Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Sep 28, 2020

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Progressive OverviewStats
FoundedMarch 10, 1937
Current ExecutivesCEO, President - Tricia Griffith
Claims President - Michael Sieger
Number of Employees10,000+
Current Assets$10+ billion (USD) per year
Headquarters AddressCampus I:
6300 Wilson Mills Road
Mayfield Village, OH 44143
Phone Number1-855-347-3939
Websitehttps://www.progressive.com/
Premiums WrittenTotal Private Passenger Auto: $27 billion
Loss Ratio (2018) 61%
Best ForAuto Insurance
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If you own and drive a car, you’ll have to find and purchase insurance to be able to operate it legally on the road. Car insurance companies have advertised for years about 15-minute phone calls, mayhem, and being in good hands, but when it comes down to it, most of us want to know what the bottom line is.

Just give us the facts, please, in plain English.

Flo has been translating insurance into plain English for Progressive for over 11 years. Do you pay attention to Flo and Jamie? Have you considered Progressive because of their funny commercials? Or are you more interested in the bottom line?

Car insurance is something most of us need, and we want to make sure that you’re not spending too much. Saving money is a language we all want to know more about. In this guide, we’re going to show you everything you need to know about Progressive, including ratings, company history, coverage options, and more.

Would you like to start comparison shopping today? Take advantage of our FREE online tool to start comparing rates in your area.

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Table of Contents

Cheap Car Insurance Rates

We partnered with Quadrant Data to bring you this information. Here are two things to consider when shopping for car insurance:

  1. Many variables can affect what you pay. Your rate may differ from what is listed below.
  2. Progressive has discounts and options that may help offset the cost.

Progressive Availability and Rates by State

Progressive is available in almost every state.

Progressive’s rates vary, sometimes below and sometimes above average, and can be further affected by factors like driving record and credit history.

In the table below, you can see the rates of Progressive in all states compared to other leading insurers.

StateAnnual PremiumHigher/Lower than State AveragePercentage Change from State Average (+/-)
Alabama$3,062.85-$358.66-10.48%
Alaska$4,450.52$883.5624.77%
Arizona$5,312.09$1,187.1128.78%
Arkansas$3,577.50-$193.47-5.13%
California$2,849.67-$839.26-22.75%
Colorado$4,231.92$355.539.17%
Connecticut$4,920.35$301.436.53%
Delaware$4,970.26$531.0211.96%
District of Columbia$4,181.83-$1,804.49-30.14%
Florida$5,583.30$902.8419.29%
Georgia$4,499.22-$467.61-9.41%
Hawaii$2,177.93-$377.71-14.78%
Idaho$2,395.50-$585.78-19.65%
IllinoisN/AN/AN/A
Indiana$3,536.65$231.176.99%
Iowa$3,898.00$483.0314.14%
Kansas$4,144.38$864.7626.37%
Kentucky$5,547.63$352.236.78%
Louisiana$7,471.10$1,759.7630.81%
Maine$3,643.59$690.3223.37%
Maryland$4,094.86-$487.84-10.65%
Massachusetts$3,835.11$1,156.2643.16%
Michigan$5,364.55-$5,134.09-48.90%
MinnesotaN/AN/AN/A
Mississippi$3,419.14$90.212.71%
Missouri$4,308.85$644.2817.58%
Montana$4,330.76$1,109.9234.46%
Nebraska$2,382.61-$1,010.50-29.78%
Nevada$3,623.06-$542.78-13.03%
New Hampshire$3,758.01$474.3314.44%
New Jersey$2,694.45-$457.32-14.51%
New Mexico$3,972.72-$1,542.49-27.97%
New York$3,119.18-$344.46-9.94%
North Carolina$4,062.57-$799.13-16.44%
North Dakota$3,771.15-$518.73-12.09%
Ohio$3,436.96$727.2526.84%
Oklahoma$4,832.35$690.0316.66%
Oregon$3,629.13$161.364.65%
Pennsylvania$4,451.00$416.5110.32%
Rhode Island$5,231.09$227.734.55%
South Carolina$4,573.08$791.9420.94%
South Dakota$3,752.81-$229.46-5.76%
Tennessee$3,656.91-$3.98-0.11%
Texas$4,664.69$621.4115.37%
Utah$3,830.10$218.216.04%
Vermont$2,498.58$140.715.97%
Virginia$5,217.14$1,983.0161.32%
Washington$3,209.52$150.204.91%
West VirginiaN/AN/AN/A
Wisconsin$3,128.91-$477.15-13.23%
Wyoming$4,401.17$1,201.0937.53%
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In most states, Progressive rates are lower than the state average. For example, rates in Massachusetts, Nebraska, and Louisiana are thousands less than the state average.

