Progressive Insurance Company Review 2022

Progressive Insurance Offers Many Coverage Options, Excellent Ratings, and Highly-Accessible Customer Service.

Trusted Choice's Progressive Insurance Score

5 Stars


Trusted Choice rates Progressive Insurance 5 out of 5 stars. Thanks to its extensive history in the insurance industry, large catalog of insurance products, and excellent ratings by AM Best, customers who shop with Progressive can expect quality coverage and reliable customer service. Progressive also works with a network of more than 38,000 independent insurance agents nationwide to offer a more personalized experience for its customers. We love that Progressive makes itself highly accessible to its customers, and that combined with quality insurance products and outstanding service overall leads us to award the carrier the highest possible rating.

Progressive Insurance Company Pros and Cons:

Progressive Insurance Pros: 

  • Long-standing carrier 
  • More than 80 years of experience 
  • Highly rated by AM Best
  • 24/7/365 customer service  
  • Offers a wide catalog of insurance products
  • Strong financial stability 
  • Coverage available in most states
  • Many discounts offered
  • Offers a mobile app 
  • Offers live chat service

Progressive Insurance Cons:

  • Not a BBB accredited business
  • Some negative customer reviews
  • Poor rating by the BBB

Progressive was founded in 1937, giving the carrier more than 80 years of experience in the insurance industry. Fifty years ago, Progressive became the first insurance company to allow consumers to pay their premiums in installments, a huge milestone for the carrier. Coverage is currently available in 40 states.

The insurance company's original mission was to become the number one choice for auto insurance with both consumers and agents. With its rich history and vast selection of products available, Progressive has earned a reputation as a stable insurance company with a positive outlook for the future. 

Progressive's Insurance Products by Type

Progressive offers a wide selection of insurance products, including:

Vehicle & Auto Insurance

  • ATV/UTV
  • Auto
  • Boat
  • Classic car
  • Golf cart
  • Mechanical breakdown
  • Mexico auto
  • Motorcycle
  • PWC
  • RV/Trailer
  • Segway
  • Snowmobile

Property Insurance

  • Condo
  • Flood
  • Homeowners
  • Home warranty
  • Home security
  • Mobile home
  • Renters

Personal Insurance

  • Dental
  • Electronic device
  • Health
  • ID theft
  • Life
  • Pet
  • Travel
  • Umbrella
  • Vision
  • Wedding and event
Insurance Type: Home Insurance Auto Insurance Life Insurance
Coverages offered: Dwelling, loss of use, personal property, liability Liability, comprehensive, collision, uninsured motorist, roadside assistance Term life, final expense, short-term life, whole life
Discounts available: Bundling, safety and alarm, advanced quotes, new purchase, paperless Bundling, multi-car, safe driver, teen driver, good student No discount information provided
Fast quotes offered: Yes Yes Yes
Required: Maybe, by mortgage lender Yes, specific coverage requirements vary by state No

Progressive Homeowners Insurance

Homeowners insurance from Progressive helps property owners protect their homes against numerous disasters, from fires to break-ins and more. The coverage offered by the carrier is standard, with the typical core protections you expect to find in a homeowners policy. 

Coverage types, features, and benefits:

Loss of use

Progressive's loss of use coverage helps reimburse homeowners who aren't able to stay in their homes during an extensive repair process. Hotel stays and meals are examples of covered expenses.

Personal property

Progressive's personal property coverage offers reimbursement if you need to replace or repair destroyed, damaged, or stolen personal property after a covered disaster like a fire. Insurance riders are also available if you need to "schedule" more valuable items on your policy, like jewelry. 

Dwelling

Progressive's dwelling coverage offers reimbursement if you need to rebuild or repair your house after a covered disaster.

Liability

Progressive's liability coverage is available up to a $500,000 limit to help pay for lawsuit costs if you get charged with a third party's bodily injury or property damage. Medical bills and lost wages for a third party can also be reimbursed with this coverage.

Progressive Home Insurance Average Prices

Progressive makes its homeowners insurance policies highly affordable, no matter where you live. Here are some quotes for policy prices by location. All quotes are for homes less than 2,400 square feet and are based on one specific city's rates in each state listed.

