progressive insurance review — Progressive is the second-largest auto insurer in the United States. The company holds 18.60% of the private passenger auto market. It operates in all 50 states and Washington, D.C. Progressive earned $67.2 billion in direct premiums in 2025. The company briefly overtook State Farm as the number one auto insurer in 2024. Progressive is known for its online-first approach and innovative tools. For example, the Name Your Price tool lets drivers set a budget before choosing coverage. The Snapshot telematics program rewards safe driving habits. This progressive insurance review examines whether the company deserves its massive market share.
Progressive Coverage Options
Progressive offers all standard auto insurance coverages. These include liability, collision, comprehensive, and uninsured motorist protection. Medical payments and personal injury protection are available where required. However, Progressive stands out with several unique add-ons. Rideshare coverage fills gaps for Uber and Lyft drivers. Custom parts and equipment coverage protects up to $5,000 in aftermarket modifications. Pet injury coverage is automatically included with collision and pays up to $1,000 in vet bills.
The Name Your Price tool is a standout feature in any progressive insurance review. It lets you enter your desired premium amount. Progressive then shows coverage combinations that fit your budget. This is especially helpful for price-conscious drivers. Loan and lease payoff coverage is also available. It pays up to 25% over your vehicle’s actual cash value if totaled. The Deductible Savings Bank rewards claim-free periods by reducing your deductible over time.
Roadside assistance, rental reimbursement, and gap insurance round out the lineup. In most cases, Progressive’s coverage options match or exceed what competitors offer. The variety of add-ons makes customization easy for different driver needs.
Progressive Discounts Available
Progressive states that 99% of auto customers qualify for at least one discount. Most drivers earn an average of seven discounts. The safe driver discount offers up to 34% off for those with clean records. Completing a defensive driving course can save up to 31%. The Snapshot telematics program saves drivers an average of $322 per year at renewal. Anti-theft device discounts reach up to 25%.
Multi-policy bundling saves up to 15% when you combine auto and home insurance. Military personnel also receive up to 15% off. The multi-car discount averages around 12%. Good students with a B average can save approximately 10%. Homeowners get up to 10% off even without bundling. Signing up online saves about 9%, and getting an online quote adds roughly 7% more.
As a result, Progressive’s discount structure is among the most generous in the industry. Pay-in-full, paperless billing, and autopay discounts are also available. However, exact percentages vary by state. This progressive insurance review found that stacking multiple discounts can significantly reduce premiums.
Progressive Customer Ratings and Satisfaction — A Progressive Insurance Review
Progressive holds an A+ (Superior) financial strength rating from AM Best. This is the second-highest possible rating. It confirms the company can pay claims reliably. However, customer satisfaction tells a different story. In the 2025 JD Power U.S. Auto Insurance Study, Progressive scored below average in nearly every region. The company’s claims satisfaction score was 673 out of 1,000. The industry average was 700.
The NAIC complaint index for Progressive’s private passenger auto line sits at approximately 0.97. This is slightly below the expected baseline of 1.00. It means complaint volume is roughly proportional to the company’s size. Progressive holds an A+ rating with the Better Business Bureau. However, BBB customer reviews average just 1.09 out of 5 stars. Typically, BBB reviews skew toward complaints rather than praise.
Progressive’s mobile app earns strong marks from users. The iOS app holds a 4.8 out of 5 rating from over 550,000 reviews. The Android app scores 4.58 out of 5 from more than 240,000 reviews. This progressive insurance review notes the app handles claims filing, payments, and digital ID cards effectively.
Progressive Pros and Cons
Pros:
- Rates average 8-12% below the national average for full coverage policies. A typical full-coverage policy costs around $2,057 per year compared to the $2,324 national average.
- Snapshot telematics program saves safe drivers an average of $322 per year. Sign-up alone earns an average $169 discount.
- Highly rated mobile app with 4.8 stars on iOS. Digital tools like Name Your Price make quoting fast and transparent.
Cons:
- Below-average JD Power customer satisfaction scores in nearly every region. Claims satisfaction rated 673 versus the 700 industry average.
- Approximately 20% of Snapshot users actually see a rate increase. The telematics program can penalize certain driving habits.
- BBB customer reviews average only 1.09 out of 5 stars. Some drivers report frustration with claims handling timelines.
Who Should Choose Progressive?
Progressive is an excellent choice for budget-conscious drivers. The company’s rates run below the national average in most profiles. For example, drivers with good credit and clean records may pay around $125 per month for full coverage. The Name Your Price tool helps drivers on tight budgets find workable options. This progressive insurance review recommends Progressive for drivers who prioritize price over personalized service.
Safe drivers benefit the most from Progressive. The Snapshot program rewards low-mileage, cautious driving with significant savings. However, aggressive drivers or those who drive late at night may see rate increases. Multi-car households also benefit from stacking the multi-car and multi-policy discounts. Progressive’s rideshare coverage makes it a strong pick for gig economy workers.
Typically, drivers who prefer managing everything online will appreciate Progressive’s digital tools. The mobile app is among the best in the industry. However, drivers who want a dedicated local agent may prefer State Farm or Allstate. This progressive insurance review suggests that Progressive fits tech-savvy drivers who value convenience and competitive pricing.
Frequently Asked Questions
Is Progressive a financially stable insurance company?
Yes. Progressive holds an A+ (Superior) rating from AM Best. The company posted a combined ratio of 87.4% in 2025, indicating strong profitability. This progressive insurance review confirms Progressive can reliably pay claims.
How much can you save with Progressive’s Snapshot program?
Safe drivers save an average of $322 per year at renewal through Snapshot. However, approximately 20% of users experience a rate increase. The program tracks braking, acceleration, mileage, and time of driving.
How does Progressive’s pricing compare to other major insurers?
Progressive’s full-coverage rates average roughly 8-12% below the national average. This progressive insurance review found typical annual costs around $2,057 compared to $2,324 nationally. Progressive is generally cheaper than Allstate but may cost more than GEICO for some driver profiles.
How do I file a claim with Progressive?
You can file claims online, through the mobile app, or by calling 1-800-776-4737. Progressive assigns a claims representative and offers real-time tracking. In most cases, property damage claims are resolved within 7 to 14 days.
Does Progressive offer rideshare insurance?
Yes. Progressive offers rideshare coverage for Uber, Lyft, and DoorDash drivers. It covers the gap when you are waiting for a ride request. This progressive insurance review notes it also includes deductible reimbursement for rideshare company policies.
Compare Insurance Rates
Ready to see if you could be paying less? Compare quotes from top insurers in your area. Getting multiple quotes is the most effective way to find a better rate.
(paid link)
Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.