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Shopping for car insurance can be tricky. Pay too little, and you may end up with insufficient coverage. If you pay too much, you waste money on coverage you don’t need. We researched the best auto insurance companies, including Progressive, to see which programs are affordable and worth your consideration. During our Progressive auto insurance review, we found that this well known, national provider ticks all the right boxes.

Keep reading to learn more about its coverage, cost and customer service, then get a quote using the form below.

Table of Contents:

Provider Overview: Progressive

Based in Ohio, Progressive entered the car insurance market as a mutual insurance company in 1937 with a vision to provide affordable protection to vehicle owners. As one of the largest auto insurance companies in the U.S., it wrote more than $27 billion in private passenger auto premiums in 2018 with a market share of 11%

Progressive holds the title for having many “firsts” in the business, including the first drive-in claims location, the first auto insurance to allow customers to buy insurance on the phone and online, and the first provider to offer pet injury coverage. 

In addition to car insurance, this Fortune 500 company also offers more than 30 other insurance products across the vehicle, property, finance, personal and commercial categories. Progressive sells its policies online, over the phone and through independent agents. 

Progressive Auto Insurance Coverage Options

Progressive offers all of the standard car insurance coverage options with a few extras that can help tip the balance in its favor for some customers. However, the limits and availability of these coverages vary. 

  • Liability Coverage: Liability coverage is the most basic coverage you need on the road. It’s required by law in almost every state and provides protection if you are at fault in an accident. It can be classified into two types: bodily injury (BI) liability and property damage (PD) liability. BI liability pays for medical expenses, lost income and legal fees if you injure someone in an accident. PD liability covers damages to another person’s car or property. If you choose to buy your auto insurance from Progressive, you can either choose the state minimum coverage or pay more to get better coverage.
  • Comprehensive Coverage: Comprehensive coverage offers protection for your car from damage from events such as fire, theft, vandalism and weather. A deductible will apply.
  • Collision Coverage: Collision coverage offers protection for damages to your car in an accident, regardless of fault. Similar to comprehensive coverage, it comes with a deductible. Collision coverage from Progressive also includes vet bills up to a limit if your pet is injured in the accident. 
  • Uninsured/Underinsured BI Coverage: If you or your passengers are injured in an accident with an at-fault motorist with no or very little insurance, this coverage will cover your medical bills up to defined limits.
  • Uninsured/Underinsured PD Coverage: This coverage will pay for damages to your car if you are in an accident with an at-fault motorist with no or inadequate insurance.
  • Medical Payments or Personal Injury Protection: If you are in an accident, this coverage will pay for medical (and funeral) expenses for you and your passengers, regardless of fault. It will also apply if you were a passenger in another vehicle or were hit by a car while walking on the road or riding a bike.

Optional Add-ons for Your Progressive Car Insurance

  • Roadside assistance: This provides emergency roadside services like towing, battery jumpstart, flat tire change and gas delivery.
  • Loan/lease payoff: This helps cover the difference between your car’s actual cash value and the remaining amount you owe on your car loan.
  • Rental car reimbursement: This pays $30 to $50 for a rental car while your car is being repaired because of a covered accident.
  • Custom parts and equipment value: This provides coverage up to $5,000 for custom car parts or equipment (custom tires, navigation systems, etc.).
  • Rideshare coverage: If you drive for Uber, Lyft or another service, Progressive will cover you while you’re logged into the app and waiting for a customer. Coverage is the same as your policy.
  • Deductible savings bank: If you add this feature to your Progressive car insurance, it will lower your collision and comprehensive deductible by $50 every six months you don’t file a claim.

Progressive Car Insurance Costs and Discounts

Car insurance rates depend on a number of factors, including your location, driving record, insurance history, age, and vehicle. According to Progressive, customers in low-cost states like Idaho or Iowa pay $137 per month on average. The rate goes up to $167 per month in medium-cost states like Illinois or Arizona and up to $232 in high-cost states like Pennsylvania or New York.

Will Progressive Raise My Rate?

There is a common misconception that Progressive increases its rates after six months, but this is not necessarily true. However, Progressive recalculates its policies every six months. 

You can expect your rate to go up if you:

  • Got a speeding ticket
  • Were in an accident
  • Moved to a new home in a highly populated area
  • Purchased a new vehicle and added it to your policy
  • Had a significant drop in your credit score
  • Added a new driver during this period

Sometimes, insurance premiums can also increase if your area is seeing a high rate of claims due to theft, weather, or accidents. 

Progressive Car Insurance Discounts

According to the company, drivers who switch to Progressive car insurance pay $796 less on average in the first year. We believe that the huge number of discounts that it offers may have something to do with it. Apparently, 99% of Progressive customers qualify for at least one discount. 

