4.5/5
Progressive Service Evaluation
Key Takeaway: Progressive (Expert Score: 4.5/5.0)
Progressive receives an Expert Score of 4.5/5.0 from BestGuide’s panel of industry specialists, based on analysis of over 50 expert reviews across 5 evaluation criteria. The company excels in coverage options, scoring 9.5/10 in that category, and is best for tech-savvy drivers seeking a wide range of discounts.
Progressive offers over 12 distinct discounts, placing it above the industry average of 9.
This Progressive review evaluates its standing in the competitive auto insurance sector, where it earns an Expert Score of 4.5/5.0 from BestGuide. As the second-largest auto insurer in the U.S. (behind State Farm), with more than 38 million policies in force as of year-end 2025, Progressive offers a comprehensive suite of products, from basic liability to specialized add-ons. Our analysis focuses on providing a clear answer to the question, “is Progressive auto insurance good?”, by examining its costs, features, and customer feedback.
BestGuide’s rating is the result of synthesizing dozens of independent Progressive reviews from industry experts, customer satisfaction surveys, and financial strength assessments. This process ensures an objective and data-driven evaluation. We found Progressive particularly strong for drivers comfortable using technology to manage their policy and potentially lower their rates.
For those shopping for a new policy, it is beneficial to see how Progressive’s offerings compare to the market. Compare Progressive with other top-rated auto insurance companies to see how it stacks up on price and coverage options for your specific needs.
How Progressive Works
Progressive’s primary service is providing personal and commercial auto insurance directly to consumers online, through agents, or over the phone. The process is designed for speed and convenience, allowing users to get a customized policy in a short amount of time.
Getting a Progressive Car Insurance Quote
Obtaining a Progressive car insurance quote is the first step, and the online process takes an average of 4 to 6 minutes to complete. Users provide information about their vehicle, driving history, and desired coverage levels. A unique feature is the Name Your Price® tool, which allows you to input your budget to see coverage options that fit within that amount, a feature not offered by approximately 80% of competitors.
Managing Your Policy Online
Once a policy is active, customers can manage it 24/7 through Progressive’s website or mobile app. The app holds a high rating of 4.8 out of 5.0 stars in the Apple App Store based on over 550,000 ratings. From the app, policyholders can view ID cards, make payments, report a claim, or request roadside assistance.
Filing a Claim
Progressive allows claims to be filed 24/7 online, via the mobile app, or by calling a representative. After a claim is filed, a claims representative is assigned within 24 hours to assess the damage and guide the policyholder through the repair process. However, customer satisfaction with the claims process has trended below the industry average in recent J.D. Power studies. In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, Progressive scored 673 out of 1,000, compared to an industry average of 700.
Who Progressive Is Best For
Based on our analysis, Progressive auto insurance is best for tech-savvy drivers who want a high degree of control over their policy through digital tools. It is also an excellent choice for budget-conscious individuals and families seeking multiple discounts. Drivers who bundle auto and home policies with Progressive save an average of 5%. Furthermore, drivers with a clean record who are comfortable using the Snapshot telematics program may see additional discounts averaging $146 annually.
Progressive Standout Features
Progressive differentiates itself with several key features designed to save customers money and provide flexibility. These tools are central to the company’s value proposition and are frequently highlighted in positive consumer reviews.
Snapshot Program: This is Progressive’s usage-based insurance (UBI) program that tracks driving habits via a mobile app or a plug-in device. Safe driving behaviors like smooth braking and limited late-night trips can lead to a discount of up to 30%. On average, participants save $146 per year, though about 20% of users experience a rate increase due to risky driving habits.
Progressive Roadside Assistance: Available as an add-on for approximately $16 per vehicle per year, Progressive roadside assistance provides 24/7 help. Services include towing within a 15-mile radius, winching, battery jump-starts, fuel delivery, lockout service, and flat tire changes. This cost is about 15% lower than the average standalone motor club membership.
Discounts and Savings: Progressive offers over 12 types of discounts, which is more than the industry average of nine. Key discounts include Multi-Policy (averaging 5% savings), Multi-Car (averaging 12% savings), and Good Student (for students with a B average or better). The variety of available savings makes it a competitive option for many driver profiles.
Progressive Pros and Cons
| Pros | Cons |
|---|---|
| Extensive Discounts: Progressive offers over 12 distinct discounts, including for safe driving and bundling, exceeding the industry average of 9. | Below-Average Claims Satisfaction: Progressive’s J.D. Power 2025 auto claims satisfaction score of 673/1,000 falls below the industry average of 700, and online complaints often cite delays in claim processing. |
| Strong Digital Tools: The mobile app scores a high 4.8/5.0 stars in the Apple App Store, allowing for easy policy management and claim filing. | Snapshot Can Increase Rates: Approximately 2 in 10 Snapshot users see their insurance rates increase due to driving habits recorded by the program. |
| Broad Coverage Options: In addition to standard coverage, Progressive offers options like custom parts coverage and pet injury protection, covering up to $1,000 in vet bills. | Higher Rates for Some Drivers: Drivers with poor credit may see rates up to 70% higher than those with excellent credit, a larger penalty than some competitors. |
Is Progressive Legit?
