Review of Progressive Insurance
Review of Progressive Insurance
- Reviews by product:
- Renters Insurance
- Motorcycle Insurance
Progressive's strengths are its auto and motorcycle insurance policies. While Progressive isn't the cheapest provider, its decent customer service and range of features and discounts make it a good insurance company to consider.
Conversely, Progressive's homeowners and renters insurance aren't strong options like its other offerings. We found that both types of property insurance are usually more expensive options, and can be inconsistent depending on which underwriters are available in your area.
Progressive | Rating |
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| Price | |
| Coverage | |
| Customer service | |
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Is Progressive insurance good? Our thoughts
The rates for all of Progressive's insurance products tend to be average or slightly more expensive than other insurers. However, you could find cheap coverage depending on your location.
Some policyholders, such as drivers with a previous history of accidents or renters who want to insure a lot of property, could see cheaper rates than they would with other companies.
Progressive's customer service isn't exceptional. You'll likely experience minor irritations, including long phone wait times and a lot of back and forth before a claim is paid.
If you decide to sign up for a homeowners insurance policy with Progressive, you'll be at the mercy of the specific company that underwrites your policy.
Compare Progressive to other top auto insurance companies | |
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Progressive Auto Insurance
Progressive auto insurance quotes comparison
Across most driver profiles, Progressive rates are near competitors' averages. However, Progressive has the best rates for drivers with past accidents. We found that Progressive's auto insurance rate is $456 cheaper than the next most affordable option for drivers with a previous accident. On the other hand, young drivers will likely find Progressive's rates to be on the high end. Their quotes for an 18-year-old driver were the second least affordable rates for our sample .
Find the Cheapest Car Insurance Quotes in Your Area
Insurer | 18 year old male | 42 year old couple with accident | 81 year old female |
|---|---|---|---|
| Progressive | $3,788 | $1,523 | $1,260 |
| Allstate | $3,335 | $1,979 | $1,839 |
| State Farm | $3,131 | $2,071 | $1,019 |
| Farmers | $4,021 | $2,055 | $1,016 |
Progressive auto insurance coverage options
Progressive offers all the auto insurance coverages you'd expect from a national insurance company. However, it does also provide a couple of unique coverages, such as pet injury coverage and custom parts and equipment value coverage.
Pet Injury: If your dog or cat is injured in a car accident, Progressive will pay for any veterinarian bills associated with the accident. The coverage is part of your collision insurance, meaning that you would have to pay the deductible of your policy to be able to file a claim. If you have a pet, it's possible that you already have pet insurance, but the deductible for Progressive's pet injury coverage may be less than the deductible on your pet insurance policy, which could save you money.
Custom Parts & Equipment Value: If you enjoy customizing your vehicle with aftermarket parts, consider adding this endorsement. Progressive provides $1,000 of coverage for accessories and custom parts like stereos, navigation systems and grilles under both collision and comprehensive coverage. You can purchase coverage beyond $1,000 separately from Progressive.
Gap Insurance: If you're involved in an accident, your collision policy will typically only cover the cost of your car up to its actual cash value, which may be less than what you owe on a loan or lease. Gap insurance is meant to cover you for the difference between the balance on a loan or a lease and your car's value. Progressive limits its gap insurance coverage to 25% over a vehicle's actual cash value. However, the endorsement is worth it if you recently purchased a new car, as Progressive's average customer pays only $5 a month for it.
Rental Reimbursement: If your car is involved in an accident, this endorsement will reimburse you for the cost associated with renting a vehicle while your car is being repaired. The endorsement is only valid for 30 days, and coverage limits range from $30 to $50 a day.
Standard Coverages Offered Through Progressive
- Liability coverage
- Medical payments
- Uninsured/Underinsured bodily injury
- Collision coverage
- Comprehensive coverage
- Uninsured motorist property damage
Progressive's auto insurance discounts
Progressive provides a standard set of discounts to its policyholders, but it also offers its unique Snapshot program. While the program isn't a discount itself, customers can achieve discounts by partaking in the program.
