Progressive car insurance review 2024 (2024)

Insuring American drivers since 1937, Progressive is known for its affordable rates, customizable plans and numerous discounts. It's also a good option if you need coverage not offered by other insurers, including small accident forgiveness and rideshare insurance.

We also tapped Progressive as a top pick for high-risk drivers, with some of the lowest rates for motorists with speeding tickets, accidents and DUIs.

Progressive Auto Insurance

  • Cost

    The best way to estimate your costs is to request a quote.

  • App available

    Yes

  • Policy highlights

    Progressive offers several lines of insurance to allow for bundling and convenient tools to help you keep your policy within your budget.

  • Terms apply.

Read our Progressive auto insurance review.

Pros

  • Available in all 50 states
  • Low rates for drivers with DUIs
  • Non-owner car insurance and SR-22 certificates available
  • Offers vanishing deductible as well as accident forgiveness

Cons

  • Below-average customer satisfaction ratings from J.D. Power
  • Above-average number of complaints
  • Snapshot safe-driving discount program could result in rates going up

Progressive car insurance review

  • Progressive car insurance pros and cons
  • Types of Progressive car insurance
  • Progressive car insurance rates
  • Progressive car insurance discounts
  • Progressive customer satisfaction
  • Other Progressive insurance
  • How does Progressive compare to other car insurance?
  • How do I buy car insurance from Progressive?
  • Is Progressive car insurance right for me?
  • FAQs

Progressive car insurance pros and cons

The benefits and drawbacks of auto insurance with Progressive.

Pros

  • Broad availability: Progressive issues auto insurance in all 50 states and Washington, DC
  • Accident forgiveness: Rates don't go up for claims under $500 and, if you've been accident-free for five years, even a larger accident won't raise your premiums.
  • Good for high-risk drivers: Progressive's rates for motorists with speeding tickets and at-fault accidents are below average.

Cons

  • Lots of complaints: Progressive has received more than twice the number of complaints than other insurers its size, according to the National Association of Insurance Commissioners.
  • Limited discounts: Many competitors lower rates for installing anti-theft devices, taking a defensive driving course and more.
  • Safe-driving program could raise rates: According to Progressive, 20% of drivers who enrolled in its Snapshot usage-based insurance program saw their premiums increase, rather than decrease.

Types of Progressive car insurance

Progressive offers auto insurance in all 50 states and Washington, DC.

Basic coverage

These are typically required if you leased or financed your car.

  • Liability car insurance: Minimum coverage allowed in most states, liability pays for damages if you or someone else driving your car is at fault for an accident.
  • Collision coverage. Part of full coverage car insurance, collision coverage pays to repair or replace your vehicle after an accident.
  • Comprehensive coverage. Pays for damages not caused by a collision, including theft, weather damage or hitting an animal.

Progressive automatically includes small accident forgiveness, which means your rates won't go up for claims under $500. If you've been accident-free for at least five years, even a larger accident won't raise your premium.

Additional coverage

These policies are required in some states in addition to full coverage.

  • Personal injury protection insurance: Also known as no-fault insurance, PIP covers medical bills, lost wages, child care and even funeral costs.
  • Medical payments insurance: Covers medical bills for you, your passengers and any pedestrians, regardless of fault.
  • Gap insurance: Pays up to 25% over the value of your car if it's totaled to cover the balance of a loan or lease. Available to Progressive customers with collision and comprehensive insurance.
  • Uninsured/underinsured motorist insurance: Covers repairs and medical bills if you are in an accident with a driver with little or no insurance.

Add-ons

Optional features offered by Progressive.

  • Additional accident forgiveness: Forgives one accident per policy period.
  • Deductible Savings Bank: $100 is subtracted from your deductible for each policy period you go without an accident or violation.
  • Rental car reimbursement: If your vehicle is damaged in a covered accident, this optional policy will reimburse the cost of a rental car, up to $60 per day for up to 30 days.
  • Roadside assistance: Customers can request assistance through the Progressive app and get help with jump starts, fuel delivery, lockouts, flat tires, towing and winching.
  • Trip interruption: Pays up to $500 for food, lodging, transportation and related costs if your car breaks down more than 100 miles from home.
  • Vehicle protection: Covers major systems, minor dings and dents and lost keys for newer cars.
  • Custom parts and equipment value: Pays up to $5,000 to fix or replace custom accessories.
  • Rideshare insurance: Expands coverage to any time the app is on, including when waiting to match with a rider.
  • Veterinary expense coverage: Policyholders with collision coverage are eligible for up to $1,000 in veterinary expenses if their pet is injured in a covered accident.

