R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
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At a glance
4.1
Rating: 4.1 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.4 stars out of 5
4.4
Cost & ratings
Rating: 4 stars out of 5
4.0
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4.3 stars out of 5
4.3
Home
Rating: 3.7 stars out of 5
3.7
Cost & ratings
Rating: 3.5 stars out of 5
3.5
Coverage
Rating: 3.67 stars out of 5
3.7
Support
Rating: 4.25 stars out of 5
4.3
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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
Auto
Avg. annual premium for full coverage
$2,347
Avg. annual premium for min coverage
$733
Home
Avg. annual premium for $300k dwelling coverage
$2,535
New
What’s new with Progressive?
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 has recently stopped writing new homeowners policies in Florida, Texas and some midwestern states due to weather-related risk and volatility.
Progressive no longer offers dwelling fire insurance as of late 2024. This coverage is often used instead of homeowners insurance by landlords for non-primary residences and rental properties.
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
Competitive rates and a strong suite of discounts for many drivers
Robust policy customization options
SR-22 filing with competitive rates for high-risk drivers
Highest satisfaction rating in J.D. Power’s digital experience study on service
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 $2,347 per year for a full coverage policy and $733 per year for a minimum coverage policy, according to April 2025 data from Quadrant Information Services. That’s fairly affordable compared to the national average cost of car insurance, which is $2,685 per year for full coverage and $800 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.
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.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
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.
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 received below-average customer satisfaction scores in every region in the 2024 J.D. Power U.S. Auto Insurance Study, though it came within a few points of the regional averages in California, Central and North Central markets. The company also performed poorly in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, earning the second-lowest score among more than 20 providers that were ranked. The only J.D. Power study in which Progressive ranked well was the 2024 J.D. Power U.S. Insurance Digital Experience Study, in which it received the top honor for providing excellent service via its digital platforms.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 870.
End of interactive chart.
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 2024 NAIC complaint index for private passenger auto insurance is 0.97, slightly lower than the baseline and relatively consistent from previous years. This suggests that Progressive’s customer service gets about the same amount of complaints as its industry competitors.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.94 to 0.98.
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 reduce or raise your premium 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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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 auto insurance quotes
Answering a few quick questions to check your availability with Progressive
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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 3.7 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 $2,535 per year for a policy with $300,000 in dwelling coverage. Comparatively, the national average is $2,267 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.
$150K dwelling
Progressive average premium
$1,612
National average premium
$1,370
$300K dwelling
Progressive average premium
$2,535
National average premium
$2,267
$350K dwelling
Progressive average premium
$2,781
National average premium
$2,534
$450K dwelling
Progressive average premium
$3,334
National average premium
$3,066
$750K dwelling
Progressive average premium
$4,971
National average premium
$4,399
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.
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. Additionally, the NAIC provides insight into the number of complaints the insurers receive. Looking at the big picture, Progressive home insurance receives a high number of complaints which suggests customers are not entirely satisfied with the service they receive.
Progressive homeowners claims satisfaction
When it comes to customer service scores, Progressive home insurance is about as average as it gets. The 2024 J.D. Power U.S. Home Insurance Study ranks the insurer just below average, with a score of 634/1,000 compared to the industry average of 640/1,000. However, Progressive landed on the favorable side of the average with its claims satisfaction ranking for home insurance in the 2025 J.D. Power U.S. Property Claims Satisfaction Study. The industry average is 682/1,000, and Progressive ranks as the next highest provider in the study with a score of 697/1,000.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 634 to 869.
End of interactive chart.
Progressive home insurance customer complaints
The NAIC reports a complaint index of 8.82 for Progressive’s home insurance product, which indicates an above-average number of complaints. This inflow of complaints is down from last year, but still significantly higher than in past years.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 3.52 to 14.74.
End of interactive chart.
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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
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
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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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.
Featured
Progressive
Rating: 4.1 stars out of 5
4.1
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
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
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
Bankrate identified key carrier features, coverage offerings, discounts and more
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.
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.
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.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
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
Reddit users shared mixed opinions about Progressive’s role in the insurance industry. Some praised the company’s business model for offering affordable rates, while others were more critical, particularly after experiencing rate increases following a claim.
Reddit user 1
May 3, 2024
Progressive started recalibrating their program years ago...
