Progressive Car Insurance Review for 2024 [See Ratings & Cost Here!]

Our Progressive car insurance review shows that Progressive offers drivers affordable rates, robust digital tools, and plenty of discounts.

Progressive earns its spot as one of the best cheap car insurance companies in America thanks to solid customer reviews. Drivers looking for a modern insurance experience will appreciate Progressive’s online policy management tools.

However, not everyone is pleased with Progressive. The company struggles with its customer loyalty ratings, and some drivers complain about unexpected price hikes.

Progressive Car Insurance Rating

Explore our Progressive auto insurance review to see if this company is right for you. Then, enter your ZIP code into our free comparison tool above to compare Progressive rates with other companies.

Progressive Car Insurance: Average Monthly Rates

Most drivers understand why they need car insurance, but figuring out how your premiums are determined is another story. While Progressive car insurance quotes tend to be affordable, some drivers see higher rates than others.

Check below to see what your Progressive auto insurance quotes might look like.

Progressive Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Progressive car insurance rates tend to be lower than the national average, but you should always compare quotes to ensure you get the best price possible. Getting a personalized quote is easy – simply visit a provider’s website and fill out the quote request form.

If you don’t have the time to gather individual quotes this way, you can always use an online generating tool to look at multiple prices at the same time.

Progressive Car Insurance Rates for Teens

Teens figuring out how car insurance works may feel overwhelmed, especially when they see how much they’ll have to pay for coverage. Young drivers see higher rates due to the increased chances that they’ll file a claim.

Progressive tends to be an affordable option for teen drivers. Check below to see how much you might pay for teen car insurance.

Progressive Car Insurance Monthly Rates for Teens by Age, Gender & Coverage Level

Although teen car insurance is pricy, Progressive is one of the more affordable options. The good news is that your rates will decrease around age 25 as long as you keep your driving record clean.

Progressive Car Insurance Rates for Seniors

Senior car insurance from Progressive is usually affordable. In fact, older drivers won’t see their rates go up by much until about age 65.

Below, you can explore Progressive’s average rates for older drivers.

Progressive Car Insurance Monthly Rates for Seniors by Age, Gender & Coverage Level

Older drivers may pay a bit more for their coverage, but they almost never see rates as high as teens.

Progressive Car Insurance Rates by Driver

Progressive auto insurance rates are also affected by factors like your driving history and credit score. Of all the factors impacting your Progressive auto insurance policy, your driving record is one of the most important.

As you can see, auto insurance from Progressive varies in price significantly between drivers with clean records and people with traffic violations.

Another important part of your insurance rates is your credit score. Check below to see how much auto insurance from Progressive might cost you based on your credit score.

Progressive Car Insurance Monthly Rates by Credit Score

Drivers with good credit scores pay less for insurance than people with lower scores. However, there is an exception to this rule. California, Hawaii, Massachusetts, and Michigan don’t allow companies to look at your credit score to determine how much to charge.

Compare Progressive Car Insurance Rates With Top Providers

Although Progressive has a reputation for offering affordable coverage, it’s not always the cheapest option. While it tends to be cheaper than the national average, you should still compare other companies with Progressive company car insurance to make sure you’re getting a good deal.

Take a look below to compare average Progressive rates with other companies.

Car Insurance Monthly Rates for Progressive vs Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
	$22	$59

When it comes to buying car insurance, finding the best policy for you depends on comparing quotes. You can see above that Progressive isn’t always the cheapest provider.

However, the cheapest choice isn’t always the best. Progressive may be the right choice for your needs, depending on the amount of coverage you want to purchase.

Progressive Car Insurance Options

Whether you want the bare minimum amount of coverage you need to meet your state’s requirements or a full coverage policy with all the bells and whistles, Progressive has you covered.

When you get a Progressive insurance quote, you’ll have the following types of coverage to choose from:

• Liability Insurance: When you cause an accident, you’ll need liability insurance to cover damages and injuries to others. Most states require liability insurance.
• Collision Insurance: Collision insurance covers damage to your vehicle after something hits your car, even if you’re at fault. It also covers you if you hit a stationary object, like your neighbor’s mailbox.
• Comprehensive Insurance: For everything that can damage your vehicle outside of a collision, there’s comprehensive insurance. Comprehensive insurance covers damage from things like weather, fire, floods, vandalism, and theft.
• Uninsured/Underinsured Motorist Coverage: If someone without adequate coverage hits you, uninsured/underinsured motorist insurance will pay for your car repairs and health care needs.
• Medical Payments/Personal Injury Protection: The type of coverage you can buy depends on your state, but both medical payments (MedPay) and personal injury protection (PIP) insurance pay for health care expenses after an accident.