Yes, Progressive is a legitimate and financially stable insurance company. Founded in 1937 and headquartered in Mayfield Village, Ohio, it is one of the largest and most established auto insurers in the United States. The company is publicly traded on the New York Stock Exchange (NYSE: PGR) and, as of year-end 2025, had more than 38 million policies in force across personal and commercial lines. Progressive is led by Tricia Griffith, who has served as President and CEO since July 2016.
Progressive’s financial strength is consistently affirmed by independent rating agencies. A.M. Best, a leading credit rating agency for the insurance industry, gives Progressive an A+ (Superior) rating. This high rating indicates a superior ability to meet ongoing insurance obligations to its policyholders, confirming its reliability and stability.
Concerns like “is progressive direct legit” are common, but Progressive Direct is simply the company’s direct-to-consumer sales channel. It operates under the same corporate umbrella and offers the same financially-backed policies as those sold through Progressive’s network of independent insurance agencies.
Progressive BBB Rating and Accreditation
The Progressive Corporation’s headquarters profile with the Better Business Bureau Serving Greater Cleveland holds a B- rating and is not BBB accredited. The BBB cites “failure to respond to 11 complaint(s) filed against business” as the primary reason for this rating. The BBB file for the Mayfield Village headquarters was opened in 1956, and the company has been operating since 1937 (incorporated February 4, 1965). Over the past three years, the BBB has logged 5,561 complaints against Progressive’s headquarters profile, with 1,813 closed in the most recent 12 months. The BBB customer review score is 1.08 out of 5 stars based on 2,088 reviews, which is common for large insurance companies where dissatisfied customers are more likely to post reviews. BBB customer reviews do not factor into the formal BBB letter-grade rating and should be considered alongside other indicators such as A.M. Best financial strength ratings and NAIC complaint indices.
Progressive Cost: What You Should Expect to Pay
The cost of Progressive car insurance varies significantly based on factors like location, age, driving record, and coverage levels. However, based on 2024 to 2025 national data, the average annual premium for a full coverage policy from Progressive is approximately $2,060. For minimum coverage, the average cost is around $650 per year. This places Progressive’s full coverage rates roughly in line with or slightly below the national average for full coverage (around $2,100), making it a competitively priced option for many drivers.
Final Verdict: Progressive Review
Progressive earns an Expert Score of 4.5/5.0, solidifying its position as a leading choice for auto insurance. The company’s key strengths lie in its wide array of discounts (12+), robust digital tools with a 4.8-star rated mobile app, and competitive pricing that sits roughly in line with the national average for full coverage. The Snapshot program offers a significant savings opportunity for safe drivers, averaging $146 per year.
However, potential customers should consider the drawbacks identified in our Progressive review and other consumer reviews. The Snapshot program carries a risk of a rate increase for about 20% of users, and the company’s J.D. Power claims satisfaction score of 673 out of 1,000 in 2025 fell below the industry average of 700. The BBB headquarters profile also reflects a B- rating tied to complaint-response history. Despite these points, Progressive’s financial stability (A+ A.M. Best rating) and extensive coverage options make it a reliable and versatile provider for a broad range of drivers.
See our full Buyers Guide for the best auto insurance companies before making your decision.
Frequently Asked Questions
What do experts say about Progressive?
BestGuide’s expert panel gives Progressive an Expert Score of 4.5/5.0, highlighting its excellent coverage options (rated 9.5/10) and extensive discount availability (over 12 options). It is consistently recognized for its strong digital platform and competitive pricing.
Is Progressive auto insurance good in 2026?
Yes, Progressive is considered a good option in 2026, particularly for tech-savvy drivers. It maintains a strong A+ financial rating from A.M. Best and offers average annual full coverage rates of approximately $2,060, roughly in line with the national average.
How does Progressive compare to other auto insurance companies?
Progressive competes well on price and digital features, with an app rating of 4.8/5.0 in the Apple App Store. However, its claims satisfaction score from J.D. Power (673/1,000 in 2025) fell below the industry average of 700, trailing leaders like Erie and State Farm in that specific category.
What is Progressive’s BBB rating?
The Progressive Corporation headquarters profile with the BBB Serving Greater Cleveland holds a B- rating and is not BBB accredited. The BBB cites failure to respond to 11 complaints as the reason for the rating. Customer reviews on the same profile average 1.08 out of 5 stars from 2,088 reviews, though BBB customer reviews do not directly affect the letter-grade rating.
Does Progressive auto insurance cover rental cars?
Yes, if you have collision and comprehensive coverage on your policy, it typically extends to a rental car for personal use in the U.S. and Canada. For an additional cost of about $50 per year, you can also add rental car reimbursement coverage, which pays for a rental while your car is being repaired after a covered claim.
How to cancel Progressive insurance?
To cancel your Progressive policy, you must call their customer service line at 1-866-416-2003. You cannot cancel a policy online or through the mobile app. Be prepared to provide your policy number and the desired cancellation date.
Is Progressive Snapshot worth it?
For safe drivers, Progressive’s Snapshot can be worth it, with an average reported savings of $146 per year. However, approximately 2 out of 10 drivers who use Snapshot actually see a rate increase due to driving habits like hard braking or late-night driving.
What is Progressive auto glass coverage?
Progressive’s auto glass coverage is part of its comprehensive insurance. If you have comprehensive coverage, glass repair is often covered with no deductible. For a full windshield replacement, you would typically pay your comprehensive deductible, which commonly ranges from $250 to $1,000.