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Our take
Progressive, a major insurer that covers drivers throughout the United States, ranked No. 7 in Insure.com’s ranking of the Best Car Insurance Companies for 2023 with 3.1 stars out of 5. While its average annual premiums are often higher than many competitors, Progressive provides a wide array of discounts.
Progressive gets high marks for customer satisfaction, policy offerings and renewals. It also gets high marks from AM Best for its credit rating – a measure of its financial security – earning an A+. In addition, we found it had a very respectable score of 819 out of 1,000 when we looked at J.D. Power’s customer satisfaction study.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
Pros and Cons
- Great discounts
- Had one of the highest scores for ease of service
- You can select coverage that fits your budget
- Premiums are above the national average
- Its breadth of policy offerings falls in the middle of the pack
How much Progressive costs
Among the top 10 companies on Insure.com’s list, Progressive’s rates were among the highest, although others were higher. And the company ranked highly for the discounts it offers. See the table below to check out how much auto insurance from Progressive costs compared with the monthly rate from some of its competitors.
| Company | Monthly rate/premium |
|---|---|
| Progressive | $141 |
| Allstate | $174 |
| Farmers | $165 |
How Progressive rates for customer satisfaction
When we asked Progressive customers about their satisfaction, 85% said they were satisfied with Progressive’s customer service. That’s tied with Geico and in line with many other insurers with similar nationwide reach.
Looking at another metric, Progressive’s averaged J.D. Power score of 819 is just a bit lower than the overall J.D. Power customer satisfaction rating of 834 (on a 1,000-point scale) for auto insurance companies. J.D. Power grades auto insurance companies on state/regional levels – it doesn’t offer national scores. We averaged the state/regional results to see how the companies did.
| Company | Percent of customers that are satisfied |
|---|---|
| Progressive | 85% |
| State Farm | 91% |
| Geico | 85% |
How Progressive scores on ease of service
Progressive scores highly in terms of how customers viewed its ease of service when it comes to accessing policy documents and services. Progressive ranked only a few points below Liberty Mutual and Allstate in our survey. Progressive tied in this category with Geico and Nationwide.
| Company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| Progressive | 87% |
| Liberty Mutual | 92% |
| Allstate | 88% |
How Progressive scores on policy offerings
When customers ranked insurance companies by their policy offerings, Progressive scored in the middle of the pack among national insurers behind top-scorers Erie and Liberty Mutual. Progressive, however, is the top insurer for motorcycles and offers a 4% discount on bundling.
| Company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| Progressive | 84% |
| Erie | 91% |
| Liberty Mutual | 90% |
Would current customers recommend Progressive to others?
While most Progressive customers would recommend the company to others, Progressive ranked lower in this metric than some competitors – including Travelers and State Farm.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Progressive | 88% |
| Travelers | 96% |
| State Farm | 94% |
How trustworthy is Progressive?
When customers were asked to rank insurance companies for trustworthiness, 73% of Progressive customers said they trusted the company. State Farm had the highest score in this category.
| Company | Percent of customers who say they trust the company |
|---|---|
| Progressive | 73% |
| State Farm | 84% |
| Geico | 76% |
Do Progressive customers plan to renew?
Progressive was rated very highly for customers who planned to renew their coverage – in fact, it had one of the highest scores in our survey.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Progressive | 97% |
| Nationwide | 97% |
| Allstate | 90% |
How Progressive scores on claims handling
When it comes to claims handling, Progressive scored in the second tier in our survey, just behind Liberty Mutual. Looking at another third-party metric, Progressive’s J.D. Power rating for claims is 861 out of a possible 1,000. That’s just a bit below the average of 873.
| Company | Survey score for claims handling |
|---|---|
| Progressive | 50% |
| Allstate | 87% |
| Liberty Mutual | 53% |
How Progressive scores for discounts
When asked about discounts, customers were extremely satisfied with Progressive’s discounts compared with its competitors. Progressive had one of the top scores in this category.
| Company | Average discount | Survey score for discounts |
|---|---|---|
| Progressive | 8% | 76% |
| State Farm | 15% | 77% |
| Allstate | 8% | 75% |
How Progressive scores for bundling home and auto policies
Progressive scored in the lower half of the top 10 companies in this category even though it has reasonably competitive discounts. Travelers and American Family led this category.
| Company | Discount for bundling home and auto | Survey score for bundling home and auto |
|---|---|---|
| Progressive | 13% | 42% |
| Travelers | 10% | 81% |
| American Family | 18% | 81% |
Progressive car insurance coverages
- Personal auto/business auto
- Collector car
- Motorcycle
- Boats and personal watercraft (PWC)
- RV
- Other forms of transportation such as snowmobiles, Segways and ATVs
- Rideshare coverage (in certain states)
Progressive additional car insurance policies
- Homeowners
- Renters
- Condominium
- Mobile home
- Umbrella liability
- Life
Progressive car insurance coverage options
- Usage-based/telematics (Snapshot): Rates can be based on your mileage and how you drive.
- Accident forgiveness: Your rates won’t increase after your first accident.
- Vanishing deductible: Your deductible will be reduced if you have no accidents or moving violations.
- Pet injury coverage: Pays vet bills for dogs or cats injured in a crash (up to specified limits).
- No drop promise/guaranteed renewal program: Your policy will be renewed even if you have accidents and traffic violations.
Progressive car insurance discounts
- Multi-policy: Discount for more than one type of policy with the same insurance provider.
- Multi-vehicle: Discount for two or more vehicles on the same car insurance policy.
- Driver training/Defensive driving: Discount for an approved defensive driving or driver improvement class.
- Good student: Discount for full-time students who meet specific academic criteria.
- Safe driver/clean driving record/good driver: Discount for no accidents or traffic violations, usually for three or five years.
States where Progressive offers coverage
Company background
Progressive is known as a pioneer in the industry. It has been behind several firsts in the auto insurance industry, including writing insurance for high-risk drivers, providing concierge service to help customers find a replacement vehicle and providing in-person service and support after a claim report. It’s the third-largest auto insurance company in the U.S., with nearly 14% of the market share.
The company’s “Name Your Price” tool allows users to find coverage that will fit within their budget. Customers may be able to find a limited policy at an affordable price that other insurers don’t provide. Customers can save even more by registering in the Snapshot program and receive additional discounts for monitored and safe driving.
