Progressive Car Insurance Review

Progressive earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners, and financial strength ratings.

The country’s third-largest auto insurance company, Progressive offers insurance for just about anything with a motor. Progressive offers a lengthy slate of discounts and a wide range of coverage, including rideshare insurance and coverage for pets injured in a car accident.

Progressive Car Insurance Rate Comparison for Good Drivers

Progressive has middle-of-the-road car insurance rates for drivers with clean driving records when compared to top competitors. Progressive car insurance is cheaper than Allstate and Farmers on average, but more expensive than Geico and State Farm when it comes to good drivers.

Even great drivers will find that rates vary considerably among insurance companies, so shopping around can pay off.

Company	National average annual rates
Geico	$1,182
State Farm	$1,402
Progressive	$1,892
Allstate	$2,022
Farmers	$2,124

Progressive Car Insurance Rate Comparison for Drivers With a Speeding Ticket

Progressive has high rates for drivers with speeding tickets compared to its competitors. One speeding ticket increases a Progressive car insurance policy by more than $500 on average, according to a Forbes Advisor analysis.

It’s wise to shop around for car insurance after you get a speeding ticket or into an accident. As you see below, rates vary significantly among insurance companies. That’s because they have different methods for assessing risk and for pricing policies.

Company	National average annual rates
Geico	$1,579
State Farm	$1,607
Allstate	$2,301
Progressive	$2,442
Farmers	$2,743

• Also Read: Is American Home Shield Actually Worth It? An Honest Review (2023)

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

Progressive auto insurance customers pay more than $1,000 on average after they cause an accident with an injury. That’s a much higher increase than State Farm, which only increases rates by about $300 after the same situation.

There’s much more that goes into car insurance than how much your rate increases after an accident. For instance, you should take into account the company’s customer service record and how well you match up with their discounts, so don’t drop your insurance company strictly on how much it increases rates.

Company	National average annual rates
State Farm	$1,713
Geico	$2,097
Progressive	$2,975
Farmers	$3,049
Allstate	$3,133

Progressive Car Insurance Rate Comparison for Drivers With a DUI

Car insurance companies differ greatly when it comes to calculating rates after a DUI. Some insurers like Geico may more than double your car insurance rates. However, others like Progressive may only increase rates by a few hundred dollars.

Our analysis of national rates found that Progressive increases premiums $528 on average for drivers with a DUI. That’s the cheapest average rate increase after a DUI compared to its competitors and second-lowest overall rate among top competitors.

Company	National average annual rates
State Farm	$1,942
Progressive	$2,420
Geico	$2,967
Farmers	$2,980
Allstate	$3,061

Progressive Car Insurance Rate Comparison for Drivers With Poor Credit

Progressive charges much higher rates for drivers with poor credit compared to Geico, but it’s also in line with other competitors. Even with less-than-stellar credit, you can save on coverage by comparison shopping. The difference between the highest average rate for drivers with poor credit ($3,826) and the lowest ($1,679) is more than $2,000, based on a Forbes Advisor analysis of large insurance companies.

California, Hawaii, Massachusetts, and Michigan don’t allow insurers to consider a person’s credit history when determining car insurance rates.

Company	National average annual rates
Geico	$1,679
Allstate	$3,105
Progressive	$3,121
Farmers	$3,550
State Farm	$3,826

• Also Read: Roto-Rooter Review: What to Know Before Hiring in 2023

Progressive Car Insurance Rate Comparison for Adding a Teen Driver

Adding a teen to a parent’s policy leads to one of the biggest rate hikes in car insurance. State Farm has the lowest average national rate increase—and even so increases average rates by about $1,000 annually.

Progressive charges nearly $3,000 more on average when a customer adds a teen to their policy, which is the highest average rate hike among top competitors. Make sure to ask about potential discounts when adding a teen, including good student discounts.

Company	$ Increase for adding a teen driver
State Farm	$1,003
Geico	$1,958
Farmers	$2,042
Allstate	$2,448
Progressive	$2,968

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

Younger drivers usually pay higher rates than drivers with more experience. Progressive is on the high end when comparing competitors’ rates for young drivers.