In case you’re wondering if it’s bad to carry just minimum coverage car insurance, it depends on your needs. If you’ve financed a car or you own a vehicle that’s either new or valuable, a full coverage policy is probably best. However, if your car is older or less valuable, minimum coverage is probably enough.

While it’s never a bad idea to buy more coverage, adding insurance to your policy increases your premiums. If you need the cheapest Progressive insurance rates possible, you should choose only what you need.

Progressive Car Insurance Add-Ons

Your car is likely one of your largest investments, so it makes sense that you’d want to protect it. Progressive understands that basic coverage isn’t enough for every drive, so they offer the following add-ons:

• Gap Insurance: Gap insurance pays the difference between what you owe on your car loan and what your car is actually worth in case you total your vehicle. Essentially, gap insurance protects you from paying for a car you no longer drive.
• Rental Car Reimbursement: If your car is stuck in the mechanic’s after a covered accident, Progressive will pay for a rental car.
• Rideshare Insurance: Progressive supports drivers who work for companies like Uber and Lyft by offering rideshare insurance.
• Custom Parts and Equipment Coverage: Drivers who customize their cars should know that regular insurance doesn’t cover custom parts. If you add custom parts and equipment coverage to your policy, everything in your car will be protected.
• Roadside Assistance: Enroll in Progressive’s roadside assistance to get help when you’re stranded. Roadside assistance from Progressive includes towing, flat tire changes, dead batteries, and locksmith services.

Some drivers won’t need to add additional coverage. For example, if you’re concerned about whether Progressive car insurance covers windshield replacement, you don’t need to purchase an add-on. Instead, you’ll need comprehensive coverage.

Usage-Based Auto Insurance by Progressive

Getting car insurance with telematics can help you save a significant amount, but what is usage-based car insurance, and does Progressive offer it?

Progressive’s UBI program is Snapshot. Safe drivers can save up to 30% on their premiums by enrolling in Snapshot and consistently practicing safe driving habits. Snapshot tracks the following behaviors:

• Hard Braking
• Speeding
• Mileage
• Time of Day
• Phone Use

While Snapshot can save you money, you should only sign up if you’re a safe driver. Snapshot is one of the few UBI programs that can cause a rate increase if you don’t score well enough.

Progressive Car Insurance Discounts

While there are plenty of things you do that can increase your premiums, an easy way to save is to take advantage of Progressive’s discounts. Progressive insurance reviews frequently praise how many discounts the company offers, which you can explore below.

Progressive automatically applies most discounts to your account when you apply for a policy. Others apply when you become eligible, like the loyalty and teen driver discounts. You may need to submit proof for others, like the good student discount.

Progressive Customer Reviews

Although it has its share of complaints, Progressive is generally considered a good choice for insurance.

One major reason customers leave positive reviews is the Progressive customer service representatives. Most agree that representatives are helpful, friendly, and willing to help you make the most of your insurance.

I’m working late … cause I’m obsessed with bundling your home and auto insurance 🎵 pic.twitter.com/weEnVBKwFH

— Progressive (@progressive) August 23, 2024

Progressive is also commonly praised for its service when you need to file a car insurance claim after an accident. However, some drivers have had issues with rate increases. This Reddit user below mentions common positive and negative issues with Progressive.

Although this Reddit user ended up switching to another company, many drivers choose to stay. It’s worth noting, however, that Progressive struggles with its customer loyalty ratings.

Progressive Car Insurance Pros and Cons

Still undecided about Progressive? Read through our quick pros and cons to help you make a decision. When you buy your coverage from Progressive, you’ll enjoy the following perks:

• Affordable Rates: Whether you want property damage and bodily injury liability coverage or full coverage with add-ons, Progressive tends to be a cheap option.
• Digital Tools: From the Name Your Price tool to a robust mobile app, Progressive’s innovative online tools make it easy to manage your policy.
• Ways to Save: Take advantage of Progressive’s generous discounts or enroll in Snapshot to lower your premiums.

Like all other companies, there are some drawbacks to consider with Progressive. These include:

• Unexpected Premium Hikes: A common complaint against Progressive is that many customers see rate increases unexpectedly.
• Customer Loyalty Struggles: While Progressive consistently tries to improve its service, the company struggles to keep its policyholders.

Progressive is a great choice for people with young drivers in their families. It’s also a great choice for a modernized insurance experience.

Get Progressive Car Insurance Quotes Today

Whether you want the barest policy possible or full coverage with a ton of car insurance add-ons, you should consider Progressive in your search for coverage. It offers a generous number of discounts, a robust UBI program, and plenty of coverage options.

However, you should always compare multiple companies when you need insurance. Enter your ZIP code into our free comparison tool below to see how Progressive rates compare in your area.