Additional Resources:

Comparing the Top 10 Companies by Market Share

Saving money is always a great thing, and one way to do that is to shop around and get the best rates for you and your family. Here’s a look at Progressive compared to nine other top companies on a state-by-state basis.

StateAverage by StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,421.51$3,145.31$4,153.07NA in State$2,879.96$5,295.55NA in State$3,062.85$2,228.12NA in State$2,454.21
Alabama$3,566.96$3,311.52NA in State$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03NA in State$4,257.87$3,484.63NA in State$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10NA in State$5,000.08$2,264.71NA in State$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96NA in State$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77NA in State$3,338.87
Connecticut$4,618.92$5,831.60NA in StateNA in State$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92NA in StateNA in State$3,692.81NA in State$4,848.98$4,970.26$4,074.05NA in State$2,580.44
Delaware$5,986.32$6,316.06NA in StateNA in State$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46NA in StateNA in State$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67NA in State$2,850.41
Georgia$4,966.83$4,210.70NA in StateNA in State$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88NA in State$3,157.46
Hawaii$2,555.64$2,173.49NA in State$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28NA in State$1,189.35
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19NA in State$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35NA in State$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92NA in StateNA in State$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79NA in StateNA in State$6,154.60NA in StateNA in State$7,471.10$4,579.12NA in State$4,353.12
Maine$2,953.28$3,675.59NA in State$2,770.15$2,823.05$4,331.39NA in State$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17NA in StateNA in State$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87NA in State$2,744.14
Massachusetts$2,678.85$2,708.53NA in StateNA in State$1,510.17$4,339.35NA in State$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59NA in State$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49NA in State$2,066.99NA in State$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91NA in State$2,525.78
Mississippi$3,664.57$4,942.11NA in StateNA in State$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10NA in State$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74NA in State$2,031.89
North Carolina$3,393.11$7,190.43NA in StateNA in State$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66NA in State
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53NA in State$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71NA in State$2,330.78
New Hampshire$3,151.77$2,725.01NA in StateNA in State$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46NA in State$1,906.96
New Jersey$5,515.21$5,713.58NA in State$7,617.00$2,754.94$6,766.62NA in State$3,972.72$7,527.16$4,254.49NA in State
New Mexico$3,463.64$4,200.65NA in State$4,315.53$4,458.30NA in State$3,514.38$3,119.18$2,340.66NA in State$2,296.77
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,289.88$4,740.97NA in StateNA in State$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62NA in State$4,142.40$3,437.34$6,874.62NA in State$4,832.35$2,816.80NA in State$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12NA in StateNA in State$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45NA in StateNA in State$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43NA in State$4,691.85$3,178.01NA in State$3,625.49$4,573.08$3,071.34NA in State$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23NA in StateNA in State
Tennessee$3,660.89$4,828.85NA in State$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72NA in State$3,263.28NA in State$3,867.55$4,664.69$2,879.94NA in State$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83NA in State$2,491.10
Virginia$2,357.87$3,386.80NA in StateNA in State$2,061.53NA in State$2,073.00$2,498.58$2,268.95NA in State$1,858.38
Vermont$3,234.13$3,190.38NA in StateNA in State$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84NA in State$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78NA in State$2,262.16
West Virginia$2,595.36$3,820.68NA in StateNA in State$2,120.80$2,924.39NA in StateNA in State$2,126.32NA in State$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53NA in State$2,975.74
Wyoming$3,200.08$4,373.93NA in State$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55NA in State$2,779.53
Median$3,660.89$4,532.96$3,698.77$3,907.99$3,073.66$5,295.55$3,187.20$3,935.36$2,731.48$3,729.32$2,489.49
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Progressive doesn’t have the lowest rates in some states. However, they are not the most expensive, either. Based on your personal information, you may be able to take advantage of several discounts, which we’ll review later in this guide.

