- Ample policy customization and add-on coverage options in 50 states.
- Files SR-22s for high-risk drivers.
- Many rate-discount opportunities.
- Highly rated mobile app and digital tools.
- Among the lowest claims satisfaction scores of major insurers (JD Power).
- Rates for young and teen drivers are above average.
- Some customers report difficulty reaching customer service by phone.
Progressive car insurance: Jerry’s verdict
Progressive is one of the most flexible auto insurers in the country, but that flexibility comes with tradeoffs. And claims satisfaction appears to be the biggest one.
Progressive was founded in 1937 and has grown into one of the largest auto insurers in the United States, with more than 28 million policies in force. The company operates through a hybrid model, including a network of more than 38,000 independent agents alongside a robust direct-to-consumer platform. This gives drivers flexibility in how they shop and manage coverage. Progressive holds an AM Best financial strength rating of A+ (Superior), reflecting consistent financial performance and a strong ability to pay claims.
Where Progressive most clearly earns its reputation is coverage flexibility. Beyond the standard protections most carriers offer, Progressive includes notable add-ons like rideshare coverage, pet injury protection, gap insurance and trip interruption coverage, options that are harder to find at many competitors. For drivers who want to tailor their policy rather than accept a one-size-fits-all package, Progressive is one of the strongest choices on the market.
Progressive also stands out for its Snapshot telematics program, which can meaningfully reward safe drivers at renewal, along with customizable policies that help drivers build a policy with the coverage they need at a price that fits their budget. This insurer also accepts high-risk drivers and files SR-22 forms on their behalf, making it a viable option for those who might struggle to find coverage elsewhere.
The tradeoffs are real, though. Progressive’s claims satisfaction scores rank near the bottom of major insurers, and customer reviews frequently cite inconsistent service and slower resolution times for complex claims. Its rates for young drivers run well above the national average, and the Snapshot program — while a genuine savings opportunity for safe drivers — has drawn complaints for occasionally misreporting phone usage and draining phone batteries. For routine claims filed digitally, the experience tends to be smooth… but for anything more complicated, results vary more than they should for a carrier of Progressive’s size.
Who Progressive is best and worst for
Drivers seeking customizable coverage. Progressive’s breadth of optional add-ons (rideshare, gap, pet injury, trip interruption, etc.) is among the widest of any major insurer. If you want to build a policy rather than accept a default one, Progressive is one of the best tools for that.
A high-risk driver. Progressive accepts drivers with a DUI, at-fault accidents or lapsed coverage, and will file SR-22 forms on your behalf. It’s also among the most affordable options specifically for drivers with a DUI on record.
Someone who prefers digital-first policy management. Progressive’s website and mobile app are well-rated and support quoting, payments, claims and Snapshot enrollment in one place.
Someone looking to bundle, even across carriers. Progressive offers a homeowner discount even if your home is insured elsewhere, which is uncommon among major insurers.
Anyone prioritizing claims satisfaction. Progressive ranks near the bottom of JD Power’s 2025 Auto Claims Satisfaction Study, and customer reviews frequently cite slow or inconsistent experiences for complex claims.
A young or teen driver. Progressive’s rates for drivers under 25 run well above the national average, making other carriers (like GEICO) a better starting point for this group.
A military member. USAA consistently outperforms Progressive on affordability, customer satisfaction and claims experience for those who qualify.
Compare Progressive and 50+ other insurers through Jerry in less than 5 minutes
Learn more: Full coverage vs. liability-only insurance
How much does Progressive car insurance cost?
The average cost for car insurance coverage with Progressive is $154 per month among Jerry drivers, about 45% cheaper than the national average.Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy and the amount of coverage you want.
Based on our analysis of 1,467,769 real Progressive customers who bought through Jerry, here are the typical monthly premiums by driver coverage level:
Minimum
$63 – $152/mo
Meets state minimum liability requirements to keep costs low, but doesn’t cover damage to your own car.
Full
$113 – $283/mo
Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.
Standard
$155 – $368/mo
Includes uninsured motorist and medical payments coverage, which is especially valuable since nearly 18% of drivers nationwide are uninsured.
Preferred
$182 – $429/mo
Offers higher liability, lower deductibles and extras like towing and rental reimbursement for maximum protection.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Progressive car insurance
Progressive performs well financially and earns a relatively low complaint volume, but lags in claims and shopping satisfaction surveys.
| Rating | Progressive’s score |
| NAIC consumer complaint index (2025) | About average (0.94). |
| CRASH Network report card (2026) | C-. |
| JD Power auto insurance shopping study (2025) | No. 14 of 18. |
| JD Power auto insurance claims study (2025) | No. 18 of 20. |
| AM Best (2025) | A (Excellent). |
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NAIC details
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CRASH Network details
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JD Power details
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AM Best details
Jerry pulls up to 20 quotes from top rated carriers.
