Progressive Auto Insurance Review

WRITTEN BY: Amelia Ciffone


About Progressive

Founded in 1937, this American insurance company is one of Northern America’s largest car insurance providers. However, their book of business includes far more than just vehicles.

They also insure motorcycles, boats, and recreational vehicles and offer home insurance as well, though those policies are written through other insurance companies.

Progressive offers insurance internationally, as well as in Australia, but they are still currently headquartered in the United States.

Their headquarters remains in Mayfield Village, Ohio. Tricia Griffith is the President and CEO and has been 2016 following her strides within the company for diversity and inclusion practices in the workplace.

As of 2019, they are ranked 99th on the Fortune 500 list of largest US corporations by annual revenue.

Satisfaction Ratings

  • BBB Rating: B-
  • Consumer Reports Rating: Very Satisfied
  • JD Power Rating:  3 / 5 


  • Well established & reputable
  • Mid-high satisfaction for customer service
  • Offers wide coverage in most states
  • Easy-to-use online quote tool


  • Often pricier than other companies
  • Only Average satisfaction in claims resolution
  • Telematics discount requires full 6 months of installation before the customer gets discount
  • Many discounts only last 6 months to a year

Policies Offered

Here are some of the types of coverages offered by Progressive:

Liability – This coverage is legally mandatory for any vehicle on the road, as it covers medical costs if people are hurt in an auto accident. Progressive offers pre-packaged options or the freedom to choose your own limits for your policy. 

Collision – This coverage is for any property damage done as a result of a collision, as the name implies. That could be car-on-car, or car-on-tree, car-on-fire-hydrant, etc. Regardless, this is the coverage that helps the repairs get done. Progressive offers a variety of deductible levels to choose from.

Comprehensive – If it’s not a collision,  it likely is comprehensive. Scratched paint? Stolen car? Broken glass? All of those are comprehensive claims. With Progressive, you can choose your deductible from a variety of options. Depending on your state, your glass coverage may have a separate or no deductible.

Upgrades and Addons

Here are some of the upgrades and extra features you can add to your policy:

Rental Reimbursement – This covers the cost of a rental car while yours is in the shop. 

Roadside Assistance – In case you accidentally lock yourself out of your car (again), Progressive offers additional Roadside Assistance. Or maybe you forgot to fill up and ran out of gas? Tire blow? If you’re stuck on the side of the road, they’ll get you some assistance.

Lien Payoff – There’s even an add-on for paying off your vehicle’s loan if it gets totaled in a covered accident! Restrictions and a deductible still apply.

Available Discounts

You can earn discounts with the following Progressive programs:

Paperless – Start a policy online and choose the paperless option to receive two discounts!

Good Student – Have a young driver in the house? If they are a good student and have a report card to show for it (any from the last 6 months will do), then they could qualify for a discount.

Safe Driver – No points on your license? No unpaid parking tickets? That’s what insurance companies love to see, and Progressive thanks you for it with an additional discount.

Multi-Car – Have a few cars out front? Insure them all with Progressive and they’ll give you a sizable discount on your auto policy.

Special Programs

These special programs and benefits are available from Progressive:

Snapshot – Progressive offers up to a 30% discount for participants of their Snapshot program. Drivers install a wireless device into their vehicle, and Progressive monitors safe driving habits for 30 days. After that, you return the device and they determine your final discount. 

Bundling Policies – Have a car and home to cover? Then Progressive wants to cover you! They offer bundling programs for customers with multiple policies, and some can include sizable discounts.

What You Need to Apply

Have this information on hand to get a fast, accurate quote:

Name & Birthday – If you’re shopping for yourself, then this is you. Progressive, like all insurance companies, looks at your driving record to determine premium.

Address They want to know where the car is going to be parked at night, and where it will spend most of its time. Believe it or not, different zip codes can have different rates, even next. 

Vehicle Info – An estimate is fine, but the closer you can be, the more accurate your quote will be. You’ll need the year, make, and model of the vehicle (or, for the most accuracy, the VIN).

S.S.N. – The social security number of the person who is going to own the policy. If you’re shopping for yourself, this one’s you too. You or your spouse will work if you’re looking for a family plan.

Current Insurance Info – Even if you already have insurance through someone else, Progressive wants to check on that history and see what problems have come up in the past. You’ll just need the name of your previous company and your current liability limits.

Email – Of course, with an online quote, they will want to contact you via email. That will also be the way you potentially set up your account and policies.