Progressive Insurance Review: Car, Home, Renters, Bike
Editor's Rating
Progressive is a dependable option for auto and motorcycle insurance. While it isn't typically the cheapest option, Progressive's range of features and discounts make it a good insurance company to consider.
On the other hand, Progressive's homeowners and renters insurance coverage is lacking. The company charges extra for some of the basic coverage options that most other companies automatically include. Other companies tend to offer better coverage and service at a better rate.
Editor's rating breakdown | |
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| Auto | |
| Home | |
| Renters | |
| Motorcycle | |
Is Progressive insurance good? Our thoughts
Auto insurance: Progressive's car insurance rates are average for most drivers. But, there's nothing unique about Progressive car insurance.
Progressive is the largest auto insurance company in the U.S. It offers discounts and coverage options that you would expect from a major national insurance company.
Home insurance: There are a lot of companies that offer cheaper home insurance than Progressive. Most homeowners can find better coverage elsewhere.
Progressive's basic home insurance policy doesn't include as much liability coverage as most other companies. In addition, it doesn't offer many ways to increase the protection for your home and belongings.
Compare Progressive to other top companies | |
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Renters insurance: Progressive has cheap renters insurance rates. But, its basic policy doesn't have as much liability protection as other companies. You can add this protection to your policy for an extra fee. But, there aren't many other ways to customize your policy.
Motorcycle insurance: Progressive motorcycle insurance is a great option for many riders. It offers cheap rates and includes extra coverage for custom parts in its basic policy.
Progressive also offers lots of ways to upgrade your motorcycle insurance coverage. That makes it a great choice for people with custom bikes.
Overall, Progressive's customer service isn't exceptional. You'll likely experience long phone wait times and a lot of back and forth before a claim is paid.
Progressive auto insurance
Progressive auto quotes
Car insurance quotes from Progressive are between 3% and 4% more expensive than average for most drivers.
However, Progressive has affordable rates for drivers with a DUI. A full coverage policy is $197 per month, which is 26% cheaper than average.
Find the Cheapest Car Insurance Quotes in Your Area
On the other hand, young drivers will find Progressive's rates to be on the high end. Rates for a minimum coverage policy from Progressive are 27% more expensive than average for an 18-year-old driver. Full coverage quotes from Progressive are also expensive for an 18-year-old — 37% higher than average.
Monthly car insurance quotes: Progressive vs. competitors
Minimum coverage
Full coverage
Full coverage with a DUI
Company | Monthly rate | ||
|---|---|---|---|
|
| State Farm | $41 | |
|
| Geico | $52 | |
| American Family | $53 | |
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| Progressive | $63 | |
| Travelers | $63 | |
USAA is only available to military members, veterans and their families.
Minimum coverage
Company | Monthly rate | ||
|---|---|---|---|
|
| State Farm | $41 | |
|
| Geico | $52 | |
|
| American Family | $53 | |
|
| Progressive | $63 | |
|
| Travelers | $63 | |
USAA is only available to military members, veterans and their families.
Full coverage
Company | Monthly rate | ||
|---|---|---|---|
|
| State Farm | $99 | |
|
| American Family | $140 | |
|
| Geico | $140 | |
|
| Travelers | $146 | |
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| Progressive | $156 | |
USAA is only available to military members, veterans and their families.
Full coverage with a DUI
Company | Monthly rate | ||
|---|---|---|---|
|
| Progressive | $197 | |
|
| Travelers | $218 | |
|
| American Family | $229 | |
|
| State Farm | $277 | |
|
| Allstate | $291 | |
USAA is only available to military members, veterans and their families.
Progressive auto insurance coverage options
Progressive offers all the standard auto insurance coverages you'd expect, like liability coverage to help pay for damage you cause. You can choose full coverage insurance with comprehensive and collision coverage to protect your own car against damage.
Progressive also offers several coverages that you can add to your policy if you pay a bit more.
Gap insurance
Progressive gap insurance will help pay the difference between your balance on a loan or a lease and your car's value if it's totaled in an accident.
Progressive calls this coverage loan/lease payoff, and it's important if you have a new car. Your collision coverage will typically only cover the cost of your car up to its actual cash value. That may be less than what you owe on a loan or lease.
Progressive limits its gap insurance coverage to 25% over your vehicle's actual cash value. Not all companies have this limit.
Rental car reimbursement
Progressive rental reimbursement will help pay for a rental car if your vehicle is damaged in a covered accident. Progressive will typically pay between $40 and $60 per day for a rental car that's similar to your own.
Roadside assistance
Roadside assistance from Progressive will pay for towing, lock-out service, gas and fluid delivery, flat tire changes and other emergency services if you're stranded on the side of the road.
Custom parts and equipment coverage
Custom parts and equipment (CPE) coverage from Progressive is a good idea if your car has aftermarket parts. This coverage can help protect stereos, navigation systems, wheels, grilles and other custom parts you've added to your car. Progressive custom parts coverage typically has a $5,000 limit.
Deductible savings bank
Progressive deductible savings bank will lower your deductible by $50 for every six-month period that you avoid making a claim. Other car insurance companies call this a vanishing or diminishing deductible.
Rideshare coverage
Rideshare insurance helps cover the gaps between your personal auto insurance policy and the protection offered by the company you're driving for. Progressive offers rideshare insurance in 39 states and Washington, D.C.
Mexico insurance
Progressive Mexico insurance offers protection to people driving across the border. You'll need special insurance to drive legally in Mexico, whether you go there regularly for business or are taking a short vacation.
Does Progressive have accident forgiveness?
Progressive has a unique accident forgiveness program. It automatically includes some protection for new customers in most states, which helps keep your car insurance rates from going up if you cause a small accident.
Progressive breaks accidents into two categories:
- Small accident forgiveness is included for most new customers. Progressive considers an accident small if the claim is less than $500.
- Large accident forgiveness is automatically included for Progressive customers who have been insured with the company for more than five years. It only applies to drivers who haven't filed a claim in five years or more. Large accident forgiveness will keep your rates the same even if the claim is more than $500.
Some drivers can also purchase accident forgiveness from Progressive when they buy a policy.
Progressive's accident forgiveness program can come in very handy if you cause an accident. Without accident forgiveness, full coverage rates from Progressive go up by 53% after an at-fault accident. That's an average increase of $82 per month.
Progressive auto discounts
Progressive offers lots of discounts to drivers. It also has a program called Snapshot, where customers can earn a discount by practicing safe driving habits.
List of Progressive discounts
- Online quote discount: Save around 7% when you get a quote online and then purchase on the phone.
- Sign online discount: Save around 9% when you sign your insurance documents online.
- Multipolicy discount: Save around 5% when you have more than one policy with Progressive, like home, renters, motorcycle or RV insurance.
- Multicar discount: Get a discount of around 12% when you insure multiple vehicles with Progressive.
- Continuous insurance discount: Get a discount based on how long you've been with your previous insurance company.
- Homeowner discount: You can get a discount of around 10% if you own a home, even if it's not insured with Progressive.
- Auto payment or pay-in-full discount: Earn a discount when you pay your entire premium up front or sign up for automatic payments.
- Paperless discount: Get a discount when you agree to receive policy documents and bills via email.
- Teen driver discount: Add your child to your policy and receive this discount if they are under 18 years old.
- Good student discount: Get a discount of around 10% if you have a student on your policy who has a "B" average or better.
- Distant student discount: Get a discount if you have a child on your policy who is away at college and doesn't have a car at school.
Progressive Snapshot discount
Progressive Snapshot is a program that uses a device or mobile app to track your driving habits. Good drivers can earn an average discount of $146 per year.
If you sign up when you buy a new Progressive policy, you'll get a sign-up discount of around $25. You can either plug the Snapshot device into your car's diagnostic port or download the mobile app to your phone. Progressive will then track information like how much you drive, the time of day you drive and your braking habits.
Drivers who show safe habits will receive a discount. However, your rate can also increase if you have unsafe driving habits. Progressive says that two out of every 10 drivers end up with a higher rate rather than a discount.
Progressive homeowners insurance
Progressive home insurance quotes
Progressive home insurance costs around $1,877 per year, which is 6% more expensive than average.
Find Cheap Homeowners Insurance Quotes in Your Area
Homeowners can find cheaper rates from many other national insurance companies, including American Family, Farmers and State Farm. Home insurance from the cheapest major company, American Family, costs $671 per year less than Progressive.
Progressive home insurance quotes vs. competitors
Company | Annual rate | ||
|---|---|---|---|
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| American Family | $1,206 | |
| Farmers | $1,293 | |
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| State Farm | $1,517 | |
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| Allstate | $1,585 | |
| Nationwide | $1,624 | |
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| Progressive | $1,877 | |
USAA is only available to military members, veterans and their families.
Progressive's online quoting tool makes it difficult to compare its rates with competitors. That's because it doesn't allow you to customize your policy limits.
When you enter your address, Progressive estimates the value of your home. It uses that information to provide you with a range of prices from its partners in your area.
Before you're quoted a price, Progressive asks if you'd prefer to spend less money on your policy or get more coverage. This is the only way to customize your quote. If you choose more coverage, for example, your limits and rate will be higher.
You have to speak to an agent to make any changes to the quote. That includes changing your liability and medical payments coverage limits or your deductible.
Progressive home insurance coverage
Progressive's homeowners insurance provides standard protection for your home's structure, your personal property and loss of use expenses if your home is damaged and you can't live there during repairs. You also get coverage for other structures on your property and protection if a guest is hurt in your home.
