Progressive Car Insurance Review 2024

Progressive is on Forbes Advisor’s list of best car insurance companies. See how its rates compare to other companies:

Progressive Car Insurance Cost Comparison for Good Drivers

Progressive car insurance costs are decent for good drivers. The national average rate for good drivers is $2,026 per year among the companies we analyzed, and Progressive’s pricing comes in $200 below that.

Progressive Car Insurance Cost Comparison for Drivers With a Speeding Ticket

Progressive has okay auto insurance prices for drivers who have a speeding ticket. Many competitors have cheaper rates, but Progressive is still below the national average of $2,533 per year.

If you have a traffic ticket on your record, it’s wise to comparison shop for car insurance quotes because of the wide range of rates among insurers.

Progressive Car Insurance Cost Comparison for Drivers Who Caused an Accident With an Injury

Progressive auto insurance costs for drivers who caused an accident with an injury to someone else are fairly high compared to some competitors we evaluated, but still less than the national average of $3,009 per year.

Progressive Car Insurance Cost Comparison for Drivers With a DUI

Progressive auto insurance price for drivers with a DUI on their records is the cheapest of the companies we evaluated. The national average car insurance cost for drivers with a DUI is $3,363 a year, based on our analysis of large insurers. Progressive’s rates are over $1,000 a year cheaper than the average.

Progressive Car Insurance Cost Comparison for Drivers With Poor Credit

Progressive auto insurance rates are in the middle of the pack for drivers with poor credit compared to the other large insurers we analyzed.

All states except California, Hawaii, Massachusetts and Michigan permit auto insurance companies to use a credit history when calculating rates. Insurers say that a person’s credit correlates with the chances they’ll make an insurance claim in the future. This correlation leads to higher rates.

Progressive Car Insurance Cost Comparison for Adding a Teen Driver

Progressive’s average car insurance cost to add a teen driver is competitive, coming in at about $300 below the average.

Adding a teen to a parent’s policy can lead to a substantial rate hike. Parents can expect to pay more than $2,000 a year to add a 16-year-old driver to their policy. Our analysis found that the national average cost is $2,359 a year among the insurers we analyzed.

Progressive Car Insurance Cost Comparison for Young Drivers Ages 18 to 25

Progressive car insurance rates are competitive for drivers between 18 and 25. Its annual cost is around $475 less than the national average of $3,113 a year among insurers we analyzed.

The prices below are for young drivers on their own auto insurance policies. You may lower car insurance costs by keeping a young driver on a parent’s policy as long as possible.

Progressive Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80

Progressive has competitive car insurance costs for drivers ages 65 to 80. The national average is $2,150 a year, based on our analysis of large insurers and Progressive is about $200 a year cheaper.

Progressive has a low level of auto insurance complaints based on complaints made to state insurance departments across the country. Progressive complaints are also substantially below the industry average.

Progressive’s top auto insurance complaints are related to claim delay, unsatisfactory claim settlement offers and adjusters’ handling of claims.

In a survey of collision repair professionals by CRASH Network, Progressive earned a C grade.

The opinions of collision repair professionals are valuable because they see how insurers compare in the claims process. They have an insiders view of the use of lower-quality repair parts, whether insurance companies encourage the use of repair procedures recommended by car makers, and whether insurers have fast and satisfactory claims processes for customers.

Yes, Progressive offers accident forgiveness insurance. It may be automatically included or you can buy it as an add-on. Progressive has three types of accident forgiveness:

• Small accident forgiveness
• Large accident forgiveness
• Add-on accident forgiveness benefits

Small accident forgiveness is automatically included in most states when you buy a Progressive car insurance policy. Small accident forgiveness keeps your rates from increasing if you have a claim that is $500 or less.

Large accident forgiveness keeps your rates from increasing for claims exceeding $500. It’s available to drivers who have been with Progressive for at least five years and have been accident and violation-free.

You can also purchase accident forgiveness benefits, which allow you to have one accident forgiven per policy period. If you qualify for small or large accident forgiveness through Progressive’s Loyalty Rewards program, your rewards benefits apply first. If you have another qualifying claim, you can use your accident forgiveness benefit.

No, Progressive doesn’t offer new car replacement coverage.