Cost for Progressive Home Insurance by State: Annual Monthly
Pennsylvania $688 $57
California $829 $69
North Carolina $914 $76
Virginia $954 $79
New Jersey $979 $81
Texas $1,716 $143

To get estimates for home insurance pricing for every state, check out our home insurance calculator

Progressive Auto Insurance

Though Progressive now offers a wide range of coverage options, the carrier is perhaps still best known for its auto insurance. The insurance company provides a comprehensive assortment of protection for car insurance customers.

Coverage types, features, and benefits:

Liability

Progressive's auto liability coverage can reimburse for property damage or bodily injury you cause to others with your vehicle, as well as possible lawsuit costs.

Comprehensive and collision

Progressive's comprehensive auto coverage can reimburse for threats to your vehicle other than collision, such as theft, windshield breakage, crashes involving large animals, etc. Collision coverage reimburses for physical damage to your vehicle after an accident, whether you're at fault or not.

Uninsured/underinsured motorist

Progressive's uninsured/underinsured motorist coverage can help pay the costs of your own property damage or injury treatment if another driver causes an accident and carries little or no auto insurance of their own.

Roadside assistance

Progressive's roadside assistance coverage pays for services like towing, fuel delivery, tire changes, and more if your car gets stuck on the road.

Progressive Auto Insurance Average Prices

Progressive's auto insurance rates tend to be cheaper than the national average rates for drivers in each specific age category. Check out some quotes for Progressive's car insurance by driver age below.

Driver Age Average Annual Cost for Progressive Car Insurance
18 $7,812
21 $2,872
25 $1,934
40 $1,695
55 $1,501
75 $1,872

To get an estimate of car insurance pricing per age, state, etc., check out our car insurance calculator

Progressive Life Insurance

Progressive offers four major types of life insurance policies to suit the unique needs of a wide and varying population. 

Coverage types, features, and benefits:

Term life

Progressive's term life policies offer affordable rates and coverage that lasts for a specific increment such as 10, 15, 20, or 30 years.

Final expense

Progressive's final expense coverage, otherwise called burial insurance, is designed to help you cover the costs of your funeral, hospital bills, etc. This type of coverage is permanent and doesn't require a medical exam.

Short-term life

Progressive's short-term life insurance offers coverage for a unique one-year span, in case you need to bridge a gap in your coverage or are new to exploring life insurance options. Policies are available with no medical exam and can be obtained fast. 

Whole life

Progressive's whole life coverage is also known as permanent life insurance because it's a policy built to last your whole life, with a fixed premium rate. This type of coverage also accrues a cash value that you can borrow against at your discretion.

Your independent insurance agent can help you find more information about the coverage offered by Progressive, and help you decide if this insurance company is right for you.

Progressive Life Insurance Average Prices

Progressive's official website lists the prices customers can expect to pay for a term life insurance policy with $250,000 worth of coverage broken down by age range and gender. The rates below demonstrate monthly premiums. 

Price of life insurance

Age Females Males
20 $12.17 $13.48
30 $12.40 $13.48
40 $15.22 $16.31
50 $29.36 $38.24
60 $56.98 $74.82

To get more quotes for all types of life insurance policies broken down by age, location, and more, check out our life insurance calculator

What Discounts Does Progressive Offer?

Progressive offers several competitive discounts on their coverage, including the following:

What Discounts Does Progressive Offer?
  • Bundling discount: Offered to customers who combine their auto and home coverage through Progressive. 
  • Safe driver discount: Offered to customers who have maintained a clean driving record for at least the past three years. 
  • Good student discount: Offered to customers who make good grades in school, typically a "B" average or better.  
  • Online quote discount: Offered to customers who get their quotes online before buying coverage. 
  • Autopayment discount: Offered to customers who have their insurance premium automatically drafted each month.

An independent insurance agent can provide more extensive discount information from Progressive, including the exact percentage you can save with each one on your premiums. When it comes to coverage, independent insurance agents work hard to make sure you get the right insurance for your needs.

Progressive Insurance Customer Service

Progressive offers online support, 24/7/365 phone customer service support and claims reporting. The carrier also provides the following customer service options:

  • Online claims reporting
  • Live chat on website
  • Email contacts
  • Mobile app 
  • Online bill pay 


Hours


Monday-Friday 24/7


Saturday 24/7


Sunday 24/7

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage. 

