Free Auto Insurance Comparison
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UPDATED: Apr 2, 2020
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Finding an insurance company can be tough. When you google car insurance, a plethora of options fill your computer screen. How do you know which one to choose? Which one is the cheapest? And if you have extenuating circumstances, such as a DUI or poor credit, it can make the shopping even harder.
Some companies offer different discounts and may be a better fit for your needs than others. That is why we are here to help. We are going to break down the good, bad, and expensive parts of car insurance.
We have all seen Progressive agent, Flo, on television ads for Progressive. We are going to really dig deep into Progressive car insurance. Where do they land on national rating statistics and how do their rates compare to others? Keep reading to find out!
We know there are a lot of other insurance companies out there, so if Progressive isn’t for you, enter your ZIP code here to get free quotes.
Progressive Auto Insurance Rates
So far, we have covered Progressive is growing and it’s a great place to work. If you need a quote, that doesn’t help you much. You want to see what Progressive rates are and how they rate to other national providers.
There are many different factors that go into getting a rate. Below you will find different tables showing you some of those different factors and how the rate could change.
This next section will break down their rates and see if Progressive is a good fit for you.
Progressive Auto Insurance Rates by State
Progressive is available in every U.S. state. This is fantastic, as it means you can keep Progressive as your insurer no matter where you move to in the U.S. However, make sure to consider the geographic factors that may change your rates, such as crime or natural disasters before you commit to an area.
Ready to see how Progressive’s rates look across the states? Find your state below and see how rates compare.
|State||Average by State||Progressive Annual Premium|
|District of Columbia||$4,439.24||$4,970.26|
|Idaho||$2,979.09||NA in State|
|Minnesota||$4,403.25||NA in State|
|West Virginia||$2,595.36||NA in State|
Just because you can keep Progressive as an insurer when you move doesn’t necessarily mean you should. Progressive can sometimes be more expensive than the state average, such as in Kansas. If Progressive’s rates go up hundreds or thousands of dollars after a move, you may want to look at other insurers.
Comparing the Top 10 Companies by Rates
We want to take a look at how Progressive compares to the other top companies. This way, you can compare rates if you move to a new state and your Progressive rate goes up or down.
|State||Average by State||Allstate||American Family||Farmers||Geico||Liberty Mutual||Nationwide||Progressive||State Farm||Travelers||USAA|
|Alabama||$3,566.96||$3,311.52||Data Not Available||$4,185.80||$2,866.60||$4,005.48||$2,662.66||$4,450.52||$4,798.15||$3,697.80||$2,124.09|
|Alaska||$3,421.51||$3,145.31||$4,153.07||Data Not Available||$2,879.96||$5,295.55||Data Not Available||$3,062.85||$2,228.12||Data Not Available||$2,454.21|
|Arizona||$3,770.97||$4,904.10||Data Not Available||$5,000.08||$2,264.71||Data Not Available||$3,496.08||$3,577.50||$4,756.25||$3,084.74||$3,084.29|
|Arkansas||$4,124.98||$5,150.03||Data Not Available||$4,257.87||$3,484.63||Data Not Available||$3,861.79||$5,312.09||$2,789.03||$5,973.33||$2,171.06|
|California||$3,688.93||$4,532.96||Data Not Available||$4,998.78||$2,885.65||$3,034.42||$4,653.19||$2,849.67||$4,202.28||$3,349.54||$2,693.87|
|Colorado||$3,876.39||$5,537.17||$3,733.02||$5,290.24||$3,091.69||$2,797.74||$3,739.47||$4,231.92||$3,270.77||Data Not Available||$3,338.87|
|Connecticut||$4,618.92||$5,831.60||Data Not Available||Data Not Available||$3,073.66||$7,282.87||$3,672.34||$4,920.35||$2,976.24||$6,004.29||$3,190.00|
|Delaware||$5,986.32||$6,316.06||Data Not Available||Data Not Available||$3,727.29||$18,360.02||$4,330.21||$4,181.83||$4,466.85||$4,182.36||$2,325.98|
|District of Columbia||$4,439.24||$6,468.92||Data Not Available||Data Not Available||$3,692.81||Data Not Available||$4,848.98||$4,970.26||$4,074.05||Data Not Available||$2,580.44|
|Florida||$4,680.46||$7,440.46||Data Not Available||Data Not Available||$3,783.63||$5,368.15||$4,339.60||$5,583.30||$3,397.67||Data Not Available||$2,850.41|
|Georgia||$4,966.83||$4,210.70||Data Not Available||Data Not Available||$2,977.20||$10,053.44||$6,484.90||$4,499.22||$3,384.88||Data Not Available||$3,157.46|
|Hawaii||$2,555.64||$2,173.49||Data Not Available||$4,763.82||$3,358.86||$3,189.55||$2,551.83||$2,177.93||$1,040.28||Data Not Available||$1,189.35|
|Idaho||$2,979.09||$4,088.76||$3,728.79||$3,168.28||$2,770.68||$2,301.51||$3,032.19||Data Not Available||$1,867.96||$3,226.29||$1,877.61|
|Indiana||$3,414.97||$3,978.81||$3,679.68||$3,437.55||$2,261.07||$5,781.35||Data Not Available||$3,898.00||$2,408.94||$3,393.75||$1,630.86|