Progressive car insurance rates

Progressive's rates are well below average: A 12-month policy averages $2,021 for full coverage and $576 for minimum (or liability-only) coverage, compared to a national average of $2,299 for full coverage and $637 for minimum coverage.

Driver Progressive annual estimate Industry average
20-year-old$4,227$4,671
25--year-old$2,573$2,852
30--year-old$2,239$2,450
40--year-old$2,021$2,299
60--year-old$1,777$2,087

Source: Rates are from Bankrate and are current as of May 2024.

High-risk drivers

People with speeding tickets and at-fault accidents typically pay more for insurance but Progressive's rates are below-average for high-risk drivers. It will also consider drivers with DUIs and has SR-22 filing.

Driver Progressive estimate Industry average
40-year-old w/clean record$2,021$2,299
40 year-old w/speeding ticket$2,610$2,773
40-year-old w/at-fault accident$3,088$3,280
40-year-old w/DUI conviction $2,549$4,399

Source: Rates from Bankrate and are current as of June 2024.

Drivers with bad credit

In most states, yourinsurance scorecan impact how much you pay for auto insurance. These ratings are determined by many of the same factors used to calculate your credit score, as well as information about your claims history found in your CLUE report and other sources.

Lexis-Nexis insurance scores range from 200 to 997: A score of 770 or higher is considered good and will get you a favorable rate, while a score of 500 or below is considered poor and could result in higher premiums or being turned down for coverage.

Progressive's average rates for drivers with poor insurance scores are hundreds of dollars below the national average.

DriverProgressive rateAverage rate
40-year-old with poor insurance score$3,517$4,248

Source: Rates are from Bankrate and current as of May 2024.

Progressive car insurance discounts

Progressive offers many auto policy discounts, though specifics may vary by state:

  • Automatic payment: If you don't pay in full, you can still earn a discount for setting up automatic payments from a checking account or a credit or debit card.
  • Continuous insurance: If you switch toProgressive, the time you spent with your previous insurer will be honored with a discount.
  • Distant student discount: A full-time student 22 or younger who lives more than 100 miles from home and leaves their car behind can get a discount .
  • Good student: Students with a B average or better can save up to 10%.
  • Homeowner: Homeowners can earn up to 10% off, regardless of whether Progressive is your home insurance provider.
  • Multi-car: Save an average of 12% for having more than one vehicle on your policy. Also available for RVs, boats and motorcycles.
  • Multi-policy: Save an average of 5% when you bundle homeowners,renters orcondo insurance with your auto policy.
  • Online quote: Average savings of 7% for getting an online quote and 9% for signing policy documents online
  • Paperless: Save if you opt to receive bills and other documents via email
  • Pay-in-full: Lower your rate up to 15% for paying your premium in one lump sum.
  • Sign online: Get an average of 9% back for signing your policy and other documents online.
  • Snapshot®: This usage-based insurance (UBI) program rewards safe drivers. According to Progressive, customers who save with Snapshot save an average of $231 per year.
  • Teen driver: Save if you have a driver who is 18 years old or younger and on a parent's policy for at least 12 months.

Compare to find the best car insurance for your budget

Progressive customer satisfaction

Progressive landed in the middle ofJ.D. Power 2024 U.S. Insurance Shopping Study, which surveyed customers about policy offerings, claims, billing and agent interactions. In a survey about the claims process, however, Progressive came in 18th out of 24 companies. And the number of complaints Progressive receives is more than twice what is expected for a company its size, according to the National Association of Insurance Commissioners.

Progressive customers are very happy with their experience online, however: The carrier ranked first in J.D. Power's 2023 digital consumer experience survey. And the Better Business Bureau issued Progressive an A rating, based on customer complaints and other public information.

Other Progressive insurance

Progressive offers policies in many other categories including:

According to Progressive, customers who bundle auto and home policies save more than 20% on average. The company also provides financial services, including personal loans and car loan refinancing.

How does Progressive compare to other car insurance?

Here's how Progressive stacks up against two other leaders in the auto insurance space.

ProgressiveGeicoErie
AvailabilityAll 50 statesAll 50 states12 states
Average cost for full coverage$2,021$1,782$1,703
Customer satisfactionAveragePoorExcellent
Accident forgivenessYesYesYes
Gap insuranceYesNoYes
Best forHigh-risk driversLow ratesRate-lock option

Source: Rates are from Bankrate and are current as of May 2024. Customer service rating based on J.D. Power 2024 U.S. Insurance Shopping Study.

