Introduction

Progressive is one of the largest and most innovative auto insurers in the United States. Founded in 1937, the company has built a reputation for competitive pricing, a wide range of coverage options, and a strong digital presence. Progressive is the second-largest personal auto insurer in the country and is well-known for its “Name Your Price®” tool, Snapshot® usage-based insurance, and a suite of digital tools that make shopping for and managing insurance easy. This review provides a comprehensive look at Progressive’s value proposition, customer feedback, pricing, digital experience, and overall industry standing in 2025.

Company Overview

Progressive Corporation is headquartered in Mayfield Village, Ohio, and operates nationwide, offering auto, home, renters, motorcycle, boat, and commercial vehicle insurance. Progressive’s auto insurance is available in all 50 states, and the company partners with an extensive network of independent agents, as well as offering direct-to-consumer sales online, by phone, and via its mobile app. Progressive is publicly traded on the NYSE under the symbol PGR and continues to experience strong growth, with plans to hire more than 12,000 people in 2025 to support its expanding customer base.

Value Proposition

Coverage and Customization Options

Progressive offers a broad array of standard and optional coverages, making it easy for customers to tailor policies to their needs:

• Standard Coverages: Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection.
• Custom Parts and Equipment Coverage: For modified or custom vehicles.
• Gap Insurance: Pays up to 25% above the car’s value if it’s totaled, to help cover loan or lease balances.
• Rideshare Insurance: For drivers with companies like Uber and Lyft.
• Pet Injury Coverage: Included with collision coverage in most states, covering vet bills if your pet is injured in a car accident.
• Deductible Savings Bank: Reduces your deductible by $50 every six months you remain claim-free.
• SR-22 Filing: Available for high-risk drivers who need proof of insurance.

Progressive’s “Name Your Price®” tool allows users to enter their budget and see coverage options that fit, while the HomeQuote Explorer® and other digital tools streamline the insurance shopping process.

Discount and Savings Opportunities

Progressive offers a robust suite of discounts, including:

• Multi-policy (bundling auto with home, renters, or other insurance)
• Multi-car
• Safe driver (Snapshot® telematics program)
• Good student
• Continuous insurance
• Online quote and paperless discounts
• Pay-in-full and automatic payment discounts

Progressive is especially competitive for high-risk drivers, offering affordable SR-22 filings and lower-than-average rates for drivers with DUIs or certain violations.

Digital and Customer Support

• Website and Mobile App: Progressive’s digital tools are among the best in the industry, allowing customers to get quotes, manage policies, file claims, and track Snapshot® progress online or via mobile.
• Customer Service: Support is available online, via phone, and through a large network of local agents.

Pricing and Cost Competitiveness

Progressive’s average annual rate for full coverage is $1,960, which is about 18% below the national average of $2,399. Minimum coverage averages $638 per year, closely matching the national average. Progressive is often among the most affordable options for high-risk drivers, with DUI rates over $500 below the national average.

 | Driver Profile | Progressive Avg. Annual Full Coverage | National Avg. Annual Full Coverage
 | Good driver with good credit | $1,960 | $2,399
 | Driver with a DUI | $2,770 | $3,305
 | Driver with an at-fault accident | $3,169 | $2,812
 | Driver with bad credit | $3,414 | $3,377
 | 25-year-old driver | $2,723 | $2,113
 | Senior driver | $1,689 | $1,666

Progressive’s pricing is competitive for many drivers, especially those with clean records or high-risk profiles, though rates can be higher for drivers with at-fault accidents or poor credit.

Customer Feedback and Satisfaction

Positive Aspects

• Competitive Pricing: Many customers find Progressive’s rates lower than competitors, particularly for high-risk drivers and those who bundle policies.
• Digital Experience: Progressive’s website and mobile app are highly rated for ease of use and robust features.
• Discounts and Customization: The company’s wide range of discounts and flexible policy options receive frequent praise.
• Innovative Tools: Features like Snapshot® and Name Your Price® are appreciated for helping users find savings and customize coverage.

Negative Aspects

• Customer Service: Reviews are mixed, with some customers citing delays or dissatisfaction with claims handling and communication.
• Claims Satisfaction: Progressive scores below average in some regions for claims satisfaction, according to J.D. Power and NerdWallet.
• Rate Increases: Some users report unexpected premium increases at renewal, even without claims.

