Progressive Auto Insurance Review for 2025 (+Rates & Discounts)
This Progressive auto insurance review covers everything from $50 monthly rates to Snapshot’s 30% discount, plus perks like accident forgiveness, roadside assistance, and the Name Your Price tool. If you’re comparing options, Progressive auto insurance gives flexible, tech-forward coverage worth considering.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: Jun 27, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 27, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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13,283 reviews
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Progressive Insurance
Monthly Rate
$105A.M. Best:
A+Complaint Level:
MedPros
- Customizable with Snapshot Program
- User-friendly mobile app tools
- Built-in accident forgiveness included
- Name Your Price flexibility
Cons
- Below-average satisfaction scores
- Delays in claim payouts
- Fewer local agent options
If you’re considering switching providers, this Progressive auto insurance review breaks down everything you need to know about cost, coverage, and discounts.
Progressive Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.3 |
| Business Reviews | 4.0 |
| Claims Processing | 3.5 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.2 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.4 |
| Plan Personalization | 4.5 |
| Policy Options | 5.0 |
| Savings Potential | 4.6 |
Progressive auto insurance review shows rates starting around $50 per month, with pricing shaped by your age, driving record, and location.
It covers liability, collision, and comprehensive coverage, plus perks like accident forgiveness and the Snapshot program that can save you up to 30%. You can also stack discounts by bundling policies and using tools like Name Your Price to match your budget.
- Progressive offers Snapshot and Name Your Price for flexible, custom savings
- Bundling with Progressive can cut costs by over 20% on home and auto policies
- Progressive auto insurance review shows rates starting as low as $50 monthly
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
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Progressive Auto Insurance by Age & Gender
If you’re trying to get a real feel for how Progressive auto insurance prices shift depending on your age, gender, and coverage level, this breakdown lays it out clearly. Teen drivers—especially 16-year-old males—see the steepest rates, with minimum coverage starting at $467 and full coverage topping $1,161, reflecting how Progressive auto insurance coverages adjust to different risk profiles.
Progressive Auto Insurance Monthly Rates by Driving Record| Driving Record | Minimum Coverage | Full Coverage |
|---|---|---|
| Clean Record | $56 | $150 |
| One Ticket | $74 | $199 |
| One Accident | $98 | $265 |
| One DUI | $75 | $200 |
That’s no surprise, considering how insurers weigh risk at younger ages. But the shift becomes noticeable by the time drivers hit their 20s. A 25-year-old female pays just $74 for minimum coverage compared to $440 at age 16, which is why using the Progressive auto insurance online quote tool can help you track how rates improve with age.
Males generally pay a bit more at every age tier, but the gap narrows with age. This table shows how Progressive adjusts pricing not only based on coverage level but also on risk profiles tied to age and gender—something worth reviewing if you’re weighing the best time to buy a new car and plan your insurance costs accordingly.
Progressive Auto Insurance Rates & Driving History
Progressive’s rates fall right in the middle—less expensive than Allstate, Farmers, and Liberty Mutual auto insurance but a bit higher than what you’d get from Geico, Erie, or Travelers. It strikes a fair balance between price and a name people trust.
Progressive vs. Top Competitors: Auto Insurance Monthly Rates
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $56 | $150 |
 | $87 | $228 |
 | $62 | $166 |
 | $32 | $84 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $47 | $123 |
 | $53 | $248 |
Full coverage is where Progressive becomes more competitive, with a $150 monthly rate that beats Allstate, Liberty Mutual, and Travelers, making it worth starting with a Progressive quote if you’re comparing options.
Looking at rates by driving history, Progressive charges $56 monthly for minimum coverage with a clean record, which jumps to $74 with one ticket, $98 after one accident, and $75 with a DUI. Full coverage ranges from $150 for a clean record to $265 after an accident.
If you’re filing a claim with Progressive, use the app or online portal—it speeds up scheduling your inspection and gets your payout process started right away.
Michelle Robbins Licensed Insurance Agent
While rates increase with violations, Progressive still prices lower than some rivals, even when factoring in risk, making it a flexible option for both low-risk and higher-risk drivers.
Progressive Auto Insurance Rates by Credit Score
When it comes to how your credit score affects your car insurance rate, Progressive lands around the middle of the pack. Drivers with good credit can expect to pay about $155 per month with Progressive, which is slightly more than Geico at $137 or Erie at $140, but less than Liberty Mutual at $165.
