Progressive Car Insurance Review 2024

Progressive Car Insurance Review

Progressive Car Insurance Review Progressive has superior rates for drivers with a DUI and many optional car insurance coverage types to choose from. It has a low level of complaints, which helps offset costs that are only average for good drivers and high for those who caused accidents or have a speeding ticket. Progressive Car Insurance has been a reliable and trusted name in the insurance industry for years. With their innovative policies and commitment to customer satisfaction, it’s no wonder they continue to be a top choice for car owners.

In this Progressive Car Insurance review, we’ll take a closer look at what sets them apart from other insurance providers, their coverage options, and the benefits they offer to policyholders. Whether you’re a new driver looking for your first car insurance policy or someone who wants to switch providers, this review will provide you with all the information you need to make an informed decision. So buckle up and get ready to learn why Progressive is the right choice for your car insurance needs.

Outlines Of Guide

Progressive Car Insurance Review

Progressive Car Insurance continues to be a popular choice for many drivers. With its wide range of coverage options and competitive rates, Progressive offers customers the flexibility and peace of mind they need when it comes to protecting their vehicles. One of the standout features of Progressive is its Snapshot program, which allows drivers to potentially lower their insurance premiums by demonstrating safe driving habits. Additionally, Progressive’s website and mobile app make it easy for customers to manage their policies, file claims, and access helpful resources. While no insurance company is perfect and individual experiences may vary, Progressive’s positive reputation and customer satisfaction ratings make it a strong contender in the car insurance market.

Progressive Car Insurance Pros And Cons

As of 2024, Progressive car insurance continues to be a popular choice for many drivers. One of the main advantages of Progressive is their competitive pricing and a wide range of coverage options. They offer discounts for safe driving, bundling policies, and even for using their Snapshot program, which tracks your driving habits to potentially lower your rates. Another benefit is their excellent customer service and user-friendly online tools that make managing your policy easy. However, some cons to consider include mixed reviews on claim handling and occasional rate increases after accidents or tickets. It’s important to carefully evaluate the pros and cons before deciding if Progressive car insurance is the right choice for you.

Pros

  • Has the cheapest rates for drivers with a DUI compared to the other companies we analyzed.
  • Offers accident forgiveness and a vanishing deductible.
  • Non-owner car insurance and SR-22 filings are available.
  • New car owners can add gap insurance, which is helpful if you owe more than the car is worth.

Cons

  • Progressive’s rates are just okay for those adding a teen to a policy and senior drivers.
  • You can try Progressive’s usage-based program (Snapshot) to potentially receive a decent discount. But your rates could go up if you receive a low driving score. Progressive says rates go up for 20% of drivers who use Snapshot.
  • Progressive scored a grade of C for its collision claim process among collision repair experts surveyed by the CRASH Network.

About Progressive Car Insurance

Progressive was founded in 1937 by Joseph Lewis and Jack Green, initially focusing on nonstandard auto insurance. The company later introduced the Safe Driver Plan in Ohio, providing reduced rates to accident-free drivers. Today, Progressive is the third-largest auto insurance company in the US and also offers commercial auto insurance and motorcycle insurance. Based in Mayfield Village, Ohio, it provides insurance for a wide range of vehicles, including classic cars, RVs, ATVs, and boats, as well as unique transportation options like Segways, Sea-Doos, golf carts, and snowmobiles.

Progressive Car Insurance Rates vs. Competitors

When it comes to car insurance rates, Progressive is known for its competitive pricing and value-added benefits. They offer a range of discounts, such as safe driver discounts, good student discounts, and multi-car discounts, that can help customers save money on their premiums. In comparison to other major insurance providers, Progressive’s rates are generally lower for drivers with clean records and those who require basic coverage. However, rates may vary depending on factors such as location, age, and driving history. It is always advisable to compare quotes from multiple insurance companies before making a final decision.

Progressive Car Insurance Cost Comparison for Good Drivers

Progressive offers reasonable car insurance prices for responsible drivers. Among the companies we studied, the national average annual rate for responsible drivers is $2,026, and Progressive’s pricing is $200 lower.