Discount | How to qualify |
|---|---|
| Start Your Quote Online | Receive this discount when you begin the quote process online and then purchase on the phone. |
| Safe Driver | Receive a discount when you go three years without any tickets or accidents. |
| Multicar | Receive a discount when you insure multiple vehicles with Progressive. |
| Homeowner | You're eligible for a discount if you own a home, even if it's not insured with Progressive. |
| Continuous Insurance | Maintain car insurance coverage with no gaps or cancellations. This discount is valid even if you were insured with another company. |
| Sign Documents Online | Sign your insurance documents online when purchasing a policy. |
| Pay in Full | Pay the total cost of your policy upfront instead of paying monthly. |
Highlight Discount: Progressive Snapshot
Progressive Snapshot is a device (and now a mobile app) that tracks your driving habits for the purposes of unlocking an auto insurance discount. You can sign up for the program either when you start the policy or at any point in the duration of your policy. You can either plug the Snapshot device into your car's diagnostic port or download the mobile app to your phone. Progressive will then track information like your mileage, braking habits and time of the day you drive.
Drivers who show safe habits will receive discounts on their premiums. However, your rate can also increase if Snapshot indicates you're an unsafe driver. Progressive says that 2 out of every 10 drivers receive an increase to their premiums rather than a discount. You'll get an automatic discount, an average of $25, just for signing up. After you complete the program, which usually takes six months, you'll get another discount that averages $130.
Auto insurance take-away: Progressive is one of the largest auto insurance companies in the U.S., serving 9% of the auto insurance market in terms of premiums underwritten. Its large size allows the company to offer discounts, coverage options and rates that are comparable to other large national insurance companies.
Experienced drivers and drivers who have had previous accidents are likely to find solid auto insurance rates with Progressive. People who drive conservatively will also most likely find the best rates with Progressive, thanks to the Snapshot program. If that's not you, you'd likely find better rates and service elsewhere.
Progressive Home Insurance
Find Cheap Homeowners Insurance Quotes in Your Area
Progressive's home insurance is about average. Progressive doesn't write its own policies, relying on underwriters instead. This means the rates you pay, as well as the coverages and discounts available to you, fluctuate depending on which underwriters operate in your area.
Progressive home insurance rates
Due to Progressive's lack of a sophisticated quote comparison tool, comparing its rates with its competitors can be difficult. Unlike its auto, motorcycle and renters insurance forms, Progressive doesn't allow you to customize your preferred policy limits easily.
Instead, when you enter your address, Progressive estimates the value of your home and uses that information to provide you with a range of prices from the underwriters available in your area. You must speak to an agent in order to get a price that's different from the one based on the site's estimate of your property.
Progressive home insurance coverage
It's difficult to compare prices and purchase coverage without first speaking to an agent over the phone.
Progressive's homeowners insurance provides protection for your dwelling, personal property and covers loss of use expenses if your home becomes uninhabitable for a period of time. Like with most other policies, you get coverage for your property's other structures as well as medical payments to others.
The liability coverage you get with Progressive doesn't align with what's most common for other home insurance providers. While personal liability is included with any home insurance policy, you must purchase liability for personal injury as a separate endorsement. This covers lawsuits involving slander or libel, wrongful eviction and false arrest, which may be more expensive than other suits.
We found that not electing to purchase this coverage slightly decreases the price of your premiums. However, it could be beneficial to add if your behavior or that of your family members could leave you open to lawsuits.
To get an accurate description of the coverages offered near you, Progressive recommends requesting a quote and contacting underwriters in your area.
Progressive home insurance discounts
The discounts that come with Progressive home insurance, like its rates, vary depending on your location and which underwriters operate in your area. Along with auto and home bundle discounts, you may be able to get the following discounts for your policy:
- Installing alarms in your home
- Purchasing a new home
- Paying for a 12 month policy upfront
Home and renters insurance take-away: For most people, there are companies selling home and renters insurance that offer better coverage for cheaper prices than Progressive. If you're someone with a lot of property, Progressive might be a provider to consider for renters insurance. Otherwise, Progressive's underwriting model makes its home insurance inconsistent and inconvenient.