Progressive Auto Insurance Monthly Rates vs. Top Competitors by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $155 | $181 | $267 |
| $160 | $187 | $278 |
| $145 | $169 | $244 |
| $140 | $162 | $239 |
| $158 | $183 | $270 |
| $137 | $159 | $232 |
| $165 | $190 | $285 |
| $148 | $172 | $250 |
| $142 | $165 | $240 |
| $150 | $174 | $260 |
If your credit falls to “fair,” Progressive’s average rate rises to $181—more than American Family and Erie Insurance but less than Liberty Mutual and Allstate. With poor credit, it increases to $267, which is lower than Liberty Mutual’s $285 and Allstate’s $278, though still above Geico and Erie.
The table makes it clear that while Progressive isn’t always the cheapest, it remains competitive, especially for drivers with decent or improving credit. It’s a solid middle-ground option—not the lowest, not the highest—with pricing that reflects a balance of value and risk in how Progressive evaluates your credit profile.
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Progressive Auto Insurance Rates by Driving Record
Looking at how Progressive stacks up against competitors when it comes to driving records, its pricing stays fairly middle of the road but still competitive, especially if you don’t have a clean slate. If your record is spotless, Progressive charges around $150 a month, which is more affordable than Allstate or Liberty Mutual but higher than Geico and Erie.
Progressive Auto Insurance Monthly Rates vs. Competitors by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $150 | $199 | $265 | $200 |
| $228 | $268 | $321 | $385 |
| $166 | $194 | $251 | $276 |
| $83 | $100 | $118 | $153 |
| $198 | $247 | $282 | $275 |
| $114 | $151 | $189 | $309 |
| $248 | $302 | $335 | $447 |
| $164 | $196 | $230 | $338 |
| $123 | $137 | $146 | $160 |
| $141 | $192 | $199 | $294 |
Once a ticket or accident enters the picture, Progressive’s rates climb to $199 and $265, respectively, still landing below Liberty Mutual and Farmers Insurance, but above Erie’s impressively low rates. Even with a DUI on record, Progressive sits at $200, which is significantly more forgiving than Allstate at $385 or Liberty Mutual at a steep $447.
So if you’ve had a bump or two in your driving history, Progressive is less likely to punish you with extreme rate hikes compared to many of the big names on the list. That balance makes it a solid option for drivers needing flexibility after a ticket, accident, or even a DUI.
Progressive Auto Insurance Discounts
Progressive offers clear, percentage-based discounts that can make a noticeable impact on your monthly premium. The list of Progressive discounts includes up to 31% off for defensive driving, 30% for safe or low-mileage driving, 25% for anti-theft devices, and 15% for military personnel.
Progressive Auto Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Defensive Driving | 31% |
| Good Driver | 30% |
| Low Mileage | 30% |
| Anti-Theft | 25% |
| Military | 15% |
| Multi-Car | 12% |
| Bundling | 10% |
| Good Student | 10% |
| Safe Driver | 10% |
| Safety Features | 10% |
| UBI | 13% |
If you insure more than one vehicle with Progressive, you’ll get a 12% multi-car discount. Bundling policies like home and auto, having safety features, or being a good student each earn a 10% cut.
There’s also a 13% discount for those using Progressive’s usage-based insurance (UBI) tool. These discounts are not marketing fluff—they are specific, additive savings that directly reduce your costs.
Progressive Auto Insurance Ratings & Reviews
This is how Progressive performs across major consumer and industry rating agencies, giving you a clearer picture of its strengths and shortcomings. The Progressive A.M. Best rating of A+ reflects strong financial stability, meaning the company is well-positioned to pay claims when needed.
Progressive Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: A+ Superior Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 72/100 Avg. Customer Feedback |
 | Score: 672 / 1,000 Avg. Satisfaction |
 | Score: 1.11 Avg. Complaints |
Consumer Reports rates Progressive at 72 out of 100 based on customer feedback. J.D. Power gives it a 672 out of 1,000, placing it in the average range. The NAIC score of 1.11 shows slightly more complaints than average. Despite that, Progressive remains financially stable, with an A+ from A.M. Best, and is generally reliable for most drivers.
Still, real customer experiences in Yelp—who praised Progressive’s fair handling of her total-loss claim and the helpfulness of her adjuster—show that the company often follows through when policyholders need support the most, which helps explain why it consistently ranks among the best car insurance companies for reliable claims service.
