Orlando Harmon
Progressive is one of the largest insurance companies in the US, serving over 13 million policies across all 50 states. The company offers a range of insurance policies, including auto, home, pet, health, and life insurance. Progressive has received mixed reviews, with a 3.1/5 rating from WalletHub's editors, who praised its competitive rates and long list of discounts, while some customers have complained about poor customer service and lackluster coverage. Progressive has also been known to offer lower insurance rates to customers who bundle their policies, increase their deductibles, or participate in their safe driving program, Snapshot. In 2025, Progressive cut its auto insurance rates in Florida by up to 10.5%, making it a competitive option for drivers in the state.
| Characteristics | Values |
|---|---|
| Average annual cost | $2,155 |
| Average monthly cost | $79.83 - $157.27 |
| Accident forgiveness | Yes |
| Large accident forgiveness | After 5 years |
| Coverage options | Rideshare, gap, accident forgiveness, vet bills |
| Customer satisfaction | Below average |
| Discounts | Good Student Discount, Snapshot® |
| Customer service | Average |
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What You'll Learn
- Progressive offers affordable car insurance with high-quality coverage
- Progressive's rates are determined by age, location, driving record, vehicle usage, and more
- Progressive offers small accident forgiveness and large accident forgiveness
- Progressive's optional coverage includes rideshare and gap insurance
- Progressive is rated below average for auto insurance claims
Progressive offers affordable car insurance with high-quality coverage
The company offers a Good Student Discount to parents who add their eligible teen driver to their policy, lowering the cost of insuring new drivers. Progressive also offers small accident forgiveness for new customers in some states, so your rate won't go up for your first claim totalling $500 or less. If you've been insured with Progressive for at least five years and have had no accidents for at least five years, the company won't raise your rate even for a large accident claim.
Progressive offers many helpful coverage add-ons for people who want extra protection. It is a good choice if you have a car loan or lease because it sells gap insurance, which pays for the difference between a car's value at the time it's totalled or stolen and the balance of its loan or lease. It also includes free coverage to pay for veterinarian bills if a pet is injured in a crash. This coverage is available for customers who buy collision insurance in certain states only.
Progressive's Snapshot® program personalizes your rate based on your actual driving. The safer you drive, the more you save. Drivers who save with Snapshot save an average of $322 a year. Progressive also has a Name Your Price® tool, which shows you the coverage options that fit your budget when you tell them how much you'd like to pay.
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Progressive's rates are determined by age, location, driving record, vehicle usage, and more
Progressive offers a range of auto insurance policies, with rates determined by several factors. These factors include age, location, driving record, vehicle usage, and more. Age is a significant factor, with younger drivers generally facing higher rates due to their increased likelihood of accidents or taking risks on the road. However, Progressive offers a Good Student Discount to help lower the cost of insuring new drivers.
Location is another critical factor, as it influences the likelihood of claims or accidents. Driving record also plays a role, with better rates offered to those with clean driving records. Accidents and tickets can increase premiums, although Progressive offers small accident forgiveness for claims up to $500 for new customers in most states.
Vehicle usage is also considered in determining rates. Progressive's Snapshot® program personalizes rates based on actual driving behaviour, rewarding safe driving with discounts. Additionally, Progressive takes into account other factors such as vehicle type, state requirements, and individual circumstances.
Progressive is known for its affordable rates, coverage options, and discounts. It offers a basic full-coverage policy at a lower cost than competitors and provides uncommon coverage add-ons, such as gap insurance and rideshare insurance. Progressive's rates are influenced by various factors, allowing them to tailor policies to meet customers' needs and budgets.
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Progressive offers small accident forgiveness and large accident forgiveness
Progressive offers three types of accident forgiveness: small accident forgiveness, large accident forgiveness, and Progressive accident forgiveness.
Small Accident Forgiveness
Small accident forgiveness is available to new Progressive customers in most states. This benefit is automatically added to your policy, and your insurance rate will not increase for your first claim that is less than or equal to $500.
Large Accident Forgiveness
Large accident forgiveness is available to customers who have been with Progressive for at least five years and have remained accident and violation-free during that time. With this coverage, your rates will not increase even if the total claim exceeds $500.
Progressive Accident Forgiveness
You can purchase additional accident forgiveness benefits when you buy or renew your Progressive policy. This may be useful if you have already used your small and large accident forgiveness benefits and want additional protection. With Progressive accident forgiveness, you may be eligible to have one accident forgiven per policy period.