Company National average annual cost for good drivers
USAA $1,364
Nationwide $1,436
Travelers $1,521
Geico $1,597
Erie $1,642
Progressive $1,826
State Farm $2,025
Allstate $2,896
Farmers $3,093

Progressive Car Insurance Cost Comparison for Drivers With a Speeding Ticket

Progressive offers acceptable car insurance rates for drivers with a speeding ticket. While many competitors offer lower rates, Progressive’s rates are still below the national average of $2,533 per year. If you have a traffic ticket on your record, it’s wise to comparison shop for car insurance quotes because of the wide range of rates among insurers.

Company National average annual cost for drivers with a speeding ticket
USAA $1,661
Nationwide $1,878
Erie $1,899
Travelers $2,062
Geico $2,150
State Farm $2,270
Progressive $2,350
Allstate $3,312
Farmers $3,951

Progressive Car Insurance Cost Comparison for Drivers Who Caused an Accident With an Injury

Progressive car insurance rates for drivers responsible for an accident causing injury to another person are relatively high compared to certain competitors we assessed, yet still lower than the nationwide average of $3,009 annually.

Company National average annual cost for drivers causing an accident with injury
USAA $1,958
Erie $2,224
Travelers $2,293
Nationwide $2,337
State Farm $2,428
Geico $2,748
Progressive $2,770
Farmers $4,412
Allstate $4,545

Progressive Car Insurance Cost Comparison for Drivers With a DUI

Progressive offers the most affordable auto insurance for drivers with a DUI compared to the companies we assessed. Our analysis of major insurers shows that the national average annual car insurance cost for these drivers is $3,363, making Progressive’s rates more than $1,000 cheaper per year.

Company National average annual cost for drivers with a DUI conviction
Progressive $2,307
USAA $2,604
Travelers $2,610
Erie $2,665
State Farm $2,716
Nationwide $3,083
Geico $3,723
Farmers $4,272
Allstate $4,315

Progressive Car Insurance Cost Comparison for Drivers With Poor Credit

Progressive auto insurance rates are average for drivers with poor credit compared to other major insurers we studied. All states except California, Hawaii, Massachusetts, and Michigan allow auto insurance companies to consider credit history when determining rates. Insurers argue that a person’s credit score is linked to the likelihood of them filing an insurance claim, resulting in higher rates.

Company National average annual cost for drivers with poor credit
Nationwide $2,051
USAA $2,450
Geico $2,482
Travelers $2,699
Progressive $3,221
Erie $3,701
Allstate $4,531
Farmers $4,889
State Farm $7,961

Progressive Car Insurance Cost Comparison for Adding a Teen Driver

Progressive offers competitive rates for adding a teen driver to car insurance, with an average cost coming in about $300 lower than the national average. Adding a 16-year-old to a parent’s policy can result in a significant increase, with parents paying over $2,000 annually on average. Among the insurers analyzed, the national average cost for this addition is $2,359 per year.

Company Increase per year for adding a 16-year-old driver
Nationwide $893
Erie $1,606
Farmers $1,900
Geico $1,982
Progressive $2,062
USAA $2,466
State Farm $2,622
Allstate $2,643
Travelers $2,728

Progressive Car Insurance Cost Comparison for Young Drivers Ages 18 to 25

Progressive offers competitive car insurance rates for drivers aged 18 to 25, with an annual cost that is approximately $475 lower than the national average of $3,113 among the insurers we studied. The following prices apply to young drivers with their own auto insurance policies. Keeping a young driver on a parent’s policy for as long as possible can help reduce car insurance expenses.

Company National average annual cost for young drivers
Travelers $1,634
Erie $1,941
Geico $2,403
USAA $2,408
Nationwide $2,472
Progressive $2,635
Farmers $3,071
State Farm $3,263
Allstate $4,865

Progressive Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80

Progressive offers competitive car insurance rates for drivers between 65 and 80 years old. Our analysis of major insurers shows that the national average is $2,150 annually, while Progressive is approximately $200 less per year.

