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With over $16 billion in direct premiums written in 2015, Progressive is the 4th largest auto insurance company in the country. Whether you found them online, saw one of their commercials, or got a referral from a friend, Progressive offers low prices and reliable coverage.
They have a network of independent and captive agents across the country to service customers. If you’re considering it for your car insurance coverage, get the insider view with our analysis of its rankings, reviews, benefits, and more.
What Do You Want to Know More About?
- The Pros And Cons of Progressive Auto Insurance
- If Progressive Offers Coverage Near You
- How Much Progressive Auto Insurance Costs
- Progressive Discounts
- How Progressive Ranks In The Industry
- What Customers Think About Progressive
- Where Progressive is Most Popular
- Our Favorite Progressive Features
- Our Recommendation For You
What Do Consumers Like about Progressive?
Name Your Price® tool allows you to customize a plan based on your budget—not the other way around. You should always check the coverage you’re getting. Unfortunately, this does not guarantee the coverage you want at whatever price you want.
Snapshot®. This device attaches to your car and transmits data about your driving activity to Progressive allowing you to save money if you drive safely. It identifies high risk behaviors. Then it warns you when you do it and rewards you when you correct the behavior with long-term discounts on your annual premiums.
Very Accurate Quoting Process.Progressive has 1.5 billion data points they use for an individual assessment one billion more than any other insurance company. That means you’ll only pay what you have to because it will know exactly how you drive.
Fast Claims. Because Progressive has such a wide network, their claims process is faster. They can get you into the repair shop and back on the road faster.
More coverage for high risk drivers. Smaller insurers may not be able to insure you if you have too many tickets or accidents. Simply put, they can’t afford to take on the risk. Progressive’s size put it on J.D. Power’s lists and gives it more flexibility to cover higher risk drivers.
The Drawbacks
Snapshot can increase your rates if your driving habits show you are a high-risk driver. With real-time reporting, Snapshot takes into consideration more than accident history. The number of miles you drive a day, how often you drive late at night, and your acceleration and braking patterns are all assessed when determining your potential risk as a policyholder. The easiest way around this is to use the feedback from Snapshot to improve your driving habits. If you drive during certain hours or more miles for work, this isn’t always possible.
Low Ratings: Progressive’s repair process and high pricing has received negative customer feedback. While they have a wide range of providers and agents, speed can be an issue.
Lack of new car replacement coverage: Coverage used to replace a vehicle when an incident occurs leaving your car totaled.
Where Progressive Insures
Progressive offers high quality coverage in all 50 states and Washington D.C. Get a feel for how it compares price-wise to other auto insurance options in your state.
What Are The Most Popular States to Buy Progressive Car Insurance In?
The percentage of consumers a company calls its customers in a certain state is its “market share.” For example, Progressive is the number one provider of auto insurance in Rhode Island—providing policies to 17.74% of insured drivers. Out of every insurance company in every state, it ranked in the top 10 for all 50 states and D.C. and in the top five in 40 states plus D.C.. The following states are where Progressive ranks in the top five for the percentage of drivers who are its customers:
| Rank | Market Share | |
|---|---|---|
| Rhode Island | 1 | 17.74% |
| Vermont | 1 | 16.13% |
| North Dakota | 1 | 15.31% |
| Wisconsin | 2 | 16.24% |
| Iowa | 2 | 15.68% |
| Wyoming | 2 | 14.8% |
| Minnesota | 2 | 14.33% |
| South Dakota | 2 | 14.3% |
| Maine | 2 | 13.75% |
| Louisiana | 2 | 13.26% |
| Ohio | 2 | 12.82% |
| Nebraska | 2 | 12.59% |
| New Hamshire | 2 | 12.36% |
| Indiana | 2 | 10.16% |
| Colorado | 2 | 10.13% |
| Florida | 3 | 14.02% |
| Montana | 3 | 11.89% |
| Georgia | 3 | 11.25% |
| Oregon | 3 | 10.65% |
| Nevada | 3 | 10.54% |
| Kansas | 3 | 10.24% |
| Arizona | 3 | 9.94% |
| Mississippi | 3 | 9.65% |
| DC | 3 | 9.41% |
| Missouri | 3 | 7.77% |
| Oklahoma | 3 | 7.26% |
| New Mexico | 4 | 10.04% |
| New Jersey | 4 | 9.76% |
| Connecticut | 4 | 7.84% |
| New York | 4 | 7.57% |
| Alaska | 5 | 10.53% |
| Michigan | 5 | 9.43% |
| Texas | 5 | 8.75% |
| Pennsylvania | 5 | 8.58% |
| Washington | 5 | 8.4% |
| Delaware | 5 | 7.82% |
| Utah | 5 | 7.27% |
| Kentucky | 5 | 6.95% |
| Alabama | 5 | 6.88% |
| Arkansas | 5 | 6.2% |
| Tennessee | 5 | 5.98% |
States Where Progressive Sells the Most Policies
Based on its direct premiums written as a result of the sheer number of policies issued, Progressive is the most popular in Florida, Texas, California, New York and Ohio.