|Kentucky||$5,195.40||$7,143.92||Data Not Available||Data Not Available||$4,633.59||$5,930.97||$5,503.23||$5,547.63||$3,354.32||$6,551.68||$2,897.89|
|Louisiana||$5,711.34||$5,998.79||Data Not Available||Data Not Available||$6,154.60||Data Not Available||Data Not Available||$7,471.10||$4,579.12||Data Not Available||$4,353.12|
|Maine||$2,953.28||$3,675.59||Data Not Available||$2,770.15||$2,823.05||$4,331.39||Data Not Available||$3,643.59||$2,198.68||$2,252.97||$1,930.79|
|Maryland||$4,582.70||$5,233.17||Data Not Available||Data Not Available||$3,832.63||$9,297.55||$2,915.69||$4,094.86||$3,960.87||Data Not Available||$2,744.14|
|Massachusetts||$2,678.85||$2,708.53||Data Not Available||Data Not Available||$1,510.17||$4,339.35||Data Not Available||$3,835.11||$1,361.86||$3,537.94||$1,458.99|
|Michigan||$10,498.64||$22,902.59||Data Not Available||$8,503.60||$6,430.11||$20,000.04||$6,327.38||$5,364.55||$12,565.52||$8,773.97||$3,620.00|
|Minnesota||$4,403.25||$4,532.01||$3,521.29||$3,137.45||$3,498.54||$13,563.61||$2,926.49||Data Not Available||$2,066.99||Data Not Available||$2,861.60|
|Mississippi||$3,664.57||$4,942.11||Data Not Available||Data Not Available||$4,087.21||$4,455.94||$2,756.53||$4,308.85||$2,980.48||$3,729.32||$2,056.13|
|Missouri||$3,328.93||$4,096.15||$3,286.90||$4,312.19||$2,885.33||$4,518.67||$2,265.35||$3,419.14||$2,692.91||Data Not Available||$2,525.78|
|Montana||$3,220.84||$4,672.10||Data Not Available||$3,907.55||$3,602.35||$1,326.11||$3,478.26||$4,330.76||$2,417.74||Data Not Available||$2,031.89|
|Nebraska||$3,283.68||$3,198.83||$2,215.13||$3,997.29||$3,837.49||$6,241.52||$2,603.94||$3,758.01||$2,438.71||Data Not Available||$2,330.78|
|New Hampshire||$3,151.77||$2,725.01||Data Not Available||Data Not Available||$1,615.02||$8,444.41||$2,491.10||$2,694.45||$2,185.46||Data Not Available||$1,906.96|
|New Jersey||$5,515.21||$5,713.58||Data Not Available||$7,617.00||$2,754.94||$6,766.62||Data Not Available||$3,972.72||$7,527.16||$4,254.49||Data Not Available|
|New Mexico||$3,463.64||$4,200.65||Data Not Available||$4,315.53||$4,458.30||Data Not Available||$3,514.38||$3,119.18||$2,340.66||Data Not Available||$2,296.77|
|New York||$4,289.88||$4,740.97||Data Not Available||Data Not Available||$2,428.24||$6,540.73||$4,012.93||$3,771.15||$4,484.58||$4,578.79||$3,761.69|
|North Carolina||$3,393.11||$7,190.43||Data Not Available||Data Not Available||$2,936.69||$2,182.71||$2,848.03||$2,382.61||$3,078.65||$3,132.66||Data Not Available|
|North Dakota||$4,165.84||$4,669.31||$3,812.40||$3,092.49||$2,668.24||$12,852.83||$2,560.35||$3,623.06||$2,560.53||Data Not Available||$2,006.80|
|Oklahoma||$4,142.33||$3,718.62||Data Not Available||$4,142.40||$3,437.34||$6,874.62||Data Not Available||$4,832.35||$2,816.80||Data Not Available||$3,174.15|
|Pennsylvania||$4,034.50||$3,984.12||Data Not Available||Data Not Available||$2,605.22||$6,055.20||$2,800.37||$4,451.00||$2,744.23||$7,842.47||$1,793.37|
|Rhode Island||$5,003.36||$4,959.45||Data Not Available||Data Not Available||$5,602.63||$6,184.12||$4,409.63||$5,231.09||$2,406.51||$6,909.45||$4,323.98|
|South Carolina||$3,781.14||$3,903.43||Data Not Available||$4,691.85||$3,178.01||Data Not Available||$3,625.49||$4,573.08||$3,071.34||Data Not Available||$3,424.77|
|South Dakota||$3,982.27||$4,723.72||$4,047.47||$3,768.80||$2,940.29||$7,515.99||$2,737.66||$3,752.81||$2,306.23||Data Not Available||Data Not Available|
|Tennessee||$3,660.89||$4,828.85||Data Not Available||$3,430.07||$3,283.42||$6,206.69||$3,424.96||$3,656.91||$2,639.30||$2,738.52||$2,739.28|
|Texas||$4,043.28||$5,485.44||$4,848.72||Data Not Available||$3,263.28||Data Not Available||$3,867.55||$4,664.69||$2,879.94||Data Not Available||$2,487.89|
|Utah||$3,611.89||$3,566.42||$3,698.77||$3,907.99||$2,965.57||$4,327.76||$2,986.57||$3,830.10||$4,645.83||Data Not Available||$2,491.10|
|Vermont||$3,234.13||$3,190.38||Data Not Available||Data Not Available||$2,195.71||$3,621.08||$2,128.21||$5,217.14||$4,382.84||Data Not Available||$1,903.55|
|Virginia||$2,357.87||$3,386.80||Data Not Available||Data Not Available||$2,061.53||Data Not Available||$2,073.00||$2,498.58||$2,268.95||Data Not Available||$1,858.38|
|Washington||$3,059.32||$3,540.52||$3,713.02||$2,962.00||$2,568.65||$3,994.73||$2,129.84||$3,209.52||$2,499.78||Data Not Available||$2,262.16|
|West Virginia||$2,595.36||$3,820.68||Data Not Available||Data Not Available||$2,120.80||$2,924.39||Data Not Available||Data Not Available||$2,126.32||Data Not Available||$1,984.62|
|Wisconsin||$3,606.06||$4,854.41||$1,513.27||$3,777.49||$3,926.20||$6,758.85||$5,224.99||$3,128.91||$2,387.53||Data Not Available||$2,975.74|
|Wyoming||$3,200.08||$4,373.93||Data Not Available||$3,069.35||$3,496.56||$1,989.36||$3,187.20||$4,401.17||$2,303.55||Data Not Available||$2,779.53|
As you can see from the above table, Progressive’s rates usually fall in the middle. It is neither the most expensive provider nor the least expensive provider.
