Progressive Auto Insurance Review [2024]: Can You Really Name Your Price?

We recommend Progressive car insurance because of its high AM Best rating of A+ (superior) and because they are less likely to drop you from their policy after an accident or DUI. Additionally, Progressive insures other vehicles that might be hard to cover with other companies, including ATVs, snowmobiles, boats, and classic cars.

Progressive also uses the Name Your Price tool to differentiate itself from other insurers by allowing you to find a car insurance policy based on how much you’d like to pay.

But would the price you name save you money? Let’s take a deeper look into what Progressive offers and whether it might be worth your consideration.

How we evaluate products

While reviewing Progressive as an auto insurance provider, I compared them with other top companies, including Geico, State Farm, and Nationwide. I looked at the following to craft my review:

• Insurance offerings: While the main focus of the review is on Progressive’s car insurance, I wanted to evaluate what other type of coverage Progressive could offer compared to its competitors. Progressive came out on top as offering the most coverage for diverse vehicle types as well as many coverage options for other lifestyle needs, like pet, health, and home.
• Cost and discounts: While Geico’s coverage came out as less expensive than Progressive’s in a one-to-one comparison, Progressive does offer the most types of discount options compared to its competitors. These discounts are not helpful for California residents, but other drivers elsewhere might be able to stack these discounts for the lowest rate.
• Ratings: It was important that I took into consideration customer ratings alongside industry standard ratings. The reviews on Better Business Bureau were low, receiving an average 1.08-star rating despite having an A from BBB. This is common among car insurance companies, especially since most drivers don’t leave a review unless they have a complaint. Progressive ranked high in the most recent J.D. Power and AM Best ratings.

Progressive pros and cons

Who is Progressive a good option for?

Progressive is a popular car insurance choice that offers a wide range of coverage for all types of vehicles, as well as other insurance options. If you are the type that loves to shop for all of your insurance needs in one place, with Progressive you can insure your car, home, pet, and even teeth.

Progressive is also a good choice for those wanting to take advantage of discounts. When compared to other popular car insurance companies, Progressive had more discount options. Every driver will qualify for at least one discount.

We also recommend Progressive if you have had issues getting insured after a DUI or other careless driving incidents. From our research, we found that Progressive is more likely to insure drivers with less than stellar driving records. The optional accident forgiveness add-on will cost more, but keep your rates steady if something happens.

Year founded	1937
Types of coverage	Liability protection Comprehensive coverage Collision insurance Uninsured and underinsured insurance Medical payments Loan or lease payoff Rental car reimbursement Rideshare coverage Custom parts and equipment value insurance Roadside assistance
Discounts available	Multi-car and multi-policy discounts Discount for continuous coverage Safe driver discount Teen driver discount Good student discount Distant student discount Homeowner discount Online quotes and paperless discounts Automatic payment and full payment discounts
Where you can use it	Progressive app on Android and iOS Online at the Progressive website
Customer support	24/7 availability by calling (888) 671-4405 Online chat and contact form
Availability	Coverage is available in all 50 states and Washington, D.C. + select coverage while driving in Mexico

What insurance does Progressive offer?

Progressive offers a wide range of coverages that you could include in your auto insurance policy. However, some coverages might be state-specific, so make sure to confirm the availability of the specific coverage you need.

Auto insurance options

Progressive provides auto insurance policies for drivers in all 50 states and Washington, D.C.

While availability may vary, the company might offer the following coverages in your area:

Additional insurance products

Progressive offers several types of insurance in four main categories:

• Vehicle: Progressive offers insurance policies for vehicles from your car, truck, or motorcycle to snowmobiles, golf carts, and even Segways and E-bikes.
• Property: Progressive provides homeowners insurance, condo insurance, and renters insurance policies.
• Personal: Progressive partners with other insurance carriers to offer life, health, pet, dental, travel, and vision insurance.
• Business: Progressive is the number one commercial auto insurer in the U.S. It also partners with other companies to offer other business-related insurance coverages, including business owners, general liability, professional liability, and workers’ compensation policies.

The company also partners with several companies and financial institutions to offer financial services such as online banking, personal loans, and a car-shopping service.

How much does Progressive cost?

Progressive offers several discounts that may help you bring down your insurance premium. The insurer also offers a useful tool that lets you choose the amount of money you’d like to pay for insurance to quickly see the level of coverage you’d get for that amount.

When I requested a quote through Progressive for coverage of my 2020 Toyota Prius and 2015 Toyota Sienna in California, my quote came out to $250.16 per month for six months — this is $50.41 more per month than the current plan I have with Geico. Plus, Geico offers $45-per-day car rental coverage, and Progressive offers $40 per day. Switching would cost me $604.92 more per year.

It is worth comparing because you might save more money with Progressive in your area. California tends to have higher-than-average car insurance costs.

