Progressive Insurance Review (2021)
If you want cheap car insurance — and you’d prefer to get home, renters or auto insurance from a well-known company — consider Progressive. Not only does Progressive offer lower rates than many of its competitors, but it also offers a multitude of discounts that might make your policy’s premium even cheaper.
Products Reviewed
Best if
- You’re looking for affordable auto insurance, but it doesn’t have to be the absolute cheapest.
- You qualify for more than one of Progressive’s many discounts.
- You have a DUI or accident on your driving record but still want cheap car insurance.
Worst if
- You want to manage your policies and file claims through one insurer.
- If you’re looking for the cheapest rates. However, your rates may vary depending on your location and coverage needs.
- You want the cheapest auto insurance around and won’t settle for anything less.
- You’re a teen driver and you can’t afford high car insurance premiums.
Auto Insurance
Auto insurance at a glance
Offers several types of coverage, including gap, rideshare and rental car reimbursement.
Provides many ways to lower your premium, including a usage-based insurance program and a slew of discounts.
Progressive’s Name Your Price tool shows you coverage options that fit your desired price range.
Along with standard types of car insurance coverage, like liability, collision and comprehensive, Progressive offers several supplementary coverage types, such as:
- Uninsured and underinsured motorist coverage
- Medical payments coverage
- Gap insurance
- Rental car reimbursement
- Roadside assistance
- Rideshare coverage
Progressive also offers many car insurance discounts that may help lower your premium.
Even without discounts, Progressive is one of the cheapest car insurance providers around. Especially if you compare its average rates to those of other popular brands like GEICO and Allstate.
In addition, Progressive is one of the cheaper options when it comes to getting car insurance after an accident or DUI. Progressive's rates are not so cheap, however, if you are a teen driver.
Progressive is the third-largest insurance company in the U.S., based on 2020 data from the National Association of Insurance Commissioners (NAIC). It commands 5.75% of the market and has written just over 41.7 million direct property and casualty premiums.
How much is Progressive car insurance?
Progressive car insurance costs $87 per month, on average, if you only want the minimum amount of coverage your state requires. Full-coverage car insurance from Progressive costs an average of $166 per month, with this type of policy including liability, collision and comprehensive coverages.
These rates are on par with national averages for such car insurance policies, which are $87 per month and $177 per month, respectively. And they're lower than most of Progressive's main competitors, like Allstate and GEICO.
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Progressive car insurance rates are lower than those of Allstate and GEICO if you have incidents like accidents or DUIs on your driving record, too. The average quote Progressive sent our sample driver with a DUI was $218 per month for full coverage. That's more than $200 per month less than what GEICO and Allstate offered.
| Company | Before incident | After DUI | After accident | After speeding ticket |
|---|---|---|---|---|
|
Progressive |
$166 |
$218 |
$256 |
$216 |
|
Allstate |
$231 |
$429 |
$335 |
$267 |
|
GEICO |
$221 |
$500 |
$352 |
$266 |
|
State Farm |
$123 |
$159 |
$148 |
$141 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary | ||||
Progressive might not be the best company for cheap car insurance if you are a teen or young driver, though. The quotes it sent our sample driver were quite a bit higher than the ones competitors like State Farm, GEICO and Allstate sent.
| Age | Progressive | Allstate | GEICO | State Farm |
|---|---|---|---|---|
|
16 |
$464 |
$392 |
$315 |
$242 |
|
18 |
$367 |
$263 |
$256 |
$184 |
|
20 |
$185 |
$170 |
$173 |
$136 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary | ||||
| Age | Progressive | Allstate | GEICO | State Farm |
|---|---|---|---|---|
|
16 |
$871 |
$823 |
$692 |
$471 |
|
18 |
$706 |
$595 |
$560 |
$367 |
|
20 |
$272 |
$319 |
$310 |
$213 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary | ||||
That said, the older you are, the cheaper and more competitive Progressive's car insurance rates are likely to be. In fact, Progressive offered our sample 20-year-old driver cheaper rates than Allstate and GEICO, though they weren't as cheap as State Farm.