Progressive’s Average Male vs. Female Auto Insurance Rates
A big factor in receiving a car insurance rate is also your gender.
|Demographic||Progressive Average Rate|
|Single 17-year-old female||$8,689.95|
|Single 17-year-old male||$9,625.49|
|Single 25-year-old female||$2,697.73|
|Single 25-year-old male||$2,758.66|
|Married 35-year-old female||$2,296.90|
|Married 35-year-old male||$2,175.27|
|Married 60-year-old female||$1,991.49|
|Married 60-year-old male||$2,048.63|
As you can see, male drivers are usually always going to have a higher rate. As well, a younger driver is less experienced and will always be viewed as a higher risk than an older driver.
Average Progressive Average Rates by Vehicle Make and Model
We have taken five common vehicles and quoted them out with 10 of the biggest insurance companies. Take a look if your car is on the list and which company rates the lowest.
|Vehicle||Allstate||American Family||Farmers||Geico||Liberty Mutual||Nationwide||Progressive||State Farm||Travelers||USAA|
|2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$4,429.74||$3,447.30||$4,093.50||$3,092.11||$5,830.16||$3,571.01||$3,914.05||$3,204.23||$4,023.47||$2,551.56|
|2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$4,753.69||$3,178.82||$4,405.21||$3,092.58||$5,869.32||$3,547.84||$4,429.56||$3,024.24||$4,420.37||$2,409.67|
|2015 Toyota RAV4: XLE||$4,324.99||$3,326.18||$3,728.22||$3,090.89||$5,825.33||$3,517.03||$3,647.22||$3,226.02||$4,383.78||$2,454.58|
|2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$5,491.12||$3,487.91||$4,390.19||$3,338.40||$5,988.85||$3,373.64||$3,962.58||$3,497.17||$4,412.42||$2,855.69|
|2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$5,380.28||$3,721.32||$4,779.51||$3,338.87||$6,682.63||$3,361.93||$4,528.90||$3,189.99||$4,661.22||$2,422.66|
|2018 Toyota RAV4: XLE||$4,947.90||$3,496.99||$3,769.00||$3,337.18||$6,244.44||$3,328.57||$3,730.78||$3,418.33||$4,708.19||$2,529.63|
Progressive charges the most for a 2018 Honda Civic Sedan and the least for a 2015 Toyota RAV4. The reasons for vehicle price differences are:
- Vehicle crash rating. If a vehicle stands up well in a crash, the driver and passengers are less likely to have serious injuries or be killed.
- Vehicle safety features. If a vehicle has features like lane departure warning or back-up cameras, a driver is less likely to crash.
- Vehicle repair parts. If a vehicle has expensive replacement parts, it will cost more to fix than a car with standard market parts.
When you look for a new car, make sure to keep these things in mind as you could lower your insurance rate.
Average Progressive Commute Rates
Some insurance carriers will rate higher for drivers with longer commutes.
|10 Miles Commute. 6,000 Annual Mileage.||25 Miles Commute. 12,000 Annual Mileage.|
As you can see from the above table, Progressive generally only charges an average of $11 more if drivers have a longer commute.
Average Progressive Coverage Level Rates
Most people think the more coverage you have, the more you are going to pay. While in most cases that may be true, in some cases it is worth the quote. It is easy to contact a company or your local agent and ask them to quote you with higher coverage. The results may sometimes surprise you.
The average price to upgrade from low to high coverage is only $613, which isn’t bad at all. Sometimes companies will charge well over $1,000 to upgrade from low to high coverage.
Average Progressive Credit History Rates
Credit history rates are a big factor in how your insurance premium is calculated. Credit history is typically known to affect bigger purchases like cars and homes, but it can also follow you with your insurance rates. Watch the video below to learn more about how credit score affects your car insurance rates.
If you have a poor credit history, a company will see you as a risk of not paying your insurance premiums.
Going from good to poor credit at Progressive will add about $1,100 to your car insurance costs. This may seem high, but this is an average number at most insurers.
Progressive Driving Record Rates
One of the most obvious reasons your insurance rate may change or be affected is your driving record. Of course, a clean record is always going to be your cheapest rate. Check out below what how your record could be affecting your rate.
|Clean record||With 1 DUI||With 1 speeding violation||With 1 at-fault accident|
Progressive charges more for a speeding ticket than for a DUI. Usually, most insurers charge the least for a speeding ticket. Every company is different, though, which is why it’s important to know which offense will cost you the most at different companies.
Progressive: Coverages and Discounts Offered
Next up, let’s take a look at the coverages and discounts available for Progressive insureds. This is an important topic to cover, as you want to make sure Progressive is completely covering your assets for the price you are paying. If not, you will face huge bills after an accident for gaps in coverage you didn’t even know you had.
So to make sure that Progressive is offering enough coverage to customers, keep reading. We will also go over bundling and discounts to show you how to save money at Progressive.
