
Find Your Perfect Policy: 866-843-5386
Move your auto insurance forward with Progressive.
While many of you have heard of Progressive auto insurance through its famous commercials featuring the quirky, upbeat cashier Flo, you may not know precisely what auto insurance it has to offer. This review will walk you through all the types of auto coverages you can find at Progressive. It will tell you the average cost of a policy, what discounts it offers, and the pros and cons of Progressive insurance so you can decide for yourself if this is the right insurance for you.
Discounts and savings program: Progressive offers an array of discounts and programs that make insurance costs lower.
Availability: Progressive auto insurance is available in every state, which is not the case for all car insurance companies.
Rideshare: Progressive offers rideshare coverage.
Customer service: Many customers have complained about Progressive’s service, citing difficulty filing claims and poor response times.
Renewal rates: Progressive increases its policy rates every six months.
To qualify for loan/lease payoff, you need to have comprehensive and collision coverage.
Many factors determine what you will pay for auto insurance, like your age, zip code, driving history, car type, and the type of coverage you need. The average annual premium with Progressive costs around $1,508, which is below the national average of $1,771.
Progressive’s discounts include:
Discount type | Qualifications | Maximum discount |
---|---|---|
Snapshot safe driver | Also known as usage-based insurance, you pay based on how much and how safely you drive.
To save money with Snapshot, download the app, limit hard braking, avoid using handheld devices, and try not to drive from 12 a.m. to 4 a.m. (peak hours for accidents). |
$146 |
Multipolicy | You need to have 2 or more types of policies with Progressive. | 5%
Varies by state |
Continuous coverage | To qualify, you must have no gaps in your car insurance coverage. | Varies by state |
Multicar | Save by adding more than one vehicle to your policy. | 4%
Varies by state |
Driving history and habits | If you have a clean driving record and good driving habits (no tickets, violations, or accidents in the past 3 years), you’ll qualify for significant savings on your premium. | 30% |
Automatic payment | You need to set up automatic payments from a checking account, debit card, or credit card to qualify. | Varies by state
CA: Not available |
Paid in full | To qualify, pay your policy in full upfront. | Varies by state
CA: Not available |
Good student | Policyholders with drivers enrolled in high school or college full-time that hold a B grade average or higher can save on insurance. | 10%
AZ, ND, OR, and WA: Discount is lower, but varies CA or HI: Not available |
Teen driver | Progressive offers a discount that will lower the cost of insuring your teen on your policy. | Varies by state
CA: Not available
|
Distant student | Save if you are an individual with a driver age 22 or younger on your policy who attends school more than 100 miles away and will not be driving any of the cars on the policy. | Varies by state
CA: Not available |
Homeowner | If you are a homeowner, you qualify for a discount even if your home is not insured through Progressive. | 10%
CA: Not available |
Online quote | Get an online quote or have a licensed Progressive agent help you finish your online quote over the phone to qualify. | 7%
CA or NY: Not available |
Paperless discount | You must agree to receive and sign documents online. | Varies by state
CA: Not available |
E-signature | Sign your documents online for savings. | 9%
AK and HI: Discount is lower, but varies CA: Not available |
Use the online Name Your Price Tool for an easier way to see what savings, discounts, and coverage you qualify for. Just enter your information online, and you will receive a quote showing you how much you can save.
Progressive is available in all 50 states and Washington, D.C. In addition, Progressive partners with over 38,000 independent agents across the country, so you should have no problem finding an agent to connect with near your hometown.
Progressive’s customer service operates via chat through its website (https://www.progressive.com/contact-us/), or by phone at 888-671-4405.
As one of the first auto insurance companies to offer online services for its customers, Progressive makes it easy to manage your account. Here are some of the actions you can take on Progressive’s mobile app:
You can also access these services through Progressive’s website.
Progressive insurance | Types of policies |
---|---|
Personal vehicle |
|
Commercial auto |
|
Business |
|
Personal |
|
You can cancel your auto insurance policy with Progressive at any time and for any reason. Some Progressive independent agents may require you to fill out a cancellation form. You can also cancel your auto policy by calling 1-866-416-2003.
You cannot cancel your policy through your app or online. If you prefer to cancel by mail, send a written notice with your name and policy number to the following address:
Since so many independent agents offer Progressive auto insurance, the process for canceling your policy may depend on whether you went directly through Progressive or an independent agent that offers Progressive.
Progressive’s online quote option can help you find the best coverage for your needs. Once you enter your information online, Progressive will customize a list of coverage options according to the information you provided. In addition, you can always get in touch with a local agent and they can help you find the most suitable coverage.
If possible, pay the total premium at the start of your policy to avoid any installment fees. Also, if you enroll in automatic payments, you will get a discount.
You can change your policy any time before the renewal date. To update your account information, add someone to your policy, or change your billing information, log in to your account online at https://www.progressive.com/manage-policy/ or call 1-800-776-4737 to speak with a Progressive representative.
If you get an online quote from Progressive, that rate may differ from the quote you will receive from an independent agent. Consider getting an online quote and reaching out to an independent agent to see which rate best suits your circumstances.
Automobile insurance guide. Texas Department of Insurance. (2022).
https://www.tdi.texas.gov/pubs/consumer/cb020.html
Types of Car Insurance. Progressive. (2022).
https://www.progressive.com/auto/insurance-coverages/
AM BEST Ratings. AM BEST. (2022).
https://ratings.ambest.com/CompanyProfile.aspx
Progressive Corporation. Better Business Bureau. (2022).
https://www.bbb.org/us/oh/mayfield-vlg/profile/insurance-companies/progressive-corporation-0312-15000696
Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds. J.D. Power. (2022).
https://www.jdpower.com/business/press-releases/2021-us-auto-insurance-study
Top 10 Writers Of Private Passenger Auto Insurance By Direct Premiums Written, 2021. Insurance Information Institute. (2021).
https://www.iii.org/table-archive/20598