Progressive Car Insurance Review for Families, Policy Options & Ratings
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UPDATED: Aug 5, 2021
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Progressive is more than just funny advertisements featuring Flo.
As one of the biggest Property and Casualty insurance carriers in the US, they write auto and home insurance for cars, RVs, motorcycles, boats, and commercial vehicles.
Progressive Car Insurance Review
|Progressive Car Insurance Review - Key Takeaways|
-- Progressive is the third largest Property and Casualty (P&C) carrier in the United States in 2019, according to the National Association of Insurance Commissioners (NAIC).
-- Progressive can be an excellent choice for higher-risk drivers, those with a low credit score, or those with difficult-to-insure pasts.
-- Progressive is known for insuring motorcycles, a notoriously challenging group to insure.
-- Progressive writes auto insurance in all 50 states and offers many different discounts and incentives.
Progressive may not be the oldest auto insurance company in the states; however, they do boast longevity, as they were founded in 1937 in Ohio.
But even knowing these facts, you may be wondering if Progressive’s auto insurance is right for you or your family.
With so many auto insurance companies to pick from, how do you decide the right carrier for your specific needs?
Below are sample auto insurance quotes.
|Driver Age||Insurance Quotes||Deductible|
|21-Year-Old||$364 per month||$500|
|30-Year-Old||$183 per month||$500|
|45-Year-Old||$141 per month||$500|
Please see the methodology below. Your rates will vary when you get quotes.
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Who is Progressive Auto Insurance Right for?
Progressive is known for being an excellent auto insurer for higher-risk drivers.
If your driving record has a few tickets or at-fault accidents, or if you are part of a higher-risk demographic – such as a teen driver or poor credit score – Progressive may be the best choice.
They offer many different insurance products, so they can be the right choice for insuring many items and taking advantage of bundled savings.
For example, if you own a home and a vehicle and want to insure your boat, RV, or snowmobile, they can offer an insurance discount for multiple policies.
Since they write different insurance premiums, they can provide a wide range of solutions for various needs.
|Multiple insurance premiums & discounts available. Their mobile app offers a good user experience.||Pricing varies by purchasing method. Customer service rating is below average.|
|Offers rideshare insurance in 35 states plus Washington D.C.||Discounts not available in all states.|
|GAP & motorcycle insurance available.||Below average rating for car insurance shopping and customer satisfaction ratings from J.D. Power, A.M. Best, & WalletHub.|
Progressive Auto Insurance
There are many benefits of auto insurance through Progressive.
Let’s examine a few of their different car insurance coverage options and pricing.
|Progressive||$183 per month||$141 per month|
|State Farm||$188 per month||$139 per month|
|GEICO||$162 per month||$124 per month|
Please see the methodology below. Your rates will vary when you get quotes.
Progressive’s gap coverage can be a differentiator as not all competitors offer this.
Gap insurance covers the difference between your vehicle’s market value and what you owe on the lease or loan should the car be totaled.
This can be vitally important, especially if you buy a newer vehicle where depreciation occurs faster at first.
Gap insurance is around $5 per month to add to your auto policy from Progressive.
Custom Parts and Equipment
This optional add-on will cover the repairs or replace special custom parts and equipment installed in your vehicle, such as stereo equipment.
Progressive offers rideshare insurance in 35 states and DC.
This insurance coverage option protects you when driving for a transportation network company, such as Uber or Lyft. It is added to the coverage you may have from the transportation network company.
Often the auto coverage with Uber or Lyft covers you only when you have a passenger, not while in route to pick up or while waiting for the next passenger.
Progressive’s rideshare insurance picks up those gaps to ensure you are covered during the full rideshare.
Note that not many carriers offer this insurance coverage.
Progressive has recently begun offering their pay-per-mile insurance product, called Snapshot.
This usage-based product is currently available in 48 states.
If you do not drive very much, usage-based products can save you money when you pay only for the miles driven.
Progressive offers an additional endorsement to add roadside assistance to auto policies.
Many carriers offer this add-on coverage option, so it is important to understand what the carrier will cover under this product.
Progressive insurance has always had a robust roadside assistance product offering the following:
|Roadside Coverage Options|
|Flat tire change||Towing|
|Dead battery jumpstart||Fuel and/or fluids delivery|
Progressive’s Auto Insurance Discounts
Progressive insurance offers many different types of auto discounts and bundling options, including:
|Good student discount (requires "B" average or better)||Snapshot good driver program||Pay-in-full discount|
|Multi-policy discount||Distant student discount||Anti-theft device|
|Multi-car discount||Homeowner discount||Automatic payments discount|
|Continuous insurance discount||Military discount||Defensive driving course|
|Adding teen driver discount||Paperless service||Deductible savings bank*|
*The deductible savings bank is an opt-in program for policyholders with comprehensive and collision coverage. It reduces your deductible by $50 every six months you are claim-free.
Taking advantage of several of these discounts can maximize your savings.
The experts at AutoInsureSavings can help you find the benefits that apply to your specific situation.
Homeowners and Motorcycle Insurance
In addition to auto insurance, Progressive has solutions for motorists of different vehicle types, including motorcycles. This can be a tough group to insure as motorcycles carry different risks than cars.
They offer homeowners insurance, as well as products for people who rent instead of own.
If you own a condo, RV, or mobile home, they have solutions.
Progressive car insurance also covers you if you rent your home – or rooms in your home – through a short-term rental provider like Airbnb or VRBOThrough Progressive. This coverage option is offered by Slice and allows policyholders to register the dates they need coverage quickly online.
Name Your Price Tool
Progressive allows drivers to set their budget using their registered Name Your Price tool before searching for auto insurance policies.
This lets drivers find a policy that best fits their financial situation, eliminating wasted time on too-expensive policies.