Progressive Coverages and Bundling Options
Progressive offer all of the following car insurance coverages:
- Bodily Injury Liability
- Classic Car Coverage
- Collision Coverage
- Commercial Car Coverage
- Comprehensive Coverage
- Custom Parts and Equipment Value
- Gap Coverage
- Medical Payments (MedPay)
- Property Damage Liability
- Personal Injury Protection (PIP)
- Rental Reimbursement
- Rideshare Coverage
- Roadside Assistance
- Umbrella Coverage
- Underinsured and Uninsured Motorist Coverage
Progressive offers all the coverage needed for a full policy: liability, collision, and comprehensive coverage. There are also plenty of add-on coverages that you can add to pad out your policy. So how can you bundle your coverages?
Well, if you have multiple cars you can put them one policy to earn a multi-car discount. However, a true bundling discount is earned when you combine a car insurance policy with a home insurance policy, life insurance policy, or a health insurance policy. In fact, bundling is often a topic of discussion in Progressive’s commercials, such as the one below.
Since Progressive offers a wide range of products to chose from, you can bundle any two or more products to receive a multi-policy discount. It also makes it easier to keep track of all your policies, as they will be at one provider and you can access them all together.
Progressive’s Car Insurance Discounts
Take a look at the table below to see the main discounts that Progressive offers its customers.
|Discount Name||Average Discount||Details|
|Multi-Policy||5%||If you have two or more policies with Progressive (for example: if you were to have an auto and home-owners policy with Progressive)|
|Snapshot Program||$130||Their Snapshot program that personalizes your rate based on your driving.|
|Safe Driver||31%||If you have no accidents/traffic violations in the past three years|
|Multi-Car||10%||If you have more than one vehicle listed on your policy|
|Homeowner||nearly 10%||If you own a home (even if it is not insured through Progressive's network)|
|Sign Online||nearly 8%||If you sign your documents online|
|Online Quote||7%||If you got your policy quote online (or if you start your quote online and a licensed Progressive representative finishes it for you over the phone|
|Paperless||Varies||If you opt to receive your documents via email (dependent on signing your documents online and is an addition to the sign online discount)|
|Continuous Insurance||Varies||If you switch to Progressive from another insurer, you won't lose any longevity benefits (discount value will depend on how long you've been consistently insured with no gaps or cancellations)|
|Teen Driver||Varies||If you're adding a teen driver to your policy|
|Good Student||Varies||If you have a student who maintains a "B" average or better (discount also applies to college students, students more than 100 miles from your residence, or is 22 years or younger)|
|Pay in Full||Varies||If you pay for your six month policy up front|
|Automatic Payment||Varies||If you set up automatic payments from a checking account to pay (you cannot combine the automatic payment and pay in full discounts)|
The amount saved can vary depending on your eligibility and the local Progressive’s discount amounts.
Along with the main discounts listed in the section above, here are some other discounts Progressive offers.
- Adaptive Cruise Control
- Adaptive Headlights
- Anti-lock Brakes
- Claim Free Discount
- Continuous Coverage
- Daytime Running Lights
- Defensive Driver
- Distant Student
- Driver’s Ed
- Driving Device/App
- Early Signing
- Electronic Stability Control
- Family Legacy
- Forward Collision Warning
- Full Payment
- Good Credit
- Lane Departure Warning
- Low Mileage
- Newer Vehicle
- Passive Restraint
- Safe Driver
- Stable Residence
- Switching Provider
- Vehicle Recovery
- VIN Etching
Most of these discounts are easy to get. For example, if you have safety features on your car like lane departure warning or forward collision warning, Progressive will automatically apply a discount. This is why insurers always ask about the model and make of your car.
How do I get a non-drinker discount with Progressive?
Do you abstain from alcohol? If you are a teetotaler, this can work in your favor. Not only will your doctor be happy, but your car insurer will be too.
Progressive offers a non-drinker discount, which isn’t common at most providers. People who don’t drink aren’t at risk of getting behind the wheel of a vehicle while impaired. This reduces the risk of getting into a crash and eliminates the risk of a DUI. However, you will usually need proof that you don’t drink when applying for a non-drinker insurance discount, such as a doctor’s note or filling out a survey.
To find out everything you need to do to get a non-drinker discount, ask your local Progressive agent or call Progressive customer service. For the most part, it should be simple to get a non-drinker discount.
In addition to Progressive’s coverages and discounts, there are also programs that can save you money.
- Car Buying Service — If you are shopping for a new or used car, Progressive partnered with TruCar to help you find the best deal.
- Usage-Based Insurance — Snapshot® is a program that can follow your driving habits. So, the safer driver you are the better your premium will be.
- Deductible Savings Program — Progressive also has a deductible savings program. For every policy period that you are claim-free, Progressive will subtract $50 from your deductible.
Make sure to take advantage of these programs. Participating can save you even more money.
Progressive: What Stands Out and What’s Missing
Before we move on, we want to recap what we’ve covered so far. Let’s take a look at what stands out about Progressive and what Progressive is missing.
- What’s stands out? Progressive has strong financial ratings, which tell us it will be a major contender for a while. It also offers a variety of coverages, discounts, and programs that provide customers with a full range of protection and savings.
- What’s missing? Progressive does have higher prices than about half of the top companies and has some lower customer ratings. It also lacks a military discount, which is a discount for active military personnel and veterans.
For the most part, there are more pros than cons at Progressive. The company provides a wide range of services for a decent price, and taking advantage of Progressive’s multiple discounts can help lower prices.
