Progressive at a glance

Pros
Cons:
  • Customizable coverage for both auto and home policies is available.
  • Progressive caters to drivers interesting in bundling several lines of insurance.
  • Progressive offers an array of qualifying discounts.
  • Progressive ranked third overall in online satisfaction in The Zebra's Customer Satisfaction Survey. 
  • Progressive was given a lower-than-average rank by customers in the Boomer generation, according to The Zebra's survey.
  • Progressive does not offer perks for enrolling in homeowners insurance.
  • Additional home insurance options are limited.
Top 3 in online satisfaction
Top 3 in online satisfaction

4.4/5 – Progressive earned a spot in the top three for online satisfaction in our customer satisfaction survey. 



Progressive car insurance review

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4.0 Rating from The Zebra

The nation's third most popular auto insurance company, Progressive holds a market share of more than 13% in the U.S. With more than $33 billion in direct premiums written, Progressive has more customers than USAA, Farmers and Nationwide. Let’s explore what makes Progressive insurance so popular, as well as some common coverage options and discounts.


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The Zebra Customer Satisfaction Survey – 4.3/5: Progressive maintained a 4.0 or above rating in every category except claims satisfaction. 

Claims satisfaction (J.D. Power) — Below average: Progressive earned just-below-average marks in J.D. Power's most recent claims satisfaction study. 

Customer satisfaction (J.D. Power) – Below average: J.D. Power rated Progressive auto insurance as below-average in overall customer satisfaction.

Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive maintains a solid ability to pay out claims.

NAIC Rating – Good: The National Association of Insurance Commissioners (NAIC) received relatively few customer complaints regarding Progressive in 2020.

 

The Zebra Customer Satisfaction Survey – 4.3/5: Progressive maintained a 4.0 or above rating in every category except claims satisfaction. 

Claims satisfaction (J.D. Power) — Below average: Progressive earned just-below-average marks in J.D. Power's most recent claims satisfaction study. 

Customer satisfaction (J.D. Power) – Below average: J.D. Power rated Progressive auto insurance as below-average in overall customer satisfaction.

Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive maintains a solid ability to pay out claims.

NAIC Rating – Good: The National Association of Insurance Commissioners (NAIC) received relatively few customer complaints regarding Progressive in 2020.

 

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Where is Progressive insurance available?

CarrierStates Available
ProgressiveAL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

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

 

Progressive car insurance coverage options

Progressive provides all state-specific and basic coverage options you might need, including liability, uninsured motorist, collision, and comprehensive coverages. Let’s look at some of Progressive’s average rates as well as the custom coverage options and perks the company offers.

 

Progressive name your price tool

Progressive's "name your price" tool does exactly what it says. You tell Progressive how much you want to pay, and the company provides all available coverage options within that price range.

 

Small accident forgiveness

If you're involved in a small collision, your rates won't go up — as long as it's your first claim and damages sum to less than $500. Learn more about accident forgiveness.

 

Large accident forgiveness

If you’ve been accident-free for the past three years and a Progressive customer for at least five years, you may qualify for this program. Progressive's large accident forgiveness perk ensures your rates won't rise if you are involved in a crash.

 

Roadside assistance service

Progressive’s roadside assistance coverage provides lock-out service, fuel delivery, flat-tire changes and battery recharge, regardless of your location.

 

Loan/lease payoff

If you’re financing or leasing a vehicle, consider this coverage. Progressive’s loan/lease payoff is similar to gap insurance. Loan/lease payoff covers the difference between the current value of the vehicle and the original loan (up to 25%).

 

Rental car reimbursement plan

If your vehicle is unavailable after being involved in a covered accident, i.e., not regular maintenance, Progressive will reimburseyour car rental costs. Your policy will specify how much rental car coverage you have. Typical coverage ranges between $30 and $50 per day.

 

Custom parts and equipment value insurance

If you have any high-value alterations to your vehicle — a stereo, custom wheels, or navigation system — consider this adding this coverage to your policy. This will protect anything not installed by the original manufacturer.

 

Rideshare insurance coverage

If you're a rideshare driver, Uber's and Lyft’s coverage options do not fully protect your vehicle while you’re waiting for a trip request. Progressive’s rideshare coverage allows all your coverage (liability, comprehensive, collision) to kick in when you're awaiting a ride request. Once you have a ride request, your Lyft or Uber coverage will kick in. This coverage is usually inexpensive.