Average Progressive Male vs. Female Car Insurance Rates

Who pays the most for car insurance? It may surprise you to know that some states allow gender to be used when determining insurance rates. However, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, California, and parts of Michigan have banned this practice and no longer allow companies to use gender as a factor.

Progressive Demographic Rates 
Married 60-year-old female$1,991.49
Married 60-year-old male$2,048.63
Married 35-year-old female$2,296.90
Married 35-year-old male$2,175.27
Single 25-year-old female$2,697.73
Single 25-year-old male$2,758.66
Single 17-year-old female$8,689.95
Single 17-year-old male$9,625.49
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Age certainly has its benefits, as mature drivers enjoy the least expensive car insurance rates.

Conversely, male teen drivers, no matter their location, have the most expensive rates in the industry.

Average Progressive Rates by Make and Model

Considering a new car? One thing to consider before purchasing is that the kind of car you drive has a significant impact on your insurance premiums. In the table below, we show rates for five specific vehicles. See how your rates compare.

Make and ModelProgressive
2015 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$3,914.05
2015 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$4,429.56
2015 Toyota RAV4
XLE
$3,647.22
2018 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$3,962.58
2018 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$4,528.90
2018 Toyota RAV4
XLE
$3,730.78
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It’s good news if you drive a Toyota RAV4 because they enjoy the least expensive rates. One surprising fact is the Honda Civic is one of the most expensive cars to drive. That’s because the Honda Civic is one of the most stolen vehicles in the country.

Average Progressive Commute Rates

How far you drive also impacts your car insurance rates. In the table below, we show data from Progressive for two commutes based on distance.

Company10-Mile Commute / 6,000 Annual Miles 25-Mile Commute / 12,000 Annual Miles
Progressive $4,030.02 $4,041.01
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Some companies charge hundreds more for a longer commute. The good news for Progressive customers is that only $11 separates the two commutes.

Average Progressive Coverage Level Rates

You might think that having the lowest minimum coverage in your state is the best way to ensure that you and your family are protected. But that’s not necessarily the case. Sometimes the difference in low to high coverage is less than you think. Check out how the table below to see coverage level rates from Progressive.

CompanyLowMediumHigh
Progressive average rate$3,737.13$4,018.46$4,350.96
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If you drive a more expensive car, you may want more coverage. The good news is that there is only a $600 difference in price from low to high coverage.

Average Progressive Credit History Rates

Having bad credit can affect you in more ways than not being able to secure a car loan or rent an apartment. Poor credit can also have an impact on how much you pay for car insurance. The table below reflects what you’ll pay for car insurance based on your credit score.

CompanyGoodFairPoor
Progressive Average Rate$3,628.85$3,956.31$4,737.64
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The average credit score in the United States is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars. On average, with Progressive, poor credit can raise your rates by $1,100.

Average Progressive Driving Record Rates

If you get a speeding ticket, have an accident, or get a DUI, your rates with Progressive will increase in most states. The table below shows rates with these three violations compared to the rate for a clean record.

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Progressive average rate$3,393.09$4,002.28$4,777.04$3,969.65
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One speeding violation can raise your rates by over $600. Our best advice is to obey posted speed limit signs and never drink and drive.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Coverages Offered

Progressive offers the same coverage as all the other companies do and, in some cases, at a competitive rate. Let’s take a look at standard insurance terms and go into detail about what they mean.

Progressive talks a lot about bundling, which is combining more than one insurance product such as home and auto, renter’s insurance and motorcycle coverage, and other such insurance options.

Types of Coverages Offered

Progressive offers a wide range of insurance products. In the chart below, check out the different options available from Progressive.

CoveragePurposeExample of Coverage Use
Bodily injury liabilityThis coverage pays for another driver's medical bills/loss of income in an accident you caused.You glance down to check the GPS instructions and rear-end another car, injuring the driver.
Classic carCovers classic cars for less than regular auto insurance policies.Vintage cars used just for pleasure — driving around on a sunny day.
CollisionPays for repairs to your vehicle in accidents with another vehicle or object.You hydroplane and crash into a tree.
CommercialCovers vehicles used for business.You own a flower shop and have a delivery van used for your business.
ComprehensivePays for repairs in accidents not caused by another vehicle. These accidents include theft, natural disasters and animal collisions.Your car is parked outside when heavy winds knock a tree onto your car.
Gap coveragePays the difference between your vehicle's actual value and what you still owe on your loan/lease.You total your car. Your car is worth $10,000, but you still owe $15,000 on your car loan.
Medical paymentsPays for your and your passenger's medical costs in an accident.An accident gave you a mild concussion, and you need to be treated at a hospital.
Personal injury protectionPays for your medical bills and other accident costs (such as lost income).Your concussion from an accident leaves you unable to work for a month, resulting in medical bills and lost income.
Property damage liabilityPays for damages to another person's vehicle/property in an accident you caused.You accidentally scrape another person's car pulling into a tight parking spot.
Rental reimbursementProvides access to a rental car if your car is in shop after a covered accident.Your car will be in the repair shop for at least a few days, so you need another vehicle to get around.
RideshareCovers rideshare drivers.You want to work for Uber or Lyft as a rideshare driver.
UmbrellaProvides extra liability coverage.You were in an accident the other parties are suing you.
Underinsured motoristHelps you if you are in an accident with an underinsured motorist.A driver hits you, but has such poor insurance that the driver can't cover your medical and property damage bills.
Uninsured motoristHelps in hit-and-run accidents or an accident with an uninsured motorist.You come out of the store and someone has run into your car before fleeing the scene.
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Whatever your option needs are, there’s a good chance Progressive offers it.

Factors That Affect Your Rate

As mentioned in the sections above, many factors go into determining your rates with an insurance company. Our best advice is to shop around and take the information provided in this guide to make an informed decision that meets your lifestyle, budget, and insurance needs.

Progressive’s Discounts

Progressive has numerous affordability options and discounts available to its consumers. Depending on the discount, you could save up to 40 percent. One thing to remember is these discounts aren’t available in all areas and may not apply to you.

Discount NameAverage DiscountDetails
Multi-policy5%If you have two or more policies with Progressive (for example: if you were to have an auto and home-owners policy with Progressive)
Snapshot program$130Their Snapshot program that personalizes your rate based on your driving.
Safe driver31%If you have no accidents/traffic violations in the past three years
Multi-car10%If you have more than one vehicle listed on your policy
Homeownernearly 10%If you own a home (even if it is not insured through Progressive's network)
Sign onlinenearly 8%If you sign your documents online
Online quote7%If you got your policy quote online (or if you start your quote online and a licensed Progressive representative finishes it for you over the phone
PaperlessVariesIf you opt to receive your documents via email (dependent on signing your documents online and is an addition to the sign online discount)
Continuous insuranceVariesIf you switch to Progressive from another insurer, you won't lose any longevity benefits (discount value will depend on how long you've been consistently insured with no gaps or cancellations)
Teen driverVariesIf you're adding a teen driver to your policy
Good studentVariesIf you have a student who maintains a "B" average or better (discount also applies to college students, students more than 100 miles from your residence, or is 22 years or younger)
Pay in fullVariesIf you pay for your six month policy up front
Automatic paymentVariesIf you set up automatic payments from a checking account to pay (you cannot combine the automatic payment and pay in full discounts)
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From the table, you can see that the more policies you purchase, the lower your rates will be.

Progressive’s Programs

What else does Progressive offer customers? Check out the programs below to see if they may be beneficial to you.

  • Car buying service — Progressive has partnered with TruCar to help customers shop for cars.
  • Accident forgiveness — Progressive offers accident forgiveness to customers, which means rates won’t go up for a customer’s first accident.
  • Custom parts and equipment value — This covers anything not installed by the original manufacturer, such as a new stereo.
  • Roadside assistance — Helps customers with flat tires, lock-outs, gas refueling, and towing.
  • Usage-based insurance — Progressive’s Snapshot app measures how well customers drive and adjust rates accordingly.

Another program from Progressive is the PerkShare program, which offers discounts and exclusive savings at select venues. Here are just a few of the options.

  • Save on Marathon Fuel gift cards
  • Get a special discount at Enterprise car rental
  • Get discounts on an oil change at NTB
  • Get a 20 percent discount on rentals at National Car Rental
  • Along with everyday low prices, you get an extra discount at Alamo car rental
  • Enjoy a 10 percent discount at Enterprise truck rental

Let’s review what we’ve learned so far by looking at what stands out about Progressive’s offerings and what’s missing.