Progressive Financial Ratings
A great way to see how a company is doing is by looking at their ratings with different companies. Some rating companies look at financials while others may look more at customer satisfaction, both areas are of great importance.
|AM Best||A+ (Superior)|
|Better Business Bureau (Northbrook, IL)||A- (Very Good)|
|S&P||AA (Very Strong)|
Progressive’s AM Best
AM Best is a great indication of financial strength and how well a company is doing.
“Best’s Credit Ratings are an essential tool to help the financial industry and consumers assess an insurer’s financial strength, creditworthiness and ability to honor obligations to policyholders worldwide.”
AM Best gives Progressive a superior rating of A+. This rating means that Progressive is highly capable of meeting financial obligations (paying claims, paying employees, etc.).
Progressive’s Better Business Bureau
Better Business Bureau (BBB) lists its vision and mission plan on its website. The BBB describes its vision as “an ethical marketplace where buyers and sellers trust each other” and its mission as being “the leader in an advancing marketplace trust.”
To accomplish its mission, the BBB works to do all of the following:
- Set “standards for marketplace trust.”
- Encourage and support “best practices by engaging with and educating consumers and businesses.”
- Celebrate ” marketplace role models.”
- Call out and address “substandard marketplace behavior.”
- Create “a community of trustworthy businesses and charities.”
Watch the video below to learn more about what the BBB does.
The Better Business Bureau gives Progressive a strong rating of A-. This rating means that Progressive has scored well in categories like customer complaints, ethical practices, honoring commitments to BBB, and more.
Progressive’s Moody’s Ratings
Moody’s Rating is a reputable rating company in forty-two countries. Moody’s uses various tools and research to give companies the proper financial ratings. Moody’s gives Progressive a rating of A2 meaning very good on the Moody’s scale. Like AM Best’s rating, this means Progressive has the ability to pay back debts and has a stable financial future.
Progressive’s S&P Rating
S&P says it best on their website when describing their company.
“In 28 countries around the world and a history that dates back more than 150 years, S&P Global Ratings provides high-quality market intelligence in the form of credit ratings, research, and thought leadership.”
S&P gives Progressive an AA, meaning very good, rating. This rating means Progressive has decent creditworthiness and isn’t in as much danger as other companies of going under if the economic environment should take a turn for the worse.
Progressive’s NAIC Complaint Index
NAIC stands for National Association for Insurance Commissioners. The NAIC has a wealth of information located on their website. They have very beneficial information for companies, including education, and also information for consumers including complaint records.
|Private Passenger Policies||2016||2017||2018|
(better or worse than National Index)
|0.0011 (better)||0.0000 (better)||0.0012 (better)|
|National Complaint Index||1.47||1.53||1.51|
Progressive has a better rating than the national average in the department of complaints. This means that only a small number of customers submit complaints about Progressive.
Progressive’s JD Power
JD Power is one of the leading experts in ratings. The unique aspect of JD Power is they compile information from actual consumers. This gives you first-hand knowledge of what to expect.
Take a look at the results of JD Power’s 2019 study to see how Progressive ranks across the U.S.
|Region||Overall Score (out of 1,000 points)||JD Power Rating|
|California Region||821||About average|
|Central Region||823||About average|
|Florida Region||909||The rest|
|Mid-Atlantic Region||828||The rest|
|New England Region||825||About average|
|New York Region||815||The rest|
|North Central Region||828||About average|
|Northwest Region||797||The rest|
|Southeast Region||824||The rest|
|Southwest Region||807||The rest|
|Texas Region||816||The rest|
Progressive didn’t score very well. The highest rating it received was “about average,” with the rest of the scores clocking in at “the rest” (the lowest rating possible).
You may be wondering why Progressive has higher scores in some areas but still ranks low. The JD power rating is relative to what the other companies in an area scored. So even if Progressive has 15 more points in one area, it may still rank low compared to other companies’ scores.
Progressive’s Consumer Reports
“Consumer Reports is an independent nonprofit member organization that works side by side with consumers for truth, transparency, and fairness in the marketplace. We use our rigorous research, consumer insights, journalism, and policy expertise to inform purchase decisions, improve the products and services that businesses deliver, and drive regulatory and fair competitive practices.”
The company rates companies on a variety of factors. You can watch the video below to learn more about how Consumer Reports forms its ratings.
Below is a table listing various services given during the claims process and the rating Progressive was given on those services.
|Ease of reaching an agent||Very Good|
|Simplicity of the process||Very Good|
|Promptness of response - very good||Very Good|
|Damage amount||Very Good|
|Agent courtesy||Very Good|
|Freedom to select repair shop||Very Good|
|Being kept informed of claim status||Very Good|
Progressive scored better on Consumer Reports than at JD Power.
Progressive’s Company History
Since the beginning in 1937, Progressive wanted to make auto insurance easy and affordable for all drivers. Progressive was the first company to offer drive-in claims and easy installment payments for clients not able to pay full premium upfront.
Decades past and by 1987 Progressive hit the billion-dollar mark, writing over $1 billion in premiums. So what makes Progressive one of the biggest insurance companies out there?
To give you an idea of how Progressive came to be one of the top contenders in the marketplace, we are going to go over everything from Progressive’s market share to its future outlook.
What is market share? Market share, simply put, is just the amount a particular company holds in the market.
Progressive is growing its market share in all categories.
|Year||Market Share of Liability||Market Share of Physical Damage||Total Market Share|
An increase of less than one percent in total market share may seem small, but it is actually a great increase in market share.
Progressive’s Online Presence
In 1995, Progressive became one of the first major players in the insurance world to launch a website. While in the beginning stages the website was used more for relaying information to consumers, in 1996 it became interactive.
As listed on the Progressive website, below is a list of things you can do on the website:
- Policy Service and Management — “Policyholders can log in to update information, make payments, get vehicle recall information and more.”
