Progressive?

Aside from its unique Name Your Price program and Snapshot tool, Progressive also offers a long list of discounts you can stack to save 30% or more on your car insurance.

  • Multi-policy. Save 5% or more when you bundle auto insurance with another policy, such as home, RV or boat insurance.
  • Online quote. Save an average of 4% when you apply for a quote online.
  • E-sign. Save an average of 8.5% when you sign your policy documents online, and save even more if you go paperless for all your documents.
  • 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 12% 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.
  • Loyalty. Save based on how long you consistently maintained active car insurance with no gaps or cancellations, even if you were insured under someone else’s policy.
  • Automatic bill pay. Sign up for automatic monthly payments.
  • Paid in full. 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.
  • Snapshot. Snapshot is Progressive’s innovative pay-as-you-drive car insurance program, allowing drivers to save by sharing their driving habits with Progressive. Average annual savings are $145, according to Progressive.

Pros and cons of Progressive


  • Top-rated insurer. With more than 80 years of experience, Progressive is a big name in the industry and one of the most popular.
  • Easy online sign-up and claim reporting. Complete and e-sign necessary forms to sign up or make a claim online or on the app.
  • Multiple discounts available. Progressive has one of the largest lists of discounts available. And the best part? There’s no limit to how many discounts you can get.
  • Transparent quotes. From transparent pricing to a suite of comparison and quote tools, Progressive offers a number of ways to help customers get the best rates. Its unique comparison tool even lets you compare rates from its competitors.


  • Some customer complaints. According to online forums and message boards, this provider has slightly more customer complaints than the industry average. Progressive has a B- rating and over 2,000 complaints on BBB, though all but 4 complaints have been answered or resolved.
  • Six-month policies only. 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.

What do customers say: Positive reviews and complaints

According to the BBB website, Progressive holds a B- rating, but also has a massive list of customer complaints. Billing issues and denied claims are just a couple of the over 2,000 negative customer reviews.

For the past few years, J.D. Power has ranked Progressive to be “about average” across the board, with a three star rating in overall customer satisfaction. That’s not great, even compared to other national insurers.

But before you rule out Progressive for poor customer service remarks, remember that many customers don’t typically rate a product or service unless they had an exceptionally bad experience.

Case study: Julia’s experience

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Julia Cameron


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

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Dawn Daniels
Staff Associate Editor

The first time I used Snapshot, I was driving long distances several times a week, and hard brakes on 55 mph roads in deer territory are sometimes unavoidable. At the end of 6 months, my rates went up and I switched to another insurer.

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. This time around I was driving a lot less often, and I was more mindful of the device. At the end of another 6-month period, I got an email from Progressive that I would save $133 when I renewed.

Unfortunately, that was a little misleading, because I was also losing the Snapshot participation discount now that I had to send the device back. My policy actually cost $18 less this term — but that’s still a lot less than it would’ve cost if I’d never signed up for Snapshot.

Case study: Ryan’s experience

profile pic

Ryan Brinks

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?

How do I apply for Progressive car insurance?

You can apply online, by phone or finding an agent near you.


  1. Visit the Progressive website and enter your ZIP code to get started.
  2. Next, enter your personal info.
  3. Add your vehicle information, your driver information and any other drivers you wish to insure on your policy.
  4. 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.
  5. 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 1-800-776-4737.

Agent. You can locate an agent on Progressive’s website, then call or visit to get started.

How do I contact Progressive?

Visit the official Progressive website and navigate to the contact page for more details on how to contact this provider by:

  • Phone. Call 1-800-766-4737 5 am to midnight Monday through Friday 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

Progressive’s cancellation policy

How does Progressive compare to other companies?

How does Progressive compare to Geico?
Both insurers are known for low rates and coverage for almost any driver. As some of the biggest national providers, you’ll find a long list of discounts and coverage from both. Geico typically offers lower rates and offers a few nice perks for military members, while Progressive’s free pet coverage is great for pet owners and may have better deals for bundling.
Progressive vs Geico
How does Progressive compare to State Farm?
Two of the most popular car insurance companies, both Progressive and State Farm offer similar coverage options and benefits. State Farm offers slightly better financial stability and a larger network of agents. However, State Farm isn’t known for rates as low as Progressive, and your agent experience may vary.
Progressive vs State Farm
How does Progressive compare to Allstate?
Where Progressive is more accepting of drivers with spotty driving records or SR-22s, Allstate doesn’t typically cover high-risk drivers. However, if you have a luxury car or a newer car, Allstate’s new car discount and new car replacement perks might be worth higher rates. Plus Allstate gets slightly higher customer satisfaction ratings.
Progressive vs Allstate
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Find basic coverage and low rates through its easy online or app-based experience.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

Frequently asked questions about Progressive

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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  1. Default Gravatar
    December 6, 2018

    I need insurance quote for a 2003 Honda Civic 2 door

    • Avatarfinder Customer Care
      December 11, 2018

      Hi there, John,

      Thanks for getting in touch! To get an insurance quote for your 2003 Honda Civic 2 door, get in touch with Progressive Auto Insurance by going to their website and getting a quote online. You can also save an average of 7% when you apply for a quote online. Hope this was helpful. Don’t hesitate to message us back if you have more questions.


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