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Progressive Car Insurance Review for 2022

Progressive’s average or higher-than-average rates and lower-than-average customer service and claims handling scores should give consumers pause before choosing this insurer. 

Progressive Pros & Cons

Pros:

  • Competitive rates for drivers with a DUI

Cons:

  • Above-average rates for many drivers
  • Low customer service and claims handling scores

Is Progressive Car Insurance Good?

Progressive ranks seventh out of the nine insurance providers in our survey, and many drivers may be able to find better coverage elsewhere.

We surveyed Progressive customers to learn more about their experiences. These consumers said that Progressive consistently underperforms in key customer satisfaction categories, including claims handling, customer service, and customer loyalty. These low marks prevented Progressive from moving to the top tier of our Best Car Insurance list.

On top of low scores in our survey, Progressive’s rates are often similar to or higher than the national average. That’s not always the case, however. Some drivers, like those with a DUI, may find Progressive’s rates are slightly more competitive. Others, particularly teen drivers, may find the opposite to be true.

Progressive Customer Service

Progressive ranks eighth for customer service, performing only slightly better than Travelers car insurance. Sixty-four percent of customers surveyed said they are completely satisfied with their customer service experience, while 18% said they are generally satisfied with their experience.

These scores don’t place Progressive directly at the bottom of the pack. Several companies in our survey have similar scores. However, some insurers do have significantly higher scores. For instance, 81% of USAA customers said they are completely satisfied with their customer service experience, while 71% of State Farm’s customers shared the same sentiment.

Progressive Claims Handling

Out of the nine companies we reviewed, Progressive ranks eighth for claims handling. Only 58% of customers in our survey said they were completely satisfied with the claims handling process, and 54% were satisfied with the communication they received during the claims process. Similarly, just 57% of Progressive customers say they are completely satisfied with how the claim was resolved.

Though these aren’t the lowest scores in our Best Insurer for Claims Handling subcategory, they are much lower than five of the other auto insurance companies we reviewed.

Company Customer Loyalty

Progressive’s below-average customer satisfaction likely contributes to the company’s eighth-place ranking in our customer loyalty category. While 60% of customers surveyed said they are likely or very likely to renew their Progressive auto insurance policy, nearly 24% said they are unlikely or very unlikely to do so.

Overall, Progressive customer loyalty scores are stronger than Nationwide, Farmers, Travelers, and Allstate, but they aren’t strong enough to move Progressive to the top half of our list.

Company Complaints

Progressive, like other auto insurance companies we reviewed, received some common customer complaints, including those that focused on customer service, claims resolution, and agent interactions. However, of the Progressive customer complaints we received, many specified issues with rate increases or rates that don’t reflect the customer’s driving record.

  • “Advertise accident forgiveness, don’t give it. Even after 10+ years of no claims.”
  • “Not the best value. They bring you in at a great rate and increase the policy year after year.”
  • “On renewal raised rate much above others”
  • “I was rear ended in this accident, through no fault of my own the insurance company raised my rates upon renewal.”

How Much Is Progressive Car Insurance?

Progressive’s average rates land this auto insurance company in sixth-place in our rates study. On average, drivers can expect to pay $1,334 a year, which is only a fraction more than the national average of $1,320. Progressive rates are also typically average or slightly above average for many of the driver demographic groups we studied, including young adults, seniors, and drivers with a speeding ticket or accident on their record.

There are some deviations to this trend, however. Progressive ranks fourth for drivers with a DUI on their record. Therefore, drivers in that category may find Progressive’s rates to be a bit more competitive.

Conversely, parents with teen drivers on their policy are unlikely to find the same competitive rates. Both male and female teen drivers can expect average rates that are more than 50% higher than the national average and significantly higher than top performers like State Farm and USAA.

Keep in mind that rates vary by person and can fluctuate based on several factors, including your zip code, driving record, coverage preferences, and age.

Progressive Car Insurance for You

Progressive Rates for Teen Drivers

 17-YEAR-OLD FEMALE17-YEAR-OLD MALE
Progressive$6,988$7,709
National Average$4,515$5,140

Progressive has the highest rates for both male and female teen drivers. They’re 50% to 55% higher than the national average and more than double the rates offered by USAA, State Farm, and Geico.