- Online Claims Reporting — “Policyholders can log in to report auto accidents and glass claims in minutes. For glass claims, you can show us what type of glass damage occurred using our unique visual reporting tool. For claims other than glass, you may even have the option to schedule an appointment at a network repair shop when you report your claim.”
- Rate Ticker — “Our scrolling rate ticker displays actual Progressive Direct auto insurance rates side-by-side with those of other top auto insurers.”
- Agent Locator — “If you prefer to buy insurance through an agent, you can search for local independent insurance agents by entering your ZIP code or by selecting the type of insurance you’d like to buy.”
- Talk to Me — “Our online customer service feature uses Voice Over Internet Protocol (VoIP) technology to allow online shoppers who have questions about their Progressive Direct auto insurance quote to click on an icon and talk to a representative over the Internet or have a representative call them directly.”
- Instant Quotes — “Whether you want to purchase online or through an agent, you can receive online insurance quotes for your vehicles. Prices vary based on how our customers choose to buy.”
Progressive’s website makes it easy to manage numerous aspects of your policy.
Chances are most consumers have seen Progressive agents, Flo and Jaime. Agent Flo became the face of Progressive back in 2008. She has appeared in more than 100 commercials.
You can now find her counterpart, Agent Jaime, alongside her in Progressive commercials.
The focus of Progressive’s insurance commercials is advertising their discounts and services through humor. Having a mascot also helps Progressive’s commercials stick in the viewers’ minds, similar to Geico’s gecko mascot.
Progressive’s Community Service
Progressive definitely gives back to the community. They have several programs they have started.
Their Keys to Progress® program is used to help veterans with needs for cars. Since 2003, Progressive has given over 600 cars to veterans in need. The video below shows an overview of Progressive’s Keys to Progress® event.
Progressive also offers military-specific jobs for veterans returning home looking for employment and has a Progressive Insurance Foundation. The Progressive Insurance Foundation was established in 2001. Progressive says that “we give where our employees give.” Whenever an employee gives to a qualified charity, Progressive will match that gift.
Progressive also widely encourages employees to give not only money but time. In 2018 alone, Progressive people gave over 18,000 hours to volunteering.
Progressive’s Employee Facts
Progressive is one of the largest insurance companies out there. They employ over 10,000 employees and have revenue numbers over $10 billion. It is no surprise why 92 percent of employees say Progressive is a great place to work. With onsite coffee shops and outdoor fitness classes, wouldn’t you want to work there?
Progressive also has a younger workforce, as 47 percent of Progressive’s workforce are millennials (born between 1981 and 1997). The remaining half is made up of older workers: 39 percent of Progressive’s workers are Gen X (born between 1965 and 1980), and 13 percent are Baby Boomers (born between 1945 and 1964).
Now that you know who you’ll be working beside, let’s see how long most people stay at Progressive.
- Less than two years: 28 percent
- Two to five years: 26 percent
- Six to 10 years: 10 percent
- 11 to 15 years: 13 percent
- 16 to 20 years: 12 percent
- Over 20 years: 11 percent
Over half of Progressive’s employees stay less than five years. This is a fairly normal turnover, and Progressive also has employees that stay well over 20 years. Next, let’s take a look at how many Progressive employees agree with the following statements:
- 97 percent agree with the statement “When you join the company, you are made to feel welcome.”
- 94 percent agree with the statement “Management is honest and ethical in its business practices.”
- 93 percent agree with the statement “Our executives fully embody the best characteristics of our company.”
- 93 percent agree with the statement “I am given the resources and equipment to do my job.”
- 93 percent agree with the statement “I’m proud to tell others I work here.”
Not bad. Progressive’s employees seem to be happy with the workplace. However, we also want to look at what employees rate Progressive’s workplace as on Glassdoor.
91 percent of Progressive’s employees approve of the CEO, but only 69 percent of Progressive’s employees would recommend Progressive to a friend.
Common pros that employees list are a great work environment and benefits, while others list the work/life balance and call center jobs as cons. Of course, these reviews can be subjective, but most employees seem to think that Progressive has a good work environment.
Progressive’s Awards and Accolades
It is no surprise Progressive treats its consumers and employees well. Below is a list of awards Progressive has received over the years.
- #5 in Best Workplaces in Financial Services & Insurance™ 2019
- #31 in Best Workplaces in Texas™ 2019
- #76 in 2019 Fortune 100 Best Companies to Work For®
- #18 in Best Workplaces for Millennials™ 2019
- #10 in Best Workplaces in New York™ 2019
- #78 in Fortune 100 Best Companies to Work For® 2018
- #15 in Best Workplaces in Texas™ 2018
- #6 in Best Workplaces in Financial Services & Insurance™ 2018
- #10 in Best Workplaces for Millennials™ 2018
- #17 in Best Workplaces for Women™ 2018
- #26 in Best Workplaces for Parents™ 2018
- #10 in Best Workplaces for Diversity™ 2018
- #30 in Best Workplaces for Working Parents 2017
This is an impressive list of awards. Progressive has also won Glassdoor’s award for Top CEOs in 2019, 2018, 2017, and 2014.
How Does the Future Look for Progressive?
Progressive is looking to continue to grow and stay on top of the insurance world. In May 2019, Progressive broadened its horizon with the introduction of BusinessQuote Explorer. Small business owners can now easily obtain an online quote tailored to their insurance needs.
Progressive also has strong financial ratings, so it has the ability to continue to expand and grow. The company’s customer satisfaction ratings are also decent, though Progressive can grow in this area. Still, Progressive has a solid foundation to work off of, and the company should continue to be a major competitor in the insurance market.
