Progressive Auto Insurance Review for 2026 (Insider Report on Rates & Discounts)
Our Progressive auto insurance review found rates starting at $20 per month for minimum coverage. Safe drivers can save $328 per year with its usage-based program, Snapshot. Progressive car insurance plans are cheaper than most providers, and it gets solid ratings for financial strength from AM Best.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Head of Content
Meggan McCain, Head of Content, has been a professional writer and editor for over a decade. She leads the in-house content team at Quote.com. With three years dedicated to the insurance industry, Meggan combines her editorial expertise and passion for writing to help readers better understand complex insurance topics. As a content team manager, Meggan sets the tone for excellence by guiding c...
Meggan McCain
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated October 2026
Progressive is a good choice for drivers who want affordable same-day auto insurance coverage with usage-based options.
- Progressive car insurance rates average $850 a year with a clean record
- While it earns high ratings, Progressive struggles with customer loyalty
- Progressive offers many discounts, including the UBI program Snapshot
With its long list of discounts, it’s easy to find cheap Progressive rates. Safe drivers can save 30% with the Snapshot usage-based program, and drivers insuring more than one car save 12% on annual premiums.
Progressive’s strong set of digital tools also makes it easy to manage your auto insurance policy on your phone.
Progressive Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.4 |
| Business Reviews | 4.0 |
| Claim Processing | 3.5 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.2 |
| Customer Satisfaction | 4.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.3 |
| Plan Personalization | 4.5 |
| Policy Options | 5.0 |
| Savings Potential | 4.5 |
However, some customers complain about Progressive customer service and claims handling, and it struggles to retain policyholders after steep rate increases at renewal.
Explore rates and coverage options in our Progressive auto insurance review. Then, enter your ZIP code into our free quote tool to see how companies near you compare.
Progressive Car Insurance Rates Breakdown
Progressive’s average annual rates for an adult with a clean driving record are cheaper in many states when compared to the U.S. average, which is around $70 a month for minimum coverage.
If you live in Nevada or South Dakota, your Progressive insurance quote could be as low as $20 a month, which is half the cost of Progressive car insurance in Massachusetts at $54 monthly.
Several factors affect car insurance rates, and insurance companies look at your location, age, gender, driving history, and your car’s make and model to set rates. Your claims history also impacts what you’ll pay for Progressive car insurance.
Progressive reviews show complaints about higher rates for senior drivers and teens, but it offers affordable rates for drivers with a DUI.
How much is Progressive car insurance? The only way to see what a Progressive auto quote might look like for you is to request one. One option is to visit the company website to generate a free Progressive car insurance quote.
This Progressive car insurance review shows average prices across different policies, but a personal online quote provides a more accurate price. Use our free quote-generating tool to see premiums from multiple companies at once.
How Your Coverage Choices Impact Progressive Premiums
How much insurance you need affects your Progressive auto quote. The cheapest rates you can find meet state minimum auto insurance requirements.
Minimum coverage is a good option for people on a tight budget with older cars. You can buy full coverage to protect your vehicle with collision and comprehensive coverage, but you’ll see much higher rates.
Progressive vs. Competitors: Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $71 | $166 |
 | $78 | $175 |
 | $69 | $157 |
 | $74 | $172 |
 | $55 | $126 |
 | $82 | $186 |
 | $63 | $151 |
 | $59 | $133 |
 | $70 | $160 |
 | $49 | $112 |
Full coverage is usually required when you have a car lease or loan, so shop around to find the most affordable option. Progressive doesn’t offer the lowest prices, but rates are competitive at $166 a month.
It’s cheaper than Farmers and Allstate, but Geico, State Farm, and USAA cost $33-$54 less per month than Progressive for the same level of coverage.
What Teens Pay for Insurance With Progressive
Age is one of the most significant factors affecting Progressive car insurance rates because young drivers are more likely to engage in risky behaviors, like speeding. Get More Details: Reasons Why Young Driver Car Insurance Costs More
Progressive doesn’t usually offer the best auto insurance for teens, but it’s not the most expensive choice, either.
