Everything About Progressive Car Insurance

Progressive Insurance Agent
Progressive Casualty Insurance Company

Long before Flo became Progressive’s perky spokeswoman, this auto insurance company was known for its user-friendly approach to protection and security. Progressive was founded in 1937 by Joseph Lewis and Jack Green, two lawyers who wanted to make car insurance easy and increase its availability to consumers. The company moved to Cleveland in 1951 and went public in 1971. Since then, Progressive has introduced services and features that have become standards in the industry, with the goal of making insurance easier for consumers to navigate.

Progressive was the first automotive insurance company to offer services such as drive-in claims and premiums payable in installments instead of annually. In 1995, Progressive became the first major auto insurer to launch an informational website, and just two years later, customers could purchase an insurance policy through the site. Progressive says these features were groundbreaking at the time. Most major insurance companies have since followed suit, and it is now commonplace for consumers to research insurance companies and policies online before actually buying a policy online.

In addition to car insurance, Progressive offers insurance for business vehicles, motorcycles, boats, power sports equipment, and RVs. Having trouble finding insurance for your Segway? Progressive is happy to talk to you.

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Progressive Is the 7th Best Car Insurance Company

Rank Company
1 USAA
2 Travelers
3 State Farm
4 GEICO
5 Farmers
6 Nationwide
7 Progressive
8 Allstate
9 Liberty Mutual
10 American Family

 

How We Created This Progressive Car Insurance Review

This car insurance review is based on a U.S. News & World Report survey of 2,799 consumers who filed a car insurance claim in the last five years. Respondents provided this data based on their experience with their car insurance company.

U.S. News also worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford-F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

Progressive Rating and Review

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Despite Progressive’s customer-friendly image, it ranked seventh out of the 10 companies in our study. Progressive trailed USAA, Travelers, State Farm, Geico, Farmers, and Nationwide. Just three companies — Allstate, Liberty Mutual, and American Family — came in behind Progressive.

Close to 60 percent of respondents were completely satisfied with the ease of filing a claim with Progressive, and 56 percent were completely satisfied with the customer service they received. Progressive didn’t fare as well in other categories, though, with less than 50 percent of respondents reporting complete satisfaction with status updates on claims and the value of their insurance policy.

“My claim was the absolute worst customer service experience of my life," one respondent said. "Not only was there no communication from my adjuster, I was grossly underpaid for my car by thousands of dollars! When I finally received the settlement breakdown there were several errors regarding the options on my car. For example, leather interior was listed as cloth, brand new top listed as old and the wrong material, brand new tires and brakes listed as severely worn.”

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“Their motto is we return it to you exactly like it was ‘before’ the accident. This just isn't true,” said another survey respondent. Still, 55 percent said they were completely satisfied with how Progressive resolved their claim.

Just under 40 percent of respondents were very likely to recommend Progressive to someone looking for car insurance, while three-quarters of USAA customers, the top-ranked car insurance company, were very likely to recommend USAA. Thirty-eight percent of Progressive customers in our survey reported that they are very likely to renew their policy with progressive. About 23 percent were either unlikely or very unlikely to renew.

“They raised my rates, never had an accident in 53 years. Then when I told them that I was going to leave them, then they offered me an additional discount I found out later that I should been getting these all along,” said one customer.

Several survey respondents indicated that they switched insurance companies after their claim was complete, while others had recently shopped around for better rates or better service.

“Despite years of being with the company, they offered no incentives for loyalty,” said one dissatisfied respondent.

“Raised our rates for a $300 claim,” said one respondent. Another complained, “After the claim was adjudicated, my rates went up considerably and I went to another insurance provider.”

Several respondents indicated that they found better deals than Progressive after doing some comparison shopping, even if they did not indicate that they were specifically dissatisfied with Progressive’s service.

Based on the survey’s feedback on the overall Progressive experience, some customers seem to feel that working with Progressive is too much hassle for too little benefit. One customer summed it up, saying, “For what I received when I filed my claim, it's just not worth it.”

Progressive Car Insurance Costs

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Progressive’s national average rate is $4,036, which puts it about midpack among our top 10 car insurance companies. Farmers, Travelers, Allstate, and Liberty Mutual are more expensive than Progressive, while Nationwide, American Family, State Farm, and USAA are less expensive.

