Progressive Auto Insurance Review

Last Updated on October 19, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 18, 2026 · How we fact-check

Progressive is one of the biggest names in U.S. auto insurance—and it’s by 2025 direct premiums written it was the second-largest private passenger auto insurer in the country, with $69.0 billion to State Farm’s $69.2 billion in the Insurance Information Institute’s ranking built on NAIC data. Progressive itself now calls itself the nation’s largest auto insurer, citing S&P Global Market Intelligence written-premium data for the first quarter of 2026, so the two are close to a tie. 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, Progressive vs. Allstate, Progressive vs. USAA, Progressive vs. Farmers, Progressive vs. Liberty Mutual, Progressive vs. The General, and Progressive vs. GEICO.

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

• Roadside Assistance Coverage: Optional add-on that can dispatch help for breakdowns like towing, jump-starts, flat tires, lockouts, and fuel delivery (coverage limits and availability vary by state). Learn more about Progressive’s roadside assistance coverage.
• 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. Progressive’s own page says the coverage pays up to 25% of the vehicle’s value (the exact limit varies by state), that you need comprehensive and collision to add it, and that loan/lease payoff is the only version Progressive sells; it does not offer a product called gap insurance.
• 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’s Snapshot page says customers who renewed and earned a Snapshot discount saved an average of $328, and that new customers get an automatic sign-up discount averaging $164, which lasts one policy period and is not offered in New York. Those two averages come from different groups of drivers, so don’t add them together. Snapshot can also raise your rate: Progressive says about 2 out of 10 drivers get an increase, with a footnote excluding North Carolina, Hawaii, New York and Montana. The program is not sold in California.

Snapshot runs through the mobile app or a plug-in device, depending on your state. It scores hard braking and acceleration, driving between midnight and 4 a.m. on weekends, total miles and, in some states with the app, phone use. The personalized rate shows up at renewal, usually after about six months of driving data.

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 subtracts $50 from your collision or comprehensive deductible for each six-month policy period you go without a claim or violation ($100 on a 12-month policy), and the deductible can work its way down to $0. It is an optional coverage that costs extra, requires a deductible of at least $500 to start, and is not sold in Alaska, California, Georgia, Hawaii, New York or North Carolina. Once you use the credit on a claim, the deductible resets to the full amount. It’s similar to a disappearing deductible program.

Progressive also offers multiple “forgiveness” options depending on eligibility and state rules, including Progressive accident forgiveness in three layers. Small Accident Forgiveness keeps your rate the same after a first claim of $500 or less and comes automatically to new customers in most states through Loyalty Rewards. Large Accident Forgiveness takes at least five years with Progressive and up to five consecutive years without an accident or violation. You can also buy additional accident forgiveness when you buy or renew, which can forgive one eligible accident per policy period once the loyalty benefits are used up. Progressive’s page on this, updated October 2, 2025, says the benefits are not available in every state.

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. Progressive’s own page, updated January 25, 2024, says it allows 30 days, with the new car covered at the same level as the car already on your policy in the meantime; terms vary by state and policy type.

Progressive also includes pet injury coverage automatically when you carry collision, paying up to $1,000 toward vet bills if your dog or cat is hurt in a crash in your car, where the coverage is offered.

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. Progressive’s discounts page prints averages for a few of them: 12% for multi-car, 7% for quoting online (not in California, Georgia or New York), 10% for signing online (not in California or Hawaii), a good student discount that starts at 5% (lower in North Carolina, Texas and Washington, not offered in California or Hawaii), and an average of 5% off auto in most states for bundling another policy. Paperless, pay-in-full, automatic payment, continuous insurance, teen driver and distant student carry no published figure and are not offered in California. For the most complete list, see what discounts Progressive offers.

• Safe Driver Discounts: Progressive says drivers with three years of safe driving pay an average of 33% less than its customers with accidents or violations when they buy directly from it, and it lists further discounts after five accident-free and five claim-free years; all 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: Progressive lists its own discount for homeowners even without bundling, though it is not available in all states or situations.
• 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 a market-wide shift—insurance costs rose sharply from 2021 through 2024 on higher repair costs, pricier vehicles and parts, and rising medical expenses. For a benchmark, the NAIC puts the national average expenditure for private passenger auto insurance at $1,431.63 for 2024, across all insurers, and the Bureau of Labor Statistics’ price index for motor vehicle insurance fell 5.0% over the 12 months ending September 2026, so the climb has slowed for now. Neither number is a quote for you. (If your premium jumped at renewal, here are common reasons car insurance rates go up.)