Progressive vs. Competitors: Auto Insurance Monthly Rates for Teens
| Company | Age: 16 Male | Age: 16 Female | Age: 18 Male | Age: 18 Female |
|---|---|---|---|---|
| $221 | $208 | $158 | $147 |
| $241 | $227 | $172 | $161 |
| $218 | $201 | $148 | $142 |
 | $150 | $134 | $128 | $114 |
| $229 | $217 | $165 | $153 |
| $174 | $160 | $119 | $113 |
| $257 | $242 | $183 | $171 |
| $203 | $188 | $139 | $133 |
 | $184 | $171 | $128 | $121 |
| $212 | $202 | $153 | $143 |
Teen insurance can be expensive, but your rates won’t stay high forever. As long as you keep your driving record clean, your rates will significantly reduce by the age of 25.
Even at 18, rates start to drop. Progressive cuts teen rates by around $60 a month after two years of safe driving.
Progressive Drivers Insurance Prices for Seniors
Progressive is one of our picks for the best auto insurance for seniors because of its low rates and easy-to-use online tools.
Older drivers can use the Name Your Price tool to build a policy based on their budget and buy only the coverage they need.
Progressive vs. Competitors: Auto Insurance Monthly Rates for Seniors
| Company | Age: 55 Male | Age: 55 Female | Age: 65 Male | Age: 65 Female |
|---|---|---|---|---|
| $66 | $64 | $58 | $57 |
| $72 | $70 | $65 | $64 |
| $64 | $62 | $56 | $55 |
| $49 | $48 | $44 | $43 |
| $68 | $66 | $60 | $59 |
| $76 | $74 | $67 | $66 |
| $60 | $58 | $52 | $50 |
| $54 | $53 | $48 | $47 |
| $65 | $63 | $57 | $56 |
| $45 | $44 | $40 | $39 |
Rates for retired drivers start at $57 a month, which is comparable to Farmers and Travelers but still pricier than State Farm. Check out our online marketplace to see how prices compare in your area.
Seniors can lower their insurance bills by using Progressive’s Snapshot program, which offers discounts for low mileage and safe driving habits.
How Driving History Affects Progressive Insurance Costs
Accidents and reckless driving behavior will raise your premiums. A driver with a DUI can pay up to three times as much for coverage as a person with a clean record.
One or more of these traffic violations could make you a high-risk driver, meaning you’ll pay higher rates until your driving record improves. Learn More: High-Risk Auto Insurance
Fortunately, Progressive is an affordable option for drivers with a less-than-perfect driving record.
Progressive offers cheap auto insurance after a DUI, and drivers with speeding tickets or at-fault accidents also find low rates.
Many drivers thinking of switching insurers after a violation want to know: “Does Progressive Insurance raise rates after six months?” Your rates could go up if you get another speeding ticket or into an accident.
A common complaint we found in our Progressive Insurance review is that the company often raises rates at renewal, even without new violations. Compare quotes online before you switch to see which insurer offers the best high-risk premiums.
Progressive Rates for Drivers With Poor Credit
Many drivers don’t realize how credit scores affect auto insurance rates. Car insurance will cost more with a low credit score.
Progressive runs a little higher for drivers with lower credit scores at $155 a month for minimum coverage, which is over $50 a month more than the cheapest company.
Progressive vs. Competitors: Auto Insurance Monthly Rates by Credit
| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $71 | $78 | $98 | $155 |
| $78 | $85 | $107 | $169 |
| $69 | $80 | $98 | $131 |
| $56 | $65 | $79 | $103 |
| $74 | $87 | $106 | $141 |
| $55 | $60 | $76 | $120 |
| $82 | $96 | $118 | $157 |
| $63 | $73 | $90 | $117 |
| $59 | $64 | $81 | $128 |
| $70 | $82 | $101 | $133 |
The good news is that other factors might make your overall rate more affordable, like your age and the kind of car you drive. You can also lower your rates by using the Progressive Name Your Price tool to stay on budget.
