Progressive car insurance review: 2021 rates |
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Progressive car insurance review 2021

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Customize your policy, use online tools to compare coverage and look out for loads of discounts.'s rating: 4 / 5


Bottom line: Though Progressive’s customer service is only average, you’ll find wide coverage options for new cars, pets, ridesharing and more, plus some of the cheapest rates with big discounts.


Roadside assistance

New car protection

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, 6 months
Claims methods online, phone
Rideshare coverage Yes
SR-22 support 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 Yes
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount No
Usage-based discount Yes

Expert review

Roslyn McKenna

Review by

Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

Progressive offers an impressive 17 discounts, compared to the average of 10 offered by most companies. And many of those discounts are easy to earn, like signing up for autopay or paperless statements. You would be hardpressed to find better coverage options at these rates, since Progressive offers rare coverage like driving for rideshare and pet injury coverage for when your pets are riding in your car.

Progressive’s rates are usually some of the cheapest you can find. Its transparent pricing lets you compare your quote from Progressive to other companies right on the Progressive website, a convenient feature you won’t find outside a handful of brokers. The Snapshot telematics program bases your rate on your driving skills and mileage, and the safest drivers could save $600 a year.

However, customer support is just average, with many customer complaints around billing and claims. If customer service is the #1 factor for you, consider getting quotes from other companies who score higher on customer satisfaction, like USAA or Amica.

How to get a quote for Progressive car insurance

You can apply online, by phone or by finding an agent near you. The quickest and easiest way to apply is online.

  1. Click the button below to start the application form.
  2. Enter your ZIP code and personal info.
  3. Add your vehicle information and driver information.
  4. Choose your coverage and budget.
  5. Review final details and enter your payment information.
  6. Sign your documents online and pay for your policy.

What discounts can I get from Progressive?

Progressive offers one of the longest lists of car insurance discounts available, including its high 30% continuous insurance and safe driver discounts. However, Progressive doesn’t advertise a military or low-mileage discount apart from its Snapshot telematics program.

  • Advance quote. Get up to 15% off for getting a quote before your policy starts, with the highest discount for 30 days ahead of time.
  • Automatic bill pay. Sign up for automatic monthly payments by credit or debit card, or EFT.
  • Away at school. Get a discount if a student on your policy lives at school over 100 miles from home.
  • Bundling. Bundle auto and home insurance to save an average of 15%, or bundle car plus RV or boat insurance for 5% off.
  • Continuous insurance. Save based on how long you maintain active car insurance with any insurer.
  • Education. If you have a college degree, you might receive a small discount.
  • Good student. Get better rates if a student on your policy maintains a B average or better.
  • Homeowner. Save on auto insurance if you own a home or condo, no matter who insures it.
  • Multiple cars. Save an average of 12% when you insure multiple vehicles on the same policy.
  • Online quote. Save an average of 4% when you apply for a quote online.
  • Online application. Save an average of 8.5% when you sign your policy application online.
  • Paperless. Save on paper and your premiums by getting your documents electronically.
  • Paid in full. Pay for your six-month policy in a single, lump-sum payment.
  • Safe car. Save if your car comes with safety features like blind spot warning.
  • Safe driver. Save an average of 31% if you have a clean driving record with no tickets or accidents in the past three years.
  • Teen driver. Get a discount when you add a driver under the age of 18 to your policy.
  • Telematics. Snapshot is Progressive’s pay-as-you-drive car insurance program that lets you save for your safe driving.

How does Progressive Snapshot work?

Progressive Snapshot is a usage-based or telematics car insurance program, which means you get a discount for driving safely. Snapshot tracks how fast you go, how smoothly you brake, your mileage, the time of day and whether you’re texting or calling.

To track your driving, you can use the app or a device that plugs into your car. Your rate is based on your test drive, which can last up to 75 days. After that, your rate is set again at your renewal six months after driving with Snapshot.

However, Progressive has temporarily reduced the test drive to 30 days until July 31, 2021, to help drivers during the pandemic. Your reduced car insurance rate applies automatically, rather than at renewal.