Which types of car insurance does Progressive offer?
Progressive offers liability, collision and comprehensive car insurance coverages. It also offers these additional coverage types:
| Coverage | What it covers |
|---|---|
|
Uninsured and underinsured motorist |
Uninsured motorist covers damages or injuries caused by uninsured drivers. Underinsured motorist covers damages or injuries caused by drivers who don't have enough insurance to cover the costs of an accident. |
|
Some medical and funeral costs after an accident. |
|
|
Gap insurance |
The difference between your vehicle's actual cash value and what you owe on its lease or loan after it is totaled or stolen. |
|
Rental car reimbursement |
Rental car or other transportation costs while your vehicle is being repaired after an accident. |
|
Custom parts and equipment value |
Repairs or replaces items that you add to your car, like stereos or navigation systems. |
|
Roadside assistance |
Emergency assistance when you need a tow, tire change or even gas. |
|
Insurance gaps that your rideshare company doesn't cover. |
Progressive auto insurance discounts
You can save a lot of money if you qualify for Progressive's many discounts, such as ones for multiple cars, multiple policies and safe drivers.
| Discount | How to qualify |
|---|---|
|
Multi-policy |
Have two or more insurance policies with Progressive and save an average of 5%. |
|
Multi-car |
Have two or more vehicles listed on your Progressive policy and save an average of 4%. |
|
Continuous service |
Switch to Progressive and earn a discount for the time you spent with your previous insurer. |
| Discount | How to qualify |
|---|---|
|
Safe driver discount |
Join Progressive's Snapshot program, drive safely and save money — an average of $146. |
|
Teen driver discount |
Add a teen driver to your policy and earn a discount. |
|
Good student discount |
Add a full-time student to your policy who maintains a "B" average or better and save an average of 10%. |
| Discount | How to qualify |
|---|---|
|
Online quote |
Get an online car insurance quote and save an average of 7%. |
|
Sign online |
Sign your documents online and earn an average savings of 9%. |
|
Pay in full |
Pay your policy premium in full and up front and earn a discount. |
Progressive customer service ratings
Progressive has above-average customer service ratings from the Better Business Bureau (BBB) and the NAIC, and a below-average rating from J.D. Power.
| Company | Rating |
|---|---|
|
BBB |
A+ |
|
J.D. Power 2020 U.S. Auto Claims Satisfaction Study |
856 |
|
2020 NAIC Complaint Index |
0.88 |
The J.D. Power 2020 Auto Claims Satisfaction Study rating is based on a 1,000-point scale. The industry average is 872, with higher numbers being better than lower ones.
NAIC's Complaint Index measures customer complaints based on the rate of formal complaints filed to state regulators. The national median Complaint Index is 1.0.
How to pay your bill with Progressive
Progressive offers several bill pay options. You can pay your Progressive bill online, by mail, by phone or by text.
To pay your bill by phone, call (800) 776-4737.
Progressive offers an automatic payment option, too.
How to file a claim with Progressive
You can file a claim with Progressive through its mobile app, online or by phone.
To file a claim with Progressive by phone, call (800) 776-4737.
You can track your claim by logging into Progressive's website or app.
Home Insurance
Progressive doesn't underwrite home insurance policies. Instead, it offers quotes from multiple home insurance providers. You could get a bundling discount if you have Progressive auto insurance and buy home insurance from one of its affiliates. However, if you're looking for the cheapest home insurance rates, Progressive may not be the best option for you.
Progressive home insurance reviews
In its 2020 U.S. Home Insurance Study, J.D. Power gave ASI Progressive, which is a part of Progessive Group of Insurance companies, a score of 797 out of 1,000 for overall customer satisfaction. This was lower than the average score of 823.
