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finder.com's rating: 4 / 5
Bottom line: You’ll find wide coverage options for new cars, ridesharing and more, plus low rates for many drivers with steep discounts. But Progressive’s customer service is average.
|States served||All states except CA MA ME NJ NY WA|
|New car protection||No|
|Pay schedule||12 months, 6 months|
|Claims methods||online, phone|
High number of customer complaints
Average customer satisfaction rating
|Anti-theft device discount||Yes|
|Defensive driving discount||Yes|
|Good student discount||Yes|
|Safety device discount||Yes|
|Special employment discount||No|
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Progressive offers a long list of discounts and perks that add value to your policy. Those include its over 30% claim-free discount, free accident forgiveness and $145 or more in yearly savings with its Snapshot driving app if you drive safely.
Also, Progressive’s transparent pricing lets you compare quotes from other companies right on its website, a feature typically provided by brokers. And you can name your price before buying to find coverage that’s in your budget.
However, customers and rating sites rank Progressive about average for customer service, and it’s not known for strong claims satisfaction.
If you’re a fan of cheap rates and perks, getting a quote from Progressive is worth your while. But if service is the #1 factor for you, consider getting quotes from other companies who score higher on customer satisfaction, like USAA or Amica.
finder.com's rating: 4 / 5
|Category||Our rating||Why we gave this score|
|It goes beyond coverage offered by competitors with options for accident forgiveness, rideshare insurance, and more.|
|It offers a variety of discounts on par with other insurance companies, such as discounts for an antitheft system or bundling policies.|
|It gets high J.D. Power and Better Business Bureau ratings, but an average number of complaints reported to the National Association of Insurance Commissioners (NAIC).|
|It receives an A+ financial rating from AM Best, showing that it has the finances to pay your claims.|
We pulled full-coverage car insurance rates using Progressive’s online quote tool for good drivers living in California with a clean driving record.
Apply online, by phone or by finding an agent near you. Use Progressive’s name your price tool to find a policy within your budget. The quickest and easiest way to apply is online.
Aside from its unique Name Your Price tool and Snapshot telematics discount, Progressive offers a long list of car insurance discounts that you can stack to save over 30% on your car insurance.
However, Progressive doesn’t advertise a military or low-mileage discount apart from its Snapshot telematics program.
Progressive Snapshot was one of the first telematics programs available by a major insurer, according to the Insurance Information Institute. Its experience serving customers makes it one of the more developed programs available.
The result? Thousands of customers give it high app ratings — 3.9 out of 5 stars on Google Play and 4.6 of 5 stars on the Apple store.
Also, Snapshot’s discount is substantial but common among other telematics programs. You start out with a 10% signup discount, but you have to wait a full six months before you can earn higher savings.
In some states, your premiums can go up if you don’t drive safely.
Snapshot also uses your data for verifying details of a claim or for research outside of setting rates. Read more about Snapshot and our take on the program to see if it’s right for you.
Progressive weighs your driving based on these key areas:
These perks and optional coverage add value to your policy by offering wide coverage or helping you save money in the long run.
Progressive isn’t accredited with the Better Business Bureau (BBB), as of November 2022. Progressive also ranked right around the industry average for most regions in J.D. Power’s 2020 auto insurance satisfaction survey — though it scored well below average for its claims satisfaction.
Progressive scores 1.09 stars out of 5. While low, its rankings pull ahead of other big names like Allstate and Liberty Mutual.
Progressive also scored a 0.89 on the National Association of Insurance Commissioners (NAIC) complaint index for private passenger cars. The industry standard is 1.00, and anything below this number shows that a company gets fewer complaints than normal for its business size.
However, the company also has almost 1,800 BBB customer complaints in the past year, many citing billing issues, a drawn-out claims process or denied claims. Reviews on Trustpilot tell a similar story with recent customers frustrated with the service during claims, leading to a 1.2 out of 5 Trustpilot score.
|AM Best financial rating||A+|
|BBB rating||Not rated|
|Trustpilot score||1.2/5 out of 359 customer reviews|
|Customer reviews verified as of||November 2022|
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.
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 six 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, and I was more mindful of the device. At the end of another six-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.
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.
After 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.
If you’re comparing the cheapest rates available, Geico is worth a quote for this reason and for its highly rated app, solid list of coverage and deep discounts. But if you’re wanting a mix of wide coverage and local service, State Farm is known for both as the largest US car insurance company with a huge network of local agents.
Speaking of customer service, give USAA a try if you want the highest-rated service, though you need to have served in the military or have a family connection to qualify. USAA consistently shows up as one of the cheapest car insurance companies available.
Since every company majors on different benefits, check out their coverage, free perks and customer service ratings, then select Get quotes to see your customized policy.
Progressive offers a comprehensive list of coverage to meet nearly any driver’s needs. You can get standard coverage like collision and comprehensive, plus less common add-ons like rideshare and custom equipment.
If you clock up enough miles, you’re going to run into car issues at some point. Progressive offers emergency roadside service as an add-on, which could save your road trip in an emergency.
Progressive’s roadside assistance covers the costs of towing and labor for up to one hour. If it takes longer to get your car running, you must pay the difference. The good news is the most common roadside repairs typically take an hour or less.
If your car breaks down or can’t be driven, Progressive will cover these costs:
Progressive has local agents in all 50 states, plus Washington DC. Locate one of Progressive’s 38,000 agents on its website. Get started with a quote.
★★★★★ — 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.
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