Progressive Auto Insurance Review 2024 - NerdWallet (2024)

Progressive earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

The country’s second-largest auto insurance company, Progressive offers insurance for just about anything with a motor. Progressive offers a lengthy slate of discounts and a wide range of coverage, including rideshare insurance and coverage for pets injured in a car accident.

Where Progressive stands out

Coverage. Progressive offers coverage types that some companies don’t, including rideshare and gap insurance. It includes free coverage to pay for veterinarian bills if a pet is injured in a crash. This coverage is available for customers who buy collision insurance only.

Accident forgiveness. Unlike many other insurers, Progressive offers small accident forgiveness automatically and a bigger benefit through its loyalty program. Initially, customers can be forgiven for accidents with claims that are $500 or less, and drivers who are with Progressive for five years or more with no accidents won’t get premium increases for larger claims. Customers are also able to purchase accident forgiveness and have more than one wreck forgiven.

Complaints. Compared with similar-sized insurers, Progressive has close to the expected number of complaints.

Where Progressive falls short

Customer satisfaction. According to J.D. Power’s customer satisfaction studies, Progressive was rated below average for auto insurance shopping and auto insurance claims. In a separate 2023 NerdWallet survey around overall customer satisfaction, Progressive scored below average when compared with other insurers surveyed.

Compare with other insurers

How much does Progressive car insurance cost?

Progressive car insurance costs $2,112 per year on average for full coverage insurance. That rate is more than $100 a year higher than the average national annual rate of $1,982.

These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and additional insurance a state requires a driver to have. These rates are averages, and your price will depend on your driving history, car make and model, location and other factors.

For more information on Progressive car insurance rates, including rates after an at-fault accident or DUI, check out the drop-down below.

How Progressive's rates compare

Your car insurance rate is determined by a variety of factors including your driving record and credit history in most states.

Here are Progressive’s average annual auto insurance rates compared with 2024 national averages for full coverage insurance and four driving profiles:

Progressive auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Depending on your state, you might be able to add these types of coverage to your policy:

Gap insurance: Under this coverage, Progressive pays up to 25% above the value of your car if it’s totaled to cover a loan or lease balance. You must purchase comprehensive and collision coverage to buy gap insurance from Progressive.

Custom parts and equipment value pays to fix or replace custom accessories you add to your car if they’re destroyed in a covered claim, up to $5,000.

Coverage for pet injuries: Included if you buy collision coverage, this pays veterinarian bills up to a certain amount if your pet is injured in a car accident.

Deductible savings bank: If you have comprehensive and collision coverage, you can pay to opt in to this program that reduces your deductibles by $50 every six months you’re claim-free, down to $0. This isn’t available in all states.

Rideshare insurance is available from Progressive in some states. Typical insurance from ridesharing companies covers only the period between accepting a ride and dropping off a customer. This add-on insurance expands your personal auto policy any time you have the app on, so you’re covered even between rides.

Progressive offers three types of accident forgiveness, and two of them are available without charge:

Small accident forgiveness: The company won’t raise your premium for claims up to $500. This perk is automatically added for customers in most states.

Large accident forgiveness: If you’ve been insured with Progressive for at least five years and accident-free for at least five, the company won’t raise your rate even for a large accident claim.

Progressive accident forgiveness is also available for those who want to pay for an additional layer of coverage. You can purchase this benefit any time you buy or renew your policy, which forgives one accident per policy period. Any accident forgiveness benefits through the company’s loyalty rewards program (listed above) would apply first, so you could have more than one accident forgiven per policy period.

Auto insurance discounts

You may be able to earn a discount on your Progressive auto policy by:

Pricing based on tracked driving habits

Snapshot is a free opt-in program that collects information on your driving habits, including speed, how much you drive and when you drive. Progressive uses the data to adjust your insurance rates up or down next time you renew, and you get an automatic discount for signing up. Data is collected from a device you plug in to your vehicle or a mobile app.

Snapshot is not available in all states, and the automatic sign-up discount is not available to policyholders in Hawaii or New York.

Complaints and customer satisfaction

Progressive hadclose to the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

Progressivereceived an overall satisfaction score of 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

More about Progressive auto insurance

Website: Progressive’s website includes an insurance quote tool and a portal where customers can log on, pay bills and see claim status. Additional helpful features include:

Mobile app: Progressive’s main smartphone app allows you to report and track claims, view policy information, get quotes for new policies and request roadside assistance.

Snapshot mobile app: When you sign up for Snapshot, this app displays information about your driving behavior, records details about your trips and provides custom tips to improve your driving.

Virtual assistance: If you have a Google Home device, you can use it to ask Progressive’s digital voice assistant a variety of insurance questions. Or you can use Facebook Messenger to get a quote from Progressive’s Flo Chatbot or ask an insurance-related question.

Life, homeowners and renters insurance from Progressive

Progressive offers coverage for houses, garages, sheds and more through third-party insurers. To get more details about coverage options and discounts, see our Progressive homeowners insurance review.

Progressive sells renters insurance policies through affiliated and third-party companies. To learn more about this coverage, see our Progressive renters insurance review.

Progressive also sells term and permanent life insurance policies through a third party, eFinancial. You can start the quote process on Progressive’s site, but you’ll eventually be transferred.

Other insurance from Progressive

You can buy many types of insurance through Progressive but may not always end up with a Progressive policy. Here are policies that come directly from the insurer, aside from car insurance:

These are other types of insurance you can get from Progressive’s partners:

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsem*nt of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

2024 auto insurance survey methodology

The opt-in survey of 7,514 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2023. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.

Only brands with 100 or more qualifying respondents are reported. Of those respondents: 301 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 140 were USAA customers, 125 were AAA customers, 105 were Liberty Mutual customers, 103 were American Family customers, 104 were Farmers customers, 104 were Travelers customers and 104 were Nationwide customers.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

-$100,000 bodily injury liability coverage per person.

-$300,000 bodily injury liability coverage per crash.

-$50,000 property damage liability coverage per crash.

-$100,000 uninsured motorist bodily injury coverage per person.

-$300,000 uninsured motorist bodily injury coverage per crash.

-Collision coverage with $1,000 deductible.

-Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

-We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

-For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

-For drivers with a DUI, we added a single drunken-driving violation.

We used a 2021 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.