Progressive doesn't offer many ways to customize your coverage. And the liability coverage you get with Progressive doesn't come with as much protection as other home insurance companies offer.
While personal liability is included with any home insurance policy, you have to add on liability for personal injury. Personal injury liability is included in most standard home insurance policies. It covers lawsuits involving slander or libel, wrongful eviction and false arrest, which may be more expensive than other suits.
The only other optional coverage from Progressive is water backup protection. This helps pay for damage caused by backed-up pipes or sewers, or a broken sump pump. It doesn't offer other common coverage options like identity theft protection or extra coverage for valuable items.
Progressive home insurance discounts
The discounts that come with Progressive home insurance vary depending on your location and which partners operate in your area. Along with bundling auto and home insurance, you may be able to save money by:
- Installing alarms in your home
- Buying a home
- Buying a newly constructed home
- Paying your annual bill up front
- Getting a quote 10 days before your new policy starts
- Receiving your policy documents by email
Progressive renters insurance review
Progressive renters quotes
Progressive offers very affordable renters insurance rates, averaging $15 per month. That's 14% cheaper than average.
Find Cheap Renters Insurance Quotes in Your Area
The only company that offers cheaper renters insurance rates than Progressive is Lemonade. At $13 per month, coverage from Lemonade costs around $2 less than Progressive.
Progressive renters insurance rates vs. competitors
Company | Monthly rate | ||
|---|---|---|---|
| Lemonade | $13 | |
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| Progressive | $15 | |
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| State Farm | $17 | |
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| Geico | $21 | |
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| Allstate | $22 | |
Progressive renters insurance coverage
A standard Progressive renters insurance policy includes typical coverage like:
- Personal property protection
- Personal liability insurance
- Medical payments to guests
- Loss of use coverage
Progressive doesn't include personal injury protection in its liability coverage. That means you won't be protected against lawsuits for wrongful eviction, false arrest, slander or libel. If you're worried about these types of lawsuits, you'll have to pay extra to add this coverage to your policy.
In comparison, most insurance companies bundle personal liability and personal injury protection into one comprehensive coverage.
The only other coverage add-on offered by Progressive is water backup coverage. This coverage will help pay for damage to your belongings if your home is flooded by backed-up pipes or sewers.
Progressive doesn't give renters the option to upgrade to replacement cost coverage or add identity theft protection. Both of these options are common with other renters insurance companies.
Progressive renters discounts
Progressive offers renters a handful of common discounts.
- Purchasing renters and auto insurance from Progressive
- Paying your annual bill up front
- Getting a quote three days before your new policy starts
- Receiving your policy documents via email
Renters who live in a gated community with a security guard, remote or keyed entry can earn an additional discount from Progressive.
Progressive motorcycle insurance reviews
Progressive motorcycle quotes
Progressive motorcycle insurance costs about 14% less than the national average cost.
Find Cheap Motorcycle Insurance Quotes in Your Area
Nationwide and Geico charge a few dollars less per month than Progressive for motorcycle insurance. But Progressive has lots of coverage options that may make it worth it for some riders.
Progressive motorcycle insurance rates vs. competitors
Company | Monthly rate | ||
|---|---|---|---|
|
| Nationwide | $49 | |
|
| Geico | $51 | |
|
| Progressive | $52 | |
| Markel | $69 | |
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| Allstate | $71 | |
| Dairyland | $73 | |
It's easy to compare motorcycle insurance quotes with Progressive's online quote form. As long as you know basic information about your motorcycle, like its make and model, it takes about five minutes to get a quote.
Progressive motorcycle coverage
Progressive is one of the best motorcycle insurance companies for riders who need extra coverage.
Progressive's motorcycle insurance comes with the basic coverages you'd expect. That includes liability coverage for if you cause a crash and protection for damage to your own bike. A basic Progressive policy also includes full replacement cost. That means your bike will be returned to pre-accident condition, regardless of any wear and tear.
Riders who buy comprehensive and collision coverage automatically get:
- $3,000 of protection for custom parts and accessories
- Original manufacturer parts, or the best parts available, if the bike has to be fixed after an accident
In addition, you can customize your policy by adding extra protection.
Total loss coverage
Total loss coverage will replace your bike with a brand new model if it's totaled in an accident. This coverage is only available for a bike that's less than one model year old.
Roadside assistance
Roadside assistance and trip interruption will pay to tow your bike if it breaks down on the side of the road. If you're on a road trip, this coverage will also pay up to $500 for your hotel, meals and transportation while your bike is being repaired.
Carried contents coverage
Carried contents coverage will replace any personal belongings damaged in an accident, like your cellphone or camping gear.
Custom parts coverage
Extra accessories and custom parts coverage will protect aftermarket upgrades to your bike up to $30,000.
