Progressive home insurance ratings and review 2026

Progressive is our No. 7 home insurance company for 2026, dropping several spots from last year. Increased rates and difficulty with key areas of the survey, like trust, affected its ranking this year.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Progressive home insurance

Progressive is the No. 7 company in our 2026 Best Home Insurance Companies ranking. High rates and low scores in key areas drove the company’s drop from fourth place last year, along with a higher complaint volume than competitors.

  • Progressive’s rates are the most expensive of all the companies on our list, up from last year when some competitors have lowered their rates. This could reflect an increase in claims over the past few years.
  • Although Progressive was a pioneer in online insurance services, it has been surpassed by other carriers, with ratings for digital service on the lower side.
  • That said, Progressive scored best in areas of ease of service out of all categories and wasn’t far off from competitors in some areas, like discounts.

Below is our review of Progressive. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

7
Progressive
3.42 Insure.com Score
Average Premium
$4,227
Customer Survey
NAIC
AM Best Rating
A+
Effective date:
Pros and cons
Pros:
  • Solid financial stability score: AM Best rates it an A+, which means no difficulty paying claims
  • Single deductible: When you bundle auto and home, Progressive offers one deductible on claims that involve both
Cons:
  • Highest rates of all ranked companies: Progressive’s average home insurance rate is well above competitors at $4,227 a year.
  • Highest complaint ratio: At 1.502, Progressive’s ratio of complaints to market share with the NAIC is the highest on our list

Who should buy Progressive home insurance?

Progressive is a good choice for you if:

  • Cheap rates aren’t a concern for you
  • You like working with an independent agent while having the option to handle things online as well

It might not be the best choice if:

  • You’re looking for the best rates
  • You’re concerned about customer complaints and satisfaction ratings

Progressive home insurance cost: Coverage and competitor comparison

Progressive had the highest rates of any company in our survey, at nearly double the national average of $2,543, with an average rate of $4,227.

  • Progressive home insurance costs, on average, just over $2,700 more than the cheapest national carrier (Amica, $1,510)
  • The next most expensive home insurance company is Nationwide at $2,983, a difference of more than $1,200 

Compare Progressive’s rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Progressive scores for customer satisfaction, ease of service, policy offerings and claims

Progressive scored below average in all four top categories in our survey: customer satisfaction (76%), ease of service (79%), policy offerings (77%) and claims handling (65%).

Of these, claims handling may concern insurance shoppers the most. Several other companies scored below 70% for claims handling. Regional insurer CSAA scored the lowest in this area at 59%, while the highest score was a tie between Nationwide, American Family and Erie at 84%. USAA, if ranked, would have won here at 87%.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Progressive76%79%77%65%
Farmers84%84%83%76%
Allstate81%89%88%82%
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How Progressive scores on customer recommendations, trust and renewals

Progressive customers ranked the company below average when we asked three critical questions in the survey:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

Progressive’s trust score, at 79%, was lower than many competitors, although 87% of customers said they plan to renew with the company. No other ranked company scored below 80% for trust, although The Hartford, which wasn’t ranked due to a lack of rate information, had the same score as Progressive.

Progressive customers would recommend the company at a rate of 82%, which is below that of several competitors.

CompanyRecommendedTrustworthinessRenewals
Progressive82%79%87%
Travelers83%90%92%
Nationwide85%90%92%
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How Progressive scores for digital experience, auto/home bundling and discounts

Progressive customers ranked the company lower for digital experience (77%) than many of its competitors; that’s notable, given that Progressive was an early adopter of online insurance shopping. Allstate won the digital experience category at 86%.

The company ranked similarly to its competitors for auto/home bundling (71%) and on the lower end for discounts at 55%; many carriers struggled in that category.

The table below shows the percentage of customers who reported being satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Progressive77%71%55%
Travelers83%75%58%
Amica74%75%59%
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Types of home insurance offered by Progressive

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Mobile home: Coverage for mobile/manufactured homes
  • Flood insurance: Sold through the NFIP Write-Your-Own program

Progressive home insurance discounts

  • Bundle home and auto: Discount for bundling your auto and home insurance
  • Safety and alarm discounts: For smoke detectors, fire alarms and burglar alarms or similar devices
  • New purchase: For purchasing a home or switching from renters to homeowners insurance
  • Quote in advance: Get a quote at least 10 days before your policy starts
  • Receive documents by email: Get a discount for going paperless
  • New home construction: Newer homes get bigger discounts
  • Pay in full: Pay your annual premium upfront
  • Windstorm mitigation (Florida only): Discounts for protecting your home from windstorm damage

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
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Progressive at a glance

Progressive

Twelfth-largest homeowners insurance company by market share, with $3,273,723,634 in direct premiums written, according to the 2024 NAIC Market Share Report

Policies are sold through more than 40,000 independent agents nationwide, or directly online or over the phone

Sells home insurance policies that are underwritten directly as well as through subsidiaries like Homesite

Contact Progressive at www.progressive.com or 888-671-4405.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Progressive Insurance. “Homeowners insurance discounts” Accessed December 2025.

Methodology 

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer 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, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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