Progressive auto insurance review and ratings for 2026

Progressive earns mid-range pricing and strong digital experience scores but ranks below many competitors in customer satisfaction, trust and claims handling in Insure.com’s 2026 survey. With an A+ AM Best rating and solid online tools, Progressive is best suited for drivers who prefer to manage their policy digitally; however, others may find better satisfaction and support elsewhere.

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Our take

Progressive remains one of the most recognizable auto insurers in the country, but its performance in Insure.com’s 2026 Best Auto Insurance Companies survey shows a mixed experience for policyholders. 

While Progressive offers a strong digital experience and mid-range premiums that fall near the center of the pack, it ranks near the bottom in several key customer satisfaction categories, including claims handling, trustworthiness and overall service. 

Progressive has an A+ financial strength rating from AM Best and maintains a significant national presence, offering competitive pricing for drivers who prefer to manage their policy online. However, survey data reveal that many customers are less satisfied with the company’s support and claims processes.

For shoppers who prioritize digital tools, flexible policy management and a wide selection of coverage options, Progressive may still be a practical fit. But drivers who value strong customer service, dependable claims handling or high trust scores may want to compare alternatives. 

Below, we break down how Progressive scored across all measured categories to help you decide whether it aligns with your needs.

How we calculated this rating

Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.

Progressive rankings

4
Progressive
4.05 Insure.com Score
Average Premium
$223 per month
Customer Survey
NAIC
AM Best Rating
A+
Effective date:
Pros and cons
Pros:
  • It isn’t the most expensive insurer on our list
  • Low complaint ratio: NAIC score below 1.00 means fewer complaints
Cons:
  • Customers aren’t delighted with Progressive’s customer service
  • Progressive ranked lowest in the survey for claims handling
  • Overall, Progressive ranked at the bottom in most categories surveyed

Who should buy Progressive insurance?

Progressive is a good choice for you if:

  • Enjoy managing your car insurance policy online

It might not be the best choice if:

  • You value trustworthiness or recommendations from friends and family members
  • You highly value customer satisfaction

Our agents make it hassle-free to get the right quote.

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Progressive auto insurance cost: Coverage and competitor comparison

Progressive’s monthly premium for full coverage is $223, which is right in the middle of the pack when it comes to the list of companies we surveyed this year. The cheapest premium was $131 and the most expensive was $270.

See all rates in the table below.

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How Progressive scores for customer satisfaction, ease of service and policy offerings

Progressive received one of the lowest survey scores for customer satisfaction, at 78%, indicating that customers aren’t satisfied with the company’s service. This score marked a 10% decrease from last year’s score for customer satisfaction.

When it comes to ease of accessing policy documents and services, Progressive performed better, but it still ranked only in the middle of the pack with a score of 86%. For policy offerings, Progressive earned a score of 79%, one of the lowest scores behind Farmers and Safeco.

CompanyCustomer satisfactionEase of servicePolicy offerings
Progressive78%86%79%
GEICO83%90%83%
State Farm84%88%83%
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How Progressive scores on customer recommendations, trust and renewals

Progressive received one of the four lowest scores in the survey for customer recommendations, 84% (6% lower than last year). Safeco earned the lowest score with 77%. For trustworthiness, Progressive and Safeco again ranked at the bottom two, indicating that their customers gave them lower marks when asked the question, “Is your insurance company trustworthy?” compared to other companies.

However, Progressive edged up in the renewal category with 92% of customers saying they would renew their auto insurance policies with the company.

CompanyRecommended by customersTrustworthinessRenewal rate
Progressive84%83%92%
GEICO88%89%89%
State Farm89%91%93%
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How Progressive scores for claims handling, digital experience, auto and home bundling and discounts

When it comes to claims handling, Progressive got the lowest score in the survey. For digital experience, which measures how people feel about Progressive’s app and website, it scored in the middle of the pack with a score of 83%.

Its scores for discounts were lower, though, with a score of 50% for discounts and a 62% score for bundling auto and home policies. The averages in these categories are 61% and 78%, respectively.

CompanyClaims handlingDigital experienceDiscountsAuto and home bundling
Progressive62%83%50%62%
GEICO76%85%56%63%
State Farm80%79%61%78%
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Types of car insurance coverages offered by Progressive

Progressive offers a range of car insurance coverages, from the basics that most states require to extra protection you can choose based on your needs.

