Progressive insurance review 2024
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At a glance
Score breakdown
Auto
4.4
Cost & ratings
4.2
Coverage
5.0
Support
4.3
Home
4.0
Cost & ratings
4.0
Coverage
3.7
Support
4.3
About Bankrate Score
Bankrate's take
Policyholders who value digital capabilities, want a company that can follow them throughout the country or need high-risk insurance might consider Progressive as their company of choice.
- Broad range of nationwide coverage including custom add-ons like rideshare coverage
- SR-22 filing options and affordable auto policies for some high-risk drivers
- Mixed customer service ratings from third-party experts and real customers
- Strong suite of digital policy management tools, including Snapshot usage-based insurance tools
- Weaker home and life insurance offerings compared to competitors
New
- Auto insurance is still available in all states. However, due to inflation and increased risk, Progressive has slowed down advertising in several states like Texas, New York, California and others.
- Home insurance is available in all states, but Progressive began nonrenewing some homeowners policies in Florida in late 2023.
- At the start of 2022, Progressive changed its underwriting requirements for shingle roofs in Florida. Now, all roofs must be under 16 years old to maintain or acquire coverage.
- As of January 2023, Progressive stopped offering coverage for some Kia and Hyundai vehicles due to a substantial increase in theft. Policyholders who already have insurance on the models of concern are able to keep their coverage.
Progressive car insurance review
In recognition of Progressive’s high financial strength ratings, numerous discounts and customizable policy options, we assigned Progressive’s auto insurance a Bankrate Score of 4.4 out of 5. Progressive especially shines in the high-risk auto insurance arena as one of the cheapest car insurance companies for many drivers with poor driving records.
Customers can find standard coverage options like liability insurance, full coverage and personal injury protection through Progressive, but policy customization offers optional policy endorsements like custom parts and equipment (CPE) coverage for modified cars, loan/lease payoff (similar to gap coverage) and ridesharing insurance. Coverage options vary by location, so it’s a good idea to speak to an agent about the availability of each coverage type in your circumstances.
Pros and cons of Progressive car insurance
Every car insurance company has strengths and weaknesses. When shopping for car insurance, it’s important to do more than just compare auto insurance quotes — a broader view of a company’s advantages and disadvantages can put your quotes in context and help you determine whether Progressive is the right fit for you.
Here are some pros and cons of Progressive auto insurance:
Pros
- Strong suite of digital tools offering discounts for many drivers
- Robust policy customization options
- SR-22 filing with competitive rates for high-risk drivers
- Above-average J.D. Power customer satisfaction index for usage-based insurance
Cons
- Below-average auto claims satisfaction score from J.D. Power
- Below-average J.D. Power overall auto customer satisfaction index in all regions
- Rates may differ between online and agent quotes
Progressive car insurance cost
Car insurance from Progressive costs an average of $2,418 per year for a full coverage policy and $706 per year for a minimum coverage policy, according to November 2024 data from Quadrant Information Services. That’s fairly affordable compared to the national average cost of car insurance, which is $2,458 per year for full coverage and $678 per year for minimum coverage policies.
Keep in mind, though, that Progressive is one of the nation’s largest insurers and sells auto insurance through a variety of distributors. Depending on how you get your auto insurance quotes, your rates may differ. Below, we’ll compare Progressive’s average rates to the national average for a range of driver profiles, from young drivers to individuals with violations.
How much is Progressive car insurance?
Your driving history is a large factor in your ability to find cheap car insurance. If you have incidents like at-fault accidents or speeding tickets, on your driving record, you’ll likely pay more than if you had a clean driving record. DUIs tend to affect rates most significantly. While many companies choose not to write policies for drivers with DUIs on their driving records, Progressive typically does.
|
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|
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|---|---|---|
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Good driver, good credit
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Progressive full coverage premium
$2,418
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National full coverage premium
$2,458
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|
Progressive full coverage premium
$4,338
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National full coverage premium
$4,502
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|
|
Progressive full coverage premium
$3,120
|
National full coverage premium
$2,975
|
|
|
Progressive full coverage premium
$3,674
|
National full coverage premium
$3,508
|
|
|
Progressive full coverage premium
$3,312
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National full coverage premium
$4,713
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Progressive car insurance quotes by age
In most states, car insurance carriers use driver age or experience as a rating factor when setting premiums. Since younger drivers typically have less experience and a higher statistical rate of accidents, insurers see them as a higher risk and charge more for coverage.