Some states don’t allow insurance companies to factor credit checks, but most do. Find local rates to see how credit affects premiums in your state.
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Top Ways to Save on Progressive Auto Insurance
Progressive offers plenty of discounts to help you save. The best Progressive car insurance discounts apply automatically when you qualify, including 7% multi-policy savings and up to 8% off for loyal customers with continuous coverage.
Others, like the Progressive good student discount or student-away-at-school discount, require that you submit proof.
Progressive Auto Insurance Discounts
| Discount | Savings | Description |
|---|---|---|
| Automatic Payments | 2% | Set up automatic online payments |
| Continuous Coverage | 8% | Maintain coverage for savings |
| Good Student | 5% | Save with a 3.0 GPA |
| Homeowner | 10% | Discount for owning a home |
| Multi-Policy Bundle | 7% | Bundle auto with home or renters |
| Multi-Vehicle | 12% | Save by insuring more than one car |
| Online Quote | 7% | Discount for getting a quote online |
| Paperless | 4% | Receive documents by email |
| Paid-in-Full | 3% | Pay annual premium in full |
| Sign Online | 10% | Sign your policy documents online |
| Student Away From Home | 5% | For students who live far from home |
| Teen Driver | Varies | Discount for adding a teen driver |
| Usage Based | 30% | Use Snapshot UBI to track driving habits |
Key discounts missing from this list are military discounts and savings for safe and claim-free drivers.
Progressive doesn’t offer discounts to military members or federal employees, but it does have different savings programs for safe drivers with a clean history:
- Deductible Savings Bank: Policyholders receive $50 off their deductible every six months they go without filing a claim.
- Large Accident Forgiveness: Rates won’t increase after the first accident for drivers without claims or violations for at least five years.
- Small Accident Forgiveness: Automatically receive small accident forgiveness as long as you’re claim-free at the start of the policy.
Good drivers get the best deals, but high-risk drivers shouldn’t dismiss Progressive just because they may not qualify for every discount.
There’s still Snapshot usage-based insurance (UBI), which tracks real-time driving so you can lower your rates as you improve your driving record.
Progressive Usage-Based Insurance Review
Getting cheap usage-based insurance is a great way to earn additional savings. Progressive Snapshot calculates a driving score and individual discounts based on your habits.
It compiles information on things like speeding, hard braking, the time of day you drive, and how many miles you put on your car. The average driver saves around $328 per year.
Top Usage-Based Auto Insurance (UBI) Programs
| Company | Program Name | Savings | System |
|---|---|---|---|
| Drivewise® | 40% | Mobile App |
| DriveMyWay | 35% | Mobile App |
| Signal® | 30% | Mobile App |
| DriveEasy | 25% | Mobile App |
| RightTrack® | 30% | Plug-in Device |
| SmartRide® | 40% | App or Device |
| Snapshot | 30% | Mobile App |
| Drive Safe & Save™ | 30% | App or Device |
| IntelliDrive® | 30% | Mobile App |
| SafePilot | 30% | Mobile App |
Although you can find UBI at most major insurance companies, Progressive is as competitive as State Farm and USAA, and it offers a bigger potential discount than Geico.
Snapshot can raise rates for bad driving, so seriously consider whether UBI is right for you before you sign up. Check out our guide for pros and cons: Progressive Snapshot Review
UBI plan availability also varies by state. Due to legal restrictions, Snapshot isn’t available with Progressive auto insurance in California, and other states limit discount savings and which habits can be tracked.
Review offers from local insurers to compare policy options and learn what’s available in your state.
Policy Coverage Options at Progressive
Progressive automobile insurance offers everything you need for a full coverage policy and all the basics for a state minimum plan.
Uniquely, Progressive’s collision auto insurance covers up to $1K in vet bills if your pet is injured in the auto accident.