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How to Cancel Your Policy with Progressive
Why do some people dislike Progressive car insurance? Reasons may vary for why you are canceling a Progressive policy.
Sometimes you need to change or cancel your insurance. Before you cancel, if you still own a vehicle, you always should have another policy in place before you cancel any policy. Otherwise, you could wind up with a coverage lapse, which is risky and will raise your rates.
To find out what else you should know about canceling your car insurance policy at Progressive, keep reading.
Progressive Cancellation Fee
Some companies have a pro-rated return while others may have a short-rate. Short-rate is when a company may keep a percentage of the remaining balance and only refund you a partial return.
Progressive has a pro-rated return, but if you are canceling in the middle of a billing cycle, you may have a $50-$65 cancellation fee. This varies from state to state. Your cancellation fee will be outlined in your policy.
Does Progressive offer a refund?
Yes! As mentioned earlier, Progressive will give you a pro-rated premium return in the event of a cancellation if you have an unearned premium.
So, for instance, if you have paid a six-month policy in full and on month three you decide to cancel, you will get the return of the remaining three months. Typically, it will take a few days to process and return the payment.
How to Cancel with Progressive
While Progressive may not want you to cancel, they do make it easy for a client to part ways from them. There are three ways you can cancel your policy.
You can mail a letter stating your intent to cancel. This letter must be signed and have the following information:
- Personal information like name, address, and phone number
- Your Progressive policy number
- Date when you want the cancellation to take effect
Mail it to The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, Ohio 44143.
You can also call Progressive at 888-416-2003 and cancel by phone. Make sure you have your policy number available and the date you want to cancel.
Lastly, you can go online and log in to your personal account and cancel.
Depending on the state laws where you live, you may need to send in a signed letter stating your request no matter what option you chose. Progressive may also ask you for your replacement policy information or why you are canceling.
When Can I Cancel with Progressive?
You can cancel your Progressive policy at any time. As mentioned earlier, if you cancel in the middle of your policy you could have a cancellation fee. The best time to cancel is at a renewal.
You can start shopping for your insurance rates once you get a renewal premium from your current carrier. You want to give yourself plenty of time to cancel and start your new insurance to make sure you do not have a gap in coverage.
How to Make a Claim with Progressive
Insurance is a necessity of life. It is an expense we hope we never have to use. Unfortunately, there are times accidents happen and we need to file a claim. That is the time you really want your insurance to take care of you and make the process easy.
You want your insurance company to pay out for your loss and get you back on the road quickly. Keep reading to learn more about claims at Progressive.
Progressive’s Loss Ratio
Loss ratio is a common term in the insurance world, but probably not very commonly used in the consumer’s world. The loss ratio is the ratio between premiums and paid claims. For instance, if a company had $100,000 in premium and paid out $50,000 in claims, its loss ratio would be 50 percent.
You want to be with a company that pays out for claims, but not too much. If a company has a loss ratio of 100 percent, the company is not making any money and could be in financial danger. If the loss ratio is very low, they could have a record of not paying out for claims filed.
|Private Passenger Auto||2015||2016||2017|
Luckily, Progressive’s loss ratios look good. Progressive is paying a good amount of claims without risking bankruptcy, which is good for everyone involved.
Ease of Making a Claim with Progressive
Progressive makes it extremely easy to file a claim. The below instructions can be found on the Progressive website:
- As soon as possible, report your claim to Progressive—simply login or call 1-800-776-4737. You will be asked initial questions and begin resolving your claim immediately.
- A claims representative will contact you—generally by the end of the business day—to answer your questions and schedule an inspection of your vehicle. Be sure to discuss any questions you have about deductibles, what’s covered or the repairs with your claims rep at this time.
- Your vehicle will be inspected for damages.
- Towing will be arranged if needed. You can bring your car to a repair shop in the network or if you prefer to use your own repair shop, you can do that, too. With either option, Progressive will schedule your appointment when you report your claim.
- If you need a rental car, your claims representative can make arrangements for one. Your rental may be covered depending on your policy coverages and the circumstances of your claim.
- Progressive will periodically check the status of the repair and address any further issues, such as additional damage, payments for additional damage, or changes to the expected completion date, while your vehicle is in the shop.
- When you use one of the network repair shops, Progressive will guarantee your repairs for as long as you own or lease your car.
You can also track your claim process and status easily online. In addition, if you have Progressive’s mobile app, you can file your claim and track it through the app. When you file a claim, make sure that you have given as much information about the accident as possible. You will need all of the following information:
- Date/time/description of incident
- Your insurance policy number
- Names and contact information of all involved
- Name and policy number of the other driver
- Any photos of the damage
How to Get a Quote Online with Progressive
So you like Progressive and want to see their rates? The best way to make sure you are getting an accurate picture of what Progressive will charge you is to get a personalized quote before buying. Stick with us to learn how to get a Progressive quote online.
Step 1: Select a Product
First, you need to choose which product you are needing the quote. In this case, you will select the option for an auto insurance quote.
Step 2: Enter Personal Information
Once you chose your product, you just have to enter some personal information. Of course, Progressive will not only need personal information about you, but they will also need the information to run reports for your driving record. As stated earlier, rates are strongly determined by driving records.
Step 3: Enter Vehicle Information
Once you have entered information about yourself, you will then need to enter information about which vehicles you will are wanting to insure. This is where Progressive will check safety ratings of your vehicle and determine car discounts.
Step 4: Saving Your Quote
You even have the option to save your quote and retrieve it at a later date. This is useful if you are on the fence about Progressive and want to compare the quote later to other insurers’ rates.
