Progressive Auto Insurance Review

Last Updated on January 7, 2026

Progressive is one of the biggest names in U.S. auto insurance—and it’s now the second-largest personal auto insurer in the country. Depending on your state and driver profile, Progressive can be a strong fit for drivers who want competitive pricing, lots of coverage options, and a streamlined online quote experience.

In this Progressive auto insurance review, we’ll break down coverage options, discounts, and what to know before you get a quote. If you’re also comparing top competitors, see our guides on Progressive vs. State Farm and GEICO vs. Progressive.

Progressive Auto Insurance at a Glance

Types of Auto Insurance Coverage Offered by Progressive

Progressive offers the core coverages you’d expect from a national insurer, plus a long list of optional add-ons. Your exact options depend on your state, your vehicle, and whether you’re buying a personal auto policy or a specialty policy.

• Liability Coverage: Your policy can include bodily injury liability and property damage liability to help pay for injuries and damage you cause to others.
• Collision Coverage: Helps repair or replace your vehicle after an accident, regardless of fault. This is the coverage used when you file a collision claim.
• Comprehensive Coverage: Covers non-collision losses like theft, vandalism, hail, fire, and animal impacts. Learn more about comprehensive coverage.
• Personal Injury Protection and Medical Payments: Depending on your state, you may have PIP or medical payments coverage to help pay medical costs after an accident.
• Uninsured and Underinsured Motorist Coverage: Protects you if the other driver has little or no insurance. Some states require uninsured/underinsured motorist coverage.
• Rental Car Reimbursement: Helps pay for a rental while your car is being repaired after a covered loss. See how rental reimbursement coverage works.
• Rideshare Insurance: Designed to fill certain gaps when driving for Uber or Lyft. Progressive’s add-on varies by state—see how Progressive’s rideshare insurance can complement Uber or Lyft coverage.

Optional Coverages and Specialty Policies

• Loan/Lease Payoff (Gap-Style Coverage): Often called “gap insurance,” this add-on can help if your vehicle is totaled and you owe more than it’s worth. Learn more about Progressive’s gap coverage options, plus details from Progressive on its loan/lease payoff coverage.
• Custom Parts and Equipment: If you’ve added aftermarket upgrades, consider custom parts and equipment coverage.
• Classic and Collector Cars: If your vehicle is primarily a hobby or show car, you may want classic or collector vehicle insurance instead of a standard policy.
• Recreational Vehicles: Progressive offers insurance for many toys and travel vehicles, including RVs.
• Non-Owner Car Insurance: If you drive but don’t own a vehicle, you may qualify for Progressive non-owner coverage. Some drivers can also insure a car that isn’t in their name, depending on the situation.
• SR-22 Filings: Many high-risk drivers can get coverage that includes SR-22 insurance (requirements vary by state).
• Glass and Windshield Claims: With comprehensive coverage, you may be eligible for Progressive windshield replacement coverage (and in some states, the deductible rules are different).
• Mechanical Breakdown Insurance: For newer vehicles, Progressive’s mechanical breakdown insurance can act like an extended warranty for certain repairs.
• Rebuilt Title Vehicles: Progressive may insure certain vehicles with a rebuilt title, but eligibility and coverage options depend on inspections and state rules.

What Makes Progressive Auto Insurance Stand Out?

Progressive sells the same “core” coverages as other major insurers, but it also offers some tools and perks that stand out—especially for drivers who like digital options and flexible pricing.

Snapshot Usage-Based Insurance

Progressive’s Snapshot program tracks driving behavior and mileage and can lead to customized pricing. Progressive reports that drivers who save with Snapshot save an average of $322 per year, and drivers typically receive an enrollment discount for signing up.

You can learn more about Snapshot directly from Progressive here: Progressive Snapshot.

Name Your Price Tool

Progressive’s Name Your Price tool lets you start with a budget and then see coverage options that fit it. It’s useful if you’re comparing multiple carriers and want to see how deductibles and coverage levels change your rate.

Deductible Savings Bank and Accident Forgiveness

Progressive’s Deductible Savings Bank can reduce your collision or comprehensive deductible by $50 for each policy period you remain claim- and violation-free. It’s similar to a disappearing deductible program.

Progressive also offers multiple “forgiveness” options depending on eligibility and state rules, including Progressive accident forgiveness and small-claim protections in some situations.

New Car Grace Period and Pet Injury Coverage

If you’re an existing customer, Progressive may offer a new car grace period to add a newly purchased vehicle to your policy (timelines vary by state and policy type).