Company Average Rate
USAA $2,537.30
Geico $3,215.01
State Farm $3,260.00
American Family $3,443.09
Nationwide $3,450.00
Progressive $4,035.52
Farmers $4,194.27
Travelers $4,434.91
Allstate $4,887.95
Liberty Mutual $6,073.45

Like most insurance companies, Progressive charges the most to teenagers. Rates are very high for newly licensed drivers and go down as customers age. In general, men pay higher average rates than women for most of their lives. A single 17-year-old female can expect to pay about $8,690 with Progressive, while a 17-year-old male will pay around $9,625. Rates drop considerably for 25-year-olds, with a single 25-year-old female paying an average of $2,698 and a single 25-year-old male paying an average of $2,759. Married 35-year-olds see a switch in which the female’s average rates are higher than the male’s, at $2,297 and $2,175, respectively. With married 60-year-olds, the male pays a higher average rate again. Married 60-year-old females can expect to pay $1,991, and married 60-year-old males will pay about $2,049.

Group Average Rate
Single 17-year old female $8,689.95
Single 17-year old male $9,625.49
Single 25-year old female $2,697.73
Single 25-year old male $2,758.66
Married 35-year old female $2,296.90
Married 35-year old male $2,175.27
Married 60-year old female $1,991.49
Married 60-year old male $2,048.63

Progressive’s average car insurance rates by annual mileage reveal that customers who drive more don’t actually pay much more for coverage. Progressive customers who rack up about 6,000 miles per year, have an average rate of $4,030. Those who drive twice as much, 12,000 miles per year, pay an average rate of $4,041. Of course, there are plenty of other costs associated with a long commute, but Quadrant’s data reveal that increasing insurance premiums should not be a cause for concern.

Starting with a low-coverage policy, budget about another $300 for each tier of coverage you want to add. If you opt for low auto insurance coverage with Progressive, the average rate is $3,737. For medium coverage, the average rate comes in at $4,018. For high coverage, the average rate goes up to $4,351.

Coverage Type Average Rate
Low $3,737.13
Medium $4,018.46
High $4,350.96

A good credit score is advantageous with Progressive, and customers with good credit pay an average rate of $3,629. Progressive customers with fair credit pay an average rate of $3,956. Poor credit will cost you. Those with a poor credit history see their average rate to jump to $4,738.

Credit History Average Rate
Good $3,628.85
Fair $3,956.31
Poor $4,737.64

Drivers with a clean driving record pay the lowest rates of Progressive customers, an average of $3,393. One DUI violation causes the average rate to go up to $3,970. Of note, Progressive penalizes drivers with a single speeding violation more than drivers with a DUI; the average rate for a one-time speeder is $4,002. Drivers with one accident pay an average rate of $4,777.

Driving Record Average Rate
Clean record $3,393.09
With 1 speeding violation $4,002.28
With 1 accident $4,777.04
With 1 DUI $3,969.65

Who Should Get Progressive Car Insurance?

Progressive isn’t a clear leader in any one demographic or situation, but there are some customers who might benefit from choosing Progressive. Progressive may be a good choice for a single 17-year-old male, because even though Progressive’s average rate is about $1,000 more for teenage boys than it is for teenage girls, this is a reasonable markup compared to other auto insurance companies. Every company studied charges more for males in this age group than they do for females, and in some cases, the difference is $2,000 or more. Travelers takes the cake here, with a markup of more than $3,500.

Married 35-year olds, both men and women, may do well with Progressive. Progressive’s rates aren’t the cheapest for this demographic, but they’re on the low side. For women, only four companies are cheaper, and the difference is only $120 or less for two of those. For men in this age group, just two companies beat Progressive. The situation is similar for married 60-year-old men and women. Two rivals beat Progressive’s average rates for women, and three beat Progressive’s rates for men.

In most other scenarios — annual mileage, coverage type, credit history, and driving record — Progressive’s rates tend to land around the middle. Drivers with one DUI on their record, however, should also consider Progressive. Most insurance companies show high average rates for these drivers, but just two competitors are cheaper than Progressive.

Progressive Auto Insurance vs. Geico Auto Insurance

Teenage boy driving car
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In terms of average rates, Geico has a big advantage over Progressive: $3,215 to $4,036. Geico also beats Progressive’s average rates for single females and males in both the 17- and 25-year-old age groups. However, Progressive edges out Geico in the married adult categories of women and men aged 35 and 60.

Regardless of how much you drive, the amount of coverage you prefer, your credit history, or your driving record, you’ll probably do better with Geico. In some cases, Geico’s rates are substantially lower than Progressive’s. There is one exception: Drivers with one DU will save about $900 on average with Progressive.

Progressive Auto Insurance vs. State Farm Auto Insurance

State Farm earned better ratings than Progressive on almost every question in the study, though a couple were close.

