Progressive auto insurance review and ratings 2024

Progressive is No. 8 with 4.14 stars out of 5 in the 2024 Insure.com Best Car Insurance Companies ranking. Progressive customers say they highly recommend the company, that they trust it and that they’d renew their policies.

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Our take

Progressive, a major insurer that covers drivers throughout the United States, ranked No. 8 in Insure.com’s ranking of the Best car insurance companies for 2024 with 4.14 stars out of 5. While its average annual premiums are higher than many competitors, Progressive customers trust the company, plan to renew their policies and said they’d recommend the insurers to others.

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Progressive
Progressive Ratings
Overall Rating: 4.1
Average Premium: 3.2
NAIC: 0.65
Customer Satisfaction: 3.9
AM Best Rating: A+

Pros and Cons

Pros:
  • Highly recommended by customers
  • More than nine in 10 customers said they’d renew their policies
  • Customers rated it highly for discounts
Cons:
  • Higher premiums than other companies in our ranking
  • Didn’t rate well for its breadth of policy offerings

How much Progressive costs

Among the top companies on Insure.com’s list, Progressive had middle-of-the-road premiums at $166 per month. Its premiums are $1 monthly more than State Farm but cheaper than Farmers and Allstate. The table below shows how much auto insurance from Progressive compares with the monthly rates from its competitors. 

CompanyMonthly Premium
Erie$123
Auto-Owners$129
Nationwide$129
Travelers$132
Auto Club Group (ACG) – AAA$135
American Family$142
Geico$147
State Farm$165
Progressive$166
Amica$185
Auto Club of Southern California (Auto Club Enterprise Insurance Group)$192
Mercury$193
Farmers$199
Allstate$209
CSAA Insurance Group$217

How Progressive rates for customer satisfaction

When we asked Progressive customers about their level of satisfaction, seven out of 10 said they were satisfied with Progressive’s customer service. Erie led this category, with nine out of 10 Erie customers saying they were satisfied with the insurer.

CompanyPercent of customers who are satisfied
Progressive70%
State Farm84%
Geico75%

How Progressive scores on ease of service

Ease of service measures how easy it is for customers to access policy documents and services. Progressive was in the middle of the pack in the category, which Erie led.  Competitors State Farm at 86% and Allstate at 82% scored higher than Progressive at 79%.

CompanyPercent of customers satisfied with the company’s ease of service
Progressive79%
Erie90%
State Farm86%

How Progressive scores on policy offerings

When customers ranked insurance companies by their policy offerings, Progressive scored in the middle range among national insurers, behind category leaders Erie and American Family.

CompanyPercent of customers satisfied with the company’s policy offerings
Progressive72%
Erie88%
Geico77%

Would current customers recommend Progressive to others?

Progressive was one of the most-recommended insurance companies in our survey, tying with American Family and Auto Club Group for third place in this category. Erie led this category, with all its customers who responded to our survey saying they would recommend it.

CompanyPercent of customers who would recommend the company to others
Progressive91%
Erie100%
Geico87%

How trustworthy is Progressive?

When customers were asked to rank insurance companies for trustworthiness, 75% of Progressive said they trusted the company. Erie had the highest score in this category at 86%.

CompanyPercent of customers who say they trust the company 
Progressive75%
State Farm82%
Geico73%

Do Progressive customers plan to renew?

Progressive was rated very highly for customers who planned to renew their coverage – it had one of the higher scores in our survey. Erie led this category, with all the Erie customers we surveyed saying they would re-sign with the insurer.

CompanyPercent of customers who plan to renew with the company 
Progressive92%
Erie100%
Allstate87%

How Progressive scores on claims handling

When it comes to claims handling, Progressive scored in the middle among its competitors. Most insurers scored in the 70th- 80th percentile. Allstate led this category, with 86% of its customers giving it high marks.

Company Percent of customers who are satisfied with the company’s claims handling
Progressive 73%
State Farm 85%
Nationwide 69%

How Progressive scores on digital experience

Progressive and CSAA tied for second place in our survey results for digital and online experience, lagging behind category leader Geico by four percentage points.

Company Percent of customers satisfied with the company’s digital experience
Progressive 60%
Geico 64%
State Farm 54%

How Progressive scores for discounts

When asked about discounts, customers were extremely satisfied with Progressive’s discounts compared with its competitors. Progressive had the second-highest score in this category, led by Auto Club of Southern California. It tied for the No. 2 spot with Auto Club Group and Erie.

Company Percent of customers satisfied with the company’s discounts
Progressive 69%
Auto Club of Southern California 70%
Allstate 61%

How Progressive scores for bundling home and auto policies

Progressive scored in the lower half of the top auto insurance companies in this category, even though it has reasonably competitive discounts. Erie (69%) and American Family (66%) led this category.

Company Percent of customers satisfied with the company’s home and auto bundling
Progressive 44%
State Farm 61%
Geico 37%

Progressive car insurance coverages

  • Motorcycle
  • Boats and Personal watercraft (PWC)
  • RV
  • ATV/UTV
  • Classic car
  • Golf cart
  • Mechanical breakdown insurance
  • Mexico auto insurance
  • Mexico boat and watercraft
  • Segway
  • Snowmobile

Progressive additional car insurance policies

  • Homeowners
  • Renters
  • Condominium
  • Flood
  • Mobile home
  • Umbrella 
  • Life
  • Pet injury coverage
  • Dental/vision/health insurance
  • Identity theft protection
  • Jewelry insurance
  • Electronic device insurance
  • Travel insurance
  • Wedding and event insurance

Progressive car insurance coverage options

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

Progressive car insurance discounts

  • Multi-policy
  • Continuous insurance
  • Teen driver discount
  • Accident forgiveness
  • Homeowner
  • Multi-car
  • Driver training/Defensive driving
  • Good student/distant student
  • Snapshot: Safe driver
  • Online quote
  • Sign online
  • Paperless
  • Pay in full
  • Automatic payment

States where Progressive offers coverage

Graph
Table
States where Progressive offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Company background

Progressive

Progressive is known as a pioneer in the industry. It has been behind several firsts in the auto insurance industry, including writing insurance for high-risk drivers, providing concierge service to help customers find a replacement vehicle and providing in-person service and support after a claim report. It’s the third-largest auto insurance company in the U.S. by market share.

The company’s “Name Your Price” tool allows users to find coverage that fits their budget. Customers may be able to find a limited policy at an affordable price that other insurers don’t provide. Customers can save even more by registering in the Snapshot program and receive additional discounts for monitored and safe driving.

Resources & Methodology

Sources

Insurance Business America. “Revealed – State Farm no longer the US’s largest car insurer.” Accessed February 2024.

Progressive. “Car insurance coverages.” Accessed February 2024.

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking. 

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of the total score
  • AM Best: 25% of the total score
  • NAIC: 15% of the total score

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

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Laura Longero
Executive Editor

 
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Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.

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