Progressive is also known for offering pet injury coverage in certain situations, which can help pay vet bills after a covered accident.

Progressive Auto Insurance Discounts

Like most national insurers, Progressive offers a wide variety of discounts, but the exact availability and savings depend on your state, driving profile, and how you buy the policy. For the most complete list, see what discounts Progressive offers.

• Safe Driver Discounts: Savings for a clean driving history vary by state. Learn more about the good driver discount.
• Defensive Driving Course: Some drivers can qualify by completing an approved course—see Progressive’s defensive driving discount.
• Multi-Car and Multi-Policy: Insuring more than one vehicle and bundling policies can lead to savings, though the amount varies by state and household.
• Snapshot: Telematics discounts may apply based on driving behavior and mileage, and they can be a major savings lever for some drivers.
• Student Discounts: Options can include good student and “student away from home.” Here’s how the distant student discount works.
• Continuous Coverage and Loyalty: Having continuous insurance coverage can help, and Progressive also offers a loyalty program with added perks.
• Homeowners Discount: Some carriers offer lower rates for homeowners even without bundling.
• Pay-in-Full and Automatic Payments: You may save by choosing to pay in full or setting up automatic payments.

How Much Does Progressive Auto Insurance Cost?

Progressive’s pricing can be very competitive, but there isn’t a single “average” rate that applies to everyone. Your premium depends heavily on your state, ZIP code, vehicle, driving history, annual mileage, and the coverages you choose.

If you’re seeing higher prices than you expected, it’s not just you—insurance costs have risen in recent years due to higher repair costs, pricier vehicles and parts, and rising medical expenses. (If your premium jumped at renewal, here are common reasons car insurance rates go up.)

Progressive does publish savings metrics that can help you set expectations. On its discounts page, Progressive reports that drivers who switch and save with Progressive save over $900 on average (details and disclosures vary by state and customer profile). See more here: Progressive auto insurance discounts.

For more state-by-state context, read our guide to Progressive’s average cost and compare quotes from at least two or three insurers using the same coverage limits and deductibles.

Ways to Lower Your Progressive Premium

• Raise your deductible (if you can afford the out-of-pocket cost in a claim).
• Review coverage limits and add-ons to make sure you’re not over-insured for your situation.
• Consider Snapshot if you’re a safe, low-mileage driver.
• Bundle policies or add additional vehicles if it makes sense for your household.
• Ask about discounts you might be missing (paperless, pay in full, autopay, student, etc.).

Progressive Reviews and Ratings

When evaluating an insurer, it helps to look at a mix of sources: third-party customer satisfaction studies, financial strength ratings (the insurer’s ability to pay claims), and complaint data from regulators.

J.D. Power: J.D. Power publishes annual auto insurance studies that score insurers by region for things like customer satisfaction and claims handling. Results can vary widely by state and region. If you’re wondering how these rankings work, start here: How J.D. Power auto insurance rankings work.

Financial strength: Progressive carries strong financial strength ratings from major agencies. You can see Progressive’s published ratings (including A.M. Best) here: Progressive ratings.

Complaints and BBB: The Better Business Bureau (BBB) profile for Progressive can provide insight into customer complaints and resolutions, but it’s best viewed as one data point—not the full story. You can view the BBB profile here: Progressive Corporation on BBB.

NAIC complaint data: If you want a regulatory view, check your state’s Department of Insurance and NAIC complaint resources. Complaint ratios can differ by product line, subsidiary, and year.

Pros and Cons of Progressive

How to Get a Quote, File a Claim, or Cancel Progressive

You can buy and manage Progressive auto insurance online, through the mobile app, by phone, or through an independent agent.

• Get a quote: Quote online at Progressive.com or call Progressive to compare coverages and deductibles.
• File a claim: Report a claim through your online account, the Progressive mobile app, or the official claims portal: Progressive claims.
• Cancel a policy: In most cases, you’ll need to contact Progressive or your agent to cancel and choose an effective date. If you paid ahead, you may be eligible for a refund of unused premium—learn more about refunds for unused premiums.

Frequently Asked Questions

Progressive Contact Information

Final Word on Progressive

Progressive is a strong option for drivers who want a streamlined online experience and a wide set of coverage choices. Its Snapshot program, budget-friendly tools, and discount variety make it especially appealing to shoppers who are willing to compare options and adjust deductibles and add-ons.

Because pricing is highly personal—and varies by state—the best way to know if Progressive is the right fit is to compare a quote with at least one or two competitors using the same coverage limits.