We’ve analyzed average premiums for drivers with clean records across several age groups and compared Progressive’s rates with the national average. In general, young drivers who stay on their parents’ policy receive much lower rates than those who purchase standalone policies, especially as teens.
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|
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|---|---|---|
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Progressive full coverage premium
$4,988
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National full coverage premium
$5,229
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|
|
Progressive full coverage premium
$4,403
|
National full coverage premium
$4,501
|
|
|
Progressive full coverage premium
$4,928
|
National full coverage premium
$4,972
|
|
|
Progressive full coverage premium
$3,049
|
National full coverage premium
$3,031
|
|
|
Progressive full coverage premium
$2,693
|
National full coverage premium
$2,622
|
|
|
Progressive full coverage premium
$2,418
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National full coverage premium
$2,458
|
|
|
Progressive full coverage premium
$2,026
|
National full coverage premium
$2,220
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Compare Progressive car insurance rates
Each car insurance company uses a different set of calculations to set premiums based on a wide variety of rating factors. For some drivers, Progressive may offer the cheapest rates, while other drivers may find more affordable coverage from a different provider based on their profile. That’s why comparing rates during the shopping process is so important: average rates only tell part of the story. To show how rates can vary, we analyzed average premiums from Progressive and nine other top-rated car insurance companies.
|
|
|
|
|---|---|---|
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$2,418
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$706
|
|
|
$3,060
|
$987
|
|
|
$3,081
|
$925
|
|
|
$1,992
|
$585
|
|
|
$1,934
|
$697
|
|
|
$2,688
|
$886
|
|
|
$1,996
|
$543
|
|
|
$2,127
|
$767
|
|
|
$1,775
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$463
|
|
|
CSAA
|
$3,831
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$630
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Progressive customer satisfaction
Customer satisfaction ratings can help you determine if a car insurance company is the best fit for your needs. Third-party ratings are a good place to begin your research. AM Best, an industry leader, assesses insurers’ overall financial strength and ability to pay out claims, which are reflected in a score from A++ (Superior) to D- (Poor). A higher score indicates a lower likelihood that the company will be unable to pay claims. J.D. Power, a consumer data analytics company operating in the automotive and insurance spaces, publishes several studies each year on insurance customer satisfaction, rating providers on a 1,000-point scale.
Progressive auto claims satisfaction
Progressive has below-average customer satisfaction ratings in every geographical region in the 2023 J.D. Power U.S. Auto Insurance Study, with especially low scores in the Central, North Central and Mid-Atlantic regions. Although, the company did receive a high score in the usage-based insurance (UBI) segment. The company also performed poorly in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study, scoring 870/1,000 in comparison to the industry average of 878. The only J.D. Power study in which Progressive ranked well was the 2023 J.D. Power U.S. Insurance Digital Experience Study, where it came in third with high scores for both overall customer experience and shopping experiences.
Progressive auto insurance customer complaints
To get a sense of a company’s track record for customer complaints, we turn to the National Association of Insurance Commissioners (NAIC), which logs customer complaints for U.S. insurers and compares the rate of complaints to the size of the company. The baseline complaint index is 1.00, which indicates that a company has the expected number of complaints based on its industry segment and market share.
Progressive’s 2023 NAIC complaint index for private passenger auto insurance is 0.88, slightly lower than the baseline and notably lower than its index for previous years. This suggests that Progressive’s customer service practices may be improving in recent years.
Progressive car insurance discounts
Progressive offers a large list of discounts that may help you lower your auto insurance premium. While discount availability varies by state, some of the most impactful discounts include:
- Automatic payments: Signing up for automatic payments that come directly from a bank account might lower your rate.
