Pros
- Competitive pricing, including for higher-risk drivers
- Strong digital tools and telematics options
- Lots of coverages and add-ons to customize
Cons
- Customer-service reviews are uneven
- Home policies are often through third parties, not Progressive itself
- Snapshot can raise rates for some driving habits, not just lower them
What Progressive is known for
Progressive leans digital. Its Name Your Price tool lets you start from a budget and see policies that fit, and its Snapshot program can reward safe, low-mileage driving with a lower rate. It also offers an unusually broad menu of coverages and add-ons, which makes it flexible for people who like to customize.
Coverage options
- Standard auto: liability, collision, comprehensive, uninsured/underinsured motorist
- Add-ons like roadside assistance, rental reimbursement, gap coverage, and custom-parts coverage
- Home, condo, and renters insurance (often written through partner carriers)
- Bundling across auto, home, and other lines for a multi-policy discount
Discounts
- Snapshot usage-based and safe-driver discounts
- Multi-policy and multi-car discounts
- Continuous-insurance and homeowner discounts
- Online quote, paperless, and pay-in-full discounts
- Good-student and distant-student discounts
Customer service and claims
Progressive offers 24/7 claims, a well-reviewed mobile app, and online self-service. Customer-satisfaction reviews are mixed — some drivers love the convenience and pricing, while others report a less personal experience than they would get from a local agent. As with any insurer, your rate can rise after an at-fault claim.
Is Progressive right for you?
Progressive is a strong option if you are comfortable managing your policy online, want to customize coverage, or have a few marks on your record and need competitive pricing. The best way to know is to compare its quote against a few others for the exact coverage you want.
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Get my quotesThis review is for general education only and is not insurance advice or an endorsement. Coverage, rates, discounts, and availability vary by state and applicant. Company names and features are described for comparison; Wise Choice Rate is an insurance comparison marketplace, not affiliated with the insurers listed.