Yes, Progressive is considered one of the top auto insurers in the U.S. due to its competitive rates, digital tools, and wide range of coverage options. However, some customers have reported mixed experiences with claims processing.
Progressive Auto Insurance: A Complete Review of Coverage, Costs, and Customer Experience
Michael Kalamitsiotis
Published on: May 5, 2025
5 minutes
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Progressive Auto Insurance has grown into one of the largest and most recognizable car insurance providers in the United States. Known for its quirky commercials, digital-first approach, and competitive rates, Progressive serves millions of customers with a wide range of coverage options, tools, and discounts. But is it the right choice for you?
In this in-depth review, we’ll analyze Progressive auto insurance from every angle—coverage, costs, customer experience, claims process, tools like Snapshot and the Name Your Price Tool, and how Progressive stacks up against the competition. We'll also explore Progressive’s specialty insurance options, discounts, and its digital tools like the Progressive mobile app and online quote portal.
Whether you're a first-time buyer or considering switching providers, this comprehensive review will help you decide if Progressive is the best fit for your vehicle protection needs.
Progressive Auto Insurance Overview
Founded in 1937, Progressive has become one of the top three auto insurers in the U.S., alongside State Farm and GEICO. It has built a strong reputation for:
- Fast online quotes
- Customizable coverage options
- Competitive pricing tools
- A focus on technology and innovation
Progressive auto insurance currently serves over 25 million policyholders across personal auto, commercial auto, motorcycle, boat, and RV insurance.
What Does Progressive Auto Insurance Cover?
Progressive offers all the standard forms of auto coverage along with optional add-ons to customize your policy. Here's a breakdown of Progressive insurance coverage:
Standard Coverage:
- Liability Coverage (bodily injury and property damage)
- Comprehensive Coverage
- Collision Coverage
- Uninsured/Underinsured Motorist Protection
- Medical Payments & PIP (Personal Injury Protection)
Optional Add-ons:
- Roadside Assistance
- Rental Car Reimbursement
- Custom Parts & Equipment Coverage
- Loan/Lease Payoff (Gap Insurance)
- Deductible Savings Bank
- Pet Injury Coverage
Learn more: Progressive Coverage Options Explained
Progressive Snapshot®: Driver Behavior Tracking for Savings
Progressive Snapshot is one of the company’s most talked-about features. This telematics program tracks your driving habits (speed, braking, time of day, etc.) through a mobile app or plug-in device. Safer drivers may see lower rates, but risky behavior could lead to rate increases.
Progressive Snapshot Review: Pros and Cons
Pros:
- Potential savings of up to 30%
- Easy to enroll via mobile app
- Transparent driving feedback
Cons:
- Driving performance affects rates
- May penalize late-night or hard-braking patterns
Read more: How Does Progressive Snapshot Work?
Progressive Insurance Rates: How Much Does It Cost?
When it comes to Progressive insurance rates, pricing can vary significantly based on:
- Driving history
- Location
- Age
- Vehicle type
- Credit score (in some states)
Based on third-party sources like NerdWallet and The Zebra, average Progressive car insurance cost is around $1,508 per year for full coverage. That’s slightly below the national average, making it a strong contender for those seeking value and customization.
| Driver Profile | Average Annual Cost (Full Coverage) |
|---|---|
| Young Driver (18-25) | $2,392 |
| Safe Driver (30-40) | $1,392 |
| Senior Driver (65+) | $1,238 |
Progressive’s “Name Your Price®” Tool
A standout feature of car insurance Progressive offers is the Name Your Price Tool. Instead of giving you a fixed quote, Progressive lets you input your budget, then shows you what coverage levels fit within that price point.
Benefits:
- Allows customization based on your budget
- Easy to compare trade-offs between coverage and cost
Drawbacks:
- May lead to underinsurance if you prioritize price over protection
Progressive Discounts: Save More with Bundles and Safe Driving
Progressive offers numerous discounts that make its policies more affordable:
- Multi-Policy Discount (homeowners and auto bundle)
- Multi-Car Discount
- Safe Driver Discount
- Continuous Insurance Discount
- Teen Driver Discount
- Good Student Discount
- Pay-in-Full Discount
- Paperless Billing Discount
- Online Quote Discount
Some drivers may save up to 35% through bundled and behavioral discounts.
Compare: Progressive Discounts Overview
Customer Experience: Is Progressive Auto Insurance Good?
