Progressive Auto Insurance

by Tony Arevalo

Progressive Mutual Insurance Company was founded in 1936 by Joseph Lewis and Jack Green. Its headquarters are in Mayfield Village, Ohio. They started out as a small company in the suburbs of Cleveland, and now they have grown to be the fourth largest insurance company in the United States. Progressive is widely known for its TV ad campaigns, which feature a very enthusiastic insurance agent named “Flo.”

We’ve researched Progressive extensively and conducted our own tests to develop the most informative review possible. We also went through numerous Progressive insurance reviews to ensure that we could provide a completely unbiased review for our readers.

Product Overview

Progressive is one of the biggest auto and home insurance companies in the US. It is known for providing some of the most affordable auto insurance coverage policies around. Their coverage options are excellent and have a tool called “name your price.” This tool allows you to build a policy that is tailored to your needs and your budget. On top of this, Progressive also offers some exclusive add-ons like gap coverage and custom equipment coverage.

Features

Progressive car insurance offers all the basic features most insurers do. However, they have other features you’ll be hard-pressed to find from anyone else:

1. Roadside Assistance

In the event that your car breaks down, whether you’re on a mountainside road or in your driveway, you can call Progressive’s customer service line. They will then send a towing service to come and tow your car to the nearest auto shop to get it repaired, and you won’t have to pay a cent! This also applies to getting a flat tire, running out of fuel, or getting locked out of your car. No matter what auto problem you’re having, you can call the Progressive customer service number to ask for assistance.

2. Gap Insurance

Gap Insurance is also known as a loan-lease payoff. This type of add-on is highly recommended for those who own a new car. If the car is totaled in an accident, Progressive will pay off your entire remaining loan amount. That way, you won’t get stuck paying off a loan for a car you no longer use or own. Based on the data we gathered from the best auto insurance reviews, Progressive is one of the very few car insurance companies that offers this feature.

3. Custom Parts & Equipment

Most insurers see vehicles with custom upgrades as risky. For this reason, they usually place a higher premium on policies for these cars. Progressive’s policies cover custom parts and accessories of up to $1,000. They also give policyholders the opportunity to purchase additional coverage if their custom upgrades are beyond $1,000.

4. Pet Injury

Progressive car insurance will cover any veterinary expenses you may incur in the event that your pet gets injured in a car accident. The pet injury coverage is part of your collision insurance, so you would need to pay the deductible to be able to file a claim. If you’re wondering if you can still benefit from this feature if you already have pet insurance, the answer is yes. Progressive’s deductible for pet insurance is much more affordable than your pet insurance policy. This means you’ll be able to save money.

5. Rental Reimbursement

Another highlight in our Progressive auto insurance reviews features how the company will reimburse you for the cost of renting a vehicle while your car is getting repaired after an accident. However, they will only cover the bill of the rental car for up to 30 days, and the coverage limit only goes up to $50 per day.

Financial Strength

Progressive has been awarded an A+ by A. M. Best for financial standing. An A+ is a superior rating, which means that the company is in excellent financial health. You can be assured that you will get paid in the event that you file a claim. However, as you’ll see in the Customer Service section, some Progressive car insurance reviews have noted issues with their claim reimbursement.

Types of Insurance Coverage Offered

  1.      Liability Coverage
  2.      Collision Coverage
  3.      Comprehensive Coverage
  4.      Uninsured/Underinsured Bodily Injury
  5.      Uninsured Motorist Property Damage
  6.      Medical Payments

Customer Service

Progressive’s customer service is nothing to write home about. If anything, this is one aspect of the company that sets it back from other insurers. We’ve experienced long waiting times when calling the Progressive customer service line.

Their claims process is another letdown for this company. According to Progressive insurance claims reviews, you can expect a lot of back and forth before your claim gets paid. From what we’ve seen, most of these customers got so frustrated with the claims process that they decided to file a complaint. In fact, you’ll see that most of the complaints are about the company not delivering on their promises when you look at Progressive Insurance reviews in BBB.

The ratings of Progressive auto insurance in the customer service department


The industry experts confirm this narrative. Progressive has a rating of 3 stars out of 5 in J.D. Power’s 2018 study for both claims satisfaction and insurance shopping, ranking in the lower tier for those categories.

Discounts Offered by Progressive

Progressive offers the standard set of discounts given to car insurance policyholders. However, their Snapshot program sets them a notch higher than their competitors. Overall, it offers a useful discount to Progressive customers and is easy to use. Meanwhile, the other discounts offered by Progressive are a little easier to qualify for.

Progressive Auto Insurance Snapshot Review

Progressive’s Snapshot program is a great opportunity for you to get significant discounts off your premium. It is usage-based insurance, and the discount you can get is based on your driving habits. This means, the safer you drive, the bigger the discount you’re going to get.

In order to qualify, you must voluntarily sign up for the program, according to other Progressive auto insurance Snapshot reviews. This automatically entitles you to an average of $25 off your premium. Then you can either download the Snapshot app on your smartphone or you can opt for the plug-in device which you would have to install on your vehicle, and that’s it!