Progressive does publish a savings figure, and it needs reading closely. Its discounts page says drivers who switch and save with Progressive save over $950 on average; the footnote puts the national average 12-month savings at $975 for auto and $1,099 for a home and auto bundle, among new customers surveyed who saved after switching between June 2025 and May 2026. Shoppers who switched and paid more are not in that average, so treat it as a marketing figure and get your own quote.

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’s 2026 U.S. Auto Insurance Study, released June 9, 2026, scores insurers by region on a 1,000-point scale from 52,216 customer responses gathered between April 2025 and April 2026; the industry average was 644. Progressive was not the highest-ranked insurer in any of the 11 regions, so look up your own region’s table to see where it landed. 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: AM Best affirmed the A+ (Superior) financial strength rating of the members of The Progressive Corporation on May 1, 2026, with a stable outlook. That is a group rating covering 40 companies, Progressive Casualty Insurance Company among them, and your policy is written by one of them, so check the company named on your declarations page. Progressive’s own ratings page also lists AA from S&P and Aa from Moody’s, without dates.

Complaints and BBB: The Better Business Bureau profile for The Progressive Corporation showed a B- rating when we checked on October 18, 2026, which BBB ties to 11 complaints the company did not respond to, and Progressive is not BBB accredited. For a company that says it insures more than 37 million drivers, BBB complaints are a small, self-selected sample, so read them as one data point.

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. Using the NAIC’s complaint data for 2023 through 2025, we calculate a private passenger auto complaint index of 0.68 for the 15 Progressive companies that write its personal auto policies, from 3,222 confirmed complaints over the three years, where 1.00 means a company drew exactly its share of complaints for its share of premium and lower is better. Progressive Direct Insurance Company, the biggest writer in the group, comes in at 0.70.

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, in the app, through an independent agent, or by phone at 1-877-777-1783 (Monday to Friday, 8 a.m. to 8 p.m. Eastern), and compare coverages and deductibles line by line.
• File a claim: Report a claim through your online account, the Progressive mobile app, or by calling 1-800-776-4737; the claims page also lets you continue as a guest. Progressive may text you a Photo Estimate invitation to send photos and video of the damage through the app (not available on all claims), and repairs at its network shops are guaranteed for as long as you own or lease the vehicle, though you can use any shop you choose.
• 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.

My advice is to get the Progressive quote twice, once with Snapshot and once without, and look hard at the number without it. Then price the same limits and deductibles with two other companies. If Progressive only wins with Snapshot turned on, be honest with yourself about how you drive at midnight on a Saturday before you count on that discount.

Sources

Checked October 18, 2026

• Progressive — Car Insurance
• Progressive — Car Insurance Discounts
• Progressive — Snapshot
• Progressive — Car Insurance Coverages
• Progressive — Loan/Lease Payoff Coverage
• Progressive — Deductible Savings Bank
• Progressive — What Is Accident Forgiveness?, October 2, 2025
• Progressive — New Car Insurance, January 25, 2024
• Progressive — Name Your Price Tool
• Progressive — Financial Strength Ratings
• Progressive — Contact Us
• Progressive — Car Insurance FAQ
• Progressive — Claims Center
• Progressive — Roadside Assistance
• AM Best — Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries, May 1, 2026
• J.D. Power — 2026 U.S. Auto Insurance Study, June 9, 2026
• Insurance Information Institute — Facts + Statistics: Insurance Company Rankings, 2025 Private Passenger Auto
• National Association of Insurance Commissioners — Consumer Insurance Search, Private Passenger Auto Complaints 2023-2025
• National Association of Insurance Commissioners — 2024 Auto Insurance Database Average Premium Supplement, September 2026
• U.S. Bureau of Labor Statistics — Consumer Price Index, September 2026, Table 2, October 14, 2026
• Better Business Bureau — Progressive Corporation Profile, checked October 18, 2026