+120 more)
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive offers highly customizable car insurance policies and intuitive tech tools. It’s a great option for drivers who prefer to manage their own policies without having to call customer service.
Quotes available online
Simple claims process with guaranteed repairs
Many coverage options and discounts
Low claims satisfaction
Below-average customer satisfaction scores
Some discounts have strict eligibility requirements
Progressive offers standout programs like Snapshot, a deductible savings bank, multiple types of accident forgiveness, and a loyalty rewards program. You can stack these as long as you stay with the insurer. With an intuitive website and highly regarded mobile app, you can expect a simple, hands-on experience when adjusting your policy without calling customer service.
But if you do need customer service, you may hit some rough terrain. Progressive’s J.D. Power scores and many online customer reviews point to challenges with customer service and claims handling.[1] [1]
Below, we cover everything you need to know to help you decide if Progressive is the best car insurance company for you.
In the table below, we highlight how Progressive performs on a scale of 1 to 5 across five essential categories. Here’s how the company fares in terms of cost, customer satisfaction, policy management, availability, and reputation.
Category  | Score |
|---|---|
| Cost | 4.3/5 |
| Customer satisfaction | 3.3/5 |
| Policy management | 4.8/5 |
| Availability | 5/5 |
| Industry reputation | 4.7/5 |
| Overall Score | 4.5/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Score the best car insurance rates for your driving profile.
|  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $83/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $116/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $105/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $75/mo* |
Overall Rating 3.2 | Overall Rating 3.9 | Overall Rating 4.0 | Overall Rating 3.5 | Overall Rating 4.3 |
Value 3.3/5 | Value 4.1/5 | Value 4.2/5 | Value 3.8/5 | Value 4.9/5 |
Customer Service 3.6/5 | Customer Service 4.4/5 | Customer Service 4.3/5 | Customer Service 4.2/5 | Customer Service 4.4/5 |
Claims Handling 3.3/5 | Claims Handling 3.9/5 | Claims Handling 3.9/5 | Claims Handling 3.5/5 | Claims Handling 4.1/5 |
Special Highlight N/AAI-generated from 267 user reviews | Special Highlight N/AAI-generated from 292 user reviews | Special Highlight N/AAI-generated from 238 user reviews | Special Highlight N/AAI-generated from 159 user reviews | Special Highlight N/AAI-generated from 64 user reviews |
Progressive’s car insurance offerings include a lot of bells and whistles. From accident forgiveness to loyalty rewards to deductible savings banks — all geared to widen the safety net of your policy.
Though the company doesn’t offer the cheapest rates, it doesn’t charge high rates, on average. Plus, Progressive offers many discounts to help you save, and its number of customer complaints is lower than average for companies of similar size, according to the National Association of Insurance Commissioners (NAIC).[2]
While Progressive offers the attractive features and benefits above, customer feedback suggests that customer service is just average. Progressive’s overall satisfaction and claims handling scores are both below the industry average.
Reading what real customers say about a company is one of the most important steps anyone can take when researching a new car insurance company. Current and past customers can shed light on how a company handles billing issues, claims, cancellations, and refunds.
Customers also highlight common problems and share tips on how to get more from your relationship with the insurer. Here are Progressive reviews from Compare.com customers who have or have had Progressive insurance in the past.
It’s always good to know an insurer’s average rates, as they indicate how it compares with others. To understand how a company will set your insurance premiums, it’s best to review average rates for drivers with profiles similar to yours.
That’s because many factors influence car insurance rates, including age, driving history, and credit. Regardless, you should still compare quotes from multiple insurers to get the best possible rate.
With that in mind, we’ve compiled average Progressive car insurance rates for drivers across common profiles, according to Compare.com.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $173 |
| Teens | $301 |
| Seniors | $100 |
| Recent ticket | $202 |
| Recent accident | $220 |
| DUI conviction | $243 |
| Excellent credit | $140 |
| Bad credit | $198 |
Protect your car and your wallet.