Company National average annual cost for senior drivers
Nationwide $1,402
USAA $1,455
Travelers $1,668
Geico $1,793
Erie $1,831
Progressive $1,937
State Farm $2,009
Allstate $2,996
Farmers $3,199

Auto Insurance Complaints Against Progressive

Progressive has a low rate of auto insurance grievances according to complaints filed with state insurance departments nationwide. Progressive’s complaints are significantly lower than the industry standard. The primary auto insurance grievances for Progressive are connected to claim processing delays, inadequate settlement offers, and claims adjusters’ handling.

Progressive’s Grade from Collision Repair Professionals: C

CRASH Network conducted a survey of collision repair professionals, in which Progressive received a C grade. The insights of these professionals are significant as they have firsthand experience with how insurers perform in the claims process, including their use of lower-quality repair parts, promotion of car maker-recommended repair procedures, and the efficiency of their claims processes for customers.

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Does Progressive Offer Accident Forgiveness?

Progressive provides accident forgiveness insurance, which can be included automatically or purchased as an add-on. There are three types of accident forgiveness offered by Progressive.

  • Small accident forgiveness
  • Large accident forgiveness
  • Add-on accident forgiveness benefits

Progressive car insurance policies in most states automatically include small accident forgiveness, which prevents rate increases for claims of $500 or less. For claims exceeding $500, large accident forgiveness is available to drivers who have been with Progressive for at least five years without any accidents or violations. Additionally, accident forgiveness benefits can be purchased to have one forgiven accident per policy period. If eligible for accident forgiveness through Progressive’s Loyalty Rewards program, the rewards benefits take precedence.

Does Progressive Offer New Car Replacement?

Progressive does not provide new car replacement coverage, which would cover the cost of replacing your vehicle with the same make and model if it is totaled and is generally limited to vehicles that are two model years old or less.

Does Progressive Offer Gap Insurance?

Certainly, Progressive provides loan or lease gap insurance, capped at 25% of the vehicle’s value, with the specific limit depending on the state. Gap insurance covers the shortfall if the amount owed on a damaged or stolen vehicle exceeds its actual worth. In the event of a total loss, where the insurance reimbursement is less than the outstanding car loan or lease balance, gap insurance bridges the gap. Opting for gap insurance can be advantageous for individuals with substantial car loans.

Does Progressive Offer a Diminishing Deductible?

Indeed, Progressive provides a diminishing deductible option, also referred to as vanishing or disappearing deductible, which decreases the policy’s deductible without increasing premiums for accident-free or ticket-free periods. This deductible decreases upon policy renewal and has the potential to reach $0. Progressive offers diminishing deductibles for various types of insurance, including cars, RVs, motorcycles, and boats.

Additionally, Progressive’s Deductible Savings Bank Coverage reduces $50 from comprehensive and collision deductibles for every six accident or ticket-free months. Therefore, a driver could potentially reduce their deductible by $100 within a year. Over five years of good driving, an individual with a $500 deductible may end up with no deductible at all.

Does Progressive Offer SR-22s?

Certainly, Progressive offers SR-22 insurance. Individuals who may require an SR-22 include those with DUI convictions and drivers who are involved in multiple accidents. An SR-22 is a document that an insurance company submits to the state to confirm that you have adequate car insurance coverage. The requirements for SR-22 vary by state, but individuals typically need to maintain the certificate for a minimum of three years.

Does Progressive Offer Usage-Based Insurance?

Progressive offers a usage-based insurance program named Snapshot, which can track your driving using a mobile app or a plug-in device. The Snapshot app monitors miles driven and driving behaviors such as acceleration, braking, and phone usage in some states. On average, Progressive claims that Snapshot can lead to a yearly savings of $146. However, your rates could potentially rise if Snapshot determines that you pose a higher risk as a driver.