Progressive also offers other benefits to its customers, such as gap insurance, rideshare insurance, and free coverage for veterinarian bills if a pet is injured in a crash.
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Progressive's optional coverage includes rideshare and gap insurance
Progressive is one of the largest car insurance companies in the US, and it offers a range of optional coverage types, including rideshare and gap insurance.
Ridesharing has become a popular way to earn extra income, and many people who drive for ridesharing or delivery services like Uber, Lyft, or DoorDash may assume they are covered by their personal car insurance or the insurance provided by the ridesharing company. However, this is often not the case. If you are driving for a ridesharing company, you need to add rideshare coverage to your auto insurance policy to protect yourself and your vehicle adequately. Progressive offers rideshare insurance, which can be added to your existing policy, filling the coverage gap. This insurance provides third-party liability insurance if you cause an accident while driving for a ride-hailing service and covers you while you are logged into the app and waiting for a ride request. It also provides extended coverages, such as reimbursing you for the difference between the ridesharing company's insurance deductible and your personal policy's deductible.
Gap insurance is another type of optional coverage offered by Progressive. This type of insurance is useful if you owe more on your vehicle loan or lease than the car is worth. Gap insurance pays the difference between the value of your car at the time it is totaled or stolen and the balance of its loan or lease. This can be very helpful if you don't have the funds to purchase a new vehicle or make repairs.
In addition to these optional coverages, Progressive also offers other benefits, such as accident forgiveness for small claims and a Good Student Discount for eligible teen drivers added to their parents' policy. Progressive's rates are determined by various factors, including age, location, driving record, vehicle usage, and vehicle type. According to NerdWallet's analysis, Progressive's average annual rate for full coverage is $2,155, which is lower than the national average of $2,290.
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Progressive is rated below average for auto insurance claims
Progressive is one of the largest auto insurers in the US, serving over 20 million drivers. It offers a wide range of insurance types, including rideshare, gap, liability, commercial, classic car, and custom equipment coverage. It also covers vet bills if your pet is injured in a crash.
Progressive's rates are competitive, with an average annual rate of $1,820, which is $192 less than the national average. Its rates are especially competitive for senior drivers, and it offers a Good Student Discount for younger drivers. Progressive also offers a range of discounts, including for safe drivers and those who make automatic payments.
However, Progressive has received a below-average rating for auto insurance claims. According to J.D. Power's customer satisfaction studies, Progressive was rated below average for auto insurance claims. Similarly, in a 2024 NerdWallet survey, Progressive scored below average for overall customer satisfaction when compared with other insurers. Progressive also had the expected number of complaints relative to its size, according to data from the National Association of Insurance Commissioners.
Despite this, Progressive received positive feedback in a US News survey, which found that 85% of customers were likely or very likely to recommend the company. The same percentage expressed complete satisfaction with how their claim was resolved. Progressive's survey covered aspects such as customer service, the claim process, and whether policyholders would recommend the company or renew their policy.
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Frequently asked questions
Progressive car insurance costs an average of $2,155 per year for full coverage, compared to the national average of $2,290. However, rates vary depending on factors such as age, location, driving record, vehicle usage, accidents, vehicle type, and more.
Progressive is known for offering competitive rates that are often lower than those of its competitors. According to a 2025 analysis, Progressive's annual rate of $1,562 was lower than Allstate's $2,381. Progressive is also cheaper than Farmers and is considered a better choice overall.
Progressive considers various factors when determining car insurance rates, including age, location, driving record, vehicle type, and driving history. Age is a significant factor, as younger drivers tend to have higher rates due to a higher risk of accidents. Location also plays a crucial role, as rates vary from state to state, and each state has its own minimum insurance requirements.
Progressive offers several benefits, including a wide range of coverage options, such as rideshare and gap insurance. They also provide small accident forgiveness for claims up to $500 and large accident forgiveness for loyal customers. Additionally, Progressive has a Good Student Discount, where parents can add their teen drivers to their policy at a lower cost.
Progressive offers various ways to obtain cheaper car insurance rates. Their Snapshot® program personalizes your rate based on your driving behavior, rewarding safe driving with discounts. You can also earn discounts by bundling multiple policies, paying your six-month policy upfront, and customizing your policy to balance costs and coverages.