Auto insurance rates are also influenced by where you live. Every state has unique risks that determine how risky it is for insurers to write policies in the state. Common factors insurers consider include traffic density, theft rates, accident rates, and even climate-related hazards such as storm frequency and extreme weather events.
Here’s a map showing how the average Progressive car insurance rate changes depending on your state, according to Compare.com data.
State | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $75 | $118 |
| Alaska | N/A | N/A |
| Arizona | $93 | $206 |
| Arkansas | $59 | $145 |
| California | N/A | N/A |
| Colorado | $76 | $156 |
| Connecticut | $120 | $198 |
| Delaware | $161 | $186 |
| Florida | $156 | $202 |
| Georgia | $86 | $173 |
| Hawaii | N/A | N/A |
| Idaho | $78 | $110 |
| Illinois | $60 | $116 |
| Indiana | $49 | $123 |
| Iowa | $81 | $135 |
| Kansas | $79 | $125 |
| Kentucky | $94 | $153 |
| Louisiana | $127 | $173 |
| Maine | $53 | $86 |
| Maryland | $201 | $257 |
| Massachusetts | N/A | N/A |
| Michigan | $154 | $204 |
| Minnesota | $93 | $123 |
| Mississippi | $52 | $162 |
| Missouri | $61 | $129 |
| Montana | N/A | N/A |
| Nebraska | $64 | $98 |
| Nevada | $173 | $173 |
| New Hampshire | N/A | N/A |
| New Jersey | $230 | $351 |
| New Mexico | $74 | $188 |
| New York | $298 | $447 |
| North Carolina | $64 | $82 |
| North Dakota | N/A | N/A |
| Ohio | $59 | $103 |
| Oklahoma | $82 | $126 |
| Oregon | N/A | N/A |
| Pennsylvania | $110 | $150 |
| Rhode Island | $187 | $253 |
| South Carolina | $111 | $170 |
| South Dakota | N/A | N/A |
| Tennessee | $52 | $103 |
| Texas | $107 | $192 |
| Utah | $87 | $142 |
| Vermont | $59 | $141 |
| Virginia | $78 | $136 |
| Washington | $81 | $322 |
| Washington D.C. | $189 | $280 |
| West Virginia | $81 | $119 |
| Wisconsin | $57 | $93 |
| Wyoming | N/A | N/A |
)
Progressive’s policies are highly customizable, so you can choose between standard coverages and optional add-ons. Here’s an overview of the company’s coverages:
Liability: Covers bodily injury and property damage costs you cause to others in an accident.
Collision: Pays for damages a collision causes to your vehicle, regardless of fault.
Comprehensive: Covers non-collision damage to your car, including from vandalism, theft, weather, and animals.
Uninsured/underinsured motorist: Protects you if a driver with little to no coverage hits you.
Personal injury protection and medical payments: Pays for your or your passenger’s medical expenses, regardless of fault.
Loan/lease payoff: Gap insurance pays for the difference between your car’s value and the remaining car loan balance if it gets totaled in an accident.
Rental car: Helps cover the costs of a rental car while your car is in the shop getting repairs.
Roadside assistance: Provides towing and labor aid for flat tires, fuel delivery, lockouts, and more.
Custom parts: Covers aftermarket upgrades and accessories you’ve added to your vehicle.
Pet injury: Included with collision coverage, and helps pay pet bills if a car accident injures your pet.
)
Car insurance discounts are an easy way to save money on premiums. Progressive offers the 12 discounts below that help lower your premium based on various eligibility factors.
Auto pay: Get a discount for setting up automatic payments.
Continuous coverage: You can earn a discount at renewal if you’ve avoided insurance lapses in the past.
Distant student: Earn a discount for student drivers living 100 miles or more away from home.
Good student: Students with good grades earn 5% (or more) off premiums.
Homeowner: Get a discount if you own your home, but savings vary.
Multi-car: Get an average discount of 12% for insuring more than one vehicle.
Multi-policy: Save an average of 7% for bundling car insurance with other insurance products.
Online quote: Get an average 7% discount when you get a quote online.