How to find discounts

The company claims that drivers can save up to $800 on a new policy, as well as over $700 by bundling auto and home insurance. Progressive states that almost all its customers qualify for at least one discount.

There are many factors that affect car insurance rates, but Progressive offers several discounts that might save as much as 10% on your insurance premiums. Those insurance discounts include:

Discount type	How to get it	Savings	Availability
Safe driver discount	Progressive SnapShot allows you to download a mobile app or use a plug-in device that tracks your trips and how you drive.	Average of $94 savings for signing up; average of $231 savings each year	Not available in CA or from all agents
Teen driver discount	Be a teen and consistently insured with the company for at least 12 months before qualifying for this discount.	Not stated	Not available in CA
Good student discount	Be a full-time student who maintains a B grade or better.	Average of 10% off	Not available in CA or HI
Distant student discount	Be a full-time student, 22 years of age or younger, and live more than 100 miles from your home without your vehicle.	Average discount varies	Not available in CA
Multi-car discount	Have more than one vehicle insured with Progressive.	Average of 12% off	Not available in all states
Homeowner discount	Be a homeowner, even if your home isn’t insured with Progressive.	Not stated	Not available in all states
Online discounts	Request an auto insurance quote online, sign their insurance documents online, or opt-in for the paperless option.	Average of 7% to 9% off	Not available in CA or NY

More ways to maximize savings

You might save money on car insurance through Progressive by bundling it with other insurance products it offers. For example, you could bundle your car insurance with a boat, RV, or motorcycle insurance policy. You could also bundle auto insurance with your homeowners' or renters' insurance.

You can also save money by paying your policy in full upfront. While they say this discount isn’t available in California, where I live, I was offered a savings of $16 if I paid six months in full.

Progressive also offers tools to help policyholders save on insurance premiums, such as its Name Your Price Tool. You provide Progressive with how much you want to pay for your insurance, and then the insurer shows you the best coverage options within your budget.

Progressive also offers other programs that might help you save more money, including:

• Deductible savings bank: If you carry comprehensive or collision insurance, Progressive will shrink your deductible by $50 for each policy period that you don’t have an accident or violation.
• Good driving habits: According to Progressive, drivers with no tickets or accidents within three years might save as much as 31% on their auto insurance premium with the company.
• Small accident forgiveness: Progressive commits not to increase your insurance rates if you are in an accident where the damage is less than $500.
• Large accident forgiveness: Progressive also offers forgiveness of large accidents to its loyal customers. If you have been insured with the company for five years or more and haven’t had accidents or violations in the last three years, your car insurance premiums won’t change after a large accident.

If you are shopping for the best car insurance companies, you could consider Progressive for its numerous discounts and multiple policy options that you could bundle with your auto insurance.

How does Progressive’s quote process work?

Learning how to get car insurance from Progressive begins with their quote process. The company offers several ways to receive a quote. You could call, apply online, or work with one of over 40,000 independent agents and insurance brokers that partner with Progressive.

Online quotes take less than 15 minutes to process, and the company offers discounts to those who apply for a quote online.

Once you enter your name and address, the system automatically pulls up your information from your title and registration documents. It can also pull your current insurance policy from a different company to ensure you are comparing apples to apples.

You’ll also be asked if you want to enroll in Snapshot. If you do, select whether you want to use the mobile app or a plug-in device. The system then gives you your 6-month insurance premium plan.

Progressive provides you with three quotes at different levels. They are:

• Basic: This is the cheapest option. It provides the minimum liability coverage required in your state of residence. It also includes comprehensive and collision coverage at a $2,000 deductible and a basic level of uninsured motorist coverage. Underinsured motorist coverage is not included.
• Choice: The mid-level option includes higher liability and uninsured and underinsured motorist coverage. It also comes with $750 deductibles on comprehensive and collision coverages.
• Recommended: The top-level option comes with higher liability, uninsured and underinsured coverages, and $500 deductibles on comprehensive and collision coverages. It also includes medical payment coverage and rental car reimbursement if you need to rent a car while your vehicle is being repaired.

Progressive insurance add-ons

Your quote will not include roadside assistance or rental car coverage. You can add those on and the additional costs vary by your car’s model and year. For example, roadside assistance was only an additional $2 per six months with a 2020 Toyota Prius. Rental car coverage varies between $30-per-day coverage to $60-per-day coverage — $900 to $1,800 maximum coverage.

FAQs

Bottom line

If you need to insure your car and a couple of recreational vehicles like a boat, motorcycle, RV, or golf cart, Progressive may be a good option for you. The company offers insurance coverage for many different vehicles, and if you bundle several policies together, you could qualify for discounts on your policies.

Progressive offers potential customers discounts and tools that might help them figure out their coverage costs. The Name Your Price tool might come in handy if you are on a tight budget because it gives you control over setting an insurance rate that fits your budget.

However, if you live in an area that doesn’t allow a lot of discounts, such as California, it might be worth shopping for other quotes.