Progressive Auto Insurance Review [2025]: When to Go With Flo

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. 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. Additionally, Progressive insures other vehicles that might be hard to cover with other companies, including ATVs, snowmobiles, boats, and classic cars.

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 should 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.

How we evaluate products

FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.

Progressive pros and cons

How much does Progressive cost?

Progressive's policies are, generally, cheaper than the national average according to insurance data aggregator, Insurify.

The insurer offers several discounts that may help you bring down your insurance premium and is known for its Name Your Price Tool, an online service that lets you choose the amount of money you'd like to pay for insurance to quickly see the level of coverage you'd be able to secure for that amount.

Your specific premium will vary based on a range of factors, but you can expect to find lower prices with Progressive than you'd find elsewhere.

Compare these sample rates against the national averages for each driver type shown below to get an idea of how much you might save with Progressive:

Is Progressive car insurance good?

Company ratings:

• AM Best: A+
• J.D. Power claims satisfaction: 672/1,000 (study average of 697)
• BBB: A+
• NAIC complaints: 0.97 (Private Passenger)

Progressive performs well across most industry customer service metrics, with the slight exception of its J.D. Power claims satisfaction score. The insurer ranks toward the bottom of the pack in J.D. Power's 2024 U.S. Auto Claims Satisfaction Study, scoring 672 against the study's 697 average out of 1,000. For comparison, the top ranking company, NJM, scored 782 out of 1,000.

This score indicates a general dissatisfaction with the claims process, which is an important factor to keep in mind when looking for an insurer. Even so, with a score of 0.97, Progressive's NAIC complaint index shows that the insurer receives slightly fewer complaints than expected based on marketwide data (expressed as an index score of 1.00).

Progressive gets a strong A+ financial health rating from AM Best, indicating that the company won't have any issues covering claims from a financial perspective, and its A+ grade from the Better Business Bureau likewise indicates that Progressive, overall, has a positive relationship with its customers.

Discounts

Like most insurers, Progressive offers current and prospective customers a range of ways to save money on car insurance through a variety of discounts.

Some competitors offer a broader range of discounts than Progressive, as you'll see below, and not all discounts are available in all states. Residents of California, for example, can't qualify for Progressive's loyalty discount or its away-from-home student discount, among others. However, Progressive claims that almost all its customers qualify for at least one of its offered discounts.

Those potential discounts include:

Snapshot

Progressive's SnapShot safe driver program offers customers the opportunity to save on their policy by demonstrating conscientious driving habits as tracked by the program's mobile app or a plug-in device. Progressive notes that participating in the program could increase your rates if you prove to be a high-risk driver, but claims that most drivers save money through Snapshot — an average of $231 per year.

Coverage

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.

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

While availability may vary, the company generally offers the following coverages:

• 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

Progressive vs. competitors

Opening a policy with Progressive is likely to prove cheaper than opening one with quite a few of the other big names in the auto insurance industry. But while Progressive isn't the most expensive, it's also not the cheapest. If you're considering going with Progressive, it's important to comparison shop so you can get an idea of what type of deal you could be getting elsewhere.

Regardless of the quote you end up getting, there are plenty of ways to lower your car insurance rate no matter which insurer your ultimately choose.

Progressive vs. Liberty Mutual

Though Progressive isn't the cheapest insurance out there, it's certainly cheaper than Liberty Mutual. While Progressive's average liability-only quote runs $98 monthly, Liberty Mutual charges an average of $166 per month, according to data from Insurify.

Insurify reports that the national average monthly cost of liability-only car insurance is $105 per month, so Progressive is just a tad bit cheaper than average, while Liberty mutual pretty significantly exceeds that number.

Progressive vs. GEICO

To provide a counter example, GEICO averages $53 per month for liability-only coverage, according to Insurify. That's almost half the cost of Progressive's monthly, liability-only average. GECIO also offers cheaper rates on average for full coverage insurance, coming in at $114 a month on average compared to Progressive's $142 average monthly premium.

Even so, Progressive and GEICO both rank among the top five most affordable insurers by average monthly premium for both full coverage and liability-only coverage, according to Insurify.

Additional Progressive 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.

FAQs

Bottom line

Progressive — an insurance industry staple since 1937 — offers competitive rates and a range of discounts, though its roster of discounts is slightly limited in scope compared to some competitors.

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, given that you'll be disqualified from a handful of the discounts Progressive does offer.

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.

Overall, though, Progressive earns its spot on our list of the best car insurance companies, falling around or below national averages for cost and ranking well by most customer satisfaction metrics.