Progressive Auto Insurance Review for 2026 (Insider Report on Rates & Discounts)

Our Progressive auto insurance review finds it a good choice for drivers who want affordable same-day auto insurance. Rates average $850 a year with a clean record.

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

Progressive customer service and claims handling scores lower than average in annual J.D. Power satisfaction surveys, and it struggles to retain policyholders after steep rate increases at renewal.

Explore rates and coverage options in this Progressive car 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

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.

Progressive Drivers Insurance at Different Ages

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 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.

Senior auto insurance starts as low as $57 a month, and retired drivers can lower their insurance bills by using Progressive’s Snapshot program, which offers discounts for low mileage and safe driving habits.

If you want more affordable insurance rates, check out our online marketplace to see how prices compare in your area.

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. Progressive customers sometimes report higher premiums at renewal despite having clean driving records.

Reddit commenters point out that rising repair costs, vehicle thefts, and regional claims can also increase rates, even when a driver hasn’t filed a claim or received a ticket.

Compare quotes online before you switch to see which insurance provider offers the best 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

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 with the Progressive Name Your Price tool by adjusting coverage levels and deductibles to stay on budget.

Your Progressive auto insurance rates will go down as your credit score improves, and maintaining a safe driving record can help during that time and keep your premiums more stable.

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.

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

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.

Drivers who maintain a good driving record and remain claim-free can earn these policy rewards:

• 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.

Top Usage-Based Auto Insurance (UBI) Programs

You can find UBI at most major insurance companies, and Progressive is as competitive as State Farm and USAA, and it offers a bigger potential discount than Geico.

The average driver saves around $328 per year with Snapshot. Savings kick in at renewal, but Progressive warns that every two in 10 drivers see a rate increase based on bad driving scores.

Since Snapshot can raise rates for bad driving, 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.

Auto Policy 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.

• Collision Insurance: Pays for your vehicle repairs after an accident, even if you’re at fault.
• Comprehensive Insurance: Progressive comprehensive car insurance covers theft, vandalism, animal contact, fire, and weather damage.
• 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
• Personal Injury Protection (PIP)/Medical Payments: Depending on your state laws, PIP insurance or Medical Payments can cover medical bills.
• Uninsured/Underinsured Motorist: Uninsured/underinsured motorist coverage protects you from drivers with inadequate or no insurance.

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.

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.
• 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.
• Roadside Assistance: Progressive offers help when you’re stranded with a flat tire, a dead battery, or you need a tow.

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.

Comparing Progressive ATV Coverage

Progressive is one of the most competitive providers for ATV insurance, especially for full coverage.

At $17 per month, Progressive is half the cost of Geico, American Family, and AAA Insurance. See More Quotes: American Family vs. Progressive Auto Insurance

Progressive vs. Competitors: ATV Insurance Monthly Rates

These rates reflect liability limits of 50/100/25, and your premiums will go up if you carry higher coverage levels. Quotes also change if you use your ATV for more than personal recreation, like commercial racing.

Progressive offers multiple ways to save on ATV coverage, from bundling discounts to total loss coverage on brand-new ATVs. If you have a motorcycle policy with Progressive, you can add your ATV or UTV and cover them all under one premium.

How Progressive Boat Insurance Works

Progressive covers many different types of boats and personal watercraft (PWC), like jet skis and WaveRunners.

Unlike car insurance, boat insurance policies are based on the craft’s value, not a state minimum. Progressive, along with Geico, State Farm, and USAA, are the cheapest boat insurance companies.

Progressive vs. Competitors: Boat Insurance Monthly Rates

Monthly rates start at $30 a month for a $30K boat with Progressive, compared to $29 monthly at Geico and $31 per month with State Farm and USAA Insurance.

For even lower rates, Progressive offers discounts to policyholders who take a state-approved boat safety course. You can earn additional savings by paying your annual boat premiums in full and bundling your policy with home, auto, RV, or motorcycle insurance.

Buying Motorcycle Insurance With Progressive

Progressive is the top motorcycle insurance company in the U.S., with one in every three drivers buying a policy. Rates start at $22 a month for minimum coverage, jumping to $62 for full.

Switching from Allstate to Progressive motorcycle insurance saves riders $180 per year on full coverage. Compare both providers now: Allstate vs. Progressive Auto Insurance

Progressive vs. Competitors: Motorcycle Insurance Monthly Rates

Along with competitive rates, Progressive has some of the best motorcycle insurance discounts. Many car insurance discounts, including online quote, pay-in-full, and auto-pay discounts, apply to its motorcycle policies.

Riders can also earn the Safe and Steady Rider discount, which is available to older riders (45+) who haven’t filed a claim in at least three years. Claim-free riders also qualify for the same small- and large-accident forgiveness rewards safe drivers earn on car insurance.

Progressive RV Insurance Costs & Coverage

Progressive RV policies cover Class A, B, and C motorhomes, as well as other types of travel trailers, such as pop-up campers and horse trailers.

Estimated quotes are intended for a standard Class C motorhome. Larger Class A motorhomes, luxury diesel pushers, and full-time RV residences can cost more to insure. Shop online to see what insurers may charge in your area.

Progressive vs. Competitors: RV Insurance Monthly Rates

Progressive and USAA insurance are the cheapest options for RV coverage, starting at $38 and $40 a month, respectively. USAA is only available to military families, making Progressive the more affordable option for more drivers.

Progressive offers several specialized RV insurance coverages beyond standard liability, collision, and comprehensive insurance.

• Full-Timer’s Liability: Provides liability protection if you live in your RV permanently and are responsible for someone else’s injuries or property damage.
• Pest Damage Protection: Covers damage caused by wild animals, including rodents and birds.
• Pet Injury Coverage: Pays up to $1,000 in veterinary bills if your dog or cat is injured in an RV accident, with no deductible.
• Roof Protection Plus: Helps pay to repair or replace a damaged RV roof, including damage from normal wear and tear.
• Vacation Liability: Covers injuries to others in or around your parked RV while you’re on vacation, with coverage limits ranging from $10,000 to $500,000.

You can also add roadside assistance and emergency expense coverage, which provides up to $750 to cover food and accommodations if your RV breaks down more than 50 miles away from your permanent residence.

Some add-ons come with restrictions. Pest damage and roof protection are only available for eligible RVs less than six years old, and require a $250 deductible.

Read More: Best States for Full-Time RV Living

Progressive Reviews & Third-Party Ratings

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

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. However, J.D. Power consistently gives it below-average claims satisfaction ratings, and reviews on Reddit say Progressive 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.

While most customers agree the mobile app is great for policy management, many Reddit posts say it’s hard to reach a human when following up with an adjuster through the app, even by calling the Progressive auto insurance phone number or visiting 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

Our Progressive auto insurance review found ample discount opportunities and competitive rates. 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.

Progressive car insurance works well for drivers who prefer managing their policies online. Its mobile app makes it easy to update coverage, pay bills, and file claims, while the Name Your Price tool helps shoppers find coverage options that fit their budget.

On the other hand, the company’s drawbacks contribute to its low customer loyalty, including its poor claims service and rate increases. Find a better insurer in our guide: 10 Best Auto Insurance Companies for Paying Claims

Drivers with clean records may also find cheaper full coverage elsewhere. Compare personalized rates with our free quote comparison tool to find affordable auto insurance companies near you.