Progressive Auto Insurance Review 2025

4.6

Jerry rating

Our Take

Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, customers give Progressive high marks.

Pros

• Ample policy customization options.
• 50-state availability.
• Files SR-22s.
• Many rate-discount opportunities.

Cons

• Low claims satisfaction rating from J.D. power.

Progressive car insurance review

Jerry rates Progressive 4.6 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, customer ratings, financial strength and national complaint data.

Progressive stands out for its many optional policy add-ons, including rideshare insurance, coverage for pets injured in an accident, and payment for lodging and transportation if your car breaks down far from home. The insurer also has more than a dozen ways to help drivers save on premium costs.

Progressive receives good marks from customers and industry reports alike, with a strong AM Best financial profile, relatively few consumer complaints and a good reputation with Jerry customers who bought a Progressive policy. 

Progressive car insurance is available in all 50 states. Consumers can get a policy online, over the phone or through an independent agent.

Who is Progressive best for?

Progressive is a quality insurer that could be an ideal option for drivers in many different situations, including:

• Those with clean driving records who are looking for customizable coverage.
• Drivers who qualify for one or more of the insurer’s many discounts.
• High-risk drivers who need an SR-22 filed on their behalf.

Though Progressive is one of the best-rated insurance companies that Jerry reviews, it’s important to compare coverage from multiple insurers to determine which can offer you the best coverage at the lowest price.

How much does Progressive car insurance cost?

The average cost for state minimum car insurance coverage with Progressive is 18.2% cheaper than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.

Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy and the amount of coverage you require.

Progressive car insurance rates

Here’s a look at Progressive’s car insurance rates quoted for real Jerry customers.

Progressive car insurance discounts

Progressive offers more than a dozen ways to save on premium costs. The insurer offers discounts for:

• Having multiple vehicles on your policy.
• Having multiple Progressive insurance policies.
• Continuous coverage from another insurer.
• Adding a teenager to your policy (to offset the likely increased cost to insure a teen driver).
• Including a full-time student with a B average or better.
• Being a homeowner, even if your home is covered by another insurer.
• Getting a quote and signing policy documents online.
• Going paperless.
• Paying for your full policy up front.

Does Progressive offer insurance based on driving behavior?

Yes. Progressive’s Snapshot program personalizes drivers’ premium costs based on their driving behavior. Drivers can use Snapshot to potentially lower their rate by:

• Not driving between 12 a.m. and 4 a.m on weekends. 
• Not braking hard or accelerating quickly often.
• Driving less.
• Not using your smartphone while driving.

Progressive car insurance coverage options

Like most insurers, Progressive offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

• Coverage definitions

  Coverage	Definition
  Collision	Pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive	Covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Liability for Bodily Injury (BI)	Helps cover medical costs sustained by others in an accident you cause. It’s mandatory in most states.
  Liability for Property Damage (PD)	Helps pay for repairs or replacements of any vehicles or objects you damage. It’s mandatory in most states.
  Personal Injury Protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical Expenses (MedPay)	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states
  Uninsured/Underinsured Motorist (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance or carries insufficient coverage to pay for your costs.

Progressive also provides the following additional coverage options:

• Loan/lease payoff for financed and leased vehicles, which covers the difference between what you owe on the vehicle and what it’s worth if lost or stolen.
• Rental car reimbursement covers the cost of a rental car while your car is worked on.
• Roadside assistance pays for towing and lock-out services, tire changes and fuel delivery.
• Trip interruption provides up to $500 for lodging, transportation and food if your car breaks down far from home. Daily limits apply. 
• Rideshare coverage is required for Progressive policyholders and covers drivers while they are logged in to a ride-hailing or delivery app and waiting for a request.
• Pet injury coverage pays for up to $1,000 in vet bills if your pet is injured in an accident. This is part of Progressive’s collision coverage.

Industry ratings of Progressive car insurance

Progressive does better in some industry reports than others. It stands out for a slightly high consumer compliant index but is financially strong.

• NAIC details

  Progressive has had an average complaint index on its private passenger policies with the National Association of Insurance Commissioners (NAIC) from 2021 to 2023, which means it about the expected number of complaints for a company of its size. Its index isn’t nearly as high as some competitors and has been falling steadily each year, meaning the insurer has been receiving fewer complaints over time.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the governing body for insurance in the United States. It sets standards, analyzes insurer financial filings, maintains reporting and more for insurance companies.

• CRASH Network details

  CRASH Network, an automotive industry trade publication, gives Progressive a C in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States “how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for drivers.”

  Progressive is ranked No. 68 out of 88 insurers rated.

  In 2024, the CRASH Network’s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on the CRASH Network’s website.

• J.D. Power details

  Progressive performed well in J.D. Power’s 2024 Insurance Shopping Study, ranking No. 9 out of 17. However, the insurer performed poorly in J.D. Power’s 2024 Auto Claims Satisfaction Study, ranking No. 20 out of 21 companies.
  

  J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.

• AM Best details

  AM Best gives Progressive a financial strength rating of A+, meaning it has a superior ability to pay out claims.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Progressive auto insurance customer reviews

Thousands of Jerry customers have used and reviewed Allstate’s auto insurance and have given the company a relatively good overall score.

Jerry customer reviews

4.2

6,931 Reviews

Ratings

5 Stars

56%

4 Stars

21%

3 Stars

14%

2 Stars

4%

1 Star

5%

How to contact Progressive

Consumers can reach progressive via online chat, email, phone call or by downloading the insurer’s well-rated mobile app.

To speak with a Progressive customer service representative, call 1-888-671-4405.

Methodology

We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.

These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts