Progressive Direct Auto Insurance Review: Everything You Need to Know (2022)
Progressive Direct Insurance Company is one of the top auto insurance companies in the nation by market share, ranking in the top three. Average Progressive Direct auto insurance rates are $327.91/month, but rates can be much lower for some drivers. Progressive auto insurance policies are available in every state, and the Progressive Insurance A.M. Best rating is an A+.
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UPDATED: Jun 10, 2022
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- Progressive Direct auto insurance company has consistently been ranked fourth in the nation and has received an excellent (A+) rating from independent rating companies every year for the past five years.
- Proactive measures, such as taking a defensive driving course or avoiding getting a ticket, can help reduce your insurance rates.
- Make sure when you are comparing coverages you are getting quoted for the amount of coverage you need.
Finding an insurance company can be tough. Should you choose Progressive Direct auto insurance or another company? When you search for auto insurance online, a plethora of options fills your computer screen.
How do you choose an auto insurance company? Which ones are the best companies for you? 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 might 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 Progressive Direct auto insurance for you.
First, let’s talk about the difference between Progressive and Progressive Direct. It is important to note that while the company and coverage are the same, prices may differ between Progressive and Progressive Direct.
Progressive uses local agents to handle your auto insurance, while Progressive Direct is the company itself, without the local agent.
We are going to really dig deep into Progressive auto insurance. Where does the company land on national rating statistics, and how do its rates compare to others? Keep reading to find out.
Before you learn more about Progressive auto insurance, take a minute to compare online auto insurance rates. To compare auto insurance quotes, enter your ZIP code into our free comparison tool.
What are Progressive Direct’s auto insurance rates?
There are many factors that affect auto insurance rates. Below you will find different tables showing you some of those factors and how the rate could change.
This next section will break down rates and help you see if Progressive is a good fit for you.
What is Progressive availability and 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.
This table will show you the average annual auto insurance rate for your state and what Progressive charges. Use the search box below to find out if Progressive is above or below your state’s average.
|States||Average Annual Auto Insurance Rates by State||Progressive Average Annual Auto Insurance Rates|
|West Virginia||$2,595.36||NA in State|
|Idaho||$2,979.09||NA in State|
|Minnesota||$4,403.25||NA in State|
|District of Columbia||$4,439.24||$4,970.26|
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 increase by hundreds or thousands of dollars after a move, you may want to look at other insurers.
What factors increase Progressive insurance rates?
Sometimes Progressive auto insurance rates are higher due to circumstances you cannot control. Rates are generally higher for males between the ages of 16 and 24. Rates are also higher based on where you live and the type of car you drive.
Red vehicles and sports utility vehicles are some of the most expensive types of vehicles to ensure. Your driving history and past insurance record can also increase your rates.
Taking proactive measures can help reduce your insurance rates. For example, you can take a defensive driving course or add a safety feature to your vehicle.
Shopping around every six months so you can make sure you are still getting the most affordable Progressive auto insurance rates is another positive way to keep rates low.
Overall, the best way to make sure rates stay low is to be a safe driver, pay your insurance bill on time, and never have a lapse in insurance.
How does Progressive compare with the top 10 companies by market share?
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.
|States||Average Annual Rates by State||Allstate Average Annual Rates||American Family Average Annual Rates||Farmers Average Annual Rates||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates||Progressive Average Annual Rates||State Farm Average Annual Rates||Travelers Average Annual Rates||USAA Average Annual Rates|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
|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|
As you can see from the table above, Progressive’s rates usually fall in the middle. It is neither the most expensive provider nor the least expensive provider.
What are the average Progressive auto insurance rates for males and females?
One factor in determining an auto insurance rate is your gender. Whether or not gender will affect your rates will depend on the state that you live in. Some states like California will not allow gender to be used to determine auto insurance rates.
Let’s look at what the price difference is for males and females with Progressive.
|Demographic||Progressive Average Annual
Auto Insurance Rates
|Married 60-year-old female||$1,991.49|
|Married 60-year-old male||$2,048.63|
|Married 35-year-old male||$2,175.27|
|Married 35-year-old female||$2,296.90|
|Single 25-year-old female||$2,697.73|
|Single 25-year-old male||$2,758.66|
|Single 17-year-old female||$8,689.95|
|Single 17-year-old male||$9,625.49|
As you can see, male drivers are usually going to have higher rates. Also, a younger driver who is less experienced will always be viewed as a higher risk than an older driver.
What are the average Progressive auto insurance rates by make and model?