Progressive vs. Geico

Geico Auto Insurance

  • Cost

    The best way to estimate your costs is to request a quote

  • App available

    Yes

  • Policy highlights

    Geico auto coverage is available in all 50 states and the District of Columbia. It offers 16 discounts and a variety of optional add-ons, such as emergency roadside assistance, rental car reimbursement and mechanical breakdown insurance.

  • Terms apply.

Read our Geico auto insurance review.

Pros

  • Low average rates
  • Can buy and manage policies online
  • Available nationwide

Cons

  • No gap insurance or rideshare insurance
  • Fewer branches for in-person services
  • Pay-per-mile car insurancenot available

Progressive and Geico both have affordable and customizable policies, but a full coverage policy with Geico averages $1,782, compared to $2,201 with Progressive.

Both are good options for high-risk drivers and, while Geico has better rates if you have speeding tickets or at-fault accidents, Progressive is less expensive if you have a DUI conviction —averaging $2,498 per year, compared to $4,128 with Geico.

Progressive and Geico both scored below average in J.D. Power's surveys of customer satisfaction with insurance shopping and the claims process.

Progressive vs. Erie

Erie Auto Insurance

  • Cost

    The best way to estimate your costs is to request a quote

  • App available

    Yes

  • Policy highlights

    Erie Insurance offers auto insurance for many different situations and affordable premiums. Several different coverages allow you to customize your policy.


Terms apply.

Pros

  • Affordable premiums
  • Below-average NAIC complaint index
  • High customer satisfaction scores from J.D. Power
  • Quotes available online

Cons

  • Only available in 12 states and Washington, D.C.
  • Limited online and app capabilities
  • Claim filing is not available online

A year of full coverage with Erie averages $1,703 for someone with a clean driving history, compared to $2,021 with Progressive. Erie also beats Progressive with high-risk drivers: If you have a speeding ticket you'll pay an average of $1,872 for full coverage with Erie, about $700 less than Progressive.

Unlike Progressive, Erie is a customer service standout, earning the top spot in J.D. Power's 2024 insurance shopping survey and the second-highest score for claims satisfaction.

When it comes to availability, however, Progressive leaves the competition in the dust. It's available in all 50 states, while Erie is only offered in 13 states.

How do I buy car insurance from Progressive?

You can apply and pay for Progressive auto insurance entirely online — and get a 9% discount for doing it. Here's how:

  • Go to the Progressive website and select the AutoQuote Explorer.
  • Answer questions about your car, including its make, model, year and mileage.
  • Share details about your driving history, including any accidents
  • Customize your coverage, limits and deductibles to get quotes from Progressive and several competitors
  • Choose your policy and set up a payment method.
  • Get ID cards and documents directly on the Progressive app

You can also apply over the phone at 866-749-7436 or work with a local insurance agent.

Progressive's customer service team is available 24/7 at 888-671-4405. Questions about rates, claims and other topics can also be answered via email or by the Flo chatbot on the Progressive website or Facebook Messenger.

You can make payments, view your policy and insurance cards, request roadside assistance and report and track claims on the Progressive mobile app.

Is Progressive car insurance right for me?

Progressive earns high marks for availability, affordability and flexibility and for offering specialized coverage for rideshare drivers and pet owners. Its lower rates for customers with DUIs, speeding tickets and at-fault accidents puts Progressive on CNBC Select's list of best insurers for high-risk drivers.

FAQs

In May 2024, a 40-year-old male with good credit and a good driving record will pay an average of $1,988 a year for full coverage insurance with Progressive, compared to the industry average of $2,314.

Progressive offers optional rental car reimbursement if your vehicle is damaged in a covered accident. It will reimburse up to $60 per day for up to 30 days, though exact limits depend on your policy.

Progressive's gap insurance pays up to 25% above the value of your car if it's totaled, to cover the balance of a loan or lease.

Progressive customers can cancel by phone, mail or email, but not online. You can stop coverage immediately or set a date for it to end. If you already paid for the current policy period, you'll receive a pro-rated refund.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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CNBC Select chose Progressive as a top pick for:

Best car insurance

Best car insurance for high-risk drivers

Best car insurance for college students

Best commercial auto insurance

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Progressive car insurance review 2024 (2024)

FAQs

Why did my car insurance go up in 2024? ›

Car insurance premiums increased 19.5% between June 2023 and June 2204, according to the Department of Labor's July 2024 Consumer Price Index. The reasons are many and include lingering inflation, the rising cost of repairs, an uptick in severe weather and the number and severity of accidents.