Please note that the discount limits and the availability of discounts vary by state. The automatic payment, pay in full, paperless, sign online, online quote, homeowners, distant student, good student, and continuous insurance discounts are currently not available in California and New York.

Type of Discount

Average Discount

Features

Bundling

Varies

Applies if you have a combination of at least two insurance policies with Progressive.

Multi-policy 

5%

Applies if you have two or more Progressive insurance policies.

Multi-car

12%

Applies if you have more than one car on your Progressive auto insurance.

Continuous insurance

Varies

Applies if your insurance history doesn’t have any gaps or cancellations. Not available in California or New York.

Snapshot 

$145

A usage-based insurance program that tailors your rate to your actual driving and allows you to save more if you drive safely.

Teen driver

Varies

Applies if a driver on your policy is 18 years or younger.

Good student

Varies

Applies if you have a student on your policy with a B grade average or better.

Distant student

Varies

Applies if you have a full-time student who is 100 miles away from home on your policy, and they don’t have a car at school.

Homeowners

Up to 10%

Applies if you own a home, even if it’s not insured with Progressive,

Online quote

4%

Applies if you get a quote online and finalized it over the phone with a Progressive representative.

Sign online

8.5%

Applies if you sign your documents online.

Paperless 

Varies

Applies if you decide to receive documents by email.

Pay in full

Varies

Applies if you pay upfront for your six-month policy

Automatic payment

Varies

Applies if you set up automatic payments from a checking account.

How to Save Even More

In addition to these discounts, there are a few other ways to save money with Progressive car insurance. 

  • Accident forgiveness: This perk is available as soon as you sign up with Progressive. Small incidents with claims less than $500 will not raise your premiums. Also, if you have been with Progressive for at least five years with no accidents in the past three years, one accident will not increase your rate. Progressive’s accident forgiveness policy can vary by state.
  • Use the Name Your Price® tool: Strictly speaking, this tool won’t help you save money, but what it will do is quickly find you the best coverage that falls within your budget. When you quote online and specify your desired insurance payment, the Name Your Price tool will come up with different coverage options to fit your price range. You can adjust the coverages as needed to ensure you have the protection you want.
  • Practice safe driving: If you are a safe driver, you can save money with Progressive auto insurance. For instance, drivers with no tickets or accidents in the past three years may have 31% lower premiums than others with tickets or accidents.

How to Get a Quote for Progressive Auto Insurance

There are two ways to get an insurance quote from Progressive: online or by phone. You’ll be asked for information such as your name, birthdate, phone number, email address, vehicle information, driving record, insurance history, the number of people you wish to include on your policy and so on. 

The quote will give you three levels of coverage and associated costs, ranging from the most basic, affordable coverage to the more expensive, comprehensive coverage. 

Progressive also has an online feature that allows you to compare your Progressive insurance quote against quotes from other auto insurance providers.

How to File a Claim with Progressive Car Insurance

Progressive’s claims process seems simple and painless. You can file a claim online, on the mobile app or over the phone. Then, you will be put in touch with a Progressive claims representative who will guide you through the process and an estimator to inspect your car and provide a repair estimate.

You can decide whether you want to get the car repaired or receive compensation. If you decide not to get the repairs, Progressive will pay you what it would have cost to fix the car. If you want to get the car repaired, you can ask the Progressive representative to schedule the repair at a network shop or any facility of your choice.

Note that if you do not own the car, your lender or lessee might require you to get the repairs. 

Progressive Auto Insurance Reviews and Ratings

Progressive customer service has a comparatively decent reputation with the J.D. Power 2019 U.S. Auto Claims Study, which ranks the company 16th out of 23 companies. It has an A- rating from the Better Business Bureau and has closed around 1,000 complaints in the past 12 months. While this number may seem huge, it is not significant, considering the company has more than 18 million customers.

Progressive car insurance reviews on BBB are mixed. While one customer gave the company a five-star rating for “Outstanding service so far in regards to a situation that would have left me and my family heartbroken otherwise,” another complained that the Snapshot tool led to an 11% increase in his premiums. He believes that the increase was because he hit his brakes hard four to five times a week over a two-month period to avoid running through yellow lights.

One customer service area where Progressive really shines is convenience, especially if you are tech-savvy. Potential and existing customers have multiple ways to reach out to Progressive – chat, email, phone and social media. Progressive policyholders can also use the Progressive mobile app to manage their policies, pay bills, view a digital copy of their insurance ID, report claims, request roadside assistance and submit documents.

In Summary: Progressive Car Insurance

Progressive has excellent financial stability and wins an A+ (Superior) rating from AM Best. If you want to go with a trustworthy provider with affordable coverage and online policy management, we think it’s worth considering Progressive. We especially like how they have a long list of discounts and ways you can keep your auto insurance costs down.

To see if Progressive is available in your area, fill out the form above.

 

Photo Credit: Adobe Stock, © pakorn

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