The Snapshot app on your smartphone or the plugin device installed on your car will monitor your driving behavior and send reports back to Progressive. Actions such as hard braking or driving too fast will cause the device to beep. According to Progressive auto insurance reviews, the fewer beeps you get, the greater your chances are of getting a higher discount.

However, keep in mind that it works both ways. If you exhibit unsafe driving habits, your premium could go higher. That said, be sure to evaluate your driving skills before you sign up for the program. Nevertheless, there’s a chance your premium will go up if you add on the Snapshot feature—two out of ten Progressive reviews have reported this happening.

Other Discounts

Here are a few of the other discounts Progressive offers:

Start Your Quote OnlineAll you need to do is request a quote online and complete the purchase by calling in.

Safe DriverYou can unlock this discount if you’ve been a Progressive auto policyholder for three years and haven’t received a driving ticket or had an accident during that time.

MulticarIf you own more than one car, insuring all of them with Progressive entitles you to a discount.

Sign Documents OnlineSign all your insurance documents online.

Pay in FullPay your premiums in full.

Automatic Bill PaySet up an auto debit agreement or automatic recurring payment for your insurance payments.

About Progressive Auto Insurance Rates

According to the data we gathered from reviews on Progressive Insurance, the company offers the lowest rates out of all the insurance providers we tested. Progressive even offers excellent prices for drivers who have a record of previous violations.

Progressive Auto Insurance Rates

We’ve compared the different quotes given by this company for different driver segments, and we found that Progressive offers the most affordable policies for all age demographics. This finding is based on the careful research we conducted for this Progressive direct auto insurance review.

Progressive Auto Insurance Prices Compared to Top Competitors


Compared with Geico, the second cheapest option on the market, Progressive is $27 cheaper for a 21-year-old driver, $29 cheaper for a 40-year-old driver, and $5 cheaper for a 70-year old driver. On top of this, the company offers some excellent discounts that can lower the premium even further, and it even has amazing rates for drivers with a previous car accident. Those belonging to this category can save as much as $450 off their premium if they purchase their policy from Progressive. If you’re working on a tight budget, Progressive should definitely be near the top of your shortlist.

Progressive Home Insurance

If you are looking for an affordable insurance policy, Progressive is definitely worth considering. Additionally, bundling home and auto insurance can reduce the premium even further. However, it might be worth noting that according to the Progressive home insurance reviews we studied, this company uses multiple third-party companies to handle the underwriting for their home insurance policies. This means you will be at the mercy of these companies in the event of needing to file a claim.

Nevertheless, Progressive home insurance policies are some of the most affordable among the 10 biggest insurers in the country. In fact, Allstate is the only other company that offers a lower rate for coverage policies amounting to $150,000 or under. This means that Progressive is a great choice for home insurance as long as you are willing to do a little bit of research on the underwriter in your location.

Progressive Auto Insurance Rate Comparison

Comparing car insurance companies is not easy. You have to carefully look at every parameter, not just their rates. To make things easier for you, we took the liberty of comparing Progressive Insurance with three of the most popular insurers in the country.

Progressive Auto Insurance Compared with Top Competitors

Progressive vs. Allstate

Allstate is the second largest insurance company. While Progressive is ranked as the fourth, both companies have very similar offerings in terms of coverage and added benefits. When it comes to price, we found that Allstate quotes are higher than Progressive on average. However, when comparing Allstate to Progressive auto insurance reviews, the latter offers a lot more discount opportunities, and if you qualify, you’ll be able to enjoy significant savings off your premium.

Both companies were given an A+ by A. M. Best for their financial stability and have been rated 3 out of 5 stars by JD Powers for user satisfaction. If you are particular about this, you might want to move on to comparing Progressive with another insurer—while our research found Progressive insurance reviews that gave their customer service less than satisfactory ratings, Allstate still has a higher number of customer complaints.      

Progressive vs. State Farm

Standing at number 43 on the Fortune 500 list, State Farm is the largest auto insurance company in the world. However, this company offers more than just car coverage policies. They have a wide range of insurance products, financial planning resources, and identity protection tools. This makes them a great option if you are looking for a company that can handle all your insurance needs. So how does State Farm compare to Progressive?

Founded in 1922, State Farm is older than Progressive by 15 years. However, it seems that the latter has done better with keeping up with the times. Progressive pioneered the service of providing a car insurance quote online. Meanwhile, State Farm stands by its slogan, “Like a good neighbor, State Farm is there,” and offers local insurance agents alongside their intuitive website and mobile app. Despite Progressive trailblazing the insurance industry with their technological advancements, State Farm still maintains a higher score when it comes to customer satisfaction.

As far as rates go, Progressive takes the cake. While both companies offer attractive discount opportunities, Progressive still offers a lower bottom line at the end of the day. However, keep in mind that you have to also consider the quality of a company’s customer service and claims process when it comes to choosing an insurance company. While Progressive offers more affordable rates, a few Progressive insurance company reviews show that their customer service and claims process leave much to be desired, and this is where State Farm stands out the most.