- Homeowner: If you own a home — even if you don’t insure it with Progressive — you might be able to save money on your auto insurance premium.
- Name Your Price: Although not technically a discount, this unique feature could save you money. With Name Your Price, you can input your budget amount and Progressive will display coverage options that fall within your requirements.
- Snapshot: Progressive’s car insurance telematics program is called Snapshot, and it tracks your driving habits and might assign you a personalized discount based on the data.
- Good student: If someone on your policy is a full-time student under age 23, you can earn a discount if they maintain a B average or better.
- Pay in full: Opting for annual payments rather than a semi-annual or monthly premium could earn you a discount on your auto policy from Progressive.
- Online quote/sign online: Getting a quote online and signing your documents online can earn you separate discounts on your policy.
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Get personalized auto insurance quotes
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Progressive home insurance review
With a Bankrate Score of 4.0 out of 5, Progressive isn’t one of Bankrate’s top-rated home insurance companies. Its homeowners policies are relatively basic, with only a few optional coverage types to add. These include water backup and personal injury coverage.
Many Progressive home insurance policies are underwritten by a company called American Strategic Insurance (ASI). Progressive also operates the Progressive Advantage Agency, Inc., which helps homeowners find coverage with various third-party underwriters. For purposes of this review, we’ve chosen to focus on the coverage through ASI, since it is officially part of the Progressive group of companies. The company could be a good option for homeowners looking for basic coverage to bundle with their auto policies.
Pros and cons of Progressive home insurance
If you’re comparing home insurance quotes, just like with auto insurance, you may want to consider several factors outside of the price. During our Progressive Insurance review, we identified these perks and drawbacks of the company’s home insurance product, which might be helpful as you choose a company:
Pros
- Offers a way to bundle with Progressive auto policies
- Local agents available
- HomeQuote Explorer lets you compare quotes from several companies in one place
Cons
- Limited endorsements
- Below-average J.D. Power customer satisfaction score
- Higher-than-average complaint index with the NAIC
Progressive home insurance cost
The average cost of home insurance from Progressive is $2,485 per year for a policy with $300,000 in dwelling coverage. Comparatively, the national average is $2,304 per year for the same coverage. Your home insurance rates will vary based on a number of factors, including how much coverage you need. Below, you can see Progressive’s average rates compared to the national average for several levels of dwelling coverage.
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|---|---|---|
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$150K dwelling
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Progressive average premium
$1,607
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National average premium
$1,406
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$300K dwelling
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Progressive average premium
$2,485
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National average premium
$2,304
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$350K dwelling
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Progressive average premium
$2,738
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National average premium
$2,571
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$450K dwelling
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Progressive average premium
$3,289
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National average premium
$3,118
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$750K dwelling
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Progressive average premium
$4,932
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National average premium
$4,549
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Compare Progressive homeowners insurance rates
When shopping for a home insurance policy, it’s important to compare rates from multiple companies. While some homeowners may find cheap home insurance through Progressive, others might be eligible for lower rates from another company, based on their location, home information and other ratings factors. Consider requesting home insurance quotes from at least three companies before deciding on a provider for your homeowners insurance. As a starting point, we’ve analyzed average annual premiums for 10 leading home insurance providers, including Progressive, and compared each rate to the national average.
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|---|---|---|
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$2,485
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+ $181 |
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$1,984
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- $320 |
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$2,289
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- $15 |
|
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$1,451
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- $853 |
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$2,448
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+ $144 |
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$1,772
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- $532 |
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$3,567
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+ $1,263 |
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$1,698
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- $606 |
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$1,871
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- $433 |
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$1,696
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- $608 |
Progressive customer satisfaction
Third-party ratings can give potential customers a picture of Progressive’s customer satisfaction in the home insurance sector. J.D. Power’s U.S. Home Insurance and Property Claims Satisfaction studies analyze overall customer satisfaction and claims experiences in the embattled property insurance industry, rating each company on a 1,000-point scale. Overall, Progressive performed poorly in 2023 and 2024 homeowners insurance customer satisfaction studies from J.D. Power.
