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Progressive Auto Insurance Review 2018

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Progressive has become a household name due its huge advertising campaigns, but a familiar brand name doesn’t guarantee that it’s the best fit for you. To help you make that decision, CarInsurance.com’s Progressive Auto Insurance review surveyed current policyholders to find out how the company performed on key customer satisfaction criteria.

Progressive car insurance customer satisfaction review 

CarInsurance.com commissioned Op4G to survey more than 3,100 insurance customers of 20 of the nation's largest auto insurers, and asked them about their experience with their carrier.

Here's how Progressive scored  (out of 100):

MetricScore
Claims service90
Customer service87
Value for price84
Usefulness of website/apps84

What some Progressive customers said:

  • "This company provides simple and clear information on what is covered and what isn’t, also helps me feel confident I will select the correct plan for my needs."
  • "Pretty good price, give several options at different price points."
  • "Their website and apps are adequate, but their person-to-person availability is not very good."
  • "Great service but high price."

Bottom line: Progressive has a reputation for helping out all types of drivers, from those that have an excellent driving record to drivers who may have a recent accident on their record.

Progressive offers auto, home, motorcycle, RV, watercraft and life insurance, so consider Progressive when looking to bundle multiple types of insurance coverages. Not only can the company provide one-stop shopping, but there are several discounts that you can take advantage of with multiple policies and multiple vehicles.

Excellent choice for:

  • Experienced drivers
  • Safe drivers who travel few miles who want to be rewarded for their good driving habits, through its Snapshot program
  • Drivers who must file SR-22 certificates
  • Non-owner policies
  • Drivers who have had a recent accident
  • Drivers with recent DUI conviction

Car insurance company comparison: Progressive rates for common coverage levels

Progressive wasn’t the cheapest company in CarInsurance.com’s rate analysis for full coverage, or for state minimum liability requirements. But ninety percent of those surveyed said they would renew their Progressive policies, while 85 percent said they would recommend the insurance company to others.

Also, in some cases you may pay a comparatively low base rate for coverage, but then see significant increases should you file a claim, while companies that may charge a higher annual rate may not hike your cost by that much if you get a ticket or have an accident.

While no one should choose a car insurance company based solely on price, smart shoppers know what to expect to pay and how it compares to the competition.

Here are nationwide average car insurance rates by company for state required minimum liability coverage:

CompanyAverage rate
Geico$338
State Farm$454
Nationwide$523
Progressive$552
Farmers$659
Allstate$667

 Here are nationwide average car insurance rates by company, for full coverage, with a $500 deductible:

CompanyAverage rate
Geico$901
Nationwide$1,227
State Farm$1,313
Farmers$1,351
Progressive$1,415
Allstate$1,758

Rate increases for adding teen driver, accidents, speeding, DUI and poor credit

Adding a teen driver

If you have a teen you are insuring, or are about to add to your policy, your rates are definitely going to go up, as insurers consider inexperienced drivers as high-risk. You’ll pay 160 percent more per year, on average by adding a teen driver to your coverage. But you can still save by comparing insurance companies. CarInsurance.com’s rate analysis shows you how average premium increases compare for drivers adding a 16-year-old to their policy, and you’ll see below that Progressive is in the middle of the pack, coming in under the national average.

  • Nationwide – 68 percent increase
  • Farmers – 130 percent increase
  • Progressive – 150 percent increase
  • Geico – 155 increase
  • Allstate – 166 increase
  • State Farm – 223 increase

At-fault accident

Progressive has the lowest premium increase for one at-fault property damage accident resulting in over $2,000 worth of damage, according to CarInsurance.com’s analysis of six top insurers. The average hike for such a claim is 31 percent. Here’s how Progressive compares to other top carriers.

  • State Farm – 19 percent
  • Progressive -- 22 percent
  • Farmers – 38 percent
  • Allstate -- 41 percent
  • Geico – 43 percent
  • Nationwide – 57 percent

Speeding ticket

For a speeding ticket for exceeding the limit by 16 to 29 miles per hour, Progressive’s premium increase is nine points higher than the national average of 22 percent, as is Geico.

  • Nationwide – 19 percent
  • Allstate – 20 percent
  • Farmers – 24 percent
  • State Farm – 27 percent
  • Progressive – 31 percent
  • Geico – 31 percent

DUI

A driving while intoxicated (DUI) conviction will raise your rate by 79 percent, on average, but Progressive’s increase for a DUI violation is much less than that, and is the lowest when compared to other companies in our analysis:

  • Progressive – 33 percent
  • State Farm – 38 percent
  • Farmers – 47 percent
  • Allstate – 65 percent
  • Nationwide – 125 percent
  • Geico – 192 percent

Poor credit

Drivers with poor credit can expect to pay 69 percent more for car insurance, on average, than those with excellent credit. Progressive comes in a bit higher than that, by eight points.

  • Nationwide – 41 percent
  • Allstate -- 56 percent
  • Progressive – 77 percent
  • Farmers – 78 percent
  • Geico -- 85 percent
  • State Farm – 113 percent

Progressive car insurance discounts

DiscountHow it worksEstimated savings
Multi-policyHave two or more policiesup to 5%
SnapshotA plug-in device or app monitors safe driving performance (no hard-braking etc.) and mileageup to $130
Safe-driver discountNo accidents of moving violations for past three yearsup t0 31%
Multi-carHave more than one car listed on your policyup to 10%
HomeownerOwn your homeup to 10%
Sign onlineSign documents online digitallyup to 8%
Online quoteStart or complete the quote process online (can finish it over the phone)up to 7%
Automatic paymentAutomatic payments set up through your checking accountvaries
Teen driverDiscount for drivers age 18 and 19varies
Pay in fullPay six-month policy up frontvaries
Good studentAverage grade point average of "B"varies
Continuous coverageRewards you for no lapse in coverage between policiesvaries
PaperlessReceive documents via emailvaries
Student awayCollege student, age 22 or younger, who lives at least 100 miles awayvaries

Source: Progressive

 

Financial strength rating:

The financial rating of an insurance company is important because it measures the company’s ability to pay out claims. Progressive has a “superior” rating of A+ from A.M. Best.

*Methodology:

Average rate by company for state minimum and full coverage: CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). Averages rates are based on full coverage insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.The rate includes uninsured motorist coverage. This hypothetical driver has a clean record and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Average rate by company for infractions, teen driver, poor credit: Based on 10 ZIP codes in each state.

 

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