We have taken five common vehicles and quoted them out with 10 of the biggest insurance companies. Take a look and see if your car is on the list and which company rates the lowest.
|Vehicle||Allstate Average Annual Rates||American Family Average Annual Rates||Farmers Average Annual Rates||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates||Progressive Average Annual Rates||State Farm Average Annual Rates||Travelers Average Annual Rates||USAA Average Annual Rates|
|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|
|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|
|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|
|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 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|
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 they could help lower your insurance rate.
What are Progressive auto insurance rates for commuting?
Some insurance companies will charge higher rates for drivers with longer commutes since more time on the road equals more chances of an accident.
|Average Annual Commute||Progressive's Average Annual Rates|
|10 miles commute|
6,000 annual mileage
|25 miles commute|
12,000 annual mileage
As you can see from the table above, Progressive generally only charges an average of $11 more if drivers have a longer commute.
What are Progressive auto insurance rates based on coverage levels?
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 getting a 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.
|Auto Insurance Coverage Level||Progressive's Average Annual Rates|
The average price to upgrade from low to high coverage is only $51 a month, which isn’t bad at all. Some companies may charge well over $80 a month to upgrade from low to high coverage.
What are Progressive auto insurance rates based on credit history?
Your credit history is a big factor in determining how your insurance rate is calculated. Credit history is typically known to affect bigger purchases like cars and homes, but it can also impact your insurance rates.
If you have a poor credit history, a company will see you as being at risk of not paying your insurance rates.
|Credit History||Progressive's Average Annual Rates|
Going from good to poor credit at Progressive will add about $1,100 annually or $92 monthly to your auto insurance costs. This may seem high, but this is an average number at most insurers.
What are Progressive auto insurance rates based on driving record?
One of the most obvious reasons your insurance rate may change or be affected is because of your driving record. Auto insurance companies check your driving record, so a clean record is always going to lead to your cheapest rate.
Check out below how your record could be affecting your rate.
|Driving Record||Progressive's Average Annual Rates|
|One speeding violation||$4,002.28|
Progressive charges higher rates 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.
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What are Progressive’s auto insurance ratings?
A great way to see how a company is doing is by looking at their ratings with different rating companies. Some rating companies look at financials while others may look more at customer satisfaction, but both areas are of great importance.
|A.M. Best||A+ (Superior)|
|Better Business Bureau (Northbrook, IL)||A- (Very Good)|
|S&P||AA (Very Strong)|
Progressive has excellent ratings, showing the company is very strong financially.
What is Progressive’s A.M. Best rating?
A.M. Best credit ratings are a great indicator of financial strength and how well a company is doing.
“Best’s credit ratings are an essential tool in helping the financial industry and consumers assess an insurer’s financial strength, creditworthiness, and ability to honor obligations to policyholders worldwide.”
A.M. 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.).
What is Progressive’s Better Business Bureau rating?
“Best’s credit ratings are an essential tool in helping the financial industry and consumers assess an insurer’s financial strength, creditworthiness, and ability to honor obligations to policyholders worldwide.” A.M. 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.).
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.
What is Progressive’s Moody’s rating?
Moody’s is a reputable rating company that operates in 42 countries. Moody’s uses various tools and research to give companies proper financial ratings.
Moody’s gives Progressive a rating of A2 meaning very good on the Moody’s scale. Like A.M. Best’s rating, this means Progressive has the ability to pay back debts and has a stable financial future.
What is Progressive’s S&P rating?
S&P says it best on their website when describing themselves.
“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 rating, which means very good. 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.
What is Progressive’s NAIC Complaint Index rating?
The National Association for Insurance Commissioners (NAIC) has a wealth of information on its 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 complaint department. This means that only a small number of customers submit complaints about Progressive.
What is Progressive’s J.D. Power rating?
J.D. Power is one of the leading experts in ratings. The unique aspect of J.D. Power is that they compile information from actual consumers. This gives you first-hand knowledge of what to expect.
Take a look at the results of J.D. Power’s 2019 study to see how Progressive ranks across the U.S.
|Region||Overall Score (out of 1,000 points)||J.D. 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 J.D. 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.
What is Progressive’s Consumer Reports rating?
According to Consumer Reports:
“Consumer Reports is an independent nonprofit membership 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.”
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 J.D. Power.
What auto insurance coverages does Progressive offer?
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.
What are Progressive’s bundling options?
Progressive offers all of the following auto 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 other 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 on one policy to earn a multi-car discount.
However, a true bundling discount is earned when you combine an auto insurance policy with a home insurance policy, life insurance policy, or health insurance policy. In fact, bundling is often a topic of discussion in Progressive’s commercials.
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. This 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.
What are the discounts offered by Progressive?