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Connect with a Progressive Agent Today.

Shopping for insurance? Progressive has you covered.

Progressive Customer Reviews

AM Best, the leading global credit rating agency monitoring the insurance industry, awards Progressive an “A+” rating, indicating the carrier is a superior choice for insurance customers. High ratings from AM Best assure customers that Progressive offers guaranteed, reliable coverage from a financially sound carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

Better Business Bureau

“My car was totaled by a freight truck at full speed on the highway. Progressive handled everything beautifully from processing the claim, to settlement, to issuing new coverage for my replacement vehicle. In the process I was treated with compassion, respect and highest level of professionalism. My life was pieced back together before the bruises from my accident even got a chance to heal. Thanks to this insurer they turned one of my worst events I had ever experienced into something healing and positive. I'll always be grateful."

Better Business Bureau

"Over the last 5 years my car has been rear-ended and then later my car rear-ended someone else. Rates stayed the same, customer service was fine, I don't normally call for quotes as most of my stuff is done online with no help from a rep. I prefer chatting very little. All I see are bad reviews but I've never really had much of an issue"

Clearsurance

"Progressive is a great company! It helps me save money on auto insurance, and the better you drive the more you save."

Clearsurance

“Progressive is great. I did not have my license for a while and they did not charge me more for the fact. Not only that, but they did not force me to buy an SR22 (which I did not need) and they were very understanding when I was late on one payment. The company does not charge a ridiculous amount and they don't inspect your car. If you have a modified vehicle and go to any other insurance, you can assure they will inspect your car and charge double."

Clearsurance

"Progressive offers insurance for just about anything with a motor. Progressive offers a lengthy slate of discounts and a wide range of coverage, including ride share insurance and coverage for pets injured in a car accident."

Progressive Insurance FAQ

Progressive offers claims reporting through a couple of media. Customers can file a claim through the mobile app, online, or by calling the carrier. However, the insurance company does not provide an official claims response time frame promise on their official website. Progressive encourages customers to file claims within 24 hours of an incident.

Progressive allows customers to file claims through their mobile app, online, or via phone. The carrier's customer service department is available 24/7/365, which makes them extremely accessible to customers in need. The insurance company also has a comprehensive social media presence that extends across Facebook, Instagram, YouTube, Twitter, and LinkedIn.

Progressive offers several options for claims reporting. The insurance company details their auto insurance claims process on their official website as follows:

  1. Submit your claim: Start by filing your claim through one of Progressive's many options such as by phone, online, etc. They'll ask you for some basic info during the process. Your independent insurance agent can also do this for you.
  2. Inspection and repair options: A claims rep from Progressive will ask you to choose whether you want to get your vehicle repaired or receive reimbursement. From there, they'll advise on the next steps.
  3. Schedule your repairs: If you choose to get your vehicle repaired, the claims rep schedules the repairs at one of several local shops of your choice.
  4. Your car is repaired: Your vehicle then undergoes the repairs at the shop selected. Shops in Progressive's approved network offer guaranteed repairs as long as your vehicle is owned or leased by you.

If customers have other questions about filing or the claims process itself, they can contact the carrier via phone, online, live chat, email, or get in touch with their independent insurance agent.

Progressive’s official website is highly intuitive and easy to navigate. The carrier provides a lot of information about their claims process and provides several options for claims reporting. The insurance company offers 24/7/365 customer service and a mobile app., which makes for an overall excellent user-friendly experience. 

With excellent ratings through AM Best and customers alike, 24/7/365 customer service availability, a large catalog of insurance products, and a highly user-friendly experience, Progressive has certainly earned a reputation as a good insurance company.

Progressive offers a wide selection of coverages, ranging from specific types of vehicle insurance to homeowners insurance, life insurance, and beyond. Coverage is also offered in 40 states, so many folks across the country with varying insurance needs can find a product that works for them from Progressive.

While your independent insurance agent can help obtain exact quotes for Progressive's home insurance for you, we were able to find a few annual home insurance averages in each of the following states:

  • Pennsylvania: $688 
  • California: $829 
  • North Carolina: $914 
  • Virginia: $954
  • New Jersey: $979 
  • Texas: $1,716 
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