Updated on: July 18, 2024
Written by: Hira Tanweer Edited by: Emilia Benton and Michael Kitchen
LendingTree score: 3.8 out of 5
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company. For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
Progressive is a good company if you’re taking advantage of their discounts. Progressive is also currently seen as financially secure, with an A.M. Best rating of A+, so it can be relied on to pay out future claims. However, average rates without discounts are expensive, and the company gets twice as many complaints than average.
Offers a wide variety of discounts that many drivers can qualify for
Can save $793, on average, if you bundle your home and car policies
Snapshot program helps good drivers save up to $231/year
Especially cheap rates if you have a DUI conviction or live in New York
Good online experience
Available in all 50 states
Expensive rates for most drivers
Poor customer service
Progressive car insurance policies cost, on average, $2,032 per year for full coverage. That puts Progressive rates close to the nationwide average rate of $1,976.
| Company | Full coverage |
|---|---|
| Progressive | $2,032 |
 USAA | $1,203 |
 Erie | $1,270 |
 State Farm | $1,487 |
 Country Financial | $1,600 |
 Travelers | $1,919 |
 American Family | $1,920 |
 Farm Bureau | $1,931 |
 Geico | $1,937 |
 Nationwide | $2,226 |
 Amica | $2,548 |
 Allstate | $2,609 |
 Farmers | $3,091 |
 AAA | $3,835 |
If you’ve been at fault in an accident, or you have a traffic ticket on your record, Progressive’s rates are often higher than most companies.
However, if you have a driving under the influence (DUI) conviction, Progressive actually offers cheaper rates than average, at $2,547 per year.
| Clean record | Ticket | Accident | DUI | |
|---|---|---|---|---|
| Progressive | $2,032 | $2,606 | $3,026 | $2,547 |
| USAA | $1,203 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
If you’re a teen driver, Progressive is one of the more expensive car insurance companies. Progressive’s average rate for teens is $8,495 a year, far above the $5,300 industry average for insuring an 18-year-old driver.
| Company | Full coverage for a 30-year-old | Full coverage for an 18-year-old |
|---|---|---|
| Progressive | $2,032 | $8,495 |
| USAA | $1,203 | $2,847 |
| Erie | $1,270 | $3,086 |
| State Farm | $1,487 | $4,128 |
| Country Financial | $1,600 | $2,226 |
| Travelers | $1,919 | $5,758 |
| American Family | $1,920 | $5,413 |
| Farm Bureau | $1,931 | $4,451 |
| Geico | $1,937 | $5,048 |
| Nationwide | $2,226 | $7,743 |
| Amica | $2,548 | $9,052 |
| Allstate | $2,609 | $7,668 |
| Farmers | $3,091 | $9,354 |
| AAA | $3,835 | $9,111 |
Progressive has the cheapest full-coverage rates in New York and North Carolina among the largest car insurance companies. Progressive also has the cheapest minimum-coverage quotes in New York.
| State | Full coverage | Liability only |
|---|---|---|
| Alabama | $1,829 | $517 |
| Alaska | $1,975 | $1,041 |
| Arizona | $2,110 | $998 |
| Arkansas | $2,412 | $606 |
| California | $1,609 | $463 |
| Colorado | $2,020 | $776 |
| Connecticut | $3,756 | $1,360 |
| Delaware | $2,543 | $1,473 |
| Florida | $3,560 | $1,540 |
| Georgia | $2,383 | $838 |
| Hawaii | $2,004 | $905 |
| Idaho | NA | NA |
| Illinois | $2,246 | $765 |
| Indiana | $1,898 | $516 |
| Iowa | $1,955 | $405 |
| Kansas | $2,157 | $543 |
| Kentucky | $2,603 | $1,153 |
| Louisiana | $2,711 | $828 |
| Maine | $1,296 | $771 |
| Maryland | $2,312 | $1,235 |
| Massachusetts | $1,756 | $927 |
| Michigan | $3,040 | $1,206 |
| Minnesota | NA | NA |
| Mississippi | $1,675 | $460 |
| Missouri | $2,005 | $474 |
| Montana | $2,402 | $637 |
| Nebraska | $1,501 | $347 |
| Nevada | $2,259 | $978 |
| New Hampshire | $1,162 | $675 |
| New Jersey | $1,881 | $1,349 |
| New Mexico | $1,558 | $566 |
| New York | $1,124 | $627 |
| North Carolina | $727 | $377 |
| North Dakota | $1,701 | $400 |
| Ohio | $1,483 | $685 |
| Oklahoma | $1,774 | $343 |
| Oregon | $1,802 | $813 |
| Pennsylvania | $2,571 | $773 |
| Rhode Island | $2,658 | $1,186 |
| South Carolina | $2,205 | $750 |
| South Dakota | $2,351 | $371 |
| Tennessee | $1,554 | $418 |
| Texas | $2,674 | $1,010 |
| Utah | $1,553 | $816 |
| Vermont | $1,188 | $417 |
| Virginia | $1,790 | $1,031 |
| Washington | $1,869 | $849 |
| Washington, D.C. | $2,192 | $1,238 |
| West Virginia | $1,899 | $1,096 |
| Wisconsin | $1,796 | $428 |
| Wyoming | NA | NA |
No data available for Progressive in a few states
Minimum-coverage, also known as liability coverage, covers injuries for other drivers and their passengers if you caused an accident.
Full-coverage policies cover liability coverage, as well as protection for your car if it’s damaged.
Progressive offers great insurance discounts if you bundle your home and car policies, with savings up to $793.
If you’re also a good driver, you can take advantage of the Progressive Snapshot program. If you’re enrolled in the Snapshot program, your car insurance rate can go up or down based on your driving habits. Driving less and not using your phone while driving can lower your car insurance rate. The average savings for drivers enrolled in this program is $231.
In addition to standard coverage, like liability and collision, Progressive offers some great optional coverage.
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.
Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.
For full coverage policies, coverage limits include:
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.