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Progressive car insurance review 2021

Transparent pricing & plenty of coverage options but service is just plain average'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.


Roadside assistance

New car protection

Accident forgiveness


States served All 50 states & DC
Roadside assistance Optional
Accident forgiveness Yes
New car protection No
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
  • Transparent quoting
  • Free pet injury protection with collision coverage
  • Higher than average number of discounts


  • High number of customer complaints
  • Average customer satisfaction rating
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

Review by

Roslyn McKenna is an insurance expert who'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 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.

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

Progressive car insurance rates

According to the company’s surveys, the average driver saves $668 when switching to Progressive insurance. 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

Get a Progressive car insurance quote in minutes

You can apply online, by phone or by finding an agent near you. You can use Progressive’s name your price tool to find a policy within your budget. 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?

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.

  • 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 payments. 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 goes to school over 100 miles from home without a car. Applies to students under age 22.
  • Bundling. Bundle auto and home insurance to save an average of 15%, or bundle car plus RV or boat insurance for 5% off.
  • Claim free. Save an average of 31% if you have a clean driving record with no tickets or accidents in the past three years.
  • 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. Save an average of 10% 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, antilock brakes or daytime running lights.
  • 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 discounts your premium if you brake and accelerate smoothly, avoid late-night driving and drive less than average. The average annual Snapshot savings is $145, and you typically get a $47 discount at signup.

How Progressive Snapshot works

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.

  • The device beeps when you brake too hard — the app doesn’t
  • The app uses GPS to track your speed
  • The app penalizes you for using your phone while you drive
  • You need to drive at least 300 miles per month to use the app
  • If someone else is driving, sign in to the app and change the trip type or you could be penalized for their mistakes

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 auto insurance rate applies automatically, rather than at renewal.

What add-ons and perks can I get with Progressive?

These perks and optional coverage add value to your policy by offering wide coverage or helping you save money in the long run.

  • 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. You must be a Progressive customer for five years to qualify.
  • No claims bonus, also called the deductible savings bank, drops your deductible by $50 for every six months without claims.
  • Glass repairs. Get your windshield repaired with a $0 deductible if the crack is less than six inches long and doesn’t need replacement. Your eligibility also varies by state.
  • Guaranteed lifetime repairs for using any repair shop in the Progressive network.
  • Price comparison tool. Progressive stays transparent about its rates by letting you compare prices with other companies right from its quote tool.
  • 24/7 online chat. Ask questions in the chat 24/7 and get automated answers, or call customer service any time of the day at 888-671-4405.

Progressive car insurance reviews and complaints

Progressive holds an A+ rating with the Better Business Bureau (BBB), as of April 2021. 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. 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) 2020 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 over 2,900 BBB customer complaints, with complaints 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 1.4 out of 5 Trustpilot score.

AM Best financial ratingA+
BBB accreditedNo
BBB ratingA+
Trustpilot score1.4/5 out of 109 customer reviews
Customer reviews verified as of28 June 2021

Our star ratings for Progressive, explained's rating: 4 / 5


Finder’s car insurance experts rated Progressive with 4 out of 5 stars because of its solid A+ financial rating from A.M. Best, showing that it has ample ability to pay claims. We also like their wide list of car insurance coverage, including options like custom equipment and rideshare coverage that not every company offers. Plus, Progressive offers low rates for many, rewarding safe drivers for going claim-free or using telematics.

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

profile picb

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.bundling

Compare Progressive to alternatives

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.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

Compare up to 4 providers

What car insurance coverage can I get with Progressive?

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.

  • Collision. When you’re found at fault for an accident, collision pays for your car’s repairs. Plus, Progressive includes free pet injury protection with this coverage.
  • 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.

Find a Progressive agent near me

Progressive has local agents in all 50 states, plus Washington DC. You can locate one of Progressive’s 38,000 agents on its website. Get started with a quote.

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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