Paperless: You can save just by receiving your policy documents online.
Pay-in-full: Get a discount when you pay the whole policy term up front.
Sign online: Sign policy paperwork online and get an average 10% discount.
Teen driver: Teens earn a discount after one year of continuous insurance.
)
Progressive makes it easy to file and manage claims 24/7 through its website, mobile app, or by phone. We’ve outlined the claims process in four steps.
File your claim online, with the mobile app, or by calling the customer service line. Upload applicable pictures and detailed descriptions of the event. Progressive will assign a claims representative and estimator.
The claims representative will schedule an adjuster to review the damage and provide an estimate for repairs.
Choose your repair shop from anywhere, but Progressive also offers in-network shops where you can receive guaranteed repairs.
Progressive manages the repair bills for you so you can pick up your car and go, and it guarantees in-network repairs for as long as you own or lease your car.
| Founded | 1937 |
| Available in | All 50 states |
| Owned by | Public, NYSE: PGR |
| National average premium | $173 |
| Mobile app | Android, iOS |
| Customer service | 1 (888) 671-4405 |
| Claims | 1 (888) 671-4405 |
| Primary competitors | Allstate, GEICO, Nationwide, State Farm |
Enroll in the Progressive Snapshot program to earn an automatic discount (in most states). Download the app, and allow it to monitor your driving habits. At renewal, Progressive rewards a discount based on your driving score. The company claims the average discount saves $322 per policy term.
Progressive offers three ways for customers to get accident forgiveness:
Small accident forgiveness: Locks your rate after a first claim totaling $500 or less, applied automatically.
Large accident forgiveness: Reserved for members of the Loyalty Rewards program, it forgives one accident for customers with a clean record who’ve stayed with the company for at least five years.
Purchased accident forgiveness: Available to anyone for purchase and forgives up to one accident per policy period.
Add the Deductible Savings Bank, a diminishing deductible feature, to your car insurance policy. Progress will award every claims-free policy term period with a $50 reduction on your deductibles for a future claim. Over time, these savings can cover an entire deductible. Once used, the account resets, and you can continue to earn savings for claims-free driving.
Progressive offers loyalty rewards to customers from day one, including minor-claim accident forgiveness. Benefits stack the longer you stay with the company, offering additional discounts and perks such as priority call routing and guaranteed renewal.
Progressive offers an extensive range of insurance products, making it easy to get everything you need from one company. With Progressive, you can get:
Boat and personal watercraft coverage
RV insurance and ATV insurance
Golf cart, electric bike, and Segway insurance
Condo insurance
Mobile home coverage
Life insurance
Travel insurance
Wedding and event insurance
Business owners policies
Commercial auto insurance
Professional liability insurance
General liability insurance
Workers’ compensation insurance
Progressive also offers a range of financial services, including car loan refinancing, personal loans, and more.
Compare quotes from top insurers and save money in seconds.
Here are quick answers to the most common questions drivers ask when considering a Progressive car insurance policy.
Yes. Progressive is a good car insurance company with an AM Best financial strength rating of A+ (Superior).[3] But the company falls below average in claims handling and customer satisfaction (in all regions except California).
The average Progressive car insurance premium is $173 per month, according to our research. But rates can change dramatically depending on your driving profile, location, and vehicle. Always compare rates before buying.
Progressive can be expensive for some drivers, but whether your Progressive rates are high or low depends on how the company rates your unique risk factors. The higher it perceives your risk, the higher your rates will be.
It depends. You won’t find one best car insurance company for every driver. The best car insurance company depends on your needs and budget. Progressive stands out for its customizable policies, wide range of discounts, and tech-friendly tools.
Other solid options include State Farm for its customer service and strong financial ratings, and Allstate for its range of coverages and strong nationwide availability.
While Progressive isn’t known for denying claims, the company earns a low claims satisfaction rating from J.D. Power. It also received a low Trustpilot rating, with some online reviewers mentioning a pattern of claim denials.[4]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
){kind=logo}
)
){kind=logo}
)
)
)
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
