Progressive home insurance review and ratings 2024

Progressive is the No. 7 company among national insurers in the 2024 Insure.com Best Insurance Companies ranking, with a score of 3.4 stars out of 5. Most customers say they would renew their policies and recommend the company to others.
Please enter valid zip Compare top carriers in your area
 | Updated on:
insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Our take 

Progressive is an increasingly popular choice for home insurance and one of the biggest insurance companies in the nation. It landed at No. 7 in the 2024 Insure.com Best home Insurance Companies ranking among national insurers.

Most Progressive customers plan to renew their policy (94%), while 93% would recommend the company to others. Progressive was also highly rated on our survey for claims handling. 

The company also scored well on Insure.com’s insurance-consumer survey for discounts and policy offerings. However, Progressive doesn’t have the lowest rates among the companies in our ranking – at $3,193, Progressive’s rates are above average.  

In most areas, the company has earned a good reputation. 

Progressive has an A+ rating with AM Best, which means it’s on solid financial ground and won’t have trouble paying claims.

Progressive
Progressive Ratings
Overall Rating: 3.4
Average Premium: 2.2
NAIC: 8.45
Customer Satisfaction: 4.1
AM Best Rating: A+

Pros and Cons 

Pros:
  • Highly recommended by current customers
  • Highly rated for claims handling
  • Most customers plan to renew
Cons:
  • Rates are higher than average
  • Didn’t score as well as competitors for ease of service

Below is Insure.com’s review of the company. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.

How much Progressive insurance cost

Progressive’s average home insurance rate nationwide is $3,193, which is above the national average and higher than most competitors.

CompanyAverage annual rate
Amica$2,000
Allstate$2,098
Auto-Owners$2,160
State Farm$2,169
Erie$2,183
American Family$2,504
Nationwide$2,746
Progressive$3,193
Farmers$3,194
Travelers$3,701

How Progressive scores on customer satisfaction

Our survey found that 79% of Progressive customers rated it highly for customer satisfaction. It wasn’t the highest score, which belonged to Erie at 89%, but it was in the top half of the companies we ranked.

Progressive also has a score of 791/1,000 in J.D. Power’s 2023 U.S. Home Insurance Study customer satisfaction index, below the industry average of 819.

CompanyPercent of customers that are satisfiedJ.D. Power overall satisfaction score (out of 1,000)
Progressive79%791
State Farm85%829
American Family84%813

How Progressive scores on policy offerings

Progressive scored well when it comes to policy offerings, with 82% of customers saying they’re satisfied. It tied with State Farm for third place in this category and was only a few points behind category winner Erie, which scored 86%. Progressive offers everything from RV insurance to wedding insurance, so a high score in this category is appropriate.

CompanyPercent of customers satisfied with the company’s policy offerings
Progressive82%
State Farm82%
Travelers69%

How Progressive scores on ease of service

When it comes to ease of service – how easy it is for customers to access policy documents and services – Progressive customers scored it below other competitors. At 78%, Progressive is well behind category winner American Family.

CompanyPercent of customers satisfied with the company’s ease of service
Progressive78%
American Family 89%
Allstate82%

Would current customers recommend Progressive to others?

According to our survey, Progressive comes highly recommended by current customers; 93% would recommend it for home insurance.  Only  Erie, which won this category at 95%, came in higher than Progressive.

CompanyPercent of customers who would recommend the company to others
Progressive93%
American Family91%
State Farm88%

How trustworthy is Progressive?

Progressive has earned the trust of most of its customers, but it was rated slightly lower than some other national competitors. Only American Family and State Farm broke 80% in this category.

CompanyPercent of customers who say they trust the company
Progressive73%
State Farm83%
Travelers69%

Do Progressive customers plan to renew?

According to our survey, 94% of Progressive customers plan to renew their home insurance with the insurer, which is very high. It tied with State Farm in this category and was only outscored by Erie at 97%.

CompanyPercent of customers who plan to renew with the company
Progressive94%
Travelers90%
American Family89%

How Progressive scores on claims handling

Progressive scored fairly well in this category, where only two companies scored above 80% However, in J.D. Power’s 2023 claims satisfaction study, Progressive ranks toward the bottom. The average J.D. Power claims satisfaction score is 874.