Progressive vs. Travelers Insurance

Like Progressive, Travelers Insurance is another big player in the auto insurance industry. It is also one of the oldest. Needless to say, it is probably one of the most stable insurers you will come across. In fact, it has an A++ A. M. Best financial strength rating, which is higher than the Progressive Insurance Company rating of A+. But how does it fare in other aspects?

Unlike Progressive’s “name your price” feature, Travelers offers shoppers a five-step guide on how they’ll be able to build the best auto insurance coverage policy that matches both their needs and their budget. Both companies cater to all 50 states in the US and have very useful websites and mobile apps. However, Travelers is able to provide more support to shoppers and policyholders because they have over 14,000 independent agents under their umbrella.

They both offer competitive coverage policies and rates, but Travelers provides more supplemental coverage options and discount opportunities. The Progressive insurance reviews actually show the company winning out when compared to the Traveler’s claims process. According to the reviews we’ve read, the Travelers claims process is much more frustrating than Progressive’s. If you are looking for a company that can provide a stress-free claims process, you might want to look outside of these two companies. Between the two, though, you might be more satisfied with the service you’ll receive from Progressive.

Best Alternatives

While Progressive offers great auto insurance coverage, it might not be for everyone. Progressive auto insurance reviews show that this is especially true for those who would rather pay a higher price for their policy as long as they are guaranteed exceptional customer service throughout the lifetime of their policy. If you are one of them, the best alternatives for Progressive are Auto-Owners, Erie, and Amica Mutual.

Amica Mutual and Erie are not as big  as Progressive and State Farm, but out of all car insurance companies, they rank among the best in our auto insurance reviews. Aside from their very attractive coverage policies and add-ons, their customer satisfaction rating is exceptional. This makes it a worthy alternative to Progressive.

The older drivers might want to check The Hartford insurance too. The company is offers excellent rates while the AARP membership offers additional advantages. Safe drivers and those looking for numerous discounts may find want to look at what American Family offers. Similar to Hartford, this company also has excellent rates for older customers.

Expert Thoughts

Despite Progressive’s frustrating customer service and claims process, we still consider it one of the best car insurance companies in the country. Their rates are affordable, their coverage packages are very attractive, and you can enjoy significant savings if you qualify for their discounts.

However, we do think that Progressive is only ideal for a few drivers, which we’ve seen verified in other car insurance reviews. We highly recommend it for drivers with a history of car accidents because if there is one insurance company that’s most forgiving to these drivers, it’s Progressive. You won’t find any other policy that’s priced lower for these drivers.

The next segment of drivers who will benefit most from Progressive’s policies are those who like to install custom upgrades on their cars. Unlike other insurers, Progressive doesn’t have a problem with covering the custom parts and equipment you install on your vehicle.

On the other hand, based on other Progressive car insurance reviews, drivers under the age of 25 would be better off getting auto insurance quotes from different companies and comparing them with Progressive before making a purchase.

Frequently Asked Questions

1. Is Progressive good for auto insurance?

In general, Progressive is a very good insurance company, especially when it comes to their auto policies. The company is in excellent financial health, and there have been no reports of claims not getting paid. The only issue you might encounter is waiting on the phone when you call their hotline and the amount of work required on your end to secure all of the documents you need to file a claim, as seen in many Progressive auto insurance reviews. But if you’re a patient person, this shouldn’t be a problem.

2. What is Progressive’s A. M. Best rating?

Progressive Insurance has been given an A+ rating by A. M. Best. This means that the company is in excellent financial health and can pay off what it owes.  

3. How do you receive Progressive discounts?

You need to meet certain requirements to qualify for Progressive’s discounts. There are discounts which you can take advantage of even before you finalize your purchase, like requesting a Progressive insurance quote through their website or signing your insurance documents online. The discount you will get from Snapshot is automatically applied to your total premium once you qualify, so you can expect your monthly payments to adjust from time to time.

4. Progressive vs. Geico, which is better?

Progressive and Geico offer very similar coverage packages. Additionally, they offer the lowest prices in the market. The thing is, though, Geico follows a direct-to-consumer business model. This means they don’t have independent agents you can talk to in case you have questions or need help with filing a claim, unlike Progressive Car Insurance. Geico is a do-it-yourself kind of insurance company, so if you’re not into that kind of thing, you would be better off sticking with Progressive.

5. What is Progressive Snapshot?

Snapshot is one of Progressive’s discount programs. You have to voluntarily sign up for the program so your driving behavior can be tracked by the Snapshot mobile app or the plugin device you will install on your car. If you consistently display safe driving habits, Progressive can give you a discount on your premium. However, you need to keep in mind that it also tracks bad driving habits and if it does, there is a possibility that your premium might go up so make sure to read up on Progressive insurance reviews to find out more about Snapshot.

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