Does Progressive Offer Pay-Per-Mile Insurance?

Progressive does not provide pay-per-mile car insurance. While Progressive’s Snapshot monitors mileage, it is not exclusively a pay-per-mile insurance choice. A pay-per-mile policy calculates your rates in part based on your mileage, but it does not monitor driving behaviors like speeding. Individuals who do not drive a lot may find a pay-per-mile insurance policy advantageous.

Does Progressive Offer Rideshare Insurance?

Certainly, Progressive provides a rideshare insurance option that can be included in a Progressive auto insurance policy. The rideshare insurance offered by Progressive provides coverage when the rideshare app is active and the driver is waiting for a passenger to confirm transportation. Although transportation network providers like Uber or Lyft offer insurance after a ride request is accepted, rideshare drivers may lack insurance coverage while waiting for a ride request. This is where a rideshare endorsement such as Progressive’s can be beneficial.

Progressive Stops Selling Insurance for Certain Hyundai and Kia Models

Progressive has ceased the sale of new car insurance policies for certain Hyundai and Kia models due to a surge in vehicle theft, as reported by the St. Louis Post-Dispatch. This decision affects specific cities with high theft rates. The theft of Hyundais and Kias has increased significantly following a popular TikTok video demonstrating how to easily steal models from 2011 to 2021 that do not have engine immobilizers.

Current policyholders with Hyundai and Kia coverage will maintain their existing coverage, but they may encounter higher premiums at renewal, particularly for comprehensive coverage, which includes theft protection. If you encounter difficulties obtaining insurance for a Hyundai or Kia, or if you notice increased costs, it is advisable to explore coverage options from multiple providers to secure affordable rates.

Additional Progressive Insurance Options

Other optional auto insurance coverage Progressive offers include:

  • Roadside assistance
  • Custom parts coverage
  • Rental reimbursement insurance

Progressive’s Auto Insurance Discounts

Progressive provides numerous discounts, particularly for drivers who demonstrate safe driving habits. If you have a teenage driver, explore Progressive’s discounts for teen drivers, high-achieving students, and students living away at school.

  • Automatic payments: For those who don’t want to pay in advance, you can set up automatic payments from your checking account and receive a discount. Unfortunately, you can’t combine the pay-in-full discount and automatic payment discount.
  • Continuous insurance: If you’ve continuously had an auto insurance policy with no gaps or cancellations, whether it’s with Progressive or another insurance company, you may be eligible for a discount.
  • Distant student (student away at school) discount: Ask about this discount if you have a driver age 22 or younger on your policy and they go to school 100 miles or more away from home and don’t have a car with them.
  • Good student discount: If you add a student to your policy and they maintain a “B” average or better, ask about this 10% discount.
  • Homeowner discount: Even if you don’t insure your home through Progressive, you could receive an average of 10% off your policy for being a homeowner.
  • Multi-car discount: Save an average of 12% by insuring more than one vehicle on your Progressive auto insurance policy.
  • Multi-policy discount: Do you have multiple policies with Progressives, such as home and auto insurance? If so, this discount can save you an average of 5% on average.
  • Online quote discount: You could receive an average of 7% off your policy if you get a quote online for a Progressive policy.
  • Paperless discount: If you opt for paperless statements, you will automatically receive a discount.
  • Pay in full discount: Make sure to get this discount if you pay the full insurance bill upfront.
  • Sign online discount: Progressive will take an average of 9% off if you sign your policy documents online.
  • Teen driver discount: Progressive offers discounts for teen drivers on your policy to help offset the cost of adding an inexperienced driver.

More Insurance from Progressive

Progressive offers homeowners and renters insurance, which may be provided by a different insurance company through Progressive’s insurance agency. Additionally, Progressive provides various types of small business insurance, such as business owners policy, professional liability, workers compensation, commercial auto insurance, and general liability insurance. In response to the ongoing challenges of identity theft and cybercrime, Progressive also offers identity theft protection and a credit monitoring service supported by Experian to help individuals safeguard their assets from fraud and theft.