CompanyPercent of customers who are satisfied with claims serviceJ.D. Power claims satisfaction score (out of 1,000)
Progressive74%851
State Farm78%880
Farmers70%873

How Progressive scores on digital experience

Progressive is known for its use of technology, and 44% of customers chose digital experience as one of the top three things the company is best for. That tied for the top score with Allstate and Travelers. No company broke 50% in this category.

The Progressive app is highly rated, with 4.8 stars in the Apple App Store and 4.6 stars in the Google Play store.

CompanyPercent of customers who say the company is best for digital experience
Progressive44%
State Farm40%
Amica27%

How Progressive rates for bundling home and auto policies

When asked to choose the top three things Progressive is best at, 48% of customers chose bundling as one of the three. That’s close to or better than the score for top competitors, even though Progressive’s average discount is much smaller. Erie was an outlier, winning the category at 73%.

CompanyPercent of customers who say the company is best for bundlingAverage bundling discount
Progressive48%5%
Travelers44%12%
Farmers43%15%

How Progressive rates for discounts

When selecting the top three things Progressive is best for, 46% chose discounts as one of their picks. That was on par with many competitors. American Family won this category at 54%.

Company Percent of customers who say the company is best for discounts
Progressive 46%
Nationwide 47%
Allstate 45%

Progressive home insurance coverage types 

  • Homeowners
  • Condo 
  • Flood 
  • Home security 
  • Home warranty 
  • Mobile home 
  • Renters

Progressive home insurance discounts 

  • Bundle homeowners and auto 
  • Alarm systems and safety devices 
  • Quote in advance 
  • New purchase 
  • Pay in full 
  • Receive documents by email 
  • New home construction
  • Wind mitigation (Florida)

Other policies offered 

  • Auto
  • ATV 
  • Boat 
  • Classic car 
  • Golf cart 
  • Mexico auto 
  • Motorcycle 
  • PWC 
  • RV 
  • Segway 
  • Snowmobile 
  • Dental 
  • Health 
  • ID theft 
  • Life 
  • Pet 
  • Phone and electronics 
  • Travel 
  • Umbrella 
  • Vision 
  • Wedding 
  • Business Insurance

States where Progressive offers coverage

Graph
Table
States where Progressive offers coverage
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
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
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

On March 10, 1937, Joseph Lewis and Jack Green started Progressive Mutual Insurance Company to provide vehicle owners with security and protection. In 1956, Progressive Casualty Insurance Company was founded as the first specialty underwriter of nonstandard insurance.

The company expanded to writing other lines of business, including home. In addition to providing customers quotes from other companies through its agency, Progressive underwrites its own home insurance program.

Progressive was one of the first insurers to launch a website; it provides coverage across the United States, and is bundling options, discounts, and its well-designed digital experience.

Resources & Methodology

Sources:

Progressive. “Homeowners insurance.” Accessed January 2024.

J.D. Power. “2023 U.S. Property Claims Satisfaction Study.” Accessed January 2024.

J.D. Power. “2023 U.S. Home Insurance Study.” Accessed January 2024.

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,151 people with home insurance). The survey was conducted by online market research company Slice MR.

Respondents were asked to name their home insurer and then grade it in the following categories: customer satisfaction, ease of service, claims satisfaction 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 – including digital experience, discounts best for auto/home bundling and best for discounts. The number of responses for each attribute were totaled before dividing 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 home insurer to someone else and if they planned to renew their policies. 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 measure 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.

They 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 home 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)
  • AM Best: 25% of total score
  • Annual premium: 20% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

author image
Barry Eitel
Contributing Researcher

 
  

Barry Eitel is a content writer and journalist focused on insurance, small business and finance. He has researched and written about personal finance since 2012, with a special focus on entrepreneurship, freelancing and other small business operations. His writing on insurance and small business has been featured in 7x7, Brit + Co, Intuit Quickbooks, Bankrate, Policygenius and Lendio.

Similar Companies

ZIP Code Please enter valid ZIP
On this page