State Farm’s national average rate of $3,260 is much lower than Progressive’s $4,035. State Farm’s average rates for males and females, at a range of ages, are lower than Progressive’s as well. Progressive costs several thousand dollars more for single 17-year-olds, but the gap narrows considerably for single 25-year-olds, married 35-year-olds, and married 60-year-olds.

Furthermore, State Farm’s average rates beat Progressive’s average rates when considering almost every other factor, in some cases by more than a thousand dollars. The interesting exception is drivers with poor credit. Progressive charges drivers with good and fair credit about $1,500 and $1,100 more than State Farm, respectively, but drivers with poor credit will save about $200 on average going with Progressive.

Progressive Auto Insurance vs. Allstate Auto Insurance

Allstate slots just beneath Progressive in our rankings.

Allstate’s national average rate is $4,888, which means that Progressive, at $4,036, might be a cheaper option for many consumers. The individual demographic data supports that theory, since Allstate is more expensive for single 17-year-old females and males, single 25-year-old females and males, married 35-year-old females and males, and married 60-year-old females and males. The difference between Allstate and Progressive rates for 17-year-old females is the smallest of the groups, at about $600, but the difference in most other demographics is about $1,000.

When looking at other factors that influence car insurance rates, again, Allstate is generally more expensive than Progressive. Allstate customers who drive 6,000 miles per year will pay an average of $4,842, or about $800 more than Progressive drivers. At 12,000 miles per year, that jumps to $4,934, or about $900 more than Progressive drivers. Allstate’s rates based on mileage are the second-highest in the study. Looking at coverage type, Allstate drivers will pay about $800 to $900 more than Progressive drivers, depending on the type of coverage selected. Allstate customers with good credit history will pay a couple hundred dollars more than Progressive customers, but with fair and poor credit history, the difference goes up to $600 and $1,750, respectively. Finally, of the companies studied, Allstate has some of the highest rates for drivers with violations. They’ll pay about $200 to $2,300 more on average than they would with Progressive.

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Types of Coverage from Progressive Car Insurance

Progressive’s auto coverage is available with standard policies like liability, bodily injury, and property damage coverage, the latter of which covers damage that you may cause to others’ vehicles or property. Other standard coverage includes comprehensive, which covers damage to your car from things such as fire, theft, and acts of nature, and collision, which covers damage to your car from a crash. Uninsured or underinsured motorist coverage is available and covers you in situations where you are injured or your car is damaged by someone who can’t or won’t pay. Progressive offers medical payment coverage for additional assistance with injuries from an accident.

In addition to the standard coverage types designed to help you and your car after a collision, Progressive offers more customized coverage that can be added to your policy. Rental car coverage ensures you can get around while your car is being repaired. Gap insurance ensures you won’t owe money on your car if it is totaled and the settlement doesn’t cover your outstanding loan. Roadside assistance will provide a tow if your car breaks down and you are stranded. Progressive also offers supplemental insurance that covers car modifications such as a stereo system, a custom paint job, or aftermarket wheels, which might not be covered under a standard policy. The deductible savings bank feature is an option that rewards you for having claim-free policy periods by lowering your deductible. If you’re a ride-share driver for a company such as Uber or Lyft, you might want to investigate Progressive’s ride-share coverage, which would cover you if you're in a collision while you’re logged into your ride-share app but don’t actually have a customer and neither your personal policy nor ride-share company's policy is in effect.

Progressive Car Insurance Complaints

One of Progressive’s weakest areas, according to survey respondents, is customers’ satisfaction with the resolution of their claims. This problem appears to have a direct bearing on whether customers are likely to recommend Progressive to friends and family. Other customers expressed dissatisfaction that their rates went up after a claim was filed. “Raised our rates for a $300 claim,” complained one customer.

“My point is, Progressive is horrible. I was a victim, and they were not helpful nor sympathetic,” said a driver who had a bad experience with Progressive after being hit by a Progressive customer.

Progressive Insurance Agent Talking to Customer
Progressive Casualty Insurance Company

Other customers said that they had left Progressive or were considering leaving in favor of competitors with better rates. “Rates are way too high," stated one respondent. "I ended up with no points on my record so they told me my rate had nothing to do with that. I've gotten much lower rates.”

“I was involved in an unavoidable incident and yet still found at fault," said another. "I’ve never had an at fault before, after over 40 years’ driving experience, and plan to change companies at renewal.”

Still another said, “I switched to a different company not long after filing this claim, merely over rates. I was buying a new car and found better rates than Progressive.”

Progressive Car Insurance Discounts

Like most insurers, Progressive offers its customers a variety of car insurance discounts.