How much can I save?

The average annual Snapshot savings is $145, and you typically get a $47 discount at signup, according to Progressive. Drivers who brake and accelerate smoothly, avoid late-night driving and drive less save the most. However, most telematics policies promise savings of $500 or more.

What car insurance coverage can I get with Progressive?

Progressive offers customizable coverage packages that let you buy only what you need. Choose full coverage and liability, plus less common perks like rideshare, custom equipment or pet coverage.

  • Collision. When you’re found at fault for an accident, collision pays for your car’s repairs.
  • Comprehensive. Pays for car repairs if your car is damaged by something other than a car crash, like fire or vandalism.
  • Custom equipment. Pays to repair or replace custom car equipment, including paint, stereos, TVs, grills and spoilers.
  • Liability. Covers damage to the other driver if you cause an accident.
  • Medical payments. Helps cover you and your passengers’ medical bills after a car accident.
  • Personal injury protection. Pays for healthcare and related costs after an accident, such as income loss or ambulance rides.
  • Gap coverage. Pays up to 25% more than your car’s actual cash value toward your car loan if your car is declared a total loss.
  • Pet injuries. Pays for vet bills if your dog or cat is hurt in an accident, a rare perk that’s included free with collision coverage.
  • Rental car reimbursement. Pays for a rental car for up to 30 days while yours is getting repaired from an accident.
  • Rideshare. Progressive can cover you even if you drive for Uber or Lyft.
  • Roadside assistance. Pays for towing, roadside help, fuel delivery, lost keys or breakdowns.
  • SR-22. Progressive offers SR-22 coverage for drivers who need help filing this form.
  • Underinsured motorist. Protects you if you’re in an accident caused by another driver without enough insurance.

What other perks can I get with Progressive?

  • Accident forgiveness means your premium won’t go up for your first small claim less than $500 or large claims after being three years accident-free.
  • No claims bonus drops your deductible by $50 for every six months without claims.
  • Guaranteed lifetime repairs for using any repair shop in the Progressive network.

Progressive car insurance reviews and complaints

Progressive holds an A+ rating with the Better Business Bureau (BBB). However, it also has over 2,749 customer complaints as of October 2020, with many complaints involving billing issues and denied claims.

In the past few years, J.D. Power has ranked Progressive “about average” overall, with a three-star rating in customer satisfaction. While low, the rating pulls ahead of other big names like Allstate and Liberty Mutual.

Progressive customer reviews

Progressive review: 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.

Progressive Snapshot review: Dawn’s experience

profile pic

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.

Progressive review: 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.

Compare Progressive to alternatives

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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
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.
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
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

Progressive car insurance rates

According to the company’s surveys, 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.

CaliforniaNew YorkGeorgia
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

How do I find a Progressive agent near me?

You can locate one of Progressive’s 38,000 agents on its website, then call or visit the agency to get started with a quote. To use the agent locator:

  1. Tap the link to Find an agent near you from the main website.
  2. Enter your ZIP code and choose the insurance product you’re looking for. Click Find an agent.
  3. Choose an agent located near you on the map. Or view agents by scrolling down the left sidebar.
  4. Tap on your preferred agency’s name for details.
  5. Write the address for an in-person visit or call the number provided.

How does Progressive bundling work?

Progressive will insure almost anything on wheels and more, helping you protect more areas of your life than other companies. Once your policy is active, you can manage those policies through one online account.

As an example of savings, new home and auto customers save an average $1,000 on both policies, according to the website. You can bundle any two policies to receive a multipolicy discount.

Common products to bundle:

  • Boats
  • Personal watercrafts
  • Golf carts
  • Segways
  • Snowmobiles
  • Life
  • Identity theft
  • Health, dental or vision
  • Travel
  • Weddings or events
  • Pets

How does Progressive compare to other companies?

Progressive vs 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

Progressive vs 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

Progressive vs 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 or new car, Allstate’s new car discount and new car replacement perk might be worth higher rates. Plus, it has slightly higher customer ratings.
Progressive vs Allstate

Who has better insurance than Progressive?

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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