Progressive Car Insurance Review (2024)

Progressive Car Insurance Review (1)

Progressive

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  • Accident forgiveness
  • Rideshare insurance for Uber and Lyft drivers
  • Superior A+ Rating from A.M. Best
  • Lower rates for teen drivers
  • Bundling discounts
  • High digital experience ratings
  • High complaint record
  • Low auto claims satisfaction scores
  • Middle-of-the-road insurance rates
  • Small accident forgiveness only covers claims up to $500

Progressive’s rates are neither the cheapest nor the most expensive, but it does providecheaper insurance optionsfor addingteen driversto your policy. For that reason alone, if you’re a teen or young driver (or looking to insure one) it might be worth getting a quote.

As one of the largest national insurers in the US, Progressive operates in all 50 states plus Washington, DC. Allstate runs the gamut of insurance products, ranging from vehicle and property to personal and business insurance.

Here’s our review of Progressive for 2022.

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Pros of using Progressive

Progressive has a large swath of insurance products, from car, boat and motorcycle insurance to renters, home and life policies. One major benefit Progressive offers is a discount forbundlingpolicies together, bringing down your overall cost.

Progressive also offers car coverage types that other major providers don’t, including gap insurance (which we recommend if you’re leasing or financing your vehicle) and rideshare insurance for Uber or Lyft drivers.

Cons of using Progressive

Progressive’s biggest drawback is its high complaint score, based on the National Association of Insurance Commissioner’s index. Its score indicates that Progressive has more than twice the number of complaints filed against it than the average filed against its competitors. Moreover, the carrier has particularly low auto claims customer satisfaction scores, according to aJ.D. Power Survey. Combine low scores with average rates, and you get an insurance company that might not be the best option for everyone.

Progressive insurance cost

Progressive is a middle-of-the-line insurer when it comes to costs. It isn’t the most expensive, but it also isn’t the cheapest -- its average annual full coverage premium is just $200 below the industry average, according to Bankrate. Moreover, Progressive’s minimum coverage per year is $542, compared with an industry average of $545.

Though Progressive’s rates are so-so across the board, adding ateen driverto your policy is a lot cheaper with this carrier. On average, adding a 16-year-old driver to your policy may cost $500 less with Progressive compared to the national average.

Progressive premium prices

Driving recordProgressive average annual full coverage premiumNational average annual full coverage premium
Clean driving history$1,561$1,771
One speeding ticket$2,030$2,138
At-fault accident$2,507$2,531
Adding a 16-year-old driver$3,305$3,852

Progressive coverage options

Progressive offers just about every major coverage type you might need for an auto policy. Here are some of their major options:

  • Bodily injury liability protection: This coverage pays for injuries to others caused by the policyholder and other drivers listed on the policy. Bodily injury liability protection isrequiredin most states.
  • Property damage liability protection: This coverage pays for damage caused to another’s property. Most prominently, this is aimed at other cars, but it can also include other personal property like fences or mailboxes. Property damage liability isrequiredin all US states.
  • Personal injury protection (PIP): This coverage pays for the medical costs and lost wages of the driver and passengers of the policyholder’s car if injury occurs, up to the policy’s limits, regardless of fault. PIP may also include coverage for funeral expenses and essential services, like child care or dog-walking, that you may be unable to perform due to physical injuries. PIP isrequiredin 14 states.
  • Uninsured or underinsured motorist coverage: This coverage pays for your and your passengers’ medical expenses up to the policy’s limits when an underinsured or uninsured motorist causes an accident. Uninsured motorist property damage is available in some states to help cover repairs to your vehicle if damaged by an uninsured driver.
  • Medical payments: Similar to PIP coverage, medical payments help pay for medical costs of the policyholder and their passengers up to the policy limit, regardless of fault. However, unlike PIP, medical payments do not cover lost wages or essential services. Med Pay is anoptionalcoverage in most states, but it isrequiredin a few states.
  • Collision coverage: This coverage pays for damage to your vehicle in an accident resulting from a collision between your car and another car or an object.
  • Comprehensive coverage: This coverage pays for damage to your car caused by an event other than collision. This includes theft, fire, flood, hail, vandalism and more.
  • Rideshare coverage: This coverage helps you fill the gaps that Uber or Lyft doesn’t cover. At Progressive, youmustadd this coverage to your policy if you drive for a rideshare service.
  • Loan/lease payoff coverage:Progressive doesn’t offer gap insurance, but it does offer loan and lease payoff coverage. Similar to gap insurance, payoff coverage helps you pay in the event an accident leaves your car badly damaged or totaled, covering the difference between what your vehicle’s market value is and the amount you owe on it. The main difference: For payoff coverage, payout is limited to no more than 25% of your vehicle’s actual cash value, though the limit varies by state.