Progressive offers auto financing through personal loans from $1,000 to $50,000.
They also provide a car shopping experience to help buyers find their next vehicle and sell or trade their current vehicle. This is offered through a partnership with TrueCar.
Many auto insurers institute various new technology forms, but Progressive is known for being a leader in this aspect.
They offer virtual assistance through Google Home or their own proprietary Flo Chatbot, which is an app that uses Facebook Messenger to communicate.
Other Specialty Insurance
If you need other types of specialty insurance, Progressive may be a great choice.
In addition to auto and home, they insure your fun toys like:
|Boat insurance||Segway insurance|
|Recreational vehicle insurance||Golf cart insurance|
|Motorcycle insurance||Classic car insurance|
|All-terrain vehicle insurance||Personal watercraft insurance|
|Snowmobile insurance||Umbrella insurance|
They also cover business needs with:
— Commercial auto insurance
— Business owners’ policies
— Workers’ compensation
— General and professional liability coverage
— Rental car coverage
They also offer a full line of personal insurance products:
|Personal insurance products|
|Pet insurance (includes pet injury coverage & veterinarian bills)||Dental & vision insurance|
|ID theft insurance||Travel insurance|
|Life insurance||Mobile phone insurance|
|Health insurance||Wedding and large event insurance|
Finally, Progressive has a full suite of property offerings in addition to homeowners, renters insurance, and rental car reimbursement:
|Property insurance offerings|
|Condo insurance||Home share insurance|
|Mobile home insurance||Home security insurance|
|Flood insurance||Home warranty product insurance|
Complaints, Customer Satisfaction, & Financial Strength
Customer service satisfaction and complaints vary depending on the survey tool. Progressive tends to do well with the Better Business Bureau ratings where they have an A+ rating.
However, they have 1.13 out of 5 stars in customer satisfaction ratings.
|Better Business Bureau (BBB)||A+|
|J.D. Power||4.1 / 5|
|NAIC Complaint Index*||1.33|
|WalletHub Customer Service Reviews**||2 / 5|
|NerdWallet Rating||4.5 / 5|
*Progressive received more complaints than other auto insurance providers of its size.
**WalletHub rating includes customer complaints.
J.D. Power survey results tell a different story, with Progressive ranked 16 out of 23 carriers in the 2019 Auto Claims Satisfaction Study.
This survey found it takes an average of 13 days to resolve auto claims once vehicle repairs begin, which is slightly higher than the national average.
Frequently Asked Questions (FAQs)
Why Should We Like Progressive Auto Insurance?
Progressive is a large car insurance carrier with an established reputation and strong financial backing. They offer many different insurance products and discounts. They tend to be a leader in technology adoption and innovation, driving customers’ savings and efficiencies.
Progressive is a good insurance provider for finding solutions for higher-risk drivers, such as those with a DWI or at-fault car accidents on their record. They also provide motorcycle insurance at competitive rates.
Finally, they offer many communication tools and coverage options, allowing policyholders to communicate in the way best suited for them. They often have competitive rates, as well.
How to Submit an Auto Insurance Claim with Progressive?
Submitting a claim is easy.
You can call them directly at their toll-free number: 888-671-4405, report the loss to your agent, use their mobile app, or go online to report the facts of the loss quickly.
Then you can submit any paperwork you may have, like a police report or information about the other driver.
Progressive has a strong digital and social media presence and can handle many aspects of your claim virtually.
If your vehicle damages are minor, you may be able to submit pictures of the damage for a virtual estimate.
Will my Claim With Progressive be Handled Quickly?
Claims are often a highly individualized experience, but other customers’ past experiences can be telling.
You may find the process is handled well in your case, but you can likely expect it to take about as long as it has for others.
J.D. Power found it takes 13 days from start to finish.
How Does Progressive Use Technology in the Insurance Process?
Progressive offers online reporting, chatbots, mobile apps, and data-driven telematics.
Because they have often been on the cutting edge of technology use in insurance, Progressive will likely continue to have new and exciting virtual offerings to help customers save money and time.
How Does Progressive’s Snapshot Program Work?
Snapshot is Progressive’s usage-based solution. It uses a smartphone app or an after-market device you install in your vehicle to monitor miles driven.
It can also prompt additional discounts based on your driving habits if you qualify.
Your driving data is valuable to car insurers, which use vast amounts of aggregated data to make rating decisions.
Carriers pay for this information through telematics discounts.
How to get a Progressive Insurance Quote?
You can get a quote by calling them, online quote, using their proprietary tool, or an independent agent. Their customer service team is available 24 hours a day, 7 days a week.
You can also use the comparison tool at AutoInsureSavings.org to see Progressive’s auto insurance rates compared side-by-side with other carriers.
How Many Cars Can I Have on my Progressive Car Insurance Policy?
You can have up to four cars on your policy.
If you need to insure more than four vehicles, you may require a different type of policy.
How Does Progressive Calculate my Insurance Rate?
They use many factors to calculate coverage, including your age, zip code, gender, marital status, driving history, and homeownership status.
Any tickets or at-fault accidents are added as a surcharge, and finally, any applicable discounts are subtracted, leaving the final rate.
How to Learn More
To learn more about Progressive Insurance, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.
|AutoInsureSavings.org collects quotes from the state’s largest car insurance companies for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good or safe driver discount.
AutoInsureSavings.org collects three to five quotes from each insurer via Quadrant Information Services.
In this instance, we retrieved Progressive auto insurance quotes from rate data.
Unless stated, our methodology’s operating vehicle is a 2018 Honda Accord with a paperless, safe driver, and anti-theft discounts. The full coverage policy included:
$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.
Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible.
AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison.
National Association of Insurance Commissioners (NAIC)