Progressive car insurance coverage options
Like most insurers, Progressive offers collision, comprehensive, bodily injury liability, property damage liability, medical expense, personal injury protection (PIP) and uninsured/underinsured motorist coverage.
Progressive also offers the following optional add-ons:
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Gap coverage for financed and leased vehicles, which overs the difference between what you owe on the vehicle and its actual market value if it’s totaled or stolen.
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Rental car reimbursement covers the cost of a rental car while your vehicle is being repaired, typically up to 30 days at a daily limit of $40 to $60 depending on your policy.
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Roadside assistance pays for towing, lockout services, tire changes and fuel delivery.
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Trip interruption provides up to $500 for lodging, transportation and food if your car breaks down far from home.
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Rideshare coverage is required for Progressive policyholders who drive for rideshare or delivery platforms. This covers the period when you’re logged into the app and waiting for a request.
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Pet injury coverage pays up to $1,000 in vet bills if your pet is injured in an accident, and is included as part of Progressive’s collision coverage.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Progressive car insurance discounts
Progressive offers more than a dozen ways to reduce your premium. You may qualify for a discount for:
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Multiple cars on one policy
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Owning multiple Progressive policies
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Continuous coverage/no prior lapse in insurance
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Adding a young or teen driver to your policy
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Good students with a B average or better
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Owning a home, even if it’s insured elsewhere
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Getting a quote and signing new policy documents online
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Going paperless and opting out of paper documents
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Paying the full policy term upfront
Does Progressive offer insurance based on driving behavior?
Yes, Progressive’s Snapshot program personalizes your rate based on your actual driving behavior. Drivers can earn a lower rate by avoiding late-night driving (weekends from 12 a.m. to 4 a.m.), minimizing hard braking and rapid acceleration, driving less overall and not using their phone while driving.
Snapshot is available as a smartphone app or plug-in device. Safe drivers can save an average of $322 at renewal, according to Progressive. Note that in some states, risky driving habits tracked by Snapshot can also result in a rate increase at renewal.
Jerry helps you bundle home and auto for less in just minutes.
Filing a claim with Progressive
Progressive offers multiple ways for filing a claim and managing it once filed.
File through the app, online, or by phone
You can file a claim through the Progressive mobile app, at progressive.com or by calling your agent directly at 1-888-671-4405. Have photos of the damage, your policy information and the other driver’s details ready before you begin.
Get assigned an adjuster
After filing, Progressive will assign an adjuster to your claim. Property damage claims are often resolved within one to two weeks, but claims involving bodily injuries or disputes can take considerably longer.
Repair authorization
Progressive will provide you with a repair estimate. You may use any licensed repair shop, though Progressive has a network of preferred shops. Work done at an Auto Repair Xpress location comes with a lifetime repair guarantee.
Repair and rental
If you have rental reimbursement coverage, Progressive will typically reimburse rental car fees up to 30 days at a daily limit of $40 to $60, depending on your policy.
Settlement or payout
For total losses, Progressive offers a settlement based on your car’s actual cash value (ACV). If you disagree with the valuation, you can negotiate, especially with comparable market data to support a higher figure.
Customer reviews of Progressive
Thousands of Jerry customers have reviewed Progressive’s auto insurance and have given the company a solid overall score. Beyond price, Jerry customers most frequently praise Progressive for its robust app and a variety of available discounts.
Is Progressive a good insurance company?
Progressive is a strong choice for drivers who value coverage flexibility, digital convenience, and the ability to build a customized policy. Its wide range of add-on coverages, Snapshot savings program, and willingness to insure high-risk drivers set it apart from many competitors. That said, its claims satisfaction scores are among the lowest of any major insurer, and its rates aren’t always the most competitive — particularly for younger drivers or those with clean records who might fare better with GEICO or a regional carrier.
As with any insurer, it’s best to compare Progressive with other options to find the right coverage at the lowest price for your specific profile.
See coverage options for your car.
How to contact Progressive
Consumers can reach Progressive via online chat, email, phone or the company’s highly rated mobile app. The website at progressive.com supports quoting, policy management, claims filing and Snapshot enrollment.
To speak with a customer service representative, call 1-888-671-4405.
Related guides
FAQ
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What are the pros and cons of Progressive auto insurance?
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Does Progressive insurance cover rental cars?
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Will Progressive pay for my rental car during repairs?
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How do I cancel Progressive car insurance?
Drivers who switch with Jerry save an average of $54/mo on car insurance.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