Enhanced injury protection
Enhanced injury protection will pay up to $250 per week for two years if you're hurt on your bike and can't work. It will also pay your family $25,000 if you're in a fatal crash.
Disappearing deductible
Disappearing deductible lowers your deductible by 25% for each policy period that you remain claim-free.
Progressive motorcycle discounts
Progressive offers more motorcycle insurance discounts than most other companies. Most are fairly easy to get, like discounts for:
- Switching from another insurance company
- Getting a quote one day before your policy's start date
- Carrying a valid motorcycle license or endorsement
- Avoiding accidents for three years or longer
- Paying for your policy in full, on time or with automatic payments
- Having a Harley Owners Group (HOG) or USAA membership
- Buying auto, home, renters, boat or RV insurance from Progressive
- Completing a motorcycle safety course
In addition, riders who are 45 years old with more than three years of riding experience can get a Safe and Steady Rider discount. This discount is only available if you haven't had any accidents or tickets in the last three years.
Progressive customer service reviews and complaints
Progressive is a middle-of-the-road company when it comes to customer service and claims processing.
Progressive's reviews often criticize the company for having a slow claims process. That's one factor that contributed to its low scores on J.D. Power's annual auto, home and renters customer satisfaction surveys. Amica, State Farm and American Family all received much higher scores from J.D. Power.
However, Progressive tends to get fewer complaints than expected based on its size, according to the National Association of Insurance Commissioners (NAIC). That means customers are generally satisfied with the service they receive, even if it's not exceptional.
J.D. Power
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NAIC
| |
|---|---|---|
| Car & motorcycle | 17th out of 22 | 35% less than average |
| Home | 16th out of 20 | 25% less than average |
| Renters | 10th out of 12 | 25% less than average |
Progressive is in great financial health, meaning that customers shouldn't worry about its ability to pay out claims. It earned an A+ financial strength score from AM Best.
Contact Progressive
There are multiple ways for customers to contact Progressive. To get a quote, report a claim and ask questions about your policy, you can:
- Call the general Progressive customer service phone number at 888-671-4405
- Use the live chat feature on the Progressive website
- Send an email through the Progressive website
You can also manage your policy using the Progressive app or by logging into its online portal. Either option allows you to file a claim, contact roadside assistance, view your policy documents and access your insurance card.
Frequently asked questions
Does Progressive offer gap insurance?
Yes, Progressive offers gap insurance for drivers with a loan or lease on their car. It also has other common coverage options like rental reimbursement and accident forgiveness.
How much is Progressive car insurance?
Full coverage insurance from Progressive costs around $156 per month, which is 3% more expensive than average. Minimum liability from Progressive costs 4% more than average at $63 per month.
Is Progressive home insurance good?
Progressive home insurance may be a good choice for people who don't need much coverage and want to bundle their home and auto policies.
Progressive's home insurance prices are higher than average, and its basic policy has less protection than other companies. But Progressive receives fewer complaints than expected for its size, so customers are generally satisfied with the service they receive.
Is Progressive auto insurance good?
Progressive auto insurance is a good choice for drivers looking for a large national company. However, you can probably find better rates and a more reliable customer service experience with State Farm, Geico or American Family.
How do I file a claim against a Progressive customer?
Drivers who were in an accident with a Progressive customer can file a claim on Progressive's website or call the Progressive claims phone number, 888-671-4405.
Methodology
To compare Progressive's auto insurance prices with its competitors, we collected rates from ZIP codes across all 50 states in the U.S. Rates are for a 30-year-old single man with a good credit score and clean driving record who owns a 2015 Honda Civic EX.
Full coverage and DUI quotes are for a policy with higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist coverage: $50,000 per person and $100,000 per accident
- Personal injury protection or medical payments coverage: $5,000 or state requirement
- Comprehensive and collision deductibles: $500
To compare Progressive's homeowners insurance quotes, we collected rates for every ZIP code across 6 states . Rates are based on the median home age and value for each state. For example, the median home in California was built in 1975 and has a value of $505,000. Median home values were used to estimate the rebuild cost in each state.
To compare Progressive's renters insurance quotes, ValuePenguin gathered rates from the five largest cities in California. Rates are for a 25-year-old man who lives alone with no history of insurance claims.
Quotes include:
- $30,000 of personal property coverage
- $100,000 of liability coverage
- $5,000 of medical payments coverage
- $500 deductible
To analyze Progressive's motorcycle insurance rates, we gathered thousands of quotes from all 50 states and six major companies. Quotes are based on a 45-year-old male rider shopping for a full coverage policy, which includes higher liability limits than required by each state, along with comprehensive and collision coverage.
- Bodily injury liability coverage: $100,000 per person and $300,000 per accident
- Property damage liability coverage: $50,000
- Comprehensive and collision deductibles: $500
Auto and home insurance rates were collected using insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.