Take a look at the table below to see the main discounts that Progressive offers its customers.
|Discount Name||Average Discount||Details|
|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)|
|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)|
|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)|
|Homeowner||nearly 10%||If you own a home (even if it is not insured through Progressive's network)|
|Multi-Car||10%||If you have more than one vehicle listed on your policy|
|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)|
|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)|
|Pay in Full||Varies||If you pay for your six-month policy up-front|
|Safe Driver||31%||If you have no accidents/traffic violations in the past three years|
|Sign Online||nearly 8%||If you sign your documents online|
|Snapshot Program||$130||Their Snapshot program that personalizes your rate based on your driving.|
|Teen Driver||Varies||If you're adding a teen driver to your policy|
Along with the main discounts listed above, here are some other discounts Progressive offers.
- Adaptive Cruise Control
- Adaptive Headlights
- Anti-lock Brakes
- Claim Free Discount
- Daytime Running Lights
- Defensive Driver
- Distant Student
- Driver’s Ed
- Early Signing
- Electronic Stability Control
- Family Legacy
- Forward Collision Warning
- Good Credit
- Lane Departure Warning
- Low Mileage
- Newer Vehicle
- Passive Restraint
- 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.
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
- Been 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 is Progressive’s Snapshot®?
The Snapshot tool with Progressive is a device or app on your mobile phone that monitors 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.
Unfortunately, the Snapshot app has a poor rating of 2.2 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.
What is the Progressive 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 the Progressive Name Your Price tool with let you know what coverages you can get within that price amount.
What other programs are available from Progressive?
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 has partnered with TrueCar to help you find the best deal.
- Usage-Based Insurance – Snapshot® is a program that can follow your driving habits. So, the safer a driver you are the better your rate 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.
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 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.
What other insurance coverages are offered by Progressive?
Progressive offers many other coverages than just auto insurance. Some of its other offerings are:
To save money on your insurance, consider bundling multiple policies. For example, you could bundle your auto insurance and homeowner’s insurance to get a discount on both.
How do you cancel your Progressive auto insurance policy?
Why do some people dislike Progressive auto insurance? Reasons may vary for why you may want to cancel a Progressive policy.
Sometimes you need to change or cancel your insurance. However, if you still own a vehicle, you always should have another policy in place before you cancel your existing 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 auto insurance policy at Progressive, keep reading to learn how to cancel a Progressive policy.
Is there a cancellation fee?
Some companies have a prorated 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 prorated 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.
Is there a refund?
Yes. As mentioned earlier, Progressive will give you a prorated return in the event of a cancellation if you have an unearned rate.
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 do you cancel?
While Progressive may not want you to cancel, they do make it easy for a client to part ways with 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 the Progressive auto insurance number 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 access your personal account with your Progressive auto-login 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 choose.
Progressive may also ask you for your replacement policy information or why you are canceling.
When can you cancel?
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 rate from your current company. 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 can you contact Progressive customer service?
You can contact Progressive customer service in several different ways.
You can speak with your local agent, email, or call to get the customer service team. The customer service phone number is 800-776-4737.
There is also an automated chat feature on the website to help with some common questions.
The Progressive app is another way to connect with customer service and find answers to some of your questions. The app will help you get policy information, make payments, and even file a claim.
How useful is the Progressive App?
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 use to 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 the Progressive website 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 the 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.
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How do you make an auto insurance claim with Progressive?
Insurance is a necessity of life. It is an expense we hope we never have to use. Unfortunately, there are times when 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 how to report claims at Progressive.
How easy is making a claim?
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 bring up 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 services 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 give 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
The more information you collect, the better your chances of the claim being accepted.
What is the loss ratio of Progressive?
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 rates and paid claims. For instance, if a company had $100,000 in rates and paid out $50,000 in claims, its loss ratio would be 50%.
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%, 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.
How do you get a Progressive auto insurance quote online?
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 Progressive auto insurance quotes online..
Step 1: Select a Product
First, you need to choose which product you want a quote for. 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 on 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 want to insure. This is where Progressive will check the safety ratings of your vehicle and determine car discounts.
Step 4: Saving Your Quote
You even have the option to save your quote. You can then go back to Progressive to retrieve the quote at a later date. This is useful if you are on the fence about Progressive and want to compare the quote to other insurers’ rates later on.
You will also be given a Progressive quote number to help you return to your quote.
Now imagine doing that for several companies just to compare rates. Hard, right? It doesn’t have to be. Enter your ZIP code on our page and immediately compare auto insurance rates from multiple companies.
Since Progressive Direct is known for its comparisons of auto insurance rates, it is a good idea to know what the benefits of comparing rates are.