Progressive Rates for Young Adults

 25-YEAR-OLD FEMALE25-YEAR-OLD MALE
Progressive$1,605$1,635
National Average$1,487$1,554

For young adults, Progressive’s rates rank sixth out of nine among the insurers we reviewed. The company’s rates are less than 1% more than the national average, though drivers may find more competitive pricing with USAA or Geico.

Progressive Rates for Seniors

 60-YEAR-OLD FEMALE60-YEAR-OLD MALE
Progressive$1,101$1,126
National Average$1,149$1,183

Progressive’s rates for senior drivers are closely aligned with the national average, but this group of drivers may find cheaper coverage with companies like Geico, State Farm, Travelers, and USAA, all of which have below-average rates.

Progressive Rates for Drivers With Poor Credit

 AVERAGE RATE FOR GOOD CREDITAVERAGE RATE FOR FAIR CREDITAVERAGE RATE FOR POOR CREDIT
Progressive$1,324$1,650$2,299
National Average$1,310$1,569$2,227

Progressive’s rate for drivers with poor credit is only a fraction higher than the national average, earning this insurer a fifth-place ranking in our study. Drivers with poor credit may also want to consider USAA, Geico, Nationwide, and Travelers, all of which had below-average rates.

Progressive Rates for Good Drivers

 AVERAGE RATE FOR GOOD DRIVERS
Progressive$1,334
National Average$1,321

Progressive’s rates continue to stay on pace with the national average for drivers with a clean record. However, this auto insurer’s rates are still higher than five other companies we reviewed.

Progressive Rates After a Speeding Ticket

 AVERAGE RATE WITH A SPEEDING TICKET
Progressive$1,759
National Average$1,603

Progressive ranks seventh for drivers with a speeding ticket on their record. This auto insurance company’s rates are 10% more than the national average, and they’re not as competitive as the premiums from other insurers, like USAA or State Farm.

Progressive Rates After an Accident

 AVERAGE RATE WITH AN ACCIDENT
Progressive$2,237
National Average$1,872

Drivers with an accident on their record may find that Progressive’s rates are 16% more than the national average. They placed seventh in our study, claiming a spot ahead of Farmers and Allstate.

Progressive Rates After a DUI

 AVERAGE RATE WITH A DUI
Progressive$1,733
National Average$2,111

Progressive’s rates helped them climb to the top half of our list for drivers with a DUI on their record. Their rates are nearly 18% less than the national average and are somewhat competitive when compared to State Farm, USAA, and American Family.

How Much Is High Coverage Car Insurance With Progressive?

 AVERAGE RATE FOR HIGH COVERAGE
Progressive$1,452
National Average$1,396

Progressive’s rates for high coverage are only a fraction higher than the national average. However, this insurer still ranks sixth out of the nine companies we reviewed in our study.

How Much Is Minimum Coverage Car Insurance With Progressive?

 AVERAGE RATE FOR MINIMUM COVERAGE
Progressive$1,235
National Average$1,247

Drivers who want minimum coverage may find that Progressive’s rates are aligned with the national average. Progressive ranks fifth for their minimum coverage rates, trailing behind more competitive insurers like USAA, Geico, and State Farm.

Progressive Car Insurance Discounts

Progressive offers many of the most common auto insurance discounts, including multi-vehicle discounts, multi-policy discounts, and teen driver discounts. However, compared to other insurers in our study, Progressive’s collection of discounts is not as robust. For example, driver’s who want to take advantage of safety feature discounts, like those offered for anti-theft or anti-lock brake technology, may be disappointed.

Overall, approximately 38% of Progressive customers who responded to our survey said they are completely satisfied with the available discounts. An additional 23% of respondents said they are generally satisfied. Compared to other insurers in our survey, these are some of the lowest discount satisfactions scores.

If you’re considering Progressive auto insurance, it’s a good idea to discuss discount availability and eligibility with an agent. Doing so can help you get a more accurate rates quote and determine if Progressive has the best car insurance rates for you. Keep in mind that discounts may vary based on a variety of factors, including your location, driving record, and the number of vehicles you plan to insure.

