Auto Insurance Review
Key takeaways
Progressive ranks #4 for affordability among major car insurance carriers, with average rates of $324 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #5 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #3 — see the coverage section below for which add-ons set Progressive apart.
Progressive ratings
How much does Progressive cost?
Progressive car insurance costs drivers $324 monthly on average, or $3,888 annually — -8% compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Progressive typically prices different driver profiles.
Avg monthly
$324
Avg annual
$3,888
vs. national avg
-8%
How Progressive compares
−8% below the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Adult drivers (clean record) | $275 | $324 | #4 |
| Young drivers (18–25) | $713 | $810 | #4 |
| Senior drivers (65+) | $308 | $356 | #4 |
| Drivers with one accident | $454 | $535 | #6 |
| Drivers with a DUI | $648 | $745 | #7 |
| Drivers with bad credit | $551 | $616 | #6 |
Progressive earns #5 overall in our auto rankings — the kind of performance that rewards a closer look, not a coin flip.
Progressive reputation
Progressive ranks #5 in QuoteYeti's customer experience study for car insurance. The score blends J.D. Power survey data, NAIC complaint ratios (1.04 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customer feedback is mixed; some praise specific service areas while others report frustration with claims complexity.
Step 01
Buying process
Buying coverage from Progressive has been generally adequate, though not without friction for most drivers. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at Progressive varies in quality — the mobile experience is reasonable, but complex changes often require phone or agent support. The mobile app is rated among the best in its category.
Step 03
Claims experience
Claims handling at Progressive is mixed — NAIC complaint data is somewhat elevated, suggesting friction in some claim scenarios. For straightforward claims (windshield repairs, minor incidents), most drivers report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A+ (Superior) | Superior ability to meet financial obligations |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | AA | Very strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 689/1,000 | Below industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 1.04 | More complaints than expected — investigate before purchasing |
Progressive discounts
Progressive offers 6 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Snapshot (Telematics) | Up to 30% | Safe driving in the first 6 months unlocks lasting discounts |
| Multi-Policy | Up to 12% | Bundle auto with home, renters, condo, or another product |
| Multi-Car | Up to 12% | Insure two or more cars on the same policy |
| Continuous Insurance | Up to 15% | Prior coverage with no lapses in the last 12 months |
| Online Quote | Up to 7% | Complete and purchase a quote entirely online |
| Pay In Full | Up to 15% | Pay your premium upfront instead of monthly |
Progressive coverage options
Progressive offers a comprehensive coverage menu typical of major car insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Loan/Lease Payoff | Gap between your car's value and the remaining loan balance after a total loss | Especially important for new cars that depreciate quickly |
| Rental Car Reimbursement | Rental costs while your vehicle is repaired from a covered loss | Daily and per-claim limits apply |
| Custom Parts and Equipment Value | Aftermarket parts and equipment up to selected limits | Covers stereos, custom rims, lift kits, and similar add-ons |
| Pet Injury Coverage | Veterinary bills for pets injured in a covered accident | Included automatically with collision coverage |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Snapshot® usage-based program offers up to 30% discount for safe drivers
- Name Your Price® tool helps build coverage to fit budgets
- Strong multi-policy discount for bundling home and auto
- Wide availability across all 50 states with strong digital tools
- Robust comparison-quote tool shows competitor rates side-by-side
What's not
- Top con Rates often increase at first renewal after introductory pricing
- Snapshot can also raise rates for risky driving habits like hard braking
- Mixed customer reviews on claims resolution speed
- Less competitive pricing for drivers with multiple incidents on record
Our verdict
The bottom line
Progressive earns an overall score of 4.22/5 in QuoteYeti's car insurance provider rankings. The carrier ranks #5 nationally, with particular strength in coverage breadth.
Progressive is best suited for drivers who want a balance of price and service from an established carrier. Rates often increase at first renewal after introductory pricing is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is Progressive a good car insurance company?
Progressive is a legitimate car insurance carrier with a financial-strength rating of A+ (Superior). It ranks #5 overall and #4 in affordability in QuoteYeti's editorial comparison of major car insurance providers.
How much does Progressive car insurance cost?
Progressive averages $324 monthly ($3,888 annually) — -8% versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Progressive typically prices different drivers.
What discounts does Progressive offer?
Progressive offers 6 primary discounts, including Snapshot (Telematics), Multi-Policy, Multi-Car. See the full discount table above for eligibility and average savings.
Does Progressive have good claims handling?
Progressive's NAIC complaint ratio is 1.04 (1.00 is the industry average, so lower is better). This is above the industry average, suggesting some friction in claims for some customers. J.D. Power claims scores rate 689/1,000.
Should I choose Progressive or a competitor?
Progressive is strongest for drivers who want established carrier reliability. Compare quotes from at least three carriers — Progressive's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for drivers in different situations.
How we rated Progressive
QuoteYeti's car insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple drivers profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.