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Progressive Auto Insurance Reviews And Ratings

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Progressive Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 76%
Who Plan to Renew 91%
AM Best Financial Strength Ratings A+

About Progressive Car Insurance Company

Claims: 1-800-274-4499
General: 1-800-776-4737
Corporate HeadquartersThe Progressive Corporation
6300 Wilson Mills Rd.
Mayfield Village, Ohio 44143

Best Auto Insurance Companies 2021: How Progressive Compares

Best car insurance for young adults and college students

Even though young drivers and college students spend more, on average, for car insurance than other age groups, Progressive strives to make insurance more affordable for these demographics by offering lower than average pricing and a multitude of discounts. This, among other things, helped them to earn the Best Car Insurance for Young Adults and College Students title in our annual Best Car Insurance Companies review. 

Progressive secured a four-star InsureScore rating for claims service, which indicates that customers are pleased with Progressive at the time they need them the most, after an accident or other claim. Progressive customers were also pleased with their website and mobile app offerings as well as the price breaks for those who use those tools to go paperless, do online quoting and electronic signatures. 

The usage-based SnapShot program is a worthy benefit for young drivers or college students who may not be putting many miles on their vehicles but also offers the same to any demographic who wants to save money for low-mileage and safe-driving behaviors.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Progressive’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Pioneers in the industry

Progressive is known for a number of firsts in the auto insurance industry including writing insurance for high-risk drivers, concierge service to help customers find a replacement vehicle, and in-person service and support after a claim report. Specially marked vehicles bring claims professionals to wherever customers need them, including the site of an accident.  

Progressive is the 4th-largest personal auto insurance provider and is known for its pay-as-you-drive program, Snapshot. Snapshot drivers volunteer to be monitored and can receive significant discounts through the program if found to be following safe driving practices.


Consider Progressive for bundling, budgets, or not the best record

Since Progressive offers a wide array of coverage types within auto, home, life, and travel, consider Progressive when looking to bundle multiple types of insurance coverages. Not only can the company provide one-stop shopping, but there are several discounts of which customers can take advantage with multiple policies and multiple vehicles.

The company’s “Name Your Price” tool allows users to find coverage that will fit within a budget. Customers may be able to find a limited policy at an affordable price that other insurers might not provide. Customers can save even more by registering in the Snapshot program, receiving additional discounts based on monitored and safe driving.

Progressive writes coverages for a wide range of customers, including high-risk drivers. Above-average credit and driving history are needed to get the best available rates, but drivers with violations, accidents, and even DUIs can get a policy with Progressive.

Progressive Car Insurance Coverages

  • Personal Auto/Business Auto
  • Pay-as-you-drive plan – Snapshot
  • Collector car
  • Motorcycle
  • Boats and Personal watercraft (PWC)
  • RV
  • Other forms of transportation such as snowmobiles, Segways, and ATVs
  • Rideshare (in certain states)

Progressive Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condominium
  • Mobile home
  • Umbrella liability
  • Life

How likely customers would recommend this company?

35% I would definitely recommend this company
41% I would probably recommend this company
19% Neutral
4% I would probably not recommend this company
1% I would not recommend this company

Reasons for Buying

Customers of Progressive originally decided to purchase from the company for these reasons:
  • 50% Offered best price
  • 16% Recommended by friend or family member
  • 12% Reputation
  • 8% I had other insurance with this company
  • 8% Saw TV commercial
  • 2% Financial strength rating
  • 2% The company website and mobile apps are easy to use and helpful
  • 1% Saw online ad
  • 1% Was the company my parents had

Would you renew?

  • 91% Yes
  • 9% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 30%
  • Fairly satisfied / Fulfills my needs OK 39%
  • Average website and apps 16%
  • Very unsatisfied / digital offering is severely lacking 5%
  • Unsatisfied / website and/or apps are not fulfilling my needs 7%

How do you prefer to deal with insurer and policy?

  • In person 33%
  • Phone 14%
  • Email 9%
  • Interactive website 32%
  • Mobile App 12%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Progressive’s customer complaint ratio for Private Passenger Auto insurance is 0.67
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
Pet injury coverage Icon
Pet injury coverage
Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
No drop promise/guaranteed renewal program Icon
No drop promise/guaranteed renewal program
Your policy will be renewed even if you have accidents and traffic violations.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Progressive available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

260 Reviews. 3.5 Stars out of 5
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