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Progressive Auto Insurance Review: Affordable Coverage, Even After an Accident

Review Updated
Christy Bieber
By: Christy Bieber

Our Insurance Expert

Eric McWhinnie
Check IconFact Checked Eric McWhinnie
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Progressive offers affordable insurance for most drivers, although it's more expensive for young motorists or those with an accident record. Customer reviews are mixed, but there are ample opportunities for bundling coverage and unique coverage options. Learn more in this Progressive auto insurance review.

Award Icon 2024 Award Winner
Logo for Progressive
Best for coverage options and discountsProgressive
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
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Bottom Line

Progressive is an affordable option for most drivers. However, its customer reviews are below average, so drivers who prioritize service over price may wish to consider competitors.

Pros

  • Snapshot provides personalized rates so safe drivers save more
  • Premiums are below average for many drivers
  • Unique coverage options, including pet injury and custom parts

Cons

  • Below-average J.D. Power rankings
  • Above-average number of complaints with the National Association of Insurance Commissioners
  • Young drivers and those with an accident history may find Progressive more expensive

Full Progressive auto insurance review

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Monthly premium costs

Progressive is more affordable on average for most drivers, with some exceptions. Young drivers and those with an accident on their record may find Progressive's policies are more expensive than the typical premiums insurers charge.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$2,091 $2,062 $3,131 $6,396
Data source: The Ascent's analysis of standardized personas.

Cost comparison

The table below shows how Progressive stacks up to the national average for motorists with different driving profiles.

Progressive Average Rate National Average Rate
Clean Driving Record $2,077 $2,389
Accident on Record $3,131 $3,037
Speeding Ticket on Record $2,558 $3,023
DUI on Record $2,355 $4,380
18 Years OId - New Driver $6,396 $6,291
65 Years Old - Senior $1,794 $2,140
Military Service $1,893 $2,375
Minimum Coverage (Liability Only) $759 $787
Data source: The Ascent's analysis of standardized personas.

Discounts

Progressive offers many standard discounts, as well as some unique opportunities to save money including premium reductions for being continuously insured or for participating in its Snapshot safe driver program.

  • Automatic payment
  • Continuous insurance
  • Distant student
  • Good student
  • Homeowner
  • Multi-car
  • Multi-policy
  • Online quote
  • Paperless
  • Pay in full
  • Sign online
  • Snapshot safe driver discount
  • Teen driver

Coverage

Policy types

  • ATV/UTV
  • Auto
  • Boat
  • Classic car
  • Compact tractor
  • Electric bicycle
  • Golf cart
  • Mechanical breakdown
  • Mexico auto
  • Mexico boat and watercraft
  • Motorcycle
  • PWC
  • RV
  • Segway
  • Snowmobile

Progressive has many more policy types than a number of competitors, including offering insurance in Mexico as well as providing coverage for different vehicle types including Segways and golf carts.

Coverage types

  • Auto roadside assistance
  • Collision
  • Comprehensive
  • Custom parts and equipment
  • Deductible savings bank
  • Liability
  • Loan/lease payoff
  • Medical payments
  • Personal injury protection (PIP)
  • Pet injury coverage
  • Rental car reimbursement
  • Rideshare coverage
  • Trip interruption
  • Uninsured/underinsured motorist
  • Vehicle protection

In addition to standard coverage types offered by most insurers, Progressive offers some protections many competitors don't including pet injury coverage, loan/lease payoff, and trip interruption insurance that pays for up to $500 in costs when a vehicle breaks down more than 100 miles from home.

Customer service and ratings

Progressive's ratings were below average on J.D. Power's 2023 Overall Customer Satisfaction ratings. The number of complaints received by the National Association of Insurance Commissioners was also above average for Progressive, although not as high as some competitors.

Other insurance available

  • Condo
  • Flood
  • Homeowners
  • Home security
  • Home warranty
  • Mobile home
  • Renter's
  • Dental
  • Electronic device
  • Health insurance
  • Identity theft
  • Jewelry
  • Life
  • Pet
  • Travel
  • Umbrella
  • Vision
  • Wedding and event

Progressive offers a vast array of policy options, making it easy to find opportunities to bundle coverage.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Logo for Mercury Auto Insurance
Drivers focused on saving moneyMercury Auto Insurance
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Read Review

Read our Mercury Auto Insurance review

When looking for an auto insurer who offers better customer service: State Farm receives better customer service ratings than Progressive. But keep in mind policies may be more expensive from State Farm.

When looking for an auto insurer who offers cheaper policies for young drivers: Mercury Auto Insurance offers more affordable coverage than Progressive for young drivers. But be aware its customer ratings are worse and it's not available in all states.

Progressive auto insurance summary

Progressive might be best suited for people who:

  • Are pet owners who want added protection in case their animal is injured in a collision
  • Are looking for affordable premiums and aren't inexperienced drivers or drivers with an accident history
  • Are comfortable with mixed customer service reviews

Progressive is an affordable option for most drivers, and it provides benefits including the ability for safe drivers to further reduce premiums. While customer reviews aren't perfect, it's an established insurer offering coverage for almost anything a consumer might need.

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.

Our Insurance Experts

Christy Bieber
By: Christy Bieber

Writer

Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.

Eric McWhinnie
Check IconFact Checked Eric McWhinnie

Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.