- Liability Insurance: Pays for damage you cause to people or property in an accident, but doesn’t cover your vehicle. Shop Now: Cheapest Liability Auto Insurance
- Comprehensive Insurance: Progressive comprehensive car insurance covers theft, vandalism, animal contact, fire, and weather damage.
- Collision Insurance: Pays for your vehicle repairs after an accident, even if you’re at fault.
- Uninsured/Underinsured Motorist: Uninsured/underinsured motorist coverage protects you from drivers with inadequate or no insurance.
- Personal Injury Protection (PIP)/Medical Payments: Depending on your state laws, PIP insurance or Medical Payments can cover medical bills.
Drivers receive digital proof of policy within 24 hours if they buy auto insurance online, but the type and amount of coverage you’ll need depends on your state laws and any loan or lease requirements.
You may want to carry additional coverage or higher policy limits if you own a new or luxury car.
Older, less valuable cars that you own outright probably only need minimum coverage, but you should still carry PIP or MedPay to cover your and your passengers' medical bills if you're in an accident.
Heidi Mertlich Licensed Insurance Agent
Existing customers can use their Progressive auto insurance login to check their current policy online. You can add or remove coverage and adjust levels directly from the app, and Progressive will update your policy immediately.
Keep in mind that your insurance premium is directly tied to how much coverage you want. The more coverage you buy, the higher your rates will be.
List of Progressive Auto Insurance Add-Ons
Drivers can add plenty of optional coverages to their policies. For instance, if you install a new stereo or navigation system, ask for custom parts and equipment coverage when you buy car insurance from Progressive. See how it compares in our review: Best Auto Insurance for Custom Cars
Or choose the Progressive Vehicle Protection Plan, which covers the engine, transmission, AC/heat, and electrical systems, as well as key fobs and minor cosmetic damage. You can also add:
- Gap Insurance: Helps cover the difference between your car’s value and what you still owe if it’s totaled, generally up to 25% of its actual cash value (also called loan/lease payoff).
- Mechanical Breakdown Insurance: Works like an extended warranty to cover engine and transmission issues not covered by standard policies.
- Roadside Assistance: Progressive offers help when you’re stranded with a flat tire, a dead battery, or you need a tow.
- Rental Car Reimbursement: If your car is in the shop after an accident, Progressive will cover your rental car up to $70 a day.
- Rideshare Insurance: Drivers who use personal vehicles for rideshare or delivery companies can add this to their policies for better protection while working.
While the add-ons listed are generally available everywhere, confirm before you buy. Some states cap daily rental reimbursement limits, and Progressive rideshare coverage may work differently in states like New York and New Jersey.
You’ll need to check your local coverage options to see which add-ons are available in your area.
Other Types of Progressive Insurance Products
Shoppers can choose from personal finance products, including credit cards and home equity loans, or buy event, life, travel, or umbrella insurance through Progressive.
It’s best known for its car insurance, including business auto policies, and Progressive’s popular line of vehicle insurance includes policies for:
- ATV/UTV, snowmobiles, and motorcycles
- Boat and other personal watercrafts
- Classic and collector cars
- Golf carts
- RV/Trailer coverage
Other property insurance available through Progressive is home coverage, including condo, manufactured home, and renters policies.
Progressive auto and home insurance reviews explain that you can bundle your auto insurance with Progressive property insurance for a discount, but not its other policies.
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Progressive Insurance Review & Customer Service
The Progressive Corporation earns A+ ratings from AM Best and the Better Business Bureau. According to Consumer Reports and the National Association of Insurance Commissioners (NAIC), it has the average number of complaints you’d expect for a national insurer.
This doesn’t mean that the customer experience is great, but it is better than at other large providers. See Who Made Our List: Auto Insurance Companies With the Best Customer Service
Progressive Insurance Business Ratings & Consumer Reviews
| Agency |  |
|---|---|
 | Score: A+ Superior Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 72/100 Avg. Customer Feedback |
 | Score: 673 / 1,000 Below Avg. Satisfaction |
 | Score: 1.11 Avg. Complaints |
Many positive Progressive auto insurance reviews focus on how easy the mobile app is to use for policy changes.