Progressive discounts

Progressive offers agreat list of discountsthat may help you bring your premiums down.

Here’s a list of notable discounts and how much you can save on average:

  • Multi-policy discount: 5%
  • Multi-car discount: 4%
  • Snapshot: Safe driver discount: $146 per year
  • Good student discount: 10%
  • Homeowner discount: 10%
  • Online quote discount: 7%
  • Sign online discount: 9%

Progressive has other discounts, too, including a teen driver discount and a paperless discount. However, average savings vary for these discounts.

Customer satisfaction and complaints

Progressive has lower than average auto claims satisfaction scores, ranking particularly low at 862 out of 1,000, according to aJ.D. Power survey. For context, the industry baseline for auto claims satisfaction clocks in at 880.

While these scores are low, Progressive customers are generally very satisfied with their digital experience, according to anotherJ.D. Power survey. Progressive ranks second in this category among all large car insurers, just behind Geico, which has won two Webbys for its digital infrastructure (tough competition to beat!).

Here’s the biggest thorn in Progressive’s side: the number of complaints it receives nationally. According to theNAIC’s complaint index, Progressive is indexed at 1.23, meaning that it receives more complaints than the industry average.

Progressive customer satisfaction and complaint scoring for 2022

A.M. BestA+
J.D. Power Auto Claims Satisfaction862 out of 1,000
NAIC Complaint Index1.23

Telematics program

Progressive’s telematics program, Snapshot, monitors how safely and how much you drive. You can enroll in this program online and use Progressive’s mobile app or plug-in car device to participate. Most drivers save an average of $146 per year using Snapshot, according toProgressive. However, it’s important to note that using Snapshot could increase your rates if you engage in high-risk driving, including braking hard and accelerating suddenly.

Other features we like

Progressive’s free mobile app is available on the Apple App Store and the Google Play Store. On this app, you can view your policy’s information, pay your bill, view your insurance card, file claims, call roadside assistance and get quotes for Progressive’s other policies. The “Name Your Price” tool is particularly helpful here: It lets you enter in how much you want to pay for your insurance, and Progressive will show coverage options that fit your budget.

However, the app only lets you manage your car insurance policy and not your home, renters, condo or umbrella policies with Progressive. Instead, these policies can be managed directly on Progressive’s website.

Methodology

CNET reviews insurance carriers and products by exhaustively comparing them across set criteria. For auto insurance, we examine average annual premium rates for full coverage, consumer complaints, collision repair scores, the carrier’s financial strength, auto claims satisfaction and overall customer satisfaction. Our data comes from a multitude of sources.

Auto insurance rates come fromBankrate, which gathers data using Quadrant Information Services. We also use both J.D. Power annual surveys that collect data on customer auto claims satisfaction and overall customer satisfaction.

Consumer complaints are taken from the National Association of Insurance Commissioners (NAIC), which collects consumer complaints across states, indexing complaints on a scale that takes into account the industry average. We collect the financial strength rating of each carrier from the A.M. Best Rating. Lastly, we collected collision repair scores from the Crash Network Insurer Report Card, which collects data from collision repair professionals, including mechanics, to gauge the quality of collision claims service from insurance carriers.