  • Bundling/Multi-policy discount: Available to drivers who have two or more Progressive policies.
  • Snapshot/Safe driver discount: Discount for drivers who enroll in the Progressive Snapshot program.
  • Multi-car discount: Available to drivers who insure two or more vehicles.
  • Online Quote discount: Available to drivers who get an online quote before purchasing their policy.
  • Paperless discount: Discount for choosing to receive documents via email.
  • Sign Online discount: Available to drivers who sign their policy documentation online.
  • Good Student discount: Discount for full-time student drivers who maintain a B average or better.
  • Distant Student discount: Available to policyholders who have a student driver (22 years old or younger) who attend school 100 or more miles away but do not have their vehicle.
  • Homeowner discount: Discount for being a homeowner, even if the home is insured by another company.
  • Teen Driver discount: Available to policyholders that add a teen driver onto their account.
  • Continuous Insurance discount: Discount for drivers who switch to Progressive but were with their prior insurer for a specific period.
  • Automatic Payment discount: Available to policyholders who sign up for automatic payments.
  • Pay in Full discount: Discount for paying policy premium in full.

What Types of Car Insurance Does Progressive Offer?

Progressive offers all the most common types of car insurance, including comprehensive, collision, and liability insurance that meets the minimum requirements set by each state. Drivers can also choose to purchase additional policies or add-ons, like uninsured/underinsured coverage and medical payment coverage.

  • Liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Uninsured/underinsured insurance coverage
  • Medical payments insurance
  • Loan/lease payoff
  • Rental car reimbursement
  • Custom parts and equipment (CPE) value coverage
  • Rideshare coverage

Other Services Offered by Progressive

  • Website for consumers and existing customers
  • Mobile app 
  • Online claims filing 
  • Membership portal for policy management, ID cards, etc. 
  • SnapShot, a usage-based safe-driving app
  • Free online rates quotes
  • Name Your Price tool, which helps consumers find coverage within their budget
  • Roadside assistance
  • Deductible savings bank, which reduces some policy premiums for claim-free periods. 
  • Compare auto rates tool, which allows consumers to compare Progressive rates to rates from other companies.

Other Insurance From Progressive

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Boat insurance
  • Classic car insurance
  • Golf car insurance
  • Motorcycle insurance
  • Personal watercraft insurance
  • RV/Trailer insurance
  • Segway insurance
  • Snowmobile insurance
  • Business insurance
  • Dental insurance
  • Health insurance
  • Travel insurance
  • Pet insurance
  • Umbrella insurance
  • Vision insurance
  • Wedding and event insurance
  • ID theft insurance
  • Electronic device insurance
  • Mexico auto insurance
  • Home warranties
  • Mobile home insurance
  • Flood insurance

FAQ

Where do I buy Progressive car insurance?

You can purchase Progressive auto insurance online, over the phone, or through an in-person appointment with a local agent. 

How does Progressive compare to other car insurance companies?

Progressive ranks sevenths out of the nine car insurance companies reviewed. Their rates are often higher than average, and they underperform in several categories, including customer service, claims handling, and customer loyalty.

Who should get Progressive car insurance?

Progressive’s rates are typically average or above average when compared to the other insurers included in our study. However, some drivers may find Progressive’s rates to be somewhat competitive. This is particularly true for drivers who have a DUI on their record, as Progressive rates are lower than average for this group.

How do I contact Progressive?

  • Website: www.Progressive.com 
  • Mailing address: 6300 Wilson Mills Road, Box W33, Mayfield Village, OH 44183
  • Customer service phone number: 1-888-441-0724
  • Customer service email address: www.Progressive.com/contact-us/
  • Twitter: @Progressive

How We Created This Progressive Car Insurance Review

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings.

We surveyed 4,806 consumers who filed a car insurance claim or started a new auto insurance policy in the last five years, asking questions about their car insurance company. Of the survey respondents, 177 filed a claim with Progressive, and 316 started a policy with Progressive. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. In general, questions for consumers who have filed a claim were given more weight than questions for consumers who have only opened a policy. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies Rankings, as well as our sub-rankings: Best Car Insurance Companies – Customer Service, Best Car Insurance Companies – Claims Handling, and Best Car Insurance Companies – Customer Loyalty, and this company profile.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 25, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes.

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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