Progressive Renters Insurance Review
Progressive renters insurance is better than its home insurance, but its high rates and few endorsements make it a below-average insurer for many people.
Progressive renters insurance rates
It's easy to request renters insurance rates and compare quotes with Progressive. Using the insurer's online quote form, we found we could receive a quote in less than five minutes. Also, unlike with Progressive home insurance, you can adjust the amount of coverage you want to receive online.
Find Cheap Renters Insurance Quotes in Your Area
Insurer | $15,000 | $30,000 | $50,000 |
|---|---|---|---|
| State Farm | $205 | $280 | $387 |
| Farmers | $263 | $390 | $566 |
| Allstate | $286 | $426 | $665 |
| Progressive | $349 | $429 | $566 |
Generally, we found that Progressive renters insurance is more expensive than its competitors. We recorded quotes for a property in Atlanta, Georgia for three levels of property protection. Progressive was the most expensive option among other large providers until we requested $50,000 of property.
Since your own rates may differ depending on where you live, we recommend using our quote box to connect with a Progressive office near you to get the most accurate quote for your property.
Progressive renters insurance coverages
A standard Progressive renter’s insurance policy includes coverage that's typical for most insurers, including:
- Personal property protection
- Personal liability insurance
- Loss of use coverage if your home is unlivable for a period of time
Like its home insurance, Progressive doesn't include personal injury protection in its liability provision. Instead, you must purchase it yourself through Progressive's Enhanced Coverage package, which increases the price of your policy by less than $100 per year.
Progressive renters insurance discounts
If you decide to purchase Progressive renters insurance, you could decrease the cost of your premiums if you qualify for discounts. The most notable discounts offered by Progressive for its renters are savings for getting a quote at least three days in advance of your policy's start date and electing to receive policy documentation and bills by email.
By bundling Progressive renters insurance with an auto insurance policy, you could receive one deductible rather than one for each policy.
The coverage that comes with Progressive renters insurance is comparable to its home insurance policies. Policies come with forms of protection that are commonly offered by other insurers. Like with its homeowners insurance packages, its endorsements are sparse: you could add $5,000 of water backup protection or personal injury liability coverage.
Progressive Motorcycle Insurance
Progressive motorcycle insurance is a great option for many of the country's riders. Unlike other providers, it's available in all 50 states and will cover any legal street bike or ATV.
While Progressive's average cost is slightly higher nationally than other companies, it can be among the cheapest options depending on the state.
Progressive motorcycle insurance rates
We found that Progressive motorcycle insurance costs about $65 more per year than the national average cost. In some states, like Pennsylvania, Progressive is the cheapest insurer in the state by a considerable margin. For the most accurate rates, we recommend requesting a quote for your area from Progressive.
Find Cheap Motorcycle Insurance Quotes in Your Area
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $514 |
| 2 | Nationwide | $564 |
| 3 | National Average | $702 |
| 4 | Progressive | $767 |
| 5 | Dairyland | $839 |
It's easy to compare motorcycle insurance quotes with Progressive's online quote form. As long as you know basic information about your motorcycle, like its make and model, we found it takes about five minutes to get a rate.
Progressive motorcycle insurance coverages
Progressive is the top option for motorcycle insurance due to its breadth of coverage options and discounts.