 

Deductible savings bank

This coverage option is similar to a vanishing deductible. For every six months that you drive accident-free, your collision and comprehensive deductible will drop by $50. These $50 savings will continue until your deductible hits $0.

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Progressive auto insurance discounts 

Insurance discounts are dependent on certain qualifications and state availability. Below are some of the ways you can lower your monthly rate via Progressive's auto insurance discounts. Learn more about common auto insurance discounts.

Discounts based on the driver or vehicle: 

  • Safe driving discount: Claim- and ticket-free drivers save an average of 31% on their car insurance policies. To qualify, you need to remain accident- and violation-free for at least three years.
  • Multiple vehicle discount:Progressive rewards multi-vehicle customers with a 10% discount. In order to qualify, vehicles must be parked at the listed address on the policy the majority of the time.
  • Good student discount: If you or your student has a GPA of 3.0 or better, you may be eligible for a good student discount.
  • Student away at school discount: The good student discount also applies to students who are 22 years old or younger and live more than 100 miles away from their parents' home.
  • Continuous coverage: Insurers see driverswith insurance history as safe drivers. As such, Progressive will reward you for your years of insurance coverage with its own discount.
  • Homeowners discount:Progressive offers a 10% discount to policyholders who own their homes. Data show homeowners are less likely to file car insurance claims, making them less expensive clients. You are not required to carry home insurance through Progressive in order to qualify for this discount — you just need to own a home.

Discounts based on policy:

  • Multi-policy discount:If you bundle another policy with your auto insurance, you can earn a multi-policy discount. Progressive claims you can receive an average discount of 5% by bundling auto and any one of their other lines of insurance.
  • Sign online: If you sign your paperwork online, Progressive provides an 8% discount on your auto policy.
  • Online quote:Progressive encourages customers to use their online quote system with a 7% discount. This is available even if you start your quote online and finish with a human service provider.
  • Paperless: By signing up for paperless discounts — receiving all policy information via email — you can receive a small discount. This price cut is independent of Progressive’s sign online perk.
  • Pay in full discount: You can earn a discount by paying your insurance premium in full upfront.
  • Automatic payments: If you pay automatically via your bank account, you can earn a discount on your Progressive policy.

 

Progressive Snapshot

Progressive online features and app

Progressive Snapshot

Progressive's Snapshot telematics program is a usage-based insurance program, offering an average of $145 off premiums for drivers who measure their habits with the app. Progressive uses a telematics device to monitor the times of day you drive, sudden changes in speed — like hard braking or rapid acceleration — and your mileage to better predict your driving habits and create your premium. You’ll need to have this telematics data device in your vehicle for one standard six-month policy period before the collected data can revise your insurance premium.


How much does Progressive car insurance cost?

Progressive vs. Competitors.png
Insurance CompanyAverage Monthly Cost
Progressive$104
Allstate$170
Farmers$131
GEICO$94
Nationwide$90
State Farm$108

 

Progressive vs. Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s
Progressive$425$137$120$99$90$93
Allstate$491$209$169$167$157$158
GEICO$259$117$97$93$87$88
State Farm$281$142$106$104$98$96

 

Progressive vs. Competitors by Violation.png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI
Progressive$148$181$153
Allstate$222$237$356
GEICO$137$164$229
State Farm$130$135$157

 

Where is Progressive auto insurance cheapest?

Among the 50 states in which Progressive car insurance is available, the following 10 states rank as the least expensive for Progressive policies:

StateAverage Monthly Cost
Maine$62
New York$70
Virginia$76
North Dakota$86
Idaho$94
California$95
Illinois$99
Oklahoma$103
Delaware$104
Georgia$107

 

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Progressive bundling options

In order to qualify for the multi-policy discount mentioned above, you can bundle your auto insurance policy with one or more other insurance products. Progressive offers several other types of insurance that may be bundled together.

 

Additional insurance products offered by Progressive

Progressive offers other lines of insurance. Two or more products can be combined to create a bundle.