Now imagine doing that for several companies just to compare rates. Hard right? Doesn’t have to be. Enter your zip code on our page and immediately compare auto insurance rates from multiple companies.
Online Design and App Performance
As you can see above, Progressive has a great online quoting platform. The rest of their website isn’t much different, The website is easy to browse and find necessary information for common questions. Progressive has plenty of tabs at the top of the page for visitors to search for the topic they want to learn more about. There is also a FAQ page on progressive that can help answer visitors’ questions.
The only downside to the website design is that Progressive’s search bar can be a little hard to find. You will have to scroll down to the bottom of Progressive’s website to find the search bar. This is an unusual placement, as more insurers, and websites in general, place the search bar on the top right corner of a page.
The Progressive app is also very easy to use. They allow everything to be at your fingertips, whether it’s an ID card or filing a claim. It makes traveling a lot easier knowing your needs can be taken care of at your fingertips.
You can do all of the following on the Progressive app:
- View policy details (coverages, ID cards, documents, etc.)
- File a claim/check claim progress
- Pay bills/view past bills
- Check Snapshot®
- Get a new quote
- Make a policy change
- Request roadside assistance
However, we want to make sure that app doesn’t just look good on paper. To make sure that Progressive’s app is functioning well, let’s take a look at its rating on Apple.
Progressive’s app currently has 3.4 stars out of five (based on over 2,000 reviews).
Customers’ main complaints are about bugs with the app, such as trouble signing in with passwords. Usually, bugs like these are fixed with regular updates to the app and updated software on personal devices.
Before we leave this section, we want to take a look at Progressive’s Snapshot® app. The video below explains how the app works to save you money.
Unfortunately, the Snapshot app has a poor rating of 1.9 out of 5 stars on Apple. However, this rating is based on less than 1,000 reviews. In addition, most driving discount apps rank poorly. Technology is simply not advanced enough to accurately record data.
For example, drivers may have to brake hard because another driver swerved in front of them, not because they weren’t paying attention. However, incidents like this can lower a driver’s score on the app. Just make sure that whatever driving app you get in the future doesn’t penalize you for a poor driving score. Losing a discount is one thing, but being charged more after using the app is not something you want.
Pros and Cons
Every company is going to have pros and cons. We have gathered some information to give you a list of what some say the pros and cons of Progressive are.
|24/7/365 Support||High rates for poor driving history|
|Numerous discounts to help drivers offset cost of insurance||High rates for poor credit history|
|Comparable rates despite commute distance in most states||Accident forgiveness program is a separate cost|
|Customer Satisfaction ratings higher than other insurers||Rates higher than state average in several states|
|Loss ratio is stable||Mobile app ratings spotty based on customer experience|
|One of the only insurers who offers pet protection||Financial strength ratings not as high as other insurers|
|"Name Your Price" option to cater your budget to the policy you can actually afford||Not as many discounts as other competitors|
|Snapshot program to personalize your rate your YOUR driving||Supplemental Coverage options harder to find|
|Reputation of helping high-risk drivers||Teen driver rates higher than other insurers|
It’s up to you to decide if the pros or cons are more important. Everyone has individual needs, so a company that works for someone else may not be the best fit for you.
Progressive is a decent choice of provider. There is a reason Progressive is one of the top 10 providers in the U.S. It is financially stable, has decent customer reviews, and is growing its market share.
While its rates may be a little higher than other companies’ rates, Progressive does offer a full range of coverages and add-ons. In addition, Progressive’s high number of discounts and money-saving programs can help you save on car insurance. If you aren’t sure if discounts will save you enough on Progressive’s rates, the best thing you can do is get a personalized quote.
Do you still have questions regarding insurance with Progressive? Below are some commonly asked questions about Progressive insurance.
Why are rates different when going through a local agent versus buying direct?
Buying direct versus buying through a local independent agent can cost different rates. An independent agent can cost more due to the local agent having commission fees associated with getting your quote.
The benefit of using an agent is they can shop your insurance with other companies if you ever become dissatisfied with your coverage or company.
What is Snapshot®?
The Snapshot tool with Progressive is a device or app on your mobile phone to monitor your driving. The Snapshot® feature not only monitors how you drive but how long you travel daily. It can also detect hard breaking. A log is kept and you can look to see how you are driving.
What is the Name Your Price tool?
The Name Your Price tool is a great way to get insurance within a selected amount without going back and changing coverages. So, for instance, if you are wanting a quote to only cost $650 a year, you can plug that information in and Progressive Name Your Price tool with let you know what coverages you can get within that price amount.
What is Progressive’s accident forgiveness?
With Progressive’s small accident forgiveness, the company won’t raise your rates for your first claim. However, the claim amount has to be less than $500. To qualify for large accident forgiveness, you must meet the following requirements:
- Zero accidents within the last three years
- A customer at Progressive for at least five years
If you meet these requirements, your rates won’t be raised. This is a huge money saver, as you could be paying increased rates for years after an at-fault accident.
What happens if I miss a car insurance payment?
Most companies will give you two weeks to make up the missed payment. If you don’t, the company will cancel your insurance policy. This leaves you vulnerable if you get into an accident.
Sometimes people will not pay an insurer as a way of canceling. This is never a good idea. You can be held liable for the missed payments, so make sure to always officially cancel instead of ghosting your car insurance company.
Shopping for insurance is hard, we get it. You are worried about how much coverage you should get and then you have to find a good company that will work for you and your needs.
We hope this helped you see if Progressive auto insurance would be a good fit for you. Don’t forget you can always put your ZIP code in here and use our free comparison tool to get a no-obligation quote.