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Progressive Auto Insurance Digital Tools
Progressive keeps things simple—you don’t have to dig through menus or jump through hoops. Whether you’re getting a quote, filing a claim, or paying a bill, it’s all quick and straightforward. If you’re the type who likes to handle things from your phone, the app makes it easy without the usual frustration.
- Progressive Mobile App: The Progressive app lets you access ID cards, file claims, track repairs, and request roadside help 24/7—all in a clean, easy-to-use interface.
- Name Your Price Tool: Lets you set your budget first, and Progressive matches you with coverage that fits—ideal for staying on budget without skipping key protections.
- Snapshot Program: It tracks how you drive and gives you tips to improve—if you drive safely, you could earn up to 30% off your rate.
- Online Claims Tracking: Allows you to upload photos, schedule repairs, and follow updates in real time, cutting out guesswork and making the process more manageable.
- Instant Policy Updates: You can update your Progressive policy online instantly—whether it’s a new car, driver, or address—without calling or waiting for documents.
Progressive’s digital tools aren’t just convenient—they’re reliable, fast, and designed for real-world use. You’re not stuck waiting on a rep to update your info, or guess what you’ll pay, and using them is one of the best tips to pay less for car insurance without sacrificing coverage.
These features make it easier to stay on top of your insurance and give you more control without adding extra work. One of the fun facts about Progressive Insurance is how it pioneered tools like Snapshot to reward safe drivers. If you value simplicity and flexibility, Progressive’s tech delivers both.
Available Discounts From Progressive Insurance
Progressive offers a wide range of discounts, more than most insurers, making it easier for drivers to save in multiple ways. You can stack 5% to 12% in savings just by bundling a property policy—like homeowners, renters, or condo insurance—with your auto coverage.
Safe drivers with clean records over the last three years can knock nearly 30% off their premiums, and starting your quote online adds an average 7% discount. Signing documents electronically saves about $50, and good students with a B average or better also qualify for additional savings. Payment-based discounts are also available if you pay your six-month premium in full or enroll in automatic payments.
Use Progressive’s Snapshot and Name Your Price Tool to customize your coverage and earn savings based on your actual driving habits and budget.
Daniel Young Managing Editor
Progressive goes beyond auto and home insurance—adding life, boat, or umbrella policies unlocks more discounts with no extra steps. The Name Your Price Tool lets you set your budget first, then shows coverage options that match. Since there’s no limit on how many discounts you can stack, it makes sense that 95% of Progressive customers save with at least one.
Coverage Options From Progressive
Progressive doesn’t just offer the bare minimum—you get a full lineup of coverage options that fit different drivers and situations. Whether you’re driving an older car or financing a new one, the coverage can be built around your needs, not just state requirements. For a clearer breakdown of what’s available, think of this as a visual guide to auto insurance tailored to your lifestyle.
- Liability, Collision, and Comprehensive Coverage: Liability covers damage you cause, collision covers crashes, and comprehensive coverage handles non-crash damage like theft or storms.
- Uninsured/Underinsured Motorist Coverage: Pays for your injuries or car repairs if the at-fault driver has no insurance or too little to cover your losses.
- Built-In Accident Forgiveness: Progressive includes accident forgiveness if you’ve been a customer for 4 years and accident-free for 3. Your first at-fault crash won’t raise your rate.
- Snapshot Program for Personalized Rates: Snapshot tracks how you drive and adjusts your rate based on habits. Safe drivers can save up to 30%, while risky driving may increase your premium.
- Optional Coverage Add-Ons for Daily Life: Progressive lets you add coverage for roadside help, rental reimbursement, gap insurance, and custom parts—easy to include and priced fairly.
With Progressive, the coverage is layered, not locked in. You start with the basics, but you can add or tweak pieces based on what makes sense for how you drive and what you want to protect. The range of Progressive auto insurance coverage options is designed to give you control, not upsell you on things you don’t need.
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Why Progressive Stands Out for Modern Drivers
The Progressive auto insurance review points to a company that puts practical features and customer control at the center of its offerings. As one of the top auto insurance companies for good drivers, Progressive uses tools like Snapshot and Name Your Price to give responsible drivers more flexibility in how they choose and manage coverage.
Progressive keeps things simple—from getting a quote to handling a claim, the process is straightforward. Extras like accident forgiveness and custom coverage options make it a strong pick if you want more than just the basics. It’s a solid choice for drivers who care about convenience and flexibility.
