Progressive Insurance Review (2026)
- Overall rating: solid (4/5 stars)
- Average cost: $1,086 for a 6-month policy
- 88% of customers recommend Progressive
Read more below to get a quote directly from Progressive.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Progressive Insurance: A solid choice for most shoppers
A broad list of discounts, extra coverage options and below-average prices among similarly-sized carriers earn Progressive a solid rating from experts at The Zebra.
Our customers generally agree, according to the respondents to our survey. Progressive customer service has garnered mixed reviews, but affordable premiums and widespread availability make up for this.
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Snapshot discount: Progressive's telematic device is well-liked by customers for its ability to lower premiums
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Affordable liability coverage: Progressive's average rate for a liability-only policy ($344) is one of the most affordable in the country.
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Rate hikes after claims: Customers report significant increases post-claim.
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Difficult or poor app experience: Progressive's app scores in the bottom percentile of insurance companies.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Progressive car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Progressive is about $1,086.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $344 | $1,086 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Progressive stacks up against competitors →
Discounts offered at Progressive: more options than competitors
Progressive stands out with its extensive list of available discounts. Along with the common options you'll find elsewhere— such as multi-policy, continuous insurance, and homeowner discounts— Progressive also offers unique opportunities to help customers lower their premiums.
Progressive's Name Your Price tool does exactly what it promises: you set your budget, and they provide a range of coverage options that fit within it.
The Snapshot program uses telematics to personalize your rate based on your actual driving habits. The safer you drive, the more you can save — Progressive advertises an average savings of $231 per year. Read more about Snapshot.
Progressive offers Accident Forgiveness to help prevent rate increases after certain claims. Small accident forgiveness ensures your rate won't go up for your first claim under $500, starting with your first policy term. Large accident forgiveness protects your rate if you've been claim- and violation-free for five years, while additional benefits can be purchased to forgive one accident per policy period.
| Discount | Average savings | Discount | Average savings |
|---|---|---|---|
| Multi-policy | Varies | Distant student | Varies |
| Multi-vehicle | 12% | Online quote | 7% |
| Continuous coverage | Varies | Sign online | 9% |
| Homeowner's discount | Varies | Paperless | Varies |
| Teen driver | Varies | Pay in full | Varies |
| Good student | 10% | Autopay | Varies |
To learn more about each discount Progressive has to offer, see their discounts page.
Compare with other companies
See how Progressive stacks up against similar companies
Progressive's customer service & claims experience: A mixed bag
Progressive's customer service varies widely depending on the issue. While routine tasks like managing your policy or handling claims are easy and efficient through their digital platforms, dealing with disputes or complex claims can be more time-consuming.
Thinking about Progressive?
Do I need to put everyone in my household on my Progressive policy?
How do I cancel my Progressive insurance?
Is Progressive customer service easy to work with?
What is the grace period with Progressive?
Progressive Customer Survey results
88% of customers recommend Progressive
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Progressive was rated in individual categories by expanding the section below.[2]
Source: The Zebra
How much will your rates climb after filing a claim with Progressive?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,098 |
| One comp claim | $1,238 |
| Two comp claims | $1,317 |
| At-fault accident - $1000-$2000 | $1,647 |
| At-fault accident - greater than $2000 | $1,746 |
Source: The Zebra
Progressive's claims process is accessible online and via their mobile app, making it convenient for policyholders. While simple claims are often resolved quickly, more complex cases can lead to longer wait times. Customer satisfaction surveys consistently place Progressive in the middle tier, indicating they offer reliable service but may struggle with handling complicated claims efficiently.
Coverage options: Flexible and customizable
Beyond the standard coverage offerings you's expact from any carrier— like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection— Progressive offers a wide array of unique coverages.
✔️ Custom parts and equipment
✔️ Loan/lease payoff
Confirming your coverage is also easy to do on your Progressive declarations page.
Carrier pulse: Recent news from Progressive
- Progressive recently saw their JD Power score lessen to the lowest number in years. This indicates that customer have been less than thrilled with the service they are receiving.[3]
Final thoughts: Is Progressive right for you?
Progressive offers a solid balance of competitive pricing, especially for drivers who participate in their Snapshot program, and a robust selection of coverage options for those who want to customize their policies. However, the company's claims process has been reported as slow for complex issues, and rate increases after claims are common.
Frequently Asked Questions about Progressive
Get quotes from Progressive and other top companies
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Survey. The Zebra
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2025 U.S. Auto Insurance Study. J.D. Power
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