- Knowledge of rates – First of all, you can’t be sure you’re getting a good rate on auto insurance unless you have something to compare it to. Comparing rates will let you know whether or not the rate you have received from one company is a good rate.
- Power – Another benefit of comparing auto insurance rates is the negotiating power it gives you. Once you have a quote from a competing auto insurance company, you can ask the other company for a better deal. You can tell them about the quote or show them the actual quote and see if they will match it. If they won’t, then you can decide which company you would like to go with.
- Knowledge of coverage – Comparing auto insurance rates will also allow you to compare coverage. The lowest price isn’t always the best coverage for the money. When you receive competing quotes, you can see services and policy details side by side. One company might be lower in price, but is it giving you higher deductibles? Is it taking away roadside assistance?
These types of questions can be answered when comparing quotes.
What information do I need to provide in order to receive a Progressive auto insurance quote?
Each insurance company is different as far as the information they require in order to give you a quote, but some information is standard and you will need to answer questions to receive a Progressive auto quote.
Insurance companies will need to know your name, address, and phone number as well as the names of anyone else who will be covered by the insurance policy.
It is best to make the person with the best driving record the primary driver. They will need to know the age of all drivers. Especially for teen drivers, age has an impact on rates.
Most insurance companies will also need to know about your driving history. For the most part, when you give them your name and address, the company will be able to pull up violations from the last several years.
Some companies look at information for the past three years while other companies look at information for the past five years. Moving violations such as speeding tickets and accidents have a bearing on your rates as well.
Lastly, the insurance company will ask you a series of questions to determine which discounts you qualify for.
- Student driver discounts are based on age
- Safe driver discounts are based on driving history
- Safety feature discounts are based on the safety features you have on your vehicle
- Military discounts are based on your present or past service in the military
Answering all of these questions can ensure that you get the most discounts possible. What discounts does Progressive provide?
What are Progressive’s market share and company information?
Since the beginning of 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 rates upfront.
Decades later and by 1987 Progressive hit the billion-dollar mark, writing over $1 billion in rates. So what makes Progressive one of the biggest insurance companies out there besides offering affordable Progressive Direct auto insurance?
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 Progressive’s market share?
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.
Now let’s compare a few years to see how the company is improving.
|Year||Market Share of Liability||Market Share of Physical Damage||Total Market Share|
An increase of less than 1% in total market share may seem small, but it is actually a great increase in market share.
How is 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 of 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 Progressive Direct auto 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 quotes 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.
Does Progressive have commercials?
Chances are most consumers have seen Progressive agents Flo and Jamie. 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 to advertise their discounts and services through humor. Having a mascot also helps Progressive’s commercials stick in their viewers’ minds, like with GEICO’s gecko mascot.
What are Progressive’s community service projects?
Progressive definitely gives back to the community. They have several programs they have started.
Their Keys to Progress® program is used to help veterans in need of cars. Since 2003, Progressive has given over 600 cars to veterans in need.
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 employees gave over 18,000 hours to volunteering.
What are Progressive’s employee facts?
Progressive is one of the largest insurance companies out there. They employ over 10,000 people and have revenue numbers over $10 billion.
It is no surprise that 92% 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% of Progressive’s employees are millennials (born between 1981 and 1997).
The remaining half is made up of older workers: 39% of Progressive’s workers are Gen X (born between 1965 and 1980), and 13% 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 their workplace. However, we also want to look at how employees rate Progressive 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 Progressive Direct reviews can be subjective, but most employees seem to think that Progressive has a good work environment.
What are 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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What are the pros and cons of Progressive Direct?
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 the 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 the state average in several states|
|Loss ratio is stable||Mobile app ratings spotty based on customer experience|
|One of the only insurers who offer 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.
What’s the bottom line for Progressive Insurance?
Progressive is a decent choice of provider. There is a reason Progressive is one of the top 10 insurance providers in the U.S. It is financially stable, has decent customer reviews, and is growing its market share.
While rates may be a little higher than other companies, 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 auto 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.
If you are switching insurance companies, be sure to keep your current company until the date you are covered by the new company. Insurance companies see lapses in coverage or late payments as risk factors that increase your insurance rates.
We hope this helped you decide if you want to buy Progressive auto insurance. Enter your ZIP code here and use our free comparison tool to get no-obligation auto insurance quotes to compare top companies.
Frequently Asked Questions: Progressive Direct Auto Insurance
Do you still have questions regarding insurance with Progressive? Below are some commonly asked questions about Progressive insurance.
#1 – Why are rates different when going through Progressive vs Progressive 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.
#2 – What happens if I miss an auto 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 auto 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.