Users rarely need to call the Progressive phone number. A simple Progressive insurance login gives you access to coverages, roadside assistance, billing preferences, and more, with policy updates applying within 24 hours.
Overall, Progressive’s strong digital tools for on-the-go policy management make it a popular choice.
It’s the second-largest insurance company in the country after State Farm, with 14.4% of the market, overtaking Geico and AAA Insurance even though its average rates are slightly higher.
Largest Auto Insurance Providers: Market Share & Monthly Rates
| Company | Market Share | Written Premiums | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 17.2% | $46.7B | $59 | $133 |
| 14.4% | $38.9B | $71 | $166 |
| 13.8% | $38.1B | $55 | $126 |
 | 10.9% | $29.6B | $65 | $147 |
| 6.2% | $16.4B | $49 | $112 |
| 5.4% | $13.7B | $82 | $186 |
| 4.7% | $12.6B | $74 | $172 |
| 2.3% | $5.8B | $70 | $160 |
| 1.9% | $5.8B | $69 | $157 |
| 1.7% | $5.5B | $63 | $151 |
 | 1.4% | $3.6B | $84 | $192 |
| 1.3% | $3.6B | $56 | $128 |
 | 1.2% | $3.5B | $52 | $120 |
 | 1.1% | $2.6B | $77 | $175 |
 | 0.7% | $2.1B | $64 | $151 |
 | 0.6% | $1.4B | $69 | $162 |
 | 0.5% | $1.3B | $66 | $153 |
While Progressive auto insurance ratings are strong, the digital-first approach has its downsides. J.D. Power consistently gives Progressive below-average claims satisfaction ratings, and customers say it relies too much on automated filing.
The “I hate Progressive insurance” posts we found came from customers who recently filed a claim and reported delayed responses in the app. Use our guide to avoid common mistakes: How long after a car accident can you file a claim?
What to Expect When Filing a Progressive Claim Online
Progressive encourages customers to file car insurance claims online through its website or mobile app. If you prefer to speak with an agent, call the Progressive Insurance phone number at 1-800-776-4737 during regular business hours.
Online claims handling is available 24/7. Drivers can upload photos of the damage, police reports, and other documents, and schedule repairs directly on the app. After you file, use your Progressive car insurance login to check repair updates and message your assigned adjuster.
This digital convenience means faster filing, but it doesn’t necessarily speed up your settlement. Find Out More: What is a fair settlement for an auto accident?
For example, Progressive offers photo-based estimates and repair shop options, but additional damage may require a supplemental estimate. Drivers should compare the app’s repair status with updates from the shop and contact their adjuster if anything doesn’t match.
If you filed a Progressive car insurance claim online, keep an eye on your app for requests from the adjuster. Delayed responses are a big reason online claims can take longer to process.
Eric Stauffer Licensed Insurance Agent
While most customers agree the mobile app is great for policy management, once a claim is filed, some report that it’s difficult to reach a human when trying to follow up with their adjuster through the app, and even through the Progressive auto insurance phone number or progressiveagent.com.
Since it relies mostly on a digital experience, you may have to search online for “Progressive office near me” or “Progressive insurance near me” to find someone local to work with during a claim. Find local insurance options now with our free tool.
Weigh the Pros and Cons Before Buying Progressive
You’ll find ample discount opportunities and competitive rates at Progressive. Monthly minimum coverage starts as low as $20 in some states. Progressive also has cheap high-risk auto insurance for drivers with DUIs or accidents.
It’s a good choice for drivers with less-than-perfect driving records or who need coverage quickly and want to manage their policy entirely online.
- Digital Insurance Experience: Its mobile app gets 4.6/5 and 4.8/5 from Google and Apple users, and online buyers get same-day coverage.