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The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Progressive Car Insurance Review (2024)

FAQs

Does Progressive insurance pay claims well? ›

NAIC Insurance Claims Complaints Index: Progressive earned a score of 1.97 which is . 97 points above the national average. Even considering that they are a large insurer, this number shows lower customer satisfaction with their claims process.

How do you answer insurance questions? ›

Think deeply about the exact question the agent asked, and only provide that specific information. Never admit to fault. Never admit to even being partially at fault. Never admit that you are uninjured.

How long does Progressive take to answer? ›

He must give you a reply to the claim within a reasonable amount of time, which can vary from state to state (40 days in California, for example). If he rejects the claim, you'll have to go through the negotiation process, which can last a long time if the agent is particularly resistant.

Are people happy with Progressive? ›

Progressive received an overall satisfaction score of 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

Does Progressive deny claims? ›

One possible reason for your accident claim being denied by Progressive could be a lack of sufficient evidence to support your case. When filing a claim, it is crucial to provide all necessary documentation, such as police reports, medical records, and witness statements.

How many claims before Progressive drops you? ›

Insurers may not drop a customer after their first one or two incidents. The first step is often to increase your car insurance rate. From there, if a customer has another accident or files more claims, the insurer may send a notice that they won't be renewing the policy at the end of its term.

What is insurance best answer? ›

Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils. There are many types of insurance policies. Life, health, homeowners, and auto are among the most common forms of insurance.

What is insurance in one word answer? ›

An insurance is a legal agreement between an insurer (insurance company) and an insured (individual), in which an insured receives financial protection from an insurer for the losses he may suffer under specific circumstances.

How to answer adjuster questions? ›

Remember this motto: Stick to the basic facts. Don't add opinions such as who's at fault, what triggered the crash, or what the damages might be. More importantly, don't lie or even embellish the facts, as this can compromise your insurance claim and become grounds for serious legal trouble.

How long does Progressive take to review an application? ›

How long does it take for Progressive to review my application? It depends on the role and number of candidates who applied, but you can generally expect to hear from us via email or a call within one to four weeks.

Should I call my insurance if it wasn't my fault Progressive? ›

Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred. Keep in mind that it's your choice whether to file an auto insurance claim with your insurer or the other driver's insurer.

Who is better, Geico or Progressive? ›

Is Progressive or Geico better? Both Geico and Progressive are reputable insurers with positive industry reputations, but which is better for you depends on your situation. We found Geico offers slightly better rates for the average driver while Progressive tends to have lower rates for high-risk drivers in particular.

Does Progressive raise rates after 6 months? ›

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.

Who is the most trusted insurance company? ›

Best Car Insurance Companies of July 2024
Best car insurance categoryCompany winner
Best insurance company overallTravelers
Best insurance company for affordabilityAmerican Family
Best insurance company for accident forgivenessGeico
Best insurance company for having few customer complaintsNJM
4 more rows
4 days ago

Which insurance company has the highest claims paid? ›

In terms of number of policies settled during 2022-23, Max Life Insurance has the highest claim settlement ratio of 99.51%. With a 99.39% claim settlement ratio, HDFC Life Insurance came second on the list.

How long does Progressive Insurance take to settle a claim? ›

We resolve many property damage claims within 7 to 14 days, but repair times can vary greatly based on your vehicle, the damage, etc. No matter what, we'll work quickly and efficiently so you can get back to your normal routine.

Does Progressive Insurance go up after a claim? ›

Yes, a comprehensive claim might increase your rate, depending on your insurer and state. Comprehensive claims include non-collision events like car theft, car vandalism, car fire, chipped/cracked windshield, hitting an animal, and acts of nature.

How long does Progressive take to respond to a demand letter? ›

It can take anywhere from several weeks to several months for Progressive to respond to demand letters.

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