This coverage add-on pays to replace your vehicle with the same make and model if it’s totaled and typically is two model years old or less.

Yes, Progressive offers loan or lease gap insurance, but only up to 25% of your vehicle’s value. The exact limit varies by state.

Gap insurance pays the difference if you owe more on your wrecked or stolen vehicle than what the car is worth. If your car is totaled and the insurance company reimburses you for the value of the vehicle, and that’s less than your car loan or lease balance, gap insurance picks up the difference. Buying gap insurance can potentially pay off for drivers who have large car loans.

Yes, Progressive has a diminishing deductible option. Also known as a vanishing deductible or disappearing deductible, this type of optional coverage reduces a policy’s deductible without increasing premiums if you are accident-free or ticket-free.

The deductible decreases when the policy is renewed and has the potential of reaching $0. Progressive offers diminishing deductibles on insurance for cars, RVs, motorcycles and boats.

Progressive’s Deductible Savings Bank Coverage subtracts $50 from comprehensive and collision deductible for every six months that you don’t cause an accident or get a ticket. A driver in this program could get $100 shaved off a deductible in a year. A person with a $500 deductible may wind up not having any deductible after five years of good driving.

Yes, Progressive provides SR-22 insurance

Drivers who may need an SR-22 can include those with DUI convictions and drivers who cause multiple accidents. An SR-22 is a form an insurance company files on your behalf with the state to verify that you have enough car insurance coverage.

SR-22 regulations vary by state, but drivers who must get an SR-22 usually need to retain the certificate for at least three years.

Yes, Progressive has a usage-based insurance program called Snapshot. You can use a mobile app or a plug-in device to allow Snapshot to track your driving.

The Snapshot app tracks miles driven and your driving habits, including how much you accelerate and brake, when you are driving, and, in some states, if you’re using your phone. Progressive says Snapshot leads to an average savings of $146 in a year.

Your rates may actually increase if Snapshot finds that you’re a risky driver

No, Progressive doesn’t offer pay-per-mile car insurance. Though Progressive’s Snapshot tracks mileage, it’s not strictly a per-per-mile insurance option.

A pay-per-mile policy determines your rates based partly on how many miles you drive but doesn’t track driving habits such as speeding. People who don’t drive much may benefit from a pay-per-mile insurance policy.

Yes, Progressive offers a rideshare insurance option that you can add to a Progressive auto insurance policy.

Progressive’s rideshare insurance covers you when your rideshare app is open and you’re waiting for a rider to accept transportation. The transportation network provider, such as Uber or Lyft, often provides insurance but only after a driver accepts the ride request.

Rideshare drivers can be without insurance while waiting for a ride request, which is where a rideshare endorsement like Progressive’s helps.

Progressive has stopped selling new car insurance policies for some Hyundai and Kia models because of vehicle theft, according to the St. Louis Post-Dispatch. The insurance denials are in certain cities across the country where theft rates are exceptionally high. The rate of stolen Hyundais and Kias skyrocketed after a viral TikTok video showed how to easily steal 2011-2021 models that lack engine immobilizers.

State Farm has reportedly taken similar actions.

Current Hyundai and Kia policyholders’ coverage remains in place, but they should not be surprised to see a rate hike at their renewal period, especially for comprehensive coverage. Comprehensive insurance covers the theft of your vehicle. If you’re experiencing issues getting a policy for a Hyundai or Kia or see increased costs, shop around with multiple companies to find coverage at an affordable price.

Other optional auto insurance coverage Progressive offers include:

• Roadside assistance
• Custom parts coverage
• Rental reimbursement insurance

Progressive offers many discounts, especially for drivers who practice safe driving habits. If you have a teen driver, look for Progressive’s discounts for teen drivers, good students and students away at school.