Does Progressive Insurance pay claims well? ›

Progressive is decent at paying claims, compared to the average insurance company, scoring 870 out of 1,000 for its claims process in J.D. Power's latest claims satisfaction study.

Can you negotiate Progressive Insurance? ›

You can negotiate with Progressive Insurance Company by sending the company a demand letter after an accident. The demand letter should provide information about the accident and all the damages caused by the incident.

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.

Why is progressive insurance so expensive? ›

If you buy directly from a Progressive company, your car insurance price reflects the cost of staffing and maintaining the sales centers, and a larger portion of our marketing costs.

Who normally has the cheapest car insurance? ›

Cheapest Car Insurance Company
Cheapest Car Insurance CompanyAverage Monthly Minumum Coverage RateAverage Monthly Full Coverage Rate
1. USAA$39$145
2. Central Insurance$36$156
3. Travelers$58$141
4. Auto-Owners$42$158
6 more rows
Sep 4, 2024

Who is cheaper, Geico or Progressive? ›

Key Takeaways: Geico is best for you if you're simply looking for the cheapest option, as the provider has a cheaper average rate estimate in 82% of states across the U.S. Progressive is best for you if you're looking for more coverage options, add-ons and customizations.

Does Progressive actually pay out? ›

We pay you its actual cash value — which is the market value of your vehicle based upon several factors, such as its pre-loss condition, age, options, mileage, etc. — minus any applicable deductible if you're Progressive insured. We work with a third-party to help determine the actual cash value.

Who is the most trusted insurance company? ›

Best Car Insurance Companies of September 2024
  • Nationwide: Best Overall.
  • USAA: Best for Military Members and Veterans.
  • Travelers: Great for Drivers With a Speeding Ticket.
  • Erie: Best for drivers who caused an accident.
  • Progressive: Best for Drivers With a DUI.
  • Geico: Great for Drivers With Poor Credit.
Sep 1, 2024

Does Progressive Lowball claim? ›

Compared to other insurance companies, Progressive is more aggressive in offering lowball settlements, which means their first offer is likely to be significantly low.

Where does Progressive rank in insurance? ›

Progressive ranks 14th out of 35 providers for the best homeowners insurance in 2024 and our research team rated it a 4.4 out of 5. While Progressive can be expensive for some, its wide range of discounts, benefits and coverage options makes it a worthwhile choice.

How to lower car insurance rates? ›

Here are some ways to save on car insurance1
  1. Increase your deductible.
  2. Check for discounts you qualify for.
  3. Compare auto insurance quotes.
  4. Maintain a good driving record.
  5. Participate in a safe driving program.
  6. Take a defensive driving course.
  7. Explore payment options.
  8. Improve your credit score.

Why is my Progressive renewal amount so high? ›

If you notice your car insurance keeps going up each time you renew, it could be from rising car insurance rate trends over time. These are often caused by factors outside your control, like increases in the costs to repair and replace vehicles or increases in claims and claim severity in your area.

Does my credit score affect my car insurance? ›

In many states, car insurance companies take your creditworthiness into consideration when setting your premiums. According to The Zebra, an insurance comparison site, drivers with poor credit pay an average of $1,500 more a year compared with those with excellent credit.

Is there a cancellation fee for Progressive? ›

Is there a fee for cancelling Progressive? This varies by state and when you purchased the policy. In some states, Progressive will charge a $50 cancelation fee if you cancel within your first term; meaning your policy has not yet renewed. Once the policy has renewed there will no longer be a cancellation fee.

Why is my car insurance suddenly so high? ›

Car insurance rates can change based on factors like claims, driving history, adding new drivers to your policy, and even your credit score.

Why did my car insurance go up if nothing changed? ›

Frequently asked questions (FAQs) Why did my car insurance go up when nothing changed? Your car insurance may have increased this year due to various factors, including inflation, higher repair costs and an increase in auto thefts in your area.

Why are car insurance rates increasing? ›

“The increases that have occurred have been largely driven by a continuation of people driving more, resulting in an increasing frequency of claims and inflationary pressures related to vehicle prices and repairs,” said Gabriel Sanchez, spokesperson for the state Department of Insurance.

Are car rates going down in 2024? ›

But in September 2024, the Federal Reserve dropped the federal funds rate for the first time in over four years, and you can expect auto loan rates to follow suit. Lower loan rates combined with dropping vehicle prices amid recovering inventories will increase buyers' borrowing power.

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