Additional products offered by Progressive include:

Vehicle
 PropertyPersonalBusiness
  • Life insurance
  • Pet insurance
  • Dental insurance
  • Health insurance
  • Travel
  • Umbrella
  • Vision
  • Wedding and event insurance
  • Identity theft
  • Phone and electronic device

Progressive homeowners insurance review

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3.5 Rating from The Zebra

Progressive homeowners insurance is available in all 50 states and Washington D.C., making it available to all qualifying applicants in the United States. Progressive’s home insurance coverage offers all the standard coverages, but further coverage beyond the standard is limited compared to other insurers of similar size. Rates for home insurance with Progressive fall somewhere in the middle when looking at other companies, but they offer plenty of discounts that may help lower your premiums.

According to The Zebra's Customer Satisfaction Survey, Progressive home insurance dipped in ranking for claims satisfaction across demographics. Male homeowners tended to rank Progressive higher than females, and millenials placed this carrier highest among age groups, where Boomers let it fall to the near bottom of their list. 

The Zebra Customer Satisfaction Survey – 4.1/5: While a rating above 4 stars is sufficient, Progressive home ranked last overall among the 15 carriers surveyed.

J.D. Power Rating – Below average: J.D. Power rates Progressive auto insurance as below-average in overall customer satisfaction. 

Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive has a solid ability to pay out claims.

NAIC Rating– Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average regarding Progressive homeowners insurance in 2020.

Where is Progressive home insurance available? 

CarrierStates Available
ProgressiveAL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

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

 

Progressive home insurance coverage options

Progressive’s standard homeowners policy covers all the regular coverages like dwelling, other structures, personal liability, medical payments, personal property, and temporary living expenses. The company also provides some optional coverages that policyholders can add to their policy. Learn more about these additional coverages below.

 

Water Backup

Covers water damage from backed-up sump pumps and sewer systems. 

 

Personal Injury

Covers uncommon but expensive lawsuits and situations. 

 

Progressive Homeowners Insurance Discounts


Discounts based on the homeowner or property

  • Safety and alarm discount: Discounts are available for certain home features such as burglar and fire alarms, as well as automatic sprinklers, security systems and cameras. 
  • New home construction: The newer the home, the bigger discount you can receive. 
  • New purchase:You can earn a discount on your homeowner’s policy if you purchase a new property or switch from a current renters insurance policy. 

Discounts based on the policy

  • Bundle home and auto: Bundling home and another insurance product can earn you a discount of up to 5%. 
  • Quote in advance: Shopping around for your home insurance policy can benefit you in more ways than one. Get your quote at least 10 days before your policy start date and save. 
  • Receive documents by email: Going paperless can also apply a discount to your homeowners premium. 
  • Pay in full: Progressive offers an additional discount for purchasing your policy up front.

 

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How much does Progressive home insurance cost?

Progressive vs. Competitors Home.png
Insurance CompanyAverage Monthly Cost
Progressive$145
Allstate$222
Farmers$155
Nationwide$119
State Farm$122
USAA$127

 


Key Customer Satisfaction Survey findings — Progressive insurance

 

Overall Takeaways

Auto insurance

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness, and willingness to recommend.

Progressive auto insurance — and the company's auto-and-home bundle — placed in the top five for overall ratings, and came in third for online satisfaction across demographics. Progressive is a tech-forward carrier with strong auto insurance offerings.

 

Homeowners insurance

Progressive ranked fairly low in ease, recommendation, and trust against other homeowners insurance carriers, but still maintained a star rating of better than 3 out of 5. While Progressive’s auto insurance and auto and home bundle were satisfactory according to those surveyed, customers seeking a standalone home policy should compare policies before settling on Progressive.

 

Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.

progressive customer survey

Survey highlights

  • Men and women placed Progressive in the fourth position across all categories for auto, so it seems all drivers had similar experiences regardless of gender. 
  • Progressive auto averaged a star rating of 4.3 and did not dip below 4.0 stars in any category.
  • Respondents in the Boomer generation gave Progressive consistently low ranks for homeowners insurance, but the carrier ranked among the top 10 carriers for Millennials. 

 


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Renata Balasco
Renata Balasco LinkedIn

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance content for The Zebra. She holds a bachelor’s degree in communications, and her background in technical content and insurance service informs her writing.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because:

  • We're the first to compare all the major insurance companies side-by-side. The information provided on those insurers here is intended to help inform and educate consumers before they decide where to spend their hard-earned cash.
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