Is Progressive Car Insurance Good? Reviews and Expert Insights

As the nation’s second-largest personal auto insurer, Progressive is often a very good match for those looking for low premiums, a wide array of policy features and benefits, and an easy-to-use mobile app and website. They may also be a good choice for those with a single recent DUI on their record, as Progressive tends to penalize DUIs less than other companies.

While it scores below average in recent J.D. Power claims and customer satisfaction studies, its A+ AM Best rating shows solid financial stability.

Progressive has an average rate of $148 per month for full coverage, or $65 a month for state minimum coverage.

Everyone’s situation is different. And your pricing will be different, too. Your premiums will vary widely depending on your location, age, driving record, credit score, and other factors. Use Luva to get an actual quote from multiple insurers, based on your specific situation.

A poor driving record can raise your car insurance premiums substantially. Here’s a look at the Progressive average rates for drivers with violations on their record:

On average, Progressive imposes less of a rate penalty for a DUI than they do for a single speeding ticket. The DUI-related surcharge is also much lower than the industry average. Across all carriers in our data, a DUI raised premiums to about $384 on average.

If you have a DUI on your record, Progressive is one of the first companies you should look at.

While Progressive appears to be tolerant for drivers with a DUI, they tend to heavily penalize drivers after an at-fault accident.

No matter your driving record, use Luva to compare quotes from leading carriers in just minutes to find the right coverage.

Car insurance rates vary significantly by location and driver profile. The table below shows average quotes by state from Progressive:

Progressive sells the six standard personal auto coverages, plus a long list of optional add-ons.³

The six standard coverages are:

• Liability: Pays for injuries or damage you cause to other people, up to your limits. Liability insurance is mandatory in all states except New Hampshire.

• Uninsured/underinsured motorist (UM/UIM): Covers injuries caused by a driver with little or no insurance. In some states, it may also help pay for damage to your vehicle. Required and available forms vary by state.

• Medical payments (MedPay): Pays medical and funeral expenses for you, your family members, or your passengers.

• Personal injury protection (PIP): Offered in some states, with broader benefits than MedPay.

• Comprehensive: Covers non-collision damage to your car, including fire, theft, and vandalism.

• Collision: Pays to repair or replace your vehicle after you hit another object or vehicle.

Progressive also offers several optional coverages and endorsements that many drivers overlook:

• Loan/lease payoff: If you owe more on your car loan than your vehicle is worth, and the car is totaled in an accident or stolen, Progressive’s loan/lease payoff protection will pay the difference, usually up to 25% of the vehicle’s actual cash value, though the exact limit varies by state.³

• Trip interruption: Pays up to $500 in related costs if your car breaks down more than 100 miles from home. A daily limit of $100 applies for lodging, $50 for transportation, and $50 for food. To qualify, you must purchase Progressive’s roadside assistance plan.³

• Custom parts and equipment (CPE): Covers aftermarket additions such as stereos, wheels, or a custom paint job, and adaptive equipment. You must carry collision and comprehensive coverage to qualify, not just liability coverage. A $5,000 limit normally applies.³

• Deductible Savings Bank: Subtracts $50 from your collision or comprehensive deductible for every claim-free and violation-free six-month period. This is an optional coverage that slightly increases your premium. Not available in Alaska, California, Georgia, Hawaii, New York, or North Carolina.²

• Pet injury coverage: Pays up to $1,000 in veterinary bills if your pet is hurt in a covered accident. Progressive includes it automatically when you add collision coverage.³

• Progressive Vehicle Protection: Covers a newer car’s major systems on a non-accident basis, plus minor dents and dings and lost, stolen, or damaged keys. Progressive offers it in most states for vehicles less than three model years old. To qualify, you must purchase comprehensive, collision, rental car, and roadside assistance with trip interruption, as well as liability coverage. Specifics vary by state.³

• Rideshare endorsement: Must be added to your policy to cover you while you are logged into a rideshare or delivery app and waiting for a request. The coverage and how it interacts with the platform’s own insurance vary by state.³

Does Progressive offer accident forgiveness?

Yes. Progressive offers three types of accident forgiveness:

• Small Accident Forgiveness applies from your first policy term and prevents a rate increase for a first claim under $500.