Aside from its free add-ons, Progressive's motorcycle insurance comes with standard coverages listed below:
- Bodily injury and property damage liability coverage
- Uninsured and underinsured motorist coverage
- Comprehensive and collision coverage
- Medical payments
Progressive motorcycle insurance discounts
Progressive motorcycle insurance comes with a wide range of options you could use to save money on your policy's premium. In fact, among its competitors, Progressive tends to offer the most discounts. Additionally, most are fairly easy to achieve, like discounts for:
- Requesting a quote in advance of your policy's start date
- Carrying a valid motorcycle license or endorsement
- Maintaining a clean driving history
- Electing to make automatic payments
- Paying your premiums in-full
- Complete a safety course
We like Progressive for its bevy of endorsements and the extra coverages included in the price of a standard policy. Each Progressive motorcycle insurance plan comes with replacement cost coverage and $3,000 of protection for your bike's custom parts if you add comprehensive and collision.
You can add onto your policy by electing to purchase Progressive's endorsements, which include total loss coverage for bikes that are two years old or younger. Additionally, you could add more common — though still very practical — endorsements like roadside assistance, carried-contents protection or original equipment manufacturer parts coverage.
Progressive Insurance Customer Service Ratings and Complaints
Industry Reviewer | Rating |
|---|---|
| AM Best Financial Rating | A+ |
| NAIC Complaint Index | 0.32 |
Progressive, well-known for its ad campaign featuring an enthusiastic spokeswoman named Flo, is a middle-of-the road company when it comes to customer service and claims processing. Progressive's reviews often criticize the company's representatives for their unresponsiveness. And J.D. Power, an industry expert, rated Progressive 21st among 24 auto insurance companies in its U.S. Auto Claims Satisfaction Study. Notable insurance companies that received a higher ranking include Geico, State Farm and Allstate.
However, Progressive's complaint rating of 0.32 from the National Association of Insurance Commissioners is significantly lower than the national median of 1.00, meaning that Progressive receives significantly fewer complaints than most insurance companies.
Progressive is in great financial health, meaning that policyholders shouldn't have reservations about Progressive's ability to pay out claims. A.M. Best Rating Services assigns letter grades to insurance companies based on their ability to meet their financial obligations. Progressive was assigned a letter grade of A+ by A.M. Best Rating Services, signifying superior financial health.
Progressive's home insurance underwriting partners
Progressive outsources its homeowners insurance policies to different underwriters, which we've tabulated below. We've also included the Complaint Index for each underwriter. The Complaint Index, maintained by the National Association of Insurance Commissioners, measures a company's complaints relative to its size. Insurers with sub-1.0 Complaint Indexes receive fewer complaints than typical for their size.
Progressive's underwriter (sorted A-Z) | NAIC Complaint Index (lower is better) |
|---|---|
| First American Property and Casualty Insurance Group | 3.06 |
| Foremost Insurance Group | 0.57 |
| Homesite Insurance Group | 0.54 |
| National General Insurance | 1.20 |
| Occidental Fire and Casualty Company of North Carolina | 0.37 |
| QBE Insurance Corporation | 1.38 |
Frequently Asked Questions
Does Progressive auto insurance have a good customer satisfaction rating?
Progessive has a below average customer satisfaction rating. According to industry expert J.D. Power, Progressive ranks 21st out of the 24 auto insurance companies analyzed in its U.S. Auto Claims Satisfaction Study.
Does Progressive offer renters insurance?
Yes, Progresive does offer renters insurance. We found that Progressive's rates for renters insurance are more expensive than its competitors.
How do I cancel Progressive auto insurance?
You can cancel Progressive auto insurance by calling (866) 416-2003. Progressive, like most insurers, does not allow customers to cancel their auto insurance online. If you are in the middle of your policy, you should get a refund for any future premiums you already paid for.
Methodology
To compare Progressive's auto insurance prices with its competitors, we collected sample rates for three drivers: an 18-year-old man, an 81-year old woman and a 42-year-old couple with a recent accident. For each driver, we compared rates from Progressive with three competitors: Allstate, Farmers and State Farm.
To analyze Progressive's motorcycle insurance rates, we determined national average rates from Progressive and three top competitors: Geico, Nationwide and Dairyland.
We compared Progressive's renters insurance rates at three levels of coverage: $15,000, $30,000 and $50,000 of personal property coverage. All rates are for a sample property located in Atlanta, Georgia.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.