Insurers gauge risk on multiple factors and Progressive is one that puts more emphasis on a driver’s experience. The average annual rate for drivers between ages 18 and 25 is more than $3,600, which is more than double the average Geico rate for this age group.

Company	National average annual rates
Geico	$1,783
State Farm	$2,407
Allstate	$3,358
Progressive	$3,612
Farmers	$3,876

Progressive Car Insurance Rate Comparison for Senior Drivers Age 65+

Progressive doesn’t set rates as high for senior drivers as it does for younger drivers. The insurance company has middle-of-the-road average annual rates for drivers ages 65 and over. Geico and State Farm are much cheaper for this age group.

If you’re a senior driver and feel you’re paying too much for insurance, getting quotes from multiple companies is wise. You may be able to find a company that has lower rates or offers senior driver discounts.

Company	National average annual rates
Geico	$1,197
State Farm	$1,423
Progressive	$1,940
Allstate	$2,244
Farmers	$2,385

• Also Read: What Is Ethereum and How Does It Work?

Auto Insurance Complaints Against Progressive

The level of auto insurance complaints against Progressive is lower than the national average but higher than Allstate, State Farm and Geico.

Progressive’s Grade from Collision Repair Professionals: C

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.

• Also Read: Understand The Benefits Of Using A Business Credit Card

Does Progressive Offer Accident Forgiveness?

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.

Does Progressive Offer New Car Replacement?

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.

Does Progressive Offer Gap Insurance?

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.

Does Progressive Offer a Diminishing Deductible?

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 each 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.

Does Progressive Offer SR-22s?

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.

Does Progressive Offer Usage-Based Insurance?

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

Does Progressive Offer Pay-Per-Mile Insurance?

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.

Does Progressive Offer Rideshare Insurance?

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.

About Progressive Car Insurance

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 them 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, and has 20.4 million insurance policies in force. It sells insurance for cars, RVs, ATVs, classic cars and boats. For drivers who prefer more unique forms of transportation, Progressive also offers Segway, Sea-Doo, snowmobile and golf cart insurance.

Optional auto insurance coverage types include roadside assistance, custom parts coverage, and rental reimbursement insurance.

Progressive’s Auto Insurance Discounts

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:

• Multi-policy discount: Do you have multiple policies with Progressives such as home and auto insurance? If so, this discount can save you up to 5%.
• Multi-car discount: Save up to 4% by insuring more than one vehicle on your Progressive auto insurance policy.
• 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.
• Teen driver discount: Progressive offers discounts for teen drivers on your policy to help offset the cost of adding an inexperienced driver.
• Good student discount: If you add a student to your policy and they maintain a “B” average or better, ask about this 10% 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.
• Homeowner discount: Even if you don’t insure your home through Progressive, you could receive up to 10% off your policy for being a homeowner.
• Online quote discount: If you get a quote online for a Progressive policy you could receive up to 7% off your policy.
• Sign online discount: Progressive will take up to 9% off if you sign your policy documents online.
• 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.
• 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.

More Insurance from Progressive

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, dental, phone and electric device, health, travel, umbrella, vision and pet insurance. You also can find financial services, such as personal loans and car shopping services.

Progressive Insurance Mobile App

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’s Charitable Causes

Established in 2001, The Progressive Insurance Foundation gives back to communities by supporting causes and organizations that Progressive employees care about. When employees donate any amount from $20 to $3,000 to a qualified nonprofit, they can request a matching gift. The Foundation will match those donation dollars up to 100%. Matching gift donations depends on the number of requests and Progressive’s profitability for the year.

Additionally, Progressive encourages its employees to give back through volunteerism and other charitable efforts.

Other causes that Progressive supports include:

• The Keys to Progress program: Since 2013, Progressive has given over 750 vehicles to veteran-focused organizations and provides various types of transportation to serve veterans.
• Reducing homelessness: Progressive helps furnish homes for the homeless in a partnership with Humble Design.