Progressive homeowners claims satisfaction
When it comes to customer service scores, Progressive home insurance falls behind many carriers. The 2023 J.D. Power U.S. Home Insurance Study ranks the insurer significantly below average, with a score of 791/1,000 compared to the industry average of 819/1,000. Progressive fared even worse in the claims satisfaction ranking for home insurance in the 2024 J.D. Power U.S. Property Claims Satisfaction Study. The industry average is 869/1,000, and Progressive received a score of 851, putting it near the bottom of the pack.
Progressive home insurance customer complaints
The NAIC tracks the rate of complaints received by U.S. insurers and analyzes them against the company’s market share. The baseline complaint index is 1.00; any number above 1.00 indicates that a company receives more complaints than anticipated for its size and position in the market.
The NAIC reports a complaint index of 14.67 for ASI Progressive’s home insurance product, which indicates an above-average number of complaints. This number represents a dramatic increase in complaints in the past two years.
Progressive home insurance discounts
Home insurance discounts could help you find cheaper home insurance from Progressive. Discount availability varies, so be sure to ask an agent if you’re eligible for the discounts below or other offered by Progressive:
- New home construction: Newer homes might have a lower risk for damage, so Progressive could give you a discount on your home insurance.
- New purchase: You might get a discount for recently buying a home. The home doesn’t have to be a new build to qualify, as long as it’s a new purchase for you.
- Pay in full: If you pay your home insurance in full, you could receive a discount. This discount is not likely available for policies paid in full from escrow accounts.
- Quote in advance: If you get a quote prior to the effective date of your policy, you might save some money.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Progressive
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Progressive life insurance review
Progressive life insurance might be a good fit for those looking for a variety of policy types and educational resources. However, Progressive does not underwrite its own life insurance in most cases. Instead, clients may be referred to eFinancial, LLC, which then places them with various underwriting life insurance companies depending on the type of coverage they choose. In certain states, some term life insurance policies are underwritten by Progressive Life Insurance Company.
Progressive offers both term and permanent life insurance policies. Term policies include 10-, 15-, 20- and 30-year policies, along with short-term life insurance that covers a single year of coverage at a lower rate. Progressive’s permanent life insurance policies include whole life and universal life insurance as well as final expense life insurance, or burial insurance.
Pros and cons of Progressive life insurance
Progressive life insurance could be right for some shoppers, but comparing life insurance options is often a good idea. Keep in mind that finding cheap life insurance will depend more on your qualifications and the policy type you choose. Here are some of the pros and cons of Progressive life insurance that we thought were particularly notable:
Pros
- No exam options available
- Several types of coverage offered
- Wide range of death benefit limits
Cons
- Underwritten by third parties
- Customer satisfaction depends on the underwriting company
- Will likely not work directly with Progressive once the policy is issued
Progressive life insurance riders
Progressive does not include life insurance rider information on its website, but it does provide a list of common offerings. Rider availability will likely depend on the type of policy you choose and which company underwrites your coverage. Keep in mind that adding riders will increase the cost of your life insurance, but it may be worth it for the extra coverage. The best way to know what riders are available to you and how much they will cost is to request a quote and talk with an agent from the company handling your chosen policy type.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Progressive with other insurers
Finding a home, life or car insurance carrier that fits your specific needs can be intimidating. However, getting quotes from several companies and comparing rates and features can be one of the best ways to find the right fit. If you’re not sure about Progressive, consider the following comparable companies.
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Featured
Progressive
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.1Coverage 4.4Support 4.3 |
Geico
4.4
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.7Coverage 4.0Support 4.4 |
Nationwide
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.3Coverage 3.9Support 4.2 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Policyholders who value digital capabilities, want a company that can follow them throughout the country or need high-risk insurance might consider Progressive as their company of choice.
Read More
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Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice.