"Progressive started recalibrating their program years ago and have landed in a sweet spot most other carriers aren’t at in the current market. The reason their rates are less is because they’ve shored up their business in areas where others have not and now can confidently grow while others are having to take rate and make adjustments. If you are getting favorable pricing with Progressive while getting better or the same coverage, bully for you! You earned it."
Progressive is great until you have an accident...
“Progressive is great until you have an accident. Whether you're at fault or not, they will raise your rates and the way they report it pretty much everyone else will raise your rates too. I hit a deer and that led to a $900/year premium increase. I confirmed they didn't count it as at fault or preventable, they said they had to pay out so they raised the rates.”
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.
Quora user 1
Apr 1, 2023
It does seem to be the best one I've used in the...
“It does seem to be the best one I've used in the last 10 years. At only $174 a month, they were the cheapest, by about 130, over Geico, Farmer's home, the General, or any of the other ones I've had. Their coverage is very good, and the customer service is actually polite, and decent. So anecdotally, I'd say yes, absolutely.”
They aren't bad. I had a policy with them a few...
“They aren't bad. I had a policy with them a few years ago, but many companies now are dazzled by technology and not much interested in customer privacy. The only way to get a good rate is to agree to a driving monitor device in your vehicle. I have an excellent driving record but didn't like the idea of a device recording me all the time.”
Video Overview: How I Saved with Progressive Snapshot
All rates, features and offers shown in the media on this review were accurate at the time they were procured, but may have changed since recording. Savings are not guaranteed and/or individual savings will vary per user. The content may also contain views and opinions that do not reflect those of Bankrate.
Bankrate staff insights
Where did this quote come from?
Our focus at Bankrate is on delivering accurate content and the right context for making well-informed financial decisions.
We gather real quotes from real people through surveys, interviews, and testimonials from consumers like you who have actual experience with these products. We then hand-pick what to feature to ensure credibility and relevance.
“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.”
Adam, Bankrate staff member
"I have always called Progressive because they tend to be extremely nice and really helpful, and they answer pretty quickly."
Bankrate staff member
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
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
Progressive is involved in environmental and community outreach programs. Environmental efforts include investments in renewable energy and reducing energy consumption in Progressive office spaces. The company’s community-focused programs include projects designed to help furnish homes for the homeless and a program called Keys to Progress that donates vehicles to veterans. Progressive has also stated its commitment to increasing financial literacy and insurance knowledge.
Filing a claim with Progressive is fairly straightforward, but the method you choose may depend on how you purchased your policy. For example, if your Progressive policy comes from a local agent, you can likely call your agent to file a claim, but this may not be an option for those who purchase coverage online. Other ways to file a claim include:
Call 1-888-671-4405 and say, “File a claim.”
Call 1-800-776-4737 and say, “File a claim.”
Call 1-833-951-4271 for service in Spanish
File online with your account log in
File in the Progressive mobile app
ASI home insurance customers can call one of the numbers above, 1-866-274-5677 or can file online with their ASI login.
Once your claim has been filed, you’ll be put in touch with an adjuster. The adjuster will research your claim, analyze your coverage, decide if the claim is a covered loss and release a payment to you, if applicable. Progressive provides an in-depth breakdown of its claims processes by product line on its website.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 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 full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto 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 in 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.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 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 limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 a 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 in 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 51 reviews
Dive into community reviews below and see what others think about Progressive.
4.5
51
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
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.
90% of consumers recommend this insurer
Score breakdown
5 stars
61%
4 stars
29%
3 stars
6%
2 stars
2%
1 star
2%
Score by category
Overall rating4.5 / 5
Original cost3.8 / 5
Coverage4.2 / 5
Customer Support4.3 / 5
How we got these ratings
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
See what users like you are saying about Progressive.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Great customer service,stand behind there insurance ,Prices are good
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Its a good rate for and would keep it
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their online service is very good, but their cost is high considering I haven't made a claim in over 5 years.
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Its the first I was ever with and stayed with them because I didn't want to pay a deposit fee on another insurance
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Simple policy adjustments. Years of devotion to this company.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Price is a huge factor for me especially since I have a teenage driver.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Excellent customer service and extremely competitive pricing
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
i choose progressive as i knew they were good on claim handling. pricing was equal to all others. easy to get in touch with if a problem should arise. i think they are above average when compared with other national insurance companies
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The cost of Progressive was half of what I was paying with another company
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
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