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Auto Insurance
Reina Marszalek
Reina Marszalek
Verified by an expert
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
Heidi Gollub
Heidi Gollub
Verified by an expert
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
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Updated 6:52 a.m. UTC Feb. 15, 2024
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Progressive
Blueprint Rating
Compare rates offered by participating partners
Average rate for good drivers
$1,826
Customer complaint level
Low
What you should know
Progressive’s car insurance rates are generally below average. If you need car insurance after a DUI, Progressive may be a good choice. You may find lower rates from competitors, however, if you have a speeding ticket or accident causing property damage on your record.
Progressive car insurance is available in all 50 states and offers many coverage options, such as rideshare insurance and gap insurance. It doesn’t offer new car replacement coverage, however. Explore the pros and cons in our Progressive auto insurance review.
More details
| Driver profile | Average annual car insurance rate |
|---|---|
| Good driver | $1,826 |
| After an accident with injury | $2,770 |
| After an accident with property damage | $2,818 |
| After a DUI | $2,307 |
| After a speeding ticket | $2,350 |
| Young driver (18 to 25) | $3,704 |
| Senior driver | $1,937 |
| Parents adding a teen driver | $3,864 |
| Poor credit | $3,221 |
| After a gap in coverage | $2,008 |
Good drivers will pay an average of $1,826 a year or about $152 a month for full coverage from Progressive. That’s below the national average cost of car insurance ($2,026) across providers we analyzed for our rating of the best car insurance companies.
Progressive car insurance policies tend to be more expensive than competitors for drivers who have a speeding ticket or accident on their record, but the auto insurance provider does shine for one key demographic: drivers with a DUI.
While an insurance policy from Progressive is expensive if you have a DUI ($2,307 on average), it’s far more affordable than every other insurance provider.
Pros
- Below-average rates for most drivers.
- Lowest average rate for drivers with a DUI on their record.
- Coverage available in all 50 states.
- Offers rideshare insurance and gap insurance.
Cons
- Higher rates for drivers with a speeding ticket or accident causing property damage on their record than other companies in our analysis.
- Above-average rates for young drivers on their own policy.
- Does not offer new car replacement.
Why trust our car insurance experts
Our team of car insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about ourmethodologybelow.
- 260 companies analyzed.
- 347 rates reviewed.
- 5 levels of fact-checking.
Overview of Progressive car insurance
Progressive is the third-largest auto insurer in the United States with more than 20 million policies in force. Joseph Lewis and Jack Green of Cleveland, Ohio, started the company as Progressive Mutual Insurance Company in 1937 with a vision of affordable insurance and an easier claims process that would revolutionize the industry.
Though best known for its car insurance policies — and sassy mascot, Flo — Progressive offers a broad spectrum of vehicle, property, personal and commercial insurance policies.
In addition, you can use Progressive for products like home warranties and security systems, ID theft protection and even online banking. The website also offers AutoQuote Explorer, which allows consumers to compare car insurance rates from various companies, even when Progressive is more expensive.
Progressive compared to other top car insurance companies
| Company | Our rating | Average annual cost | Complaint level | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|---|
| American Family | 5.0 stars | $2,176 | Very low | Compare Rates | Compare rates offered by participating partners | |
| Auto-Owners | 5.0 stars | $1,628 | Low | Compare Rates | Compare rates offered by participating partners | |
| Nationwide | 5.0 stars | $2,041 | Very low | Compare Rates | Compare rates offered by participating partners | |
| USAA | 5.0 stars | $1,412 | Average | Compare Rates | Compare rates offered by participating partners | |
| Geico | 4.5 stars | $1,716 | Average | Compare Rates | Compare rates offered by participating partners | |
| Travelers | 4.5 stars | $1,852 | Very low | Compare Rates | Compare rates offered by participating partners | |
| Westfield | 4.5 stars | $1,759 | Very low | Compare Rates | Compare rates offered by participating partners | |
| Allstate | 3.5 stars | $3,000 | Low | Compare Rates | Compare rates offered by participating partners | |
| Farmers | 3.5 stars | $2,381 | Low | Compare Rates | Compare rates offered by participating partners | |
| Progressive | 3.5 stars | $2,157 | Low | Compare Rates | Compare rates offered by participating partners | |
| State Farm | 3.5 stars | $1,959 | Low | Compare Rates | Compare rates offered by participating partners | |
| Erie | 3.0 stars | $2,144 | Low | Compare Rates | Compare rates offered by participating partners | |
| Safe Auto | 1.0 stars | $2,647 | Very high | Compare Rates | Compare rates offered by participating partners |
Who is Progressive car insurance best for?
Progressive car insurance is best for drivers with a DUI, as it offers the most affordable car insurance policies for drivers who have a DUI, DWI or OUI on their record.
But drivers with clean records may still want to consider this car insurance company. Progressive has a lower-than-average volume of customer complaints. Plus, Progressive offers a wide range of discounts that can lower your costs. If you are a good driver, you may want to consider its usage-based insurance program, Snapshot.
Parents who are about to add a newly licensed 16-year-old driver may also want to consider a policy with Progressive. While the national average cost to add a 16-year-old driver is $2,359, it’s slightly cheaper at Progressive: $2,062.
Progressive car insurance consumers may also like the wide range of services the company offers. Not only can you bundle your car insurance with a renters or homeowners insurance policy, but you can also shop for home warranties and a home security system, take out a personal loan and even open a checking account.
Types of car insurance offered by Progressive
Progressive offers a full suite of car insurance coverages, including the basics like liability and medical payments, as well as less common options like loan/lease payoff and rideshare coverage in select states.
Here’s a closer look at the coverage options offered by Progressive:
- Liability insurance.