  • What Stands Out — Progressive has more discounts than other providers do. It also offers a variety of add-on coverages and programs that go beyond the basics.
  • What’s Missing — Progressive doesn’t have a military discount, which is standard with most companies. It’s also more expensive than the other top four insurance companies. Also, customers gave mixed reviews for customer satisfaction and unresolved complaints.

Progressive Financial Ratings

All companies advertise how much better they are than the competition. But let’s see what multiple independent agencies say about Progressive and if it’s the right company for your insurance needs. Comparing the pros and cons is an important factor in determining which auto insurance company is bestfor you.

AgencyRating
A.M. BestA+ (Superior)
Better Business Bureau (Northbrook, IL)A- (Very Good)
Moody'sA2 (Good)
S&PAA (Very Strong)
NAIC Complaint Index Ratio0.0012 (2018)
J.D. PowerAbout Average
Consumer Reports87 out of 100
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Let’s dig deeper into each of these ratings and examine what they mean to you as a customer.

A.M. Best

An A.M. Best rating measures the financial stability of a company, with A++ being the highest rating possible. Progressive has an impressive A+ rating, which means the company has a stable financial future.

Moody’s

Moody’s rating looks at how well a company can pay off its debts (its creditworthiness). Progressive’s A2 rating falls into the P-2 category, meaning the company has a “strong ability to repay debts and has a predictable, stable future.”

This is an excellent score because the last thing a customer needs is to try and file a claim and find the company has filed for bankruptcy.

Better Business Bureau

This rating looks at multiple aspects of a business, although the most critical element is the company’s complaint history. A complaint history shows how satisfied customers are with the service they receive.

Since A+ is the highest rating the BBB gives, the Better Business Bureau views Progressive’s B- as better than most, but it needs improvement.

S&P Rating

What does a rating from Standard & Poor’s mean? This video explains more.

S&P’s rating of Progressive is good, though the best grade is AAA. Their AA rating means that Progressive has a strong capacity to meet financial commitments. It differs from the highest-rated companies by only a small degree.

NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) measures the number of complaints a company receives. In 2018, the company’s complaint ratio was 0.0012, well below the national average of 1.51. One thing to consider is that your experience may be better or worse than these ratings based on your insurance needs.

Private Passenger Policies201620172018
Total complaints323534
Complaint index
(Better or worse than national index)
0.0011 (better)0.0000 (better)0.0012 (better)
National Complaint Index
1.471.531.51
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You can see from the table that complaints about Progressive were stable over the three years from 2016-2018.

J.D. Power

Another rating to look at when researching an insurance company is customer satisfaction levels. J.D. Power rates companies solely on customer satisfaction levels. Progressive received scores of 797 –  828 throughout the country in providing a satisfying purchase experience, ranking it ninth among auto insurers.

Consumer Reports

Consumer Reports is a non-profit and independent organization that’s working to bring transparency into the marketplace for consumers. The company works to help consumers with purchase decisions, drive fair competition, and improve the products that companies offer.

Claims HandlingScore
Ease of reaching an agentVery Good
Simplicity of the processVery Good
Promptness of response - very goodVery Good
Damage amountVery Good
Agent courtesyVery Good
Timely paymentExcellent
Freedom to select repair shopVery Good
Being kept informed of claim statusVery Good
Total87
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Progressive scores well in many of the above categories, making them a favorite of customers.

Company History

Progressive was founded in Cleveland, Ohio, in 1937, and from the beginning, it has taken an innovative approach to car insurance. The company was the first car insurance provider to allow drive-in claims service, and also the first to enable customers to pay in installments instead of yearly.

Progressive has grown substantially over the past 75 years and has established itself as the third-largest insurer in the United States behind State Farm and Geico. In the 1990s, the company became the first car insurance company to develop a company website on the Internet.

But many factors make up a company, including how it treats its customers, how it works within the community, and whether it’s financially reliable enough to weather volatile economic situations.

Why should you care about the history of Progressive? Because looking at a company’s history provides essential data about how successful the company is and what its future looks like.

In the following sections, we’re going to dig into everything from Progressive’s market share to its awards and accolades.

