Progressive Auto Insurance Review

Who It’s Best For

• Individuals needing more than one type of insurance
• Drivers who take their pets on car rides
• Motorists with stellar driving records

Who It’s Not Best For

• Individuals adding teen drivers to their policies
• Customers who value customer service above all else

Pros and Cons of Progressive Auto Insurance

• Bodily injury liability: Almost every state requires liability coverage. If you are in an accident, bodily injury liability pays for the medical bills of other injured individuals outside of your car.
• Property damage liability: Property damage coverage pays for damage to the other individual’s vehicle or property if you are liable in an auto accident.
• Comprehensive: Comprehensive insurance offers more coverage than basic liability. If your car suffers damage due to incidents like inclement weather, fire, or vandalism, comprehensive insurance will pay for it.¹ Comprehensive insurance also covers the theft of a vehicle.
• Collision: If your car suffers damage in a collision with a tree, another object, or a moving car, collision insurance will help cover your vehicle’s repairs. Progressive also has a Pet Injury Protection plan that falls under collision coverage. If you have a pet that is injured in an auto accident, Progressive will pay up to $1,000 of your vet bill.
• Uninsured/underinsured motorist coverage: If you are in an accident with someone who has no insurance or little insurance, you’ll need to ensure you still have coverage. Uninsured or underinsured motorist coverage covers you and your passengers’ injuries, as well as damage to your property,  if a driver with no or insufficient insurance hits you. This coverage also applies to hit-and-runs.
• Medical payments coverage and personal injury protection: In case of an accident you caused that results in injuries or death, medical payments coverage will pay for you and your passengers’ medical or funeral expenses. It also applies if a car hits you while you’re walking or cycling, or if you are hurt as a passenger in another vehicle.
  
  Some states offer personal injury protection instead of medical payments coverage. Personal injury protection (PIP) covers your lost wages and childcare costs in addition to your medical expenses, regardless of fault. At-fault states offer medical payments coverage, while no-fault states offer PIP.
• Roadside assistance: Progressive’s roadside assistance will pay for services such as towing, lock-out service, fuel delivery, and flat tire changes.
• Rideshare: If you drive for Uber or Lyft, the rideshare service may not offer you complete coverage. Progressive rideshare insurance covers any gaps your company may not cover, such as protection when you’re stopped and waiting for a trip request or driving to pick up a customer.²
• Rental car reimbursement: Progressive’s rental car reimbursement will pay up to $60 per day for a rental in the event your car is in the repair shop due to any covered claim.
• Loan/lease payoff: If your car is totaled or stolen, loan/lease payoff, also known as gap insurance, will cover the difference between the balance you still owe and the car’s actual cash value.
• Custom parts and equipment value: After-market accessories in your car, like custom wheels, a stereo, or a navigation system, also need coverage. Custom parts and equipment coverage insures your car items for up to $5,000.

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:

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:

• Reviewing policy information
• Paying your policy
• Viewing, saving, sharing, and printing ID cards and documents
• Filing a claim
• Getting roadside assistance

You can also access these services through Progressive’s website.

• AM Best: Progressive has an AM Best rating of A+.³ AM Best is the largest credit rating agency in the world and specializes in insurance, so a rating of A+ means Progressive has an excellent standard of paying claims and meeting financial obligations.
• Better Business Bureau (BBB): Unfortunately, Progressive’s BBB customer review rating is 1.08 out of five stars. The BBB itself gives Progressive an F rating for failure to respond to 100 customer complaints. That being said, Progressive has a 98 percent response rate and has closed nearly 4,000 complaints from 2019 to 2022, so take that letter grade with a grain of salt.⁴
• Moody’s: Moody’s risk assessment firm gives Progressive a rating of Aa2. An Aa2 rating is the third-highest long-term rating and indicates that a company has a low risk when it comes to credit.
• National Association of Insurance Commissioners (NAIC): The NAIC Complaint Index tracks and categorizes customer complaints based on the policy type. The standard rating is 1.00, which means a company has an average number of complaints, and anything below a rating of 1.00 is a good score. Progressive has an NAIC complaint index score of 0.06.
• Standards and Poor: The S&P rates Progressive with an AA score, which means the company is stable and can meet its financial obligations.
• JD Power: As of 2021, Progressive has an 819 out of 1,000 customer satisfaction rating from JD Power in California.⁵ This rating shows that, overall, consumers have a favorable and positive experience with Progressive auto insurance in that region.

• 1937: On March 10, 1937, lawyers Joseph Lewis and Jack Green founded Progressive. Progressive is the first auto insurance company to offer customers installment payment plans and drive-in claims, facilities where claimants take their cars to determine the extent of damage and settle claims on the spot.
• 1977: Progressive became the first auto insurance company to publish its loss reserve report. Loss reserves are an estimate of what an insurance company will have to pay on future underwritten policy claims.
• 1995: Progressive was the first auto insurance group to launch a website.
• 2020: Progressive was the third-largest auto insurance provider in the U.S. in terms of premiums written, with 13 percent of the market share.⁶ State Farm had 16 percent of the market share, while GEICO had 14 percent.

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:

• Corporate Headquarters
• The Progressive Corporation
• 6300 Wilson Mills Rd.
• Mayfield Village, Ohio 44143