Here are Progressive auto insurance discounts you may qualify for:

• Automatic payments: For those who don’t want to pay in advance, you can set up automatic payments from your checking account and receive a discount. Unfortunately, you can’t combine the pay-in-full discount and automatic payment discount.
• Continuous insurance: If you’ve continuously had an auto insurance policy with no gaps or cancellations, whether it’s with Progressive or another insurance company, you may be eligible for a discount.
• Distant student (student away at school) discount: Ask about this discount if you have a driver age 22 or younger on your policy and they go to school 100 miles or more away from home and don’t have a car with them.
• Good student discount: If you add a student to your policy and they maintain a “B” average or better, ask about this 10% discount.
• Homeowner discount: Even if you don’t insure your home through Progressive, you could receive an average of 10% off your policy for being a homeowner.
• Multi-car discount: Save an average of 12% by insuring more than one vehicle on your Progressive auto insurance policy.
• Multi-policy discount: Do you have multiple policies with Progressives, such as home and auto insurance? If so, this discount can save you an average of 5% on average.
• Online quote discount: You could receive an average of 7% off your policy if you get a quote online for a Progressive policy.
• Paperless discount: If you opt for paperless statements, you will automatically receive a discount.
• Pay in full discount: Make sure to get this discount if you pay the full insurance bill upfront.
• Sign online discount: Progressive will take an average of 9% off if you sign your policy documents online.
• Teen driver discount: Progressive offers discounts for teen drivers on your policy to help offset the cost of adding an inexperienced driver.

You can buy homeowners and renters insurance from Progressive, although it might come from a different insurance company through Progressive’s insurance agency.

For those who need small business insurance, Progressive provides a variety of coverage types including a business owners policy, professional liability, workers compensation, commercial auto insurance and general liability insurance.

With identity theft and cybercrime continuing to pose challenges, many people are searching for a way to protect their assets from fraud and theft. Progressive sells identity theft protection and a credit monitoring service sponsored by Experian.

Progressive also sells:

• Life insurance
• Health insurance
• Dental insurance
• Vision insurance
• Pet insurance
• Phone and electric device insurance

You also can find financial services, such as personal loans and car shopping services with Progressive.

The Progressive app lets users easily manage their insurance policies from their smartphones. Some mobile app features include:

• Access policy information
• Make payments
• Access insurance cards and other documents
• Report a claim
• Request roadside assistance
• Explore other Progressive products

Progressive started its ignition in the auto insurance business in 1937 when Joseph Lewis and Jack Green had the idea of offering basic insurance that anyone could afford.

Progressive Insurance first specialized in nonstandard auto insurance, which led it to launch the Safe Driver Plan in Ohio. This plan offered lower rates to drivers who went without accidents.

Today, Progressive is the third-largest auto insurance company in the United States and a leading seller of commercial auto insurance and motorcycle insurance.

Progressive is headquartered in Mayfield Village, Ohio. It sells insurance for classic cars, cars, RVs, ATVs, and boats. For drivers who prefer more unique forms of transportation, Progressive also offers Segway, Sea-Doo, golf cart and snowmobile insurance.

What States Does Progressive Car Insurance Operate In?

Progressive is available in all 50 states and Washington, D.C.

To identify the best car insurance companies we evaluated each company based on its average rates for a variety of drivers, the coverage options offered, complaints against the company and collision repair grades from auto body professionals.

Auto insurance rates (50% of score): We used data from Quadrant Information Services to find average rates from each company for good drivers, drivers who have caused an accident, drivers with a speeding ticket, drivers with a DUI, drivers with poor credit, drivers caught without insurance, adding a teen driver, senior drivers and young drivers.

Unless otherwise noted, rates are based on a 40-year-old female driver with a Toyota RAV4 and coverage of:

• $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
• Uninsured motorist coverage of 100/300.
• Collision and comprehensive insurance with a $500 deductible.

Car insurance coverage options (25% of score): Any auto insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. But it’s also important to have access to additional coverage types that can provide greater protection or cost savings. In this category we gave points to companies that offer accident forgiveness, new car replacement, vanishing deductibles, usage-based or pay-per-mile insurance and SR-22s.

Complaints (20% of score): We used complaint data from the National Association of Insurance Commissioners. Each state’s department of insurance is in charge of logging and monitoring complaints against the companies that operate in their states. Most auto insurance complaints center on claims, including unsatisfactory settlements, delays and denials. The industry complaint average is 1.00, so companies with a ratio below 1.00 have lower levels of complaints.

Collision repair (5% of score): We incorporated grades of insurance companies from collision repair professionals. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. CRASH Network’s Insurer Report Card used grades from more than 1,000 collision repair professionals to gauge auto insurers on the quality of their collision claims service.