Progressive Insurance: A solid choice for most shoppers
A broad list of discounts, extra coverage options and below-average prices among similarly-sized carriers earn Progressive a solid rating from experts at The Zebra.
Our customers generally agree, according to the respondents to our survey. Progressive customer service has garnered mixed reviews, but affordable premiums and widespread availability make up for this.
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Snapshot discount: Progressive’s telematic device is well-liked by customers for its ability to lower premiums
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Affordable liability coverage: Progressive’s average rate for a liability-only policy ($344) is one of the most affordable in the country.
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Rate hikes after claims: Customers report significant increases post-claim.
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Difficult or poor app experience: Progressive’s app scores in the bottom percentile of insurance companies.
How much is Progressive car insurance?
Currently, the national average for a 6-month car insurance policy is $1,163, whereas Progressive is about $1,073
Discounts offered at Progressive: more options than competitors
Progressive stands out with its extensive list of available discounts. Along with the common options you’ll find elsewhere— such as multi-policy, continuous insurance, and homeowner discounts— Progressive also offers unique opportunities to help customers lower their premiums.
Progressive’s Name Your Price tool does exactly what it promises: you set your budget, and they provide a range of coverage options that fit within it.
The Snapshot program uses telematics to personalize your rate based on your actual driving habits. The safer you drive, the more you can save — Progressive advertises an average savings of $231 per year. Read more about Snapshot.
Progressive offers Accident Forgiveness to help prevent rate increases after certain claims. Small accident forgiveness ensures your rate won’t go up for your first claim under $500, starting with your first policy term. Large accident forgiveness protects your rate if you’ve been claim- and violation-free for five years, while additional benefits can be purchased to forgive one accident per policy period.
Progressive’s customer service & claims experience: A mixed bag
Progressive’s customer service varies widely depending on the issue. While routine tasks like managing your policy or handling claims are easy and efficient through their digital platforms, dealing with disputes or complex claims can be more time-consuming.
Progressive Customer Survey results
88% of customers recommend Progressive
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers’ customer service, claims process, ease of use, and more. See how Progressive was rated in individual categories by expanding the section below.
How much will your rates climb after filing a claim with Progressive?
No one wants to file a claim, but sometimes it’s impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,098 |
| One comp claim | $1,238 |
| Two comp claims | $1,317 |
| At-fault accident – $1000-$2000 | $1,647 |
| At-fault accident – greater than $2000 | $1,746 |
Progressive’s claims process is accessible online and via their mobile app, making it convenient for policyholders. While simple claims are often resolved quickly, more complex cases can lead to longer wait times. Customer satisfaction surveys consistently place Progressive in the middle tier, indicating they offer reliable service but may struggle with handling complicated claims efficiently.
Coverage options: Flexible and customizable
Beyond the standard coverage offerings you’s expact from any carrier— like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection— Progressive offers a wide array of unique coverages.
✔️ Custom parts and equipment
✔️ Rideshare coverage
✔️ Loan/lease payoff
✔️ Roadside assistance
Confirming your coverage is also easy to do on your Progressive declarations page.
Final thoughts: Is Progressive right for you?
Progressive offers a solid balance of competitive pricing, especially for drivers who participate in their Snapshot program, and a robust selection of coverage options for those who want to customize their policies. However, the company’s claims process has been reported as slow for complex issues, and rate increases after claims are common.