Progressive’s Market Share

The market share of a car insurance company determines how strong the company has become in the industry. A higher market share also means that a provider is the preferred choice of consumers.

Let’s review how Progressive has grown over the years.

YearDirect Premiums WrittenLoss RatioMarket Share Percent
2015$17,518,72164%8.77
2016$19,611,98166%9.15
2017$22,776,34963%9.84
2018$27,058,76862%10.97
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It may be the advertising, or it could be customer satisfaction because Progressive has seen continuous growth over the last four years, increasing its market share by over two percentage points.

Progressive’s Position for the Future

Have you wondered what’s next for Progressive? Here’s an interview with CEO Trici Griffin, who explains.

Next, we’re going to discuss Progressive’s online presence and learn more about its commercials.

Progressive’s Online Presence

Progressive has several options if you want to access information or get in touch with someone about your car insurance policy.

  • Online – You can find quotes and more online at the Progressive website.
  • Agents – You can talk to agents by texting, calling, or emailing.
  • Apps – Progressive offers a mobile app through which you can access your policy information and contact agents.

Progressive’s Commercials

Car insurance companies do whatever it takes to grab your attention through emotional bonding, humor, and what-if scenarios. Progressive is no exception.

In 2008, the company launched a new campaign featuring a character called Flo, played by actress Stephanie Courtney, who has changed the way we view car insurance.

Check out this video to learn more about the woman behind the famous character.

In recent years, additions have been added to the Progressive lineup.

Check out this commercial about Jamie, Flo’s assistant.

https://youtu.be/ISmVGMta-7I

Other recent television commercials feature Cleveland Browns quarterback Buster Mayfield and a half-bike, half-man character called Motaur.

While the lack of a catchphrase may make Progressive stick less in people’s minds, Progressive has done an incredible job of promoting its brand by developing commercials that people can relate to when searching for car insurance.

Progressive in the Community

Community outreach shows that a company cares, and Progressive has developed several programs in which the company and its employees can give back to the community.

  • The Progressive Insurance Foundation — Progressive matches employees’ donations to eligible charities.
  • Volunteer Website — Progressive has an internal website where employees can search and find volunteer opportunities.
  • STEM Progress Program — Progressive has a program where employees visit schools and help teach skills using insurance concepts.

Another program that benefits communities is the Keys To Progress Program that helps veterans. This video explains more:

Progressive also makes corporate decisions to be more socially responsible in maintaining a sustainable environment, helping others, and ensuring a better future.

Progressive’s Employees

Have you wondered what it’s like working for a big insurance company? Let’s look at what employees think of Progressive.

How a company treats its employees gives us insight into the company’s values and employee satisfaction levels.

Let’s begin by looking at employees’ experience ratings according to Great Place to Work.

StatementEmployee Percentage in Agreement
When you join the company, you are made to feel welcome.97%
Management is honest and ethical in business practices.93%
I am given the resources and equipment to do my job.93%
I am proud to tell others I work here.93%
People here are given a lot of responsibility.92%
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At Progressive, 92 percent of the company’s employees say that it’s a great place to work. Watch this video to learn more about the employees at Progressive.

We also checked employee reviews on Glassdoor to know about what they think of Progressive.

  • In about 2,500 employee reviews, Progressive was rated 3.8 out of 5, with most of the reviews highlighting the great experience people have had working at the company.
  • Almost 73 percent of the reviewers would recommend working at Progressive to their friends.
  • Around 92 percent approve of the company’s current CEO.

Positive reviews about Progressive reflect a great work environment, great people, and excellent benefits. Some dissatisfied reviews say factors such as long hours, little work/life balance, and the difficulty of working in Progressive’s call center.

The company has won numerous awards over the years for diversity, humanitarianism, and working women. In 2019, Fortune named Progressive as one of the 100 best companies to work for in the United States.

The company has a long history of valuing diversity and inclusion and continues to operate on those principles.

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Canceling Your Policy

At some time, you may need to change or cancel your insurance policy with Progressive. Here are four examples which may apply to you:

  • Selling a car and not replacing it
  • Storing a classic or antique vehicle
  • A teen is heading to college and will no longer be driving the vehicle
  • A vehicle has been paid off and no longer requires comprehensive coverage

But what if you want to cancel your policy for other reasons such as customer dissatisfaction, rates that are too high, or you’re moving geographic locations? In this next section, we’re going to show you the steps involved with canceling an insurance policy with Progressive.