Representative Customer Experiences

“Progressive’s website made it easy to compare and customize my coverage. I saved over $300 by switching and using Snapshot® for a safe driving discount.”

“I had a claim after an accident and the process was slower than I expected, but my agent was helpful.”

“Great for high-risk drivers. I got a much better rate with Progressive after a DUI than anywhere else.”

Industry Ratings and Third-Party Evaluations

• Bankrate: 4.4/5 for auto insurance, highlighting digital tools, competitive rates, and strong coverage options, but notes mixed customer service ratings.
• NerdWallet: 4.5/5, citing a great set of discounts and innovative features, but below-average claims satisfaction.
• AutoInsurance.com: Notes Progressive’s affordability for good drivers and those with DUIs, but mixed satisfaction scores in some states.
• Forbes and MarketWatch: Both recognize Progressive for its broad coverage, digital experience, and strong financial stability, while noting some customer service concerns.
• AM Best: Excellent financial strength rating.

Website and Digital Experience

Progressive’s website and mobile app are among the most advanced in the industry, offering:

• Fast, customizable quotes
• Policy management, payments, and claims filing
• Snapshot® telematics integration
• Digital ID cards and roadside assistance
• Educational resources and coverage guides

Unique Features and Innovations

• Name Your Price® Tool: Lets users set a budget and see coverage options that fit.
• Snapshot®: Usage-based insurance program that rewards safe driving with discounts.
• Deductible Savings Bank: Reduces deductibles for claim-free periods.
• Pet Injury Coverage: Included with collision coverage in many states.

Strengths and Weaknesses

Strengths

• Competitive rates, especially for high-risk drivers
• Wide range of coverage and discounts
• Strong digital tools and mobile app
• Innovative features (Snapshot®, Name Your Price®)
• Nationwide availability and large agent network

Weaknesses

• Mixed customer service and claims satisfaction
• Premium increases at renewal for some users
• Rates can be higher for drivers with at-fault accidents or poor credit

How Progressive Compares to Competitors

 | Company | Avg. Annual Full Coverage | Avg. Monthly Full Coverage | Notable Features
 | Progressive | $1,960 | $163 | Snapshot®, Name Your Price®, digital tools
 | Allstate | $2,605 | $217 | Bundling, Drivewise, agent network
 | GEICO | $1,731 | $144 | Competitive rates, digital-first
 | State Farm | $2,167 | $181 | Strong agent network, multi-car discount
 | USAA | $1,407 | $117 | Military-focused, high satisfaction
 | National Avg. | $2,399 | $200 |  

Progressive stands out for its technology, pricing for high-risk drivers, and flexible policy options, while some competitors may offer better claims satisfaction or lower rates for certain profiles.

Conclusion: Is Progressive Right for You?

Progressive is a top choice for drivers seeking competitive rates, robust digital tools, and a wide range of coverage options. It is especially appealing for high-risk drivers, those looking to bundle policies, or anyone who values a streamlined online experience. However, customers who prioritize top-tier claims satisfaction or have poor credit may want to compare quotes with other leading insurers. Overall, Progressive’s combination of innovation, affordability, and nationwide reach make it a strong contender in the auto insurance market.

References

1.      Progressive Insurance – Company Overview and Digital Tools: https://progressive.mediaroom.com/2025-04-28-progressive-insurance-R-intends-to-hire-more-than-12,000-people-in-2025-to-support-companys-continued-growth

2.     Bankrate: Progressive Insurance Review 2025: https://www.bankrate.com/insurance/reviews/progressive/

3.     AutoInsurance.com: Progressive Insurance Review 2025: https://www.autoinsurance.com/companies/progressive/reviews/

4.     NerdWallet: Progressive Auto Insurance Review 2025: https://www.nerdwallet.com/insurance/auto/progressive-auto-insurance-review

5.     MarketWatch: Progressive Insurance Review (2025): https://www.marketwatch.com/insurance-services/auto-insurance/progressive-insurance-review/

6.     Forbes: Progressive Car Insurance Review 2025: https://www.forbes.com/advisor/car-insurance/progressive-car-insurance-review/

7.     Progressive: Insurance Reviews & Ratings: https://www.progressive.com/insurance-reviews/

8.     BBB: Progressive Customer Reviews: https://www.bbb.org/us/oh/mayfield-village/profile/insurance-companies/progressive-corporation-0312-7000031