• Large Accident Forgiveness applies after five years as a customer with a clean record.

• Progressive Accident Forgiveness can be purchased separately, where available.²

Progressive offers multiple discount programs that can help you reduce your out-of-pocket expense. The company reports that 99% of its auto insurance customers qualify for at least one discount.²

Is Progressive good for bundling?

Progressive provides modest discounts for bundling multiple lines of insurance policies with the company, such as homeowners, renter’s, or condo insurance.

The average bundling discount in most states is about 5%. Progressive also reports that new customers who saved by bundling homeowners and auto insurance together saved $1,086 over 12 months, on average.²

Is Progressive's Snapshot program worth enrolling in?

Snapshot, Progressive’s telematic monitoring program, is worth considering if you drive relatively few miles, avoid hard braking and rapid acceleration, rarely drive late at night, and are comfortable sharing driving data.

Here’s how it works: 

1. You run the Progressive mobile app or plug a monitoring device into your car’s OBD-II port beneath the dashboard. 

2. The program tracks driving activity, including hard braking, rapid acceleration, mileage, and late-night driving (12 a.m. to 4 a.m.), plus phone usage where permitted. Location data is collected but does not impact your score.

3. If your driving habits are good, you may qualify for a lower premium after a month or two of monitoring. Most drivers either save money or see no change in their premiums.

In most states, enrolling gives you an automatic participation discount at sign-up, averaging $164. This expires when your policy renews. You then get a personalized rate at renewal, usually after six months.

Progressive customers who earned a discount saved an average of $328.⁴

However, Snapshot can also backfire: Progressive says about 2 out of 10 drivers see their premiums increase, based on the driving habits the program identifies.⁴

Here’s how Progressive stacked up against these other leading insurance companies:

Yes. Progressive sells both personal and commercial auto insurance, which is important for anyone who uses a vehicle to generate income.

Personal auto policies aren’t designed for business use. If you’re using your car to drive for a ridesharing service like Uber or Lyft, or for a delivery service like GrubHub, Progressive requires you to purchase a ridesharing endorsement on your policy. Otherwise, Progressive may not honor claims from accidents arising while you’re driving for those companies.

For other types of commercial activity, consider a commercial auto policy, or hired and non-owned auto coverage, which Progressive adds to a commercial auto, general liability, or business owners policy. They don’t offer this endorsement on personal auto insurance policies.

Note: You may qualify for a multi-policy discount if you carry both a personal and a commercial policy through Progressive. Not available in all states.⁵

Overall, consumers rated Progressive as below average when it comes to their claims experience.

According to J.D. Power’s 2025 claims study, Progressive scored 673, the third lowest score in that study, compared to the average score of 700 across all carriers.¹

Four independent measures give a fuller picture, and they answer different questions. Financial strength ratings assess whether an insurer can pay what it owes. Satisfaction studies and complaint data describe what dealing with the company is like.

Progressive’s complaint record holds up well. A score below 1.0 means an insurer draws fewer complaints than expected, relative to its size. While Progressive lags competitors in overall customer satisfaction surveys, they do much better at keeping complaints from escalating to the insurance commissioner level.

Progressive may be a good fit for these types of drivers:

• Budget-conscious drivers who prioritize competitive rates over high-touch customer support.

• Small-business owners who also need personal coverage.

• Owners of eligible newer vehicles.

• Drivers with a DUI or an SR-22 requirement.

• Customers interested in long-term loyalty benefits.

Progressive may not be a great fit if you have an at-fault accident on your record.

To save time, have the following information and documents handy when you start shopping for new car insurance coverage:

• Driver’s license numbers and dates of birth for every driver in your household.

• The year, make, model, and VIN for each vehicle you want to insure.

• Your current policy’s declarations page, so you can match limits and deductibles exactly.

• Your estimated annual mileage for each vehicle.

• Your driving history, including any accidents, tickets, or claims from the past five years.

• The lienholder’s name, if any, and address if your vehicle is financed or leased.

• The date you want coverage to start. This should be no later than the day your current policy ends.

Luva pulls real quotes from multiple carriers side by side using the same limits and deductibles. That way, you can easily compare pricing from multiple carriers at the same time.