Read More
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Low-mileage drivers and those who want to build safe driving habits may appreciate Nationwide’s two telematics programs: SmartMiles and SmartRide. Nationwide could also be an option for those who want to bundle home and auto insurance with the same carrier, as the company writes its own homeowners insurance policies. Consumers should note that Nationwide did score below the industry average in J.D. Power's auto claims satisfaction study.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Name Your Price shopping tool
Snapshot telematics program
Online quote and sign discount
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Robust digital tools
DriveEasy telematics program
Several potential discounts
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Great bundling discounts
Two telematics programs
Robust mobile app
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $2,418 | $2,107 |
$1,934 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 672/1000 | 692/1000 |
728/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $2,485 | No rates available |
$1,772 |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 851/1000 | Not Scored |
877/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A+(Superior) |
A++(Superior) |
A+(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Progressive insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is Progressive a good insurance company?
Our extensive review found that Progressive may be one of the best car insurance companies based on its coverage offerings, discounts and digital tools, despite its lower-than-average customer satisfaction scores. However, Progressive’s home insurance offerings aren’t nearly as robust and tend not to stand out amid the competition, and its life insurance products are underwritten by a range of third-party insurers, resulting in mixed value. Getting quotes from Progressive could be a good way to decide if the company will meet your needs.
What are real-life customers saying about Progressive?
Third-party ratings only give a partial picture of actual customer experiences with Progressive’s insurance business. To get closer to the real experience, we took a look at real conversations happening on forums like Reddit and Quora, where actual customers, agents and others with firsthand experience share their Progressive insurance reviews along with candid takes on the company.
Reddit users revealed mixed perspectives on Progressive’s place in the insurance industry, particularly in contrast to big-name competitors like Geico. While some warned that Progressive’s low rates now may be linked to growth strategies that will lead to future rate hikes, others emphasized the company’s track record for practical service and affordable pricing.
Quora
On Quora, users are split between praising Progressive’s prompt and courteous customer service and expressing frustration with what some see as misleading business practices and poor communication around rates.
To get a closer perspective on real policyholders’ experiences with Progressive, we reached out to Bankrate staffers to speak with people who have insurance policies with Progressive. We spoke to Adam, who’s had Progressive auto insurance for 19 years and Progressive home insurance for eight. Here’s what he had to say about Progressive’s customer service:
“I've been with Progressive almost 20 years, overall their customer service and claims handling have been incredible. I've only had one accident, and the subsequent claim, after having them for 15 years and the process was very smooth, no issues with the repair facility or haggling with an adjuster.”
Progressive company details
If you’re considering purchasing insurance through Progressive, here are some key contact details and other resources to help you start the process or manage an existing policy:
- Customer service and claims: 1-888-671-4405
- Spanish-speaking service and claims: 1-833-951-4271
- File a claim: 1-800-776-4737
- General fax: 1-877-280-5587
- Live chat available online
- Headquarters: 6300 Wilson Mills Rd, Mayfield Village, Ohio 44143
State availability
Progressive car insurance is available in all 50 states and Washington, D.C. Progressive home insurance through ASI is only available in 40 states, but policies placed with other third parties through the Progressive Advantage Agency, Inc. may be more widely available depending on the underwriting company.
Progressive tools and benefits
Progressive offers several types of insurance in addition to auto, home and life. You might be interested in the company’s other insurance solutions, including the following product lines:
- Golf cart: If you own a golf cart, Progressive may have an insurance policy to bolster your financial protection.
- Boat and personal watercraft: Progressive offers options to insure boats and other personal watercraft.
- Pet: Progressive’s pet insurance is provided by Pets Best and comes with access to a 24/7 emergency vet hotline phone number.
- Wedding and event: Gatherings and events may require specialized insurance coverage. Progressive offers this coverage through The Event Helper, Inc.
- Business: Progressive offers a range of business insurance products, including general liability, commercial auto and workers compensation.
- Health: Provided by eHealth, Progressive offers individual and family plans, short-term health insurance and Medicare coverage.
- Dental: Progressive’s dental insurance coverage is also provided by eHealth.
Additionally, Progressive offers online banking and personal loans.
Frequently asked questions about Progressive
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000Additional profiles:
- Coverage A, Dwelling: $150,000, $350,000, $450,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Progressive
Progressive has 25 reviews
Dive into community reviews below and see what others think about Progressive.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
recommend this insurer
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