| Premiums Written |
|
|---|---|
| Florida | 2,040,314 |
| Texas | 1,427,038 |
| California | 911,047 |
| New York | 869,420 |
| Ohio | 735,857 |
| Michigan | 733,203 |
| Georgia | 705,886 |
| New Jersey | 679,007 |
| Pennsylvania | 649,616 |
| Louisiana | 490,888 |
Progressive Auto Insurance Quotes
We analyzed rates from auto insurance companies across the country to help give you a side-by-side comparison on how much you may pay based on your age, gender, and marital status. Our research indicates that Progressive is typically one of the more expensive companies when comparing it with the four biggest auto insurance providers in the country.
| 25 Single Female | 25 Single Male | 40 Married Female | 40 Married Male | |
|---|---|---|---|---|
| PROGRESSIVE | $1,792.15 | $1,706.16 | $1,220.97 | $1,215.56 |
| FARMERS | $1,029.02 | $1,102.65 | $758.55 | $782.81 |
| ALLSTATE | $1,525.23 | $1,177.18 | $996.09 | $1,007.97 |
| GEICO | $1,235.52 | $984.45 | $874.11 | $1,021.84 |
| STATE FARM | $1,010.65 | $1,204.94 | $981.76 | $1,250.44 |
Age, sex, marital status, and more all go into the quoting process. We looked at similar driving profiles using only one factor to give you an idea of how much Progressive costs on average.
| Progressive's Average Annual Rates | |
|---|---|
| Married Drivers | $1,191.30 |
| Single Drivers | $1,476.20 |
| Teen Drivers | $2,976.65 |
| Drivers in their 20's | $1,909.98 |
| Drivers in their 30's | $1,294.07 |
| Drivers 55 and Over | $957.23 |
* These are real numbers from 2014, but are subject to change in the coming months or years. They are only here to show you how companies stack up against each other. Rates will differ by state.
Progressive Discounts
Why pay more than you need to? Progressive offers a number of money-saving discounts to help you keep your premiums lower. See if you qualify for any of its current discounts:
- Multi-Policy Discount
- Online Quote Discount: up to 7% off
- Homeowners Discount
- Home and Auto Discount: up to 8% off
- Good Student Discount
- Continuous Coverage
- Electronic Document Signing Discount
Industry Rankings
A company’s rank in the industry can be a strong indication of its performance. J.D. Power positions itself as the voice of the buyer by measuring customer experience to provide consumer satisfaction ratings for top auto insurance companies. Based on the latest JD Power scores here is how Progressive ranks:
Source: www.jdpower.com
Source: www.jdpower.com
What Customers Think
“Progressive is affordable, with no surprises. Super easy to work with.” –Devin
“Progressive is fast when it comes to filing claims, very customer service oriented, and very reasonably priced for full coverage.” –Rachel
“I love their customer service. Any question you have, it’s is easy to call and quickly get answered. Their online/app support is amazing.”-Paige
Our Favorite Features
We tracked down even more Progressive features you might like to know about before you sign a policy.
- Coverage Checker® tool helps you during the quoting process by highlighting coverage options that might be too much or too little to help you get the right amount of coverage you need.
- The Progressive app allows you to view details around your policy, pay your bill, report a claim, find a service center, and get in contact with an agent at the touch of a button.
- Keys to Progress® is an initiative Progressive participates in to support veterans. Every year, the company gives 130 veterans refurbished cars. In its three years, Progressive has helped provide reliable transportation to more than 300 military families and organizations.
- Warrantied repairs when you work with a shop in the Progressive preferred network. This allows you to receive the same benefits that would be available using a Progressive service center.
Our Advice
You know what is best for you. We’re here to only serve as fact-presenters. Here is what we’ve found:
Progressive is best for safe drivers with clean histories.
Although Progressive has the Name Your Price tool and other options focused on price, you won’t get a low premium if you aren’t a safe driver. While some auto insurance companies specialize in high-risk drivers, Progressive does not. If you are a safe driver, Progressive Snapshot can help lower your rates even more if you prove your road worthiness.
About Progressive
Progressive Insurance was founded in 1937 in an effort to insure responsible drivers. Ever since, it has been a leading innovator in the insurance world—introducing comparison rates to the web and technology to reward drivers for safer driving.
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