How to Cancel

You’ll need to pick up the phone and call 1 (800) 776-4737 or contact your local agent if you want to cancel your policy. Progressive’s website does allow you to modify or change some policies but doesn’t allow you to cancel a policy.

The same thing applies to the Progressive app. You can modify or manage your account, but you’ll need to speak with your agent to cancel a policy.

Additionally, if you’re switching providers because of personal reasons and will still need to have coverage, make sure you’ve decided on another company. If you don’t take this step, you may have a lapse in coverage, which can result in fines from the state and higher rates from prospective insurers.

When can I cancel?

You can cancel at any time. However, canceling before a renewal cycle may result in a cancellation fee. The cancellation will go into effect at midnight the following day after your policy expires or whatever day you have chosen to end the policy.

How to Make a Claim

No matter how hard you try, at some point, you may have to file a claim due to an accident, whether you’re at fault or not. In times of stress, you need a company that is fast and reliable to help you through the process.

In the next section, we’re going to discuss everything from how the claims process works to how many claims were paid out.

Let’s get started.

Ease of Making a Claim

Perhaps you’ve seen them around town, at disaster sites, or parked at home, Progressive mobile agents come to you to help you through the claims process.

This video explains more:

Besides working directly with your agent, there are other ways to file a claim with Progressive.

  • Online — You can file a claim online at Progressive’s website. You’ll need to have your policy number, contact information, and accident/incident information.
  • Mobile App — If you have Progressive’s mobile app, you can use it to file a claim.
  • Phone — You can call 1 (800) 776-4737 at any time (it’s available 24/7, seven days a week).

But how does Progressive payout claims to its customers?

Premiums Written

How do premiums written relate to claims? The answer to that question is, the higher the number of premiums written, the less customers have to pay. A company with lower written premiums will have to charge policyholders more to cover the cost of accident claims.

Let’s take a look at the NAIC’s data on Progressive’s written premiums.

2015201620172018
$16.56 billion$19.63 billion$22.78 billion$27.05 billion

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The company has nearly doubled its premiums written in the period, which is great news for customers because it keeps rates low.

Loss Ratio

What exactly is a loss ratio?

A loss ratio calculates the number of written premiums compared to the number of claims. A company with a 65 percent loss ratio is paying $65 on claims for every $100 earned from written premiums.

A high loss ratio may seem reasonable, but anything over 100 percent means a company is risking bankruptcy. Conversely, a low loss ratio means a company isn’t paying out a good number of claims.

Let’s look at Progressive’s loss ratios to see how many claims the company pays out.

2015201620172018
64.23%66.74%63.32%62%

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The loss ratio dipped in 2017 but increased again in 2018. However, it is still above 60 percent, which is considered a good loss ratio

How to Get a Quote Online

Ready to get a quote? In the next section, we show you the steps needed to get an online quote from Progressive.

Step One: Visit Progressive’s website

There are many options on the auto insurance quote page of Progressive’s website. Select the product for which you need coverage, find bundling options, continue a previous quote, or find an agent near you.

Progressive insurance quote select type

Step Two: Basic Information

Once you select a product and enter your ZIP code, you’ll be asked to enter basic information about yourself.

Progressive insurance quote personal information

You’ll be asked for your name, address, and date of birth.

Step Three: Vehicle Information

Next, you’ll enter information for every vehicle you want to insure. You’ll be prompted to enter the year, make, and model of each car. You can also enter your car’s VIN and have the information generated for you.

Progressive auto insurance quote auto information

You’ll also be asked about the use of your car, as this helps calculate commute distance rates.

Step Four: Driver Information

One of the last pieces of information you will provide is driver history.

Progressive auto insurance quote driving history

Here, you’ll provide driver information that gives Progressive an overview of your driver profile and history. You’ll also need to fill out basic details, such as your gender, prior license revocations, and primary residence.

Step Five: Final Details

Finally, Progressive will ask for a few details about your insurance history.

Progressive auto insurance quote insurance history

If you’re unsure if you want to continue with your application, you can always click the “Save & Return Later”  when it’s more convenient for you.