Progressive also sells:

  • Life insurance
  • Health insurance
  • Dental insurance
  • Vision insurance
  • Pet insurance
  • Phone and electric device insurance

Progressive Insurance Mobile App

The Progressive app lets users easily manage their insurance policies from their smartphones. Some mobile app features include:

  • Access policy information
  • Make payments
  • Access insurance cards and other documents
  • Report a claim
  • Request roadside assistance
  • Explore other Progressive products

What States Does Progressive Car Insurance Operate In?

Progressive, one of the largest car insurance providers in the US, is available in all 50 states and Washington, D.C. This means that customers can access their services regardless of where they are located in the country. This availability ensures that Progressive’s customers have peace of mind knowing they have reliable coverage no matter where their travels take them.

Methodology

We assessed every car insurance company to determine the top ones by considering their average rates for different drivers, the coverage options provided, any complaints lodged against the company, and collision repair ratings from auto body experts.

Auto insurance rates (50% of score)

Data from Quadrant Information Services was utilized to determine the average rates from each company for various driver profiles, including good drivers, those with a history of accidents, speeding tickets, DUIs, poor credit, driving without insurance, adding a teen driver, senior drivers, and young drivers. The rates are based on a 40-year-old female driver with a Toyota RAV4 and specific coverage, unless stated otherwise.

  • $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
  • Uninsured motorist coverage of 100/300.
  • Collision and comprehensive insurance with a $500 deductible.

Car insurance coverage options (25% of score)

It is essential for any car insurance provider to offer fundamental liability insurance, collision and comprehensive coverage, as well as other standard options. However, it is equally crucial to have access to supplementary coverage options that can offer enhanced protection or financial benefits. Within this criteria, we evaluated companies that extend benefits such as accident forgiveness, new car replacement, disappearing deductibles, usage-based or pay-per-mile insurance, and SR-22s.

Complaints (20% of score)

The complaint data utilized was obtained from the National Association of Insurance Commissioners. Each state’s insurance department is responsible for recording and overseeing complaints against companies operating within their respective states. The majority of auto insurance complaints revolve around claims, such as inadequate settlements, delays, and rejections. The industry average for complaints is 1.00, meaning that companies with a ratio below 1.00 experience fewer complaints.

Collision repair (5% of score)

We integrated ratings of insurance firms from professionals in collision repair. The data was sourced from CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance sectors. CRASH Network’s Insurer Report Card utilized assessments from over 1,000 collision repair professionals to evaluate auto insurers based on the excellence of their collision claims service.

Progressive Car Insurance Review faqs 2024

How can I file a car insurance claim with Progressive?

To file a claim, log in to the policyholder portal on the app or site. You can also call 800-776-4737.

How can I contact Progressive?

Progressive can be reached at 888-671-4405 24/7. Additionally, you can communicate with the company using its online chatbot or on X at @Progressive.

In which states does Progressive sell auto policies?

Progressive sells auto insurance nationwide.

How do I get a car insurance quote from Progressive?

You can get a quote via the site or app. You’ll need to enter your ZIP code, then your name, birthdate and mailing address before being able to view your rates. Otherwise, call Progressive at 855-347-3939.

What is cheaper than Progressive?

Cheapest national companies
Company Full coverage Liability only
State Farm $99 $41
Geico $52 $140
Progressive $63 $156
Nationwide $69 $164

Summary

Progressive Car Insurance is a reputable and trusted insurance provider that offers a wide range of coverage options for drivers. With their innovative Snapshot program, customers can take advantage of personalized rates based on their driving habits. Progressive’s commitment to customer satisfaction, affordable premiums, and convenient online tools make them a top choice for car insurance. If you’re looking for reliable coverage and excellent customer service, consider getting a quote from Progressive today. Progressive offers competitive rates for drivers with a DUI and provides a variety of optional car insurance coverage. Despite average costs for good drivers and higher costs for those with accidents or speeding tickets, Progressive has a low level of complaints.

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