- Collision insurance.
- Comprehensive insurance.
- Uninsured and underinsured motorist coverage.
- Personal injury protection (PIP).
- Medical payments.
- Loan/lease payoff (similar to gap insurance).
- Rental car reimbursem*nt.
- Custom parts and equipment coverage.
- Rideshare coverage.
- Roadside assistance.
- Deductible savings bank (vanishing deductibles).
- Nonowners insurance.
- SR-22.
- Accident forgiveness.
- Usage-based insurance.
Bonus: Collision coverage through Progressive can even take care of your vet bills if your pet is injured during a covered accident.
Featured partner offers
Other insurance offered by Progressive
Progressive offers more than just car insurance. In fact, if you have a car insurance policy with Progressive, you’ll want to consider bundling with other Progressive policies. Bundling homeowners, condo or renters insurance can save you an average of 4% on your auto policy.
Here’s a look at the policies offered by Progressive:
- ATV/UTV insurance.
- Auto insurance.
- Boat insurance.
- Classic car insurance.
- Condo insurance.
- Dental insurance.
- Electronic device insurance.
- Flood insurance.
- Golf cart insurance.
- Health insurance.
- Homeowners insurance.
- ID theft insurance.
- Jewelry insurance.
- Life insurance.
- Mechanical breakdown insurance.
- Mexico auto insurance.
- Mobile home insurance.
- Motorcycle insurance.
- Personal watercraft insurance.
- Pet insurance.
- Renters insurance.
- RV/trailer insurance.
- Segway insurance.
- Snowmobile insurance.
- Travel insurance.
- Umbrella insurance.
- Vision insurance.
- Wedding and event insurance.
Progressive also offers a wide range of commercial insurance, such as business insurance and commercial auto insurance.
Beyond insurance policies, Progressive offers:
- Car loan refinancing.
- Car shopping service.
- Home warranties.
- Home security.
- Online checking accounts.
- Personal loans.
You can also utilize Progressive’s website to compare insurance policies from multiple providers and the Name Your Price tool to find policies within your budget.
Progressive car insurance customer reviews
Progressive customers are statistically more satisfied than the national average, evidenced by the company’s low customer complaint volume reported by the National Association of Insurance Commissioners (NAIC).
Where to get Progressive car insurance
Progressive offers auto insurance policies in all 50 states. You can purchase an insurance policy online, over the phone or through an independent agent. Progressive offers discounts for getting a quote online and for signing your documents online.
Methodology
Our insurance experts evaluated top car insurance companies in the nation to determine which offer claims the best-rated auto insurance based on average rates, coverage features, collision claims process and consumer complaints.
Each car insurance company was eligible for up to 100 points, based on its performance in the following key categories:
Cost: 50 points. We analyzed rates fromQuadrant Information Servicesbased on seven driver profiles for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage.
We awarded up to 50 points based on insurers’ average rates for:
- Drivers in various age groups.
- Drivers with bad credit.
- Good drivers.
- Drivers with infractions, such as speeding tickets, an accident or a DUI on their record.
Up to 10 bonus points were available for insurers that had low rates for teen and senior drivers, two demographics that typically have higher car insurance rates.
Consumer complaints: 20 points.We collected complaint data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Car insurance coverage options and features: 20 points.Car insurance policy features can help make coverage more affordable both before and after an accident or covered incident. We evaluated car insurance policies offered by each insurer and awarded points to insurers that offered these valuable options and features:
- Accident forgiveness (5 points).
- New car replacement (5 points).
- Vanishing deductible (5 points).
- Usage-based car insurance program (5 points).
Collision repairs score: 10 points.Every year the CRASH Network releases an “Insurer Report Card” survey. This annual survey asks repair professionals how well a car insurance company handles claims, specifically when it comes to payment practices, repair quality and customer service.
Each car insurance company receives a grade ranging from A+ to F, based on the survey results. Companies were awarded up to 10 points based on their CRASH Network score, with higher grades receiving the most points.
Progressive car insurance review FAQs
Your Progressive rates may increase after six months depending on a number of factors. Like other car insurance providers, Progressive will typically raise your rates if you receive a speeding ticket or moving violation, cause an accident or make comprehensive insurance claims. Your insurance rate will also likely change if you add new vehicles or drivers to your policy or move to a new location.
Progressive offers a number of discounts, including multi-car and multi-policy discounts, homeowner discounts and paperless discounts. If you no longer qualify for a discount, your rate could go up at the six-month policy renewal.
Finally, insurance rates can simply go up for factors outside of your control, like if the average number of claims in your area increases. Car insurance providers may also adjust their rates to keep up with inflation.
Progressive does not offer new car replacement, but it does offer loan/lease payoff insurance. Progressive’s loan/lease payoff is similar to gap insurance, but is capped at 25% of your vehicle’s value.
Progressive earned a Superior rating from AM Best — A+ — which showcases the company’s ability to meet its insurance obligations, i.e., pay out claims.
Progressive also has a low complaint volume according to NAIC data, signaling that customers are generally satisfied with Progressive’s claims payment process.
CRASH Network, which grades insurers based on customer service and how well they ensure quality repairs gives Progressive a C on its most recent insurer report card. Out of the 10 largest insurers, only American Family scored higher, with a C+.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
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Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.
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Reina is a freelance writer and editor with over a decade of experience in SEO content, marketing copy, and editorial strategy. Before becoming a USA TODAY Blueprint insurance contributor, her work was featured on Forbes Advisor. She was also the managing editor and life insurance expert at Policygenius, overseeing life and disability insurance content. Before Policygenius, Reina was the senior editor at DoctorOz.com, where she created and edited health and wellness content.
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Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.
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