If your household has more than one type of Progressive insurance policy, you’ll save about 5 percent on each policy. You can combine multiple cars, you can combine your car with different types of vehicles, you can throw in a homeowners policy, or whatever works for you. Five percent is the average, though progressive doubles the discount when you combine a homeowners and auto policy. It’s worth noting that the multi-car discount is 10 percent on average, and any vehicle qualifies that is most often kept at the address on the policy.

Furthermore, homeowners save about 10 percent on a Progressive auto insurance policy, even if they don’t carry Progressive homeowners insurance.

Safe drivers, defined as drivers who have no accidents or traffic violations in three years, earn an average discount of 31 percent.

Snapshot, Progressive’s safe driver program, can save you an average of $130, but it requires you to give Progressive access to your driving data — how much you drive, where you go and when, and how safe of a driver you are according to acceleration and braking data. This data is gathered by a device that plugs into your car or a smartphone app and analyzed by Progressive. If Progressive thinks your data show that you are a high-risk driver, you won’t get a discount. Progressive says most customers do earn a discount with the program but acknowledges that your rates also have the potential to increase.

Progressive offers several discounts to customers willing to do some things without the help of an agent. If you opt to sign your documents online, you’ll get a discount of about 8 percent, and then you’ll be eligible to go paperless, which carries an additional, undisclosed discount. New customers who request a quote online get an average discount of 7 percent, even if they later talk to an agent on the phone to close the deal.

Several additional discounts are available, although Progressive says these discounts vary, and they don't disclose the average savings. These include a continuous insurance discount that accounts for the time you spent with a competitor before switching to Progressive; a teen driver discount for drivers 18 or younger; a good student discount, which applies to students who maintain a B average; a college student discount for students under 22 and enrolled in a school more than 100 miles away; and discounts for paying the six-month premium upfront and enrolling in automatic payments.

Progressive will also show how their rates stack up to competitors and offers a tool that lets consumers enter a price to see what kind of coverage they can buy at that rate.

Other Types of Insurance Policies From Progressive

Progressive’s automotive coverage extends to lots of other vehicles. Progressive will cover vehicles used for business, classic cars, motorcycles (including coverage for motorcycle safety gear and personal belongings carried on a motorcycle), boats and personal watercraft, power sports equipment such as snowmobiles and ATVs, golf carts, Segways, travel trailers, and recreational vehicles or campers. Furthermore, Progressive says it is the top-rated commercial auto insurance company in the United States.

Progressive also offers home insurance for homeowners, condo owners, mobile home owners, and renters. If you rent your home out through a home-sharing service, Progressive offers supplemental coverage for the times your home is being used by renters, which is generally not covered under a regular homeowners policy. Flood insurance is another supplemental policy offered by Progressive.

Progressive Insurance Snapshot Device
Progressive Casualty Insurance Company

Business and commercial insurance offered by Progressive includes products for all kinds of trucks and commercial vehicles, including regular trucks of an unspecified nature, tow trucks, box trucks, dump trucks, and food trucks. Vans can also be insured under a commercial vehicle policy. Other insurance specifically for vehicles includes general liability, workers comp, business owners, contractors, professional liability, and cyber insurance.

Other Progressive insurance products include umbrella coverage, health insurance, life insurance, pet insurance, travel insurance (including policies specifically for driving in Mexico), wedding and event insurance, ID theft insurance, and phone and device coverage.

Progressive also offers auto financing and refinancing, and home financing and refinancing.

Progressive Financial Fitness

According to Progressive’s investor site, the company has written more than $23 billion in premiums, and recent reports show steady growth. Overall, Progressive appears to be in good financial health.

Progressive's most recent quarterly report as of this writing shows data through the end of June 2018. At the end of the six-month period that ended June 30, 2018, Progressive had a total of 17,145,700 personal vehicle policies, a figure that reflects 11 percent growth over the prior year. Over this period, Progressive also shows 1,766,600 property insurance policies with growth of 35 percent in that area, and 678,900 commercial policies with 9 percent growth in that area.

As of December 2016, Progressive’s market share of the private passenger auto insurance business (including motorcycle insurance) was 9.4 percent. At the end of 2015, Progressive’s market share was 9 percent. Results for 2017 will be available when Progressive releases its next report for the third quarter of 2018.

The six-month period that ended June 30 also shows that the company’s stock price increased 7.2 percent over that period.

Other Insurance Brands Related to Progressive

Though Progressive has a number of subsidiaries according to the Securities and Exchange Commission, they do not operate any other insurance companies.

Contact Progressive

Progressive can be reached online at www.progressive.com or by phone 24 hours a day at 1-855-776-4737. Progressive customers can use an online chat during business hours and can email the company at any time through a contact form on Progressive’s website.

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