Let’s talk about what matters most: customer satisfaction. Here’s how Progressive performs:
Pros:
- 24/7 Claims Service
- Highly Rated Mobile App (4.7 stars on iOS)
- Flexible Payment Options
- Fast Quotes and Easy Policy Management Online
Cons:
- Mixed reviews on claims processing
- Some customers report rate hikes after claims
Progressive Auto Insurance Customer Reviews (based on Trustpilot and J.D. Power rankings) show that while many users enjoy the digital tools and low prices, others cite customer service and claims disputes as pain points.
Progressive Claims Process
Filing a claim with Progressive is streamlined via their:
- Mobile App
- Online Portal
- 24/7 Customer Service Line
Claims can be tracked in real time. According to J.D. Power’s 2024 Auto Claims Satisfaction Study, Progressive scored 871 out of 1,000, just below industry leaders like State Farm and Erie.
Learn more: Progressive Claims Process
Specialty Coverages: More Than Just Cars
Progressive doesn’t stop at personal vehicles. They also offer:
- Motorcycle Insurance
- Boat Insurance
- RV Insurance
- Commercial Auto Insurance
- Rideshare Coverage for Uber/Lyft Drivers
Whether you’re a delivery driver or own a landscaping business, Progressive commercial auto insurance is built to cover work vehicles of all types.
See more: Progressive Business Insurance
Progressive Mobile App Review
Progressive’s mobile app offers:
- ID cards
- Policy documents
- Bill pay
- Claims filing
- Snapshot tracking
With over 4.5 stars on Google Play and the App Store, it's one of the most robust apps in the industry.
Progressive Insurance Login and Policy Management
You can easily manage your policy, download documents, and make payments at progressive.com/login.
Their online platform also supports progressive auto insurance payment options, including recurring billing, pay-in-full, and monthly plans.
Alternatives to Progressive Auto Insurance
Not sure if Progressive is right for you? Compare it with:
- GEICO – Known for low rates and strong customer satisfaction
- State Farm – Ideal for those who prefer local agents
- Allstate – Great bundling options and claims satisfaction
See: Compare Progressive Auto Insurance with GEICO and State Farm
Final Verdict: Is Progressive Auto Insurance Worth It?
Pros:
- Competitive pricing and customizable coverage
- User-friendly digital tools and mobile app
- Variety of discounts and bundling options
Cons:
- Snapshot can raise rates for riskier drivers
- Mixed reviews on claims satisfaction
For budget-conscious drivers who value innovation, Progressive is a solid option. But if you’ve had issues with usage-based tracking or prefer a high-touch customer experience, you might consider other providers.
For more info, please visit our Learning Center.
FAQ: Honest Answers About Progressive Auto Insurance Coverage, Costs, and Customer Experience
Is Progressive a good auto insurance company?
How much does Progressive car insurance cost per month?
Progressive’s monthly premiums vary based on factors like age, location, and driving history. On average, full coverage costs about $125–$140 per month, though safe drivers and discount-eligible users may pay less.
What is included in a Progressive auto insurance policy?
A standard Progressive auto insurance policy includes liability, comprehensive, collision, and uninsured motorist coverage. Optional features include roadside assistance, rental reimbursement, and custom equipment protection.
Does Progressive offer accident forgiveness?
Yes, Progressive offers accident forgiveness, which may prevent your premium from increasing after your first accident, depending on your state and eligibility.
How does Progressive Snapshot work, and is it worth it?
Snapshot monitors your driving habits via a mobile app or plug-in device. Safe drivers may save up to 30%, but risky habits like hard braking or late-night driving can lead to higher premiums.
Can I bundle home and auto insurance with Progressive?
Yes. Progressive offers significant discounts when bundling auto with homeowners, renters, or condo insurance, often saving users 10–15%.
How do I file a claim with Progressive?
You can file a claim through the Progressive mobile app, online dashboard, or 24/7 customer service hotline. Claims can be tracked in real-time through your account.
What discounts does Progressive offer?
Progressive offers a variety of discounts including safe driver, multi-policy, multi-car, pay-in-full, good student, paperless billing, and more. Eligibility depends on your driver profile and policy details.
How do I cancel a Progressive auto insurance policy?
You can cancel your Progressive policy anytime by calling customer service. Be sure to have a new policy in place to avoid coverage gaps.
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