Progressive insurance overview for 2021
As one of the most popular insurance companies in the United States, it’s no surprise that Progressive offers a variety of coverage options, insurance products and discounts. Let’s take a closer look at Progressive’s car and homeowners insurance details and how its rates compare against its competitors.
Progressive reviews- table of contents
- Progressive auto insurance
- Progressive bundling options
- Progressive homeowners insurance
- How to cancel your policy
- Progressive online features and apps
- Compare Progressive with other companies
Progressive car insurance review
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.
- JD Power Rating–Below average: JDPower 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 – Good:The National Association of Insurance Commissioners (NAIC) received relatively few customer complaints regarding Progressive in 2020.
Pros and Cons of Progressive auto insurance
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Where is Progressive insurance available?
| Carrier | States Available |
| Progressive | AL, 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.
Find the most affordable rate by comparing quotes.
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.
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 here.
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 be 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 fora 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 drivers with 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'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.
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How much does Progressive car insurance cost?
| Insurance Company | Average Monthly Cost |
|---|---|
| Progressive | $104 |
| Allstate | $170 |
| Farmers | $131 |
| GEICO | $94 |
| Nationwide | $90 |
| State Farm | $108 |
| Insurance Company | Teens | 20s | 30s | 40s | 50s | 60s |
|---|---|---|---|---|---|---|
| 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 |
| Insurance Company | Speeding Ticket | At-Fault Accident | DUI |
|---|---|---|---|
| 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:
| State | Average Monthly Cost |
|---|---|
| Maine | $62 |
| New York | $70 |
| Virginia | $76 |
| North Dakota | $86 |
| Idaho | $94 |
| California | $95 |
| Illinois | $99 |
| Oklahoma | $103 |
| Delaware | $104 |
| Georgia | $107 |
Progressive bundling options
In order to qualify for the multi-policy discount listed 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 several other lines of insurance to fit your coverage needs. Two or more may be combined to create a bundle. Additional products offered include:
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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.
- JD Power Rating–Below average: JD 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 regarding Progressive homeowners insurance in 2020.
Pros and cons of Progressive home insurance
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Where is Progressive home insurance available?
| Carrier | States Available |
| Progressive | AL, 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.
Affordable insurance is just a few clicks away.
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.
Find the right coverage at the right price.
How much does Progressive home insurance cost?
| Insurance Company | Average Monthly Cost |
|---|---|
| Progressive | $145 |
| Allstate | $222 |
| Farmers | $155 |
| Nationwide | $119 |
| State Farm | $122 |
| USAA | $127 |
See how much you can save by comparing quotes.
How to cancel your Progressive insurance policy
While it’s not possible to cancel online, Progressive will process a cancelation over the phone, by email or through the mail. Contact your insurance agent via phone or call customer service to cancel your policy. When contacting Progressive, be sure to have your policy documents on hand for reference.
Progressive online features and apps
Progressive’s website offers a comprehensive view of products available, endorsement opportunities, and frequently asked questions. You can also:
- Get a free quote
- Compare their rates with other insurance companies
- Manage your account online, including payments, ID cards, and claims status
The Progressive mobile app makes it easy to retrieve ID cards quickly, view your policy information, make payments, report claims, call roadside assistance, and explore Progressive products.
Compare Progressive with other companies:
- Progressive vs. 21st Century
- Progressive vs. Allstate
- Progressive vs. Allied
- Progressive vs. American FamilyProgressive vs. American Family
- Progressive vs. Amica Mutual Insurance
- Progressive vs. Auto Club (AAA)
- Progressive vs. Erie
- Progressive vs. Esurance
- Progressive vs. Farm Bureau Mutual
- Progressive vs. Farmers
- Progressive vs. Foremost
- Progressive vs. GEICO
- Progressive vs. Infinity
- Progressive vs. Liberty Mutual
- Progressive vs. Mercury
- Progressive vs. Metlife
- Progressive vs. Nationwide
- Progressive vs. North Star
- Progressive vs. Root
- Progressive vs. Safe Auto
- Progressive vs. Safeco
- Progressive vs. State Farm
- Progressive vs. The General
- Progressive vs. The Hartford
- Progressive vs. Titan
- Progressive vs. Travelers
- Progressive vs. USAA
Learn more about Progressive at progressive.com