  • Liability:  Helps pay for injuries or property damage you cause to others in an accident.
  • Uninsured/underinsured motorist (UM/UIM):  It covers your injuries and property damage if you’re hit by a driver who has no insurance or not enough insurance.
  • Medical payments coverage: Pays your medical bills after an accident, regardless of who is at fault.
  • Personal Injury Protection:  Covers medical bills, lost wages and other related costs for you and your passengers after an accident, regardless of fault.
  • Comprehensive coverage:  Protects your vehicle against theft, vandalism and natural events. 
  • Collision coverage: Pays to repair or replace your car if it’s damaged in a crash with another vehicle or object.

Additional car insurance coverage

Progressive offers additional coverage that you can add to your policy for adequate protection. Below, you’ll find a list of optional add-ons from Progressive.

Coverage typeWhat it coversExclusions/limitationsAdditional details
Loan/lease payoffPays the difference between the car value and the loan balance if totaledCapped at 25% of the vehicle’s actual cash valueIt does not cover additional charges related to your loan or lease
Rental car reimbursementProvides a rental car if you’re in a covered accident, up to your policy’s limitsOnly available if you carry comprehensive and collision coverageReimburses your rental car costs for up to 30 or 45 days, with a daily limit of $40 to $70 per day
Auto roadside assistanceCovers towing, lockouts, flat tire changes, fuel delivery and similar roadside issuesCost of fuel/parts not included; mileage limits applyIn North Carolina and Virginia, the coverage is subject to limits stated on your policy
Trip interruptionPays up to $500 in covered costs if your car breaks down over 100 miles from home
Not available for off-road vehiclesThe daily limits are $100 for lodging, $50 for transportation and $50 for food
Vehicle protectionProtects against major system issues, minor dents and lost or stolen keysOnly applies if your car is newer and you carry full coverage, roadside assistance and trip interruption coverageStarts at $12/month
Custom parts and equipment value (CPE) coverageCovers aftermarket modifications, including stereo systems, navigation systems and custom wheelsOnly applies if you carry collision and comprehensive coverageThe coverage typically has a $5,000 limit
Rideshare coverageIt protects you while you’re logged into the app and waiting for requestsOnce you’re matched with a rider, the transportation network provider’s coverage (TNC) insurance takes overCoverage is not available in all states
Deductible savings bankIt reduces your collision or comprehensive deductible by $50 for every six-month period you stay claim and violation-freeEach accident and violation-free renewal lowers your deductible until it reaches $0.Rewards safe driving and lowers future out‑of‑pocket costs
Pet injury protectionIt covers pets (dogs/cats) who travel with you.Applies automatically if you have collision coverage Covers up to $1,000 in vet bills if your pet is hurt in an accident while riding in your car.
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Progressive auto insurance discounts

Progressive offers a variety of car insurance discounts to help you save on your premium. The insurer states that drivers who switch to Progressive save an average of $900 on their car insurance.

Actual savings vary by state and your individual driving profile, and not all discounts are available in every state.

  • Multi-policy: Save 7% on auto policy in most states. Average savings are based on a six-month policy term. Not available in all states
  • Continuous insurance: Savings vary based on how long you’ve been continuously insured
  • Teen driver discount: Savings vary; not available in California
  • Accident Forgiveness: Your rates won’t go up on your first claim if the amount is under $500
  • Snapshot safe driver discount: Discount of up to $169 at program sign-up and $322 at program completion. Not available in California and Hawaii
  • Good student discount: Starts at 5%
  • Distant student discount: Savings vary; not available in California
  • Homeowner discount: Savings vary; not available in all states and situations
  • Multi-car: 12% average savings
  • Online quote: 7% average savings
  • Sign online: 10% average savings
  • Paperless: Savings vary; not available in California
  • Pay in full: Savings vary; not available in California
  • Automatic payment: Savings vary; not available in California

States where Progressive offers coverage

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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
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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

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Progressive at a glance

Progressive

Founded in 1937 in Cleveland, Ohio, Progressive has grown from a small auto insurer into one of the largest property and casualty insurance companies in the United States. With more than 28 million policies in force, Progressive is a leading national carrier recognized for its substantial presence in both the standard and non-standard auto insurance markets. 

The company operates through a hybrid distribution model that includes a vast network of more than 38,000 independent agents nationwide, as well as a dominant direct-to-consumer platform that allows customers to buy and manage policies online or by phone.

Financially, Progressive is one of the industry’s most stable and high-performing insurers. In recent years, the company has consistently reported annual revenues exceeding $50 billion, driven by steady policy growth and strong underwriting performance.

Contact Progressive: Call 1-800-PROGRESSIVE (1-800-776-4737) or visit www.progressive.com.

Resources & Methodology

Methodology

In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services for a hypothetical 40-year-old driver with a clean driving record, good credit score, 12-mile daily commute and full coverage policy on a Honda Accord LX with liability limits of 100/300/100.

With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40%
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Laura Longero
Executive Editor

 
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Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.

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