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
How does Progressive Insurance rate drivers for their policies?
Progressive rates drivers using a mix of factors, including age, location, vehicle type, driving record, and coverage level. It also incorporates data from programs like Snapshot, which monitors your real-time driving behavior to influence pricing. Safer drivers typically earn lower rates, while frequent hard braking, speeding, or nighttime driving may push rates higher over time.
How does Progressive Snapshot work, and what data does it track?
Snapshot is a telematics program that tracks how, when, and how much you drive. It records things like acceleration, braking, mileage, and the time of day you’re on the road. After a few weeks or months, Progressive uses this data to adjust your rate. Safe drivers can earn up to a 30% discount, while risky driving may cause a rate increase, especially after the monitoring period.
Why is Progressive so cheap compared to other auto insurance companies?
Progressive often appears cheaper because of its aggressive pricing strategy, wide range of discounts, and usage-based programs like Snapshot. It’s frequently listed among the options for the cheapest car insurance, thanks to tools like the Name Your Price Tool that tailor coverage to your budget. Just keep in mind—cheaper rates may reflect higher deductibles or reduced coverage limits unless adjusted manually.
How to get an A+ on Progressive Snapshot and earn the biggest discount?
To maximize your Snapshot savings, avoid hard braking, rapid acceleration, and late-night driving (especially between midnight and 4 a.m.). Consistently driving during daylight hours, sticking to speed limits, and limiting total mileage each week can boost your discount. Drivers who maintain this pattern for the full monitoring period typically qualify for a 15% to 30% reduction on their renewal rate.
Is Progressive good insurance for everyday drivers?
Progressive is a good fit for drivers who value digital access, flexible coverage, and plenty of discount opportunities. It’s especially well-suited for tech-savvy drivers who prefer to manage everything online. While service reviews can vary by region, most users appreciate the Snapshot program, easy policy adjustments, and competitive pricing compared to similar providers.
How is Progressive with claims service and payout timelines?
Progressive has a streamlined process for how to file an auto insurance claim, with most minor claims handled in a few days through its app or website. For simple fender benders, payouts often arrive within 7 days. Larger claims may take weeks, depending on documents and third-party delays. Reviews show faster results through concierge claims centers or preferred shops.
How does the Name Your Price Tool from Progressive actually work?
The Name Your Price Tool helps you build a policy around your budget. You enter your monthly or annual price target, and Progressive adjusts the coverage options—raising deductibles, lowering limits, or removing optional add-ons—to meet that number. It doesn’t guarantee full protection but does make it easier to find affordable plans without starting from scratch.
What is personal protection insurance from Progressive?
Personal Protection Insurance (PIP), also known as no-fault insurance, is offered by Progressive in states that require it. It helps cover medical expenses, lost wages, and sometimes essential services (like childcare) after an accident—regardless of who caused it. In PIP states, this coverage is often mandatory and can be a critical buffer if health insurance has high deductibles or limits.
How long does it take to add a new car to your insurance policy with Progressive?
Progressive gives you 30 days from the date of purchase to add a new vehicle to your policy. During that time, your existing coverage (including liability and, in some cases, full coverage) automatically extends to the new car. However, if your current policy doesn’t include collision or comprehensive auto insurance coverage, the new vehicle won’t be covered for damage until it’s officially added.
How much does Progressive insurance cost on average per month?
Progressive’s monthly auto insurance rates vary widely, but recent data shows an average of $105 per month for full coverage. Minimum coverage can drop closer to $45 per month, depending on your state, age, and driving record. Your final rate may be higher or lower depending on vehicle type, location, and eligibility for discounts.
Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
How much is Progressive roadside assistance without adding it to my policy?
If you don’t add Progressive roadside assistance to your policy, you’ll need to pay out of pocket for each service. Costs can range from $75 to $150 per incident, depending on the service and your location, comparable to calling a local towing company directly. Adding the coverage costs about $10 to $20 per year and covers towing, flat tire changes, jump-starts, and lockout services.
How to cancel insurance with Progressive without penalty?
To cancel your Progressive policy, call customer service or log in online. There’s usually no cancellation fee, unless your state permits one, often around $50 or 10% of your remaining premium. But know what happens if you cancel auto insurance without a replacement: a lapse in coverage can lead to higher rates with other providers.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