- Excellent Add-Ons: It includes options for rideshare drivers, custom cars, mechanical breakdowns, and up to $70 a day in rental reimbursement.
- Long List of Discounts: Progressive makes it easy to save with its generous discounts for multiple vehicles and young drivers.
Progressive auto insurance reviews also praise its online tools, such as the Name Your Price tool that lets shoppers pick and choose coverage levels and add-ons that fit their budget.
On the other hand, the company’s drawbacks contribute to its low customer loyalty. Find a better insurer in our guide: 10 Best Auto Insurance Companies for Paying Claims
- Poor Claims Handling: Because it relies heavily on the digital experience, it misses the mark when customers need a human being to help with the claims process.
- Unexpected Rate Increases: A common complaint is that Progressive rates seem to increase excessively without cause at the first renewal period.
Many customers report unexpected premium increases between 20% and 60% after only six months, even without violations or claims.
Users in this Reddit post point out that many rate increases depend on state trends, including uninsured motorist claims and car thefts, and have less to do with individual driving history.
Progressive might struggle with some customer complaints, but there’s no denying it offers a great selection of insurance. If you’re looking for cheap car insurance you can manage online, Progressive might be the right choice.
Compare personalized rates with our free quote comparison tool to find auto insurance companies near you.
Frequently Asked Questions
Is Progressive auto insurance good?
Progressive is considered a good insurance company, particularly if you want convenient digital tools. It also offers low rates to drivers with DUIs.
How much is Progressive car insurance per month?
Minimum coverage costs around $71 a month on average for older drivers with a clean record. Enter your ZIP code to see how much auto insurance costs near you.
Is Progressive Insurance good at paying claims?
Progressive’s financial strength is good for paying claims, but it has one of the lowest customer satisfaction ratings when it comes to delayed payments and customer service when filing. Shop with our guide to find a better provider: Best Auto Insurance Companies for Paying Claims
Is Geico better than Progressive auto insurance?
Geico and Progressive car insurance are pretty evenly matched in policy options, digital tools, and customer service quality. Geico is your best bet if the cheapest rate is your priority, while Progressive is better for discount programs and high-risk coverage.
How does Progressive compare to other companies?
Progressive is an average company compared to its competitors. Its rates are cheaper than the national average in some states, and high-risk drivers can get affordable coverage. However, lesser-known companies often have better rates, like Auto-Owners vs. Progressive. Start comparing quotes in our guide: Auto-Owners Car Insurance Review
Who should buy Progressive insurance?
Progressive is a solid choice for most drivers but is especially suited for high-risk drivers with a DUI on their record. If you’re wondering how to sign up for Progressive Insurance, a free quote is a good place to start.
Is Progressive good car insurance for seniors?
Progressive offers low rates for retired drivers starting at $57 per month, but other companies, like The Hartford, offer better perks for older drivers. Compare Progressive vs. The Hartford in our review: The Hartford Auto Insurance Review
Does Progressive raise rates?
One of the most common customer complaints is that Progressive is more likely to raise rates higher than other companies at renewal, with some drivers reporting 20%-60% increases without a change in their record, coverage, or vehicle.
What factors affect the cost of my auto insurance with Progressive?
Your driving record, the type of vehicle you drive, your age and gender, your location, your credit history, and the coverage options you select all affect your premiums. Progressive uses its own rating system, so call the Progressive phone number for customer service at 1-888-671-4405 for more details.
Learn More: Why do my auto insurance rates go up every year?
Is Progressive insurance full coverage?
Yes, Progressive offers all the necessary policy options for full coverage car insurance, including collision, comprehensive, UM/UIM, MedPay, and PIP. Use our free rate finder to compare full coverage policies near you.
Does Progressive cover rental cars?
Is Progressive Snapshot worth it?
Does Progressive offer veteran discounts?
What is Progressive Direct insurance?
How do you get a quote from Progressive?
Can you cancel your Progressive car insurance online?
How do you pay for your insurance with Progressive?
Does Costco have auto insurance?
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