Step Six: Get Your Quote

Once you’re done filling out the information, you’ll immediately be given a quote.

Progressive auto insurance quote options

While Progressive gives you the option to purchase a plan immediately, you’re not obligated to buy a policy at the end of the quote.

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Design of Website and App

While other car insurance company websites and apps may be difficult to navigate, Progressive’s is uncluttered and easy to use. On the website, it is easy to find whatever information you’re searching for. Just click from any of the categories on the drop-down menu and go.

Progressive insurance home page

At the top of the page, you’ll see tabs that drop down into menus with more choices. The Explore Products tab gives a full breakdown of what the company offers and leads you to more information.

Progressive insurance quote site map

If you can’t find what you’re searching for in the drop-down menus, scrolling down to the bottom of Progressive’s webpage will show you a search bar.

Progressive insurance navigation

Let’s move on and check out the app from Progressive.

Progressive insurance mobile apps

The app received 3.4 stars out of five (based on 1,600+ ratings). Complaints about the app include the following.

  • Can’t use debit cards for autopay
  • Trouble signing in with passwords

So, what can you do with the app?

  • View your coverages, discounts, ID cards, documents, and policy details
  • Report a claim and add pictures
  • Pay bills and view billing history
  • See Snapshot progress
  • Get a quote or make a policy change
  • Request roadside assistance
  • Contact your agent

One key component missing from the app is the inability to check the status of your claim.

Pros and Cons

Now that we have covered everything you need to know about Progressive, let’s check out the biggest takeaways in terms of pros and cons.

ProsCons
24/7/365 supportHigh rates for poor driving history
Numerous discounts to help drivers offset cost of insuranceHigh rates for poor credit history
Comparable rates despite commute distance in most statesAccident forgiveness program is a separate cost
Customer Satisfaction ratings higher than other insurersRates higher than state average in several states
Loss ratio is stableMobile app ratings spotty based on customer experience
One of the only insurers who offers pet protectionFinancial strength ratings not as high as other insurers
"Name Your Price" option to cater your budget to the policy you can actually affordNot as many discounts as other competitors
Snapshot program to personalize your rate your YOUR drivingSupplemental coverage options harder to find
Reputation of helping high-risk driversTeen driver rates higher than other insurers
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Rates from Progressive are higher than the norm, but with discount options readily available, there are ways to save money.

The Bottom Line

Knowledge is power, and that’s why we’ve shown you everything you need to know about Progressive so you can decide for yourself whether they’re the right insurance company for you. Did we miss anything? What did you find most useful?

Progressive pushes bundling as a way to save on your insurance costs. But don’t focus too much on that bundle that you end up paying too much for car insurance. One thing to consider is that everyone’s needs are different, and rates can vary significantly based on individual factors.

As comprehensive as this guide is, your rates will vary and depend on the information you provide.

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Progressive Insurance FAQs

Have further questions about Progressive? We’ve answered a few common questions about the company below.

What is accident forgiveness at Progressive?

There are two types of accident forgiveness at Progressive.

  1. Small accident forgiveness is a program that won’t raise your premiums if the total claim amount is less than $500.
  2. Large accident forgiveness ensures your premiums won’t increase after an accident regardless of cost; however, to qualify, you must be accident-free for three years, and a Progressive customer for five years.

Can I buy a Progressive policy online?

Progressive offers the option to buy a policy online. Simply complete the required forms and choose the option to purchase at the end of Progressive’s free quote form.

Will Progressive’s Snapshot App increase my rates?

There is a possibility it can raise premiums. If the app shows you to be a high-risk driver, the company can raise your premiums. Progressive reports only two out of every 10 drivers will see rates increase, but if you’re unsure of your driving skills, don’t get the app.

Can I cancel the Snapshot App?

It is possible to cancel the Snapshot App if your premiums are going up. You may cancel at any time, but in some states, a surcharge may apply if cancellation is within 45 days of getting the app.

What if I miss a Progressive payment?

While most of us pay our bills on time, occasions may arise when a payment is late or missed. The good news is that Progressive offers a short grace period. Depending on where you live, you’ll have 10-20 days after a missed payment before Progressive cancels your policy.

Are you worried about forgetting a payment? Progressive offers autopayment for its customers.

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