On Consumer Affairs, Progressive's home insurance has four out of five stars based on over 400 ratings. According to the reviews, some have complained about a variety of issues. However, some were happy about the company's response time.
Home insurance coverages
Coverages may vary depending on which provider you choose, but you'll find a variety of standard coverages when you go through Progressive. A standard homeowners policy covers damages to your house and attachments, your personal belongings, lawsuits, temporary living expenses during home repairs and medical bills if someone else is hurt on your property.
You can also add water back-up coverage, which covers water damage from backed-up sump pumps and sewer systems, as well as personal injury coverage. Personal injury covers legal fees and additional damages from certain lawsuits and situations, such as slander or libel lawsuits.
| Coverages | What it covers |
|---|---|
|
Dwelling and other structures coverages |
If your home is damaged due to a covered peril, dwelling and other structures coverages help pay to repair or rebuild your house and other structures on your property. |
|
Loss of use |
If your home is unlivable due to a covered loss, temporary living expenses can pay for additional living expenses. |
|
Personal liability |
If someone sues you or another household member for injuries or damage to their property, personal liability will cover lawsuits against you and certain damages you have to pay, subject to your policy. |
|
Medical payments |
This coverage pays for medical bills if someone else is hurt on your property. |
|
Personal property |
Personal property insurance can help pay to repair or replace your belongings if they're destroyed in a covered occurrence. |
How much does Progressive's home insurance cost?
Progressive has a slightly higher average rate for home insurance. Progressive has an average annual rate of $2,044, which is higher than the U.S. average of $1,735.
Homeowners insurance discounts
Progressive offers homeowners insurance discounts and extra ways to save on your policy's cost.
- Bundle home and auto: if you bundle your home and auto policies with Progressive, you can save an average of 5%.
- Safety and alarm discounts: if you have alarms or certain safety features in your home, you may be able to get a home insurance discount.
- New purchase: if you're purchasing a new home, you may be able to earn a discount.
- Pay in full: you're eligible for a discount if you pay for your policy upfront for the whole year.
Renters Insurance
You can get renters insurance for less than $1 a day with Progressive, according to the company, which is the average premium cost for Prgressive. Like Progressive's home insurance, renters insurance coverages are provided by affiliated and third-party insurers.
Renters insurance coverages
Coverages may vary depending on which provider you choose, but here are the main coverages on a renters insurance policy.
| Coverages | What it covers |
|---|---|
|
Personal property |
This covers damages to your personal belongings, such as furniture and clothing. |
|
Medical payments |
If someone is injured in your rental, medical payments coverage may help pay for their medical bills. |
|
Loss of use |
If you're unable to live in your rental due to a covered loss, loss of use coverage may pay for hotel and food expenses. |
|
Personal liability |
Personal liability may cover you up to your policy limits or cover lawsuit costs if you're liable for injuries to another person or damage to their property. |
| Additional overages | What it covers |
|---|---|
|
Water back-up |
Covers damage to your belongings and the cost of water removal due to backed-up plumbing or sewer systems. |
|
Personal injury |
If you owe money due to slander or libel lawsuits, then personal injury coverage may pay for your legal fees and damages. |
Renters insurance discounts
Progressive offers renters insurance discounts and ways to save if you're eligible.
- Bundle renters and auto: if you bundle your renters and auto policies with Progressive, you can save an average of 3%.
- Secured or gated community: if you have to drive by a security guard or use a key or remote to enter a gated complex or community, then you may be able to get a discount.
- Pay in full: you're eligible for a discount if you pay for your policy upfront.
Methodology
The sample quotes used for this review are based on a 30-year-old single male driver with a 2012 Honda Accord LX. Unless otherwise stated, this driver has a clean driving record with no prior insurance. He drives an average of 13,500 miles annually.
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
For home insurance, we collected quotes for a standard HO-3 homeowners insurance policy. We used the following coverages:
- $275,000 dwelling coverage
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible