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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Progressive Car Insurance Review (2024)

Updated on:
Content was accurate at the time of publication.

Progressive is a good company if you’re taking advantage of their discounts. However, average rates without discounts are expensive, and the company gets twice as many complaints than average.

Find the Cheapest Car Insurance Quotes in Your Area

Pros

  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, in case you move

Cons

  Expensive rates for most drivers

  Poor customer service

 

Progressive may be a good option for you if you qualify for some of their diverse discounts. However, Progressive also has relatively expensive rates, and its average customer satisfaction scores are worse than average.

Progressive’s customer satisfaction ratings from a J.D. Power 2023 study were poor in much of the country.

J.D. Power’s ratings are based on survey responses to questions about its billing process, policy information, claims, interactions, policy offerings and cost.

Meanwhile, a National Association of Insurance Commissioners (NAIC) report found Progressive received roughly twice the number of complaints compared to the average.

On the other hand, Progressive is currently seen as financially secure, with an A.M. Best rating of A+, so it can be relied on to pay out future claims.

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.

CompanyFull 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 recordTicketAccidentDUI
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.

CompanyFull coverage for a 30-year-oldFull 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.

StateFull coverageLiability 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
IdahoNANA
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
MinnesotaNANA
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
WyomingNANA

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.

Progressive also offers a few unique discounts. For example, 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.

Progressive also offers several other car insurance discounts:

  • Multi-policy
  • Continuous insurance
  • Teen driver
  • Good student (average savings of 10%)
  • Distant student
  • Homeowner
  • Multi-car (average savings of 12%)
  • Online quote (average savings of 7%)
  • Sign online (average savings of 9%)
  • Paperless
  • Pay in full
  • Automatic payment

In addition to standard coverage, like liability and collision, Progressive offers some great optional coverage.

  • Loan/lease payoff: If your leased or loaned car is totaled or stolen, Progressive may cover the cost difference between the amount you owe and the worth of the car, up to 25% of the value of the car before it was stolen or totaled.
  • Rental car reimbursement: If you’re in an accident, Progressive may pay for your rental car, up to your limits.
  • Roadside assistance: With this coverage, Progressive can help you get back on the road or have your car towed if your car stops running.
  • Custom parts and equipment value (CPE) coverage: This coverage will cover custom parts and equipment that you added to the car, up to a limit. This includes stereos and custom wheels.
  • Rideshare coverage: If you drive your car for a ridesharing company such as Uber or Lyft, Progressive can protect you while you’re on the app and waiting for a rider or delivery request.

 

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:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible