CarInsurance.com Insights
- Progressive stands out for personalized pricing tools, including Name Your Price and usage-based Snapshot, which help drivers tailor coverage to their budget and habits.
- Rates can vary widely by state and driver profile, making Progressive a strong option for some households but not always the lowest-price choice for every scenario.
- Snapshot rewards safe drivers with potential discounts, though high-risk behaviors tracked by telematics may increase premiums for certain users.
- Progressive’s strong digital experience supports quick quoting and claims, offering online tools, a robust app and 24/7 support for policy changes or filing claims.
- Coverage options are flexible, with add-ons such as accident forgiveness, gap coverage, and custom parts protection available for drivers who want additional security.
Progressive ranks No. 8 in our study (4.05/5), a standout for high-risk drivers and digital shoppers, with pricing that falls in the middle of the pack.
Progressive has become a household name because of its memorable ad campaigns and characters (Flo and Jamie, anyone?). But brand familiarity doesn’t guarantee that an insurer will be the best fit for you. Progressive is available across the U.S. and Washington, D.C.
To help you make that decision, CarInsurance.com surveyed current policyholders to determine how the company performed on key customer satisfaction criteria, and two of our experts ran their own Progressive quotes. Here’s what we found.
Getting a car insurance quote online from Progressive — Mary Beth's personal experience
Progressive's online quote took just 10 minutes and returned terrific coverage for a low rate — about $69 a month for full coverage on two cars and two drivers, including 250/500/100 liability, UM/UIM, medical payments, rental and loan payoff with a $500 deductible. Its Quote Explorer even lets you compare rates against Travelers and Liberty Mutual.
How Progressive scored in the Best Car Insurance Companies for 2026 ranking
Progressive, ranked No. 8 among national carriers in our Best Car Insurance Companies for 2026 with an average rate of $2,569/yr, a score of 4.05 stars out of 5, and an AM Best financial strength rating of A+ (effective May 1, 2026).
The overall scores were compiled using rate data, NAIC scores, AM Best data, internal survey scores and J.D. Power data as shown in the table below.
Progressive’s Overall Scores
| Metric | Score |
|---|---|
| Customer survey (out of 5) | 4 stars |
| NAIC (out of 5) | 4.5 stars |
| Average premium | $214 per month |
| A.M. Best rating | A+ |
Progressive’s Consumer Survey Scores
Breaking down the consumer survey results, Progressive’s top categories were ease of accessing policy documents and services, the digital experience on the website/app and auto/home bundling.
Take a look at Progressive’s scores in various categories below.
- Customer satisfaction: 78%
- Ease of accessing policy documents and services: 86%
- Satisfaction with policy offerings: 79%
- Recommended to friends and family: 84%
- Trustworthiness: 83%
- Renewal rate: 92%
- Claims handling satisfaction: 62%
- Digital experience for website/app: 83%
- Discounts: 50%
- Auto and home bundling: 62%
Compare Progressive’s overall scores to the scores earned by each company included in the study as shown in the table below.
| 2026 Rank | Company | Overall Score |
|---|---|---|
| 1(t) | Auto-Owners | 4.55 |
| 1(t) | Travelers | 4.55 |
| 3(t) | Erie | 4.50 |
| 3(t) | GEICO | 4.50 |
| 5 | American Family | 4.44 |
| 6 | Auto Club Group | 4.30 |
| 7 | Nationwide | 4.19 |
| 8 | Progressive | 4.05 |
| 9 | Amica | 4.02 |
| 10 | State Farm | 3.91 |
Who is Progressive best for?
Progressive is a standout for high-risk drivers: after a DUI, its rate rises just 36% (the smallest jump among the nine carriers analyzed), compared to 146% at GEICO and 149% at Nationwide.
Drivers with high-risk driving records — DUIs, at-fault accidents, speeding tickets or lapses in coverage — face surcharges compared to a clean driving record. Compare average rates with a violation in the table below.
| Company | Annual clean rate | After a DUI | After an at-fault accident | After two tickets | After a coverage lapse |
|---|---|---|---|---|---|
| Progressive | $2,569 | $3,486 (+36%) | $4,061 | $4,058 | $3,041 |
| Travelers | $1,962 | $2,933 | $2,823 | $3,139 | $2,626 |
| GEICO | $2,159 | $5,321 | $3,872 | $3,903 | $2,621 |
| Nationwide | $2,524 | $6,276 | $4,359 | $4,641 | $3,390 |
| State Farm | $2,875 | $4,972 | $3,634 | $4,059 | N/A |
| Amica | $2,769 | $8,439 | $4,308 | $5,043 | N/A |
| Allstate | $3,159 | $5,513 | $5,589 | $4,551 | $4,977 |
| Farmers | $3,207 | $5,455 | $5,823 | $5,181 | $3,723 |
| USAA* | $1,628 | $3,130 | $2,490 | $2,339 | $1,787 |
Annual full coverage, Quadrant Information Services, 2026. *USAA is limited to the military community. Lapse data not available for State Farm and Amica.
Progressive is also suitable for drivers who want a fast, user-friendly digital experience. Getting an online quote takes less than 10 minutes. It’s also a wise choice for those bundling home and auto policies, thanks to its wide range of discounts.
Sophie’s Tip
If you have a DUI or tickets on your record, compare Progressive against two rivals on identical limits — its after-violation pricing often beats carriers that look cheaper on a clean record.
Pros & cons of Progressive
Pros
- Wide availability: Offers coverage in all 50 states.
- Strong discounts: Large menu of savings, including homeowners, multi-policy and continuous insurance.
- Snapshot program: Telematics option rewards safe driving with potentially significant discounts.
- High-risk driver coverage: More willing than some competitors to insure drivers with DUIs, tickets or poor credit.
- Robust digital tools: Highly rated mobile app, Name Your Price tool and easy online quote/claims process.
- Customizable policies: Add-ons like loan/lease payoff, accident forgiveness, rideshare coverage and custom parts protection.
Cons
- Average satisfaction scores: Mixed reviews on claims experience compared to State Farm or USAA.
- Rates not always lowest: Can be more expensive than GEICO or State Farm for drivers with clean records.
- Snapshot risk: Unsafe driving tracked in Snapshot can actually raise your rates.
- Accident forgiveness is not automatic: You must qualify or pay extra, unlike some competitors that include it automatically.
- Regional variability: Pricing and service quality vary widely by state.
Speak with a friendly agent and get your quote in minutes!
How much does Progressive car insurance cost?
Progressive wasn’t the cheapest company in CarInsurance.com’s rate analysis for full coverage or state minimum liability requirements.
Also, in some cases, you may pay a comparatively low base rate for coverage but then see a significant increase should you file a claim. In contrast, companies charging 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. See annual rates for Progressive and other major carriers in the table below.
| Company | Annual full coverage rate |
|---|---|
| Progressive | $2,569 |
| Travelers | $1,962 |
| GEICO | $2,159 |
| Nationwide | $2,524 |
| State Farm | $2,875 |
| Amica | $2,769 |
| Allstate | $3,159 |
| Farmers | $3,207 |
| USAA* | $1,628 |
*USAA is limited to the military community.
Getting a quote on Progressive’s website is easy and only takes about 10 minutes — you don’t even need your driver’s license number or your vehicle’s VIN.
Input your name, Social Security Number, address, job title, education level, home ownership status and the same information about any drivers in your household to start the process.
Next, you’ll add information about the vehicles you’re insuring.
Laura’s personal experience getting a quote from Progressive
When our editor-in-chief, Laura Longero, ran a quote, she found the process simple.
“I got a quote in Nevada for my 2021 Volkswagen Atlas. Once I entered my name and address, Progressive automatically pulled in my vehicle details, which made the quote process go quickly,” she said.
It gave her three options: Basic, choice and recommended.
Basic coverage is the state minimum in Nevada; she was quoted a rate of $152 for six months.
Choice had the exact coverages of my current USAA policy, including 250/500/100 liability coverage, collision and comprehensive coverage with $500 deductibles and 250/500 uninsured/underinsured motorist coverage. The choice policy rate was $368 for six months.
Although the recommended tier lowers the core liability limits compared to the choice tier, the addition of medical payments, rental car, and roadside coverage results in a higher overall premium.
Finally, the recommended coverage level included 100/300/100 liability coverage with the same limits for UI/UM coverage, comprehensive and collision with $500 deductibles, medical payments of $1,000 per person, rental car coverage of $40 per day ($1,200 maximum) and roadside assistance. The recommended policy quote was $390 for six months.
Progressive car insurance discounts
Progressive offers a wide range of discounts — multi-policy, multi-car, continuous insurance, homeowner, Snapshot safe driver, good/distant student, online quote and paperless.
I qualified for discounts during the quote process.
- Multi-policy
- Continuous insurance
- Teen driver discount
- Accident forgiveness
- Snapshot safe driver discount
- Good student
- Distant student
- Homeowner discount
- Multi-car discount
- Online quote
- Sign online
- Paperless
- Pay in full
- Automatic payment
Mobile app rating
The Progressive insurance app has 4.8 stars out of 5 in the Apple App Store with 776,000 ratings as of June 10, 2026. It is No. 12 out of all finance apps.
User summary: “Users say the app is easy to use and navigate. They appreciate the convenience of making payments and filing claims. Additionally, users praise the app’s clear instructions and user-friendly design.”
The Progressive app’s rating on the Google Play Store is 4.6 out of 5 stars based on 254,000 reviews as of June 9, 2026.
Sophie’s Tip
Two of our experts tested Progressive and both got a fast, low quote — watch Mary Beth’s video and read Laura’s tier breakdown above, then run your own Quote Explorer comparison before you commit.
My verdict: Is Progressive worth it?
Both of CarInsurance.com’s experts found Progressive’s quote process to be fast and its rates to be low. Mary Beth Eastman received a low quoted rate of $69 per month for full coverage for two cars, and Laura Longero received quotes for three tiers (basic, choice and recommended) with even lower rates.
We view Progressive (No. 8 in our study, 4.05/5) as a standout for high-risk drivers, digital shoppers and bundlers, but the tradeoffs are middling claims satisfaction rates (62%) and the risk that its telematics program, Snapshot, could raise rates for poor driving habits. Progressive’s pricing landed in the middle of the pack, just $1 below average at $214, compared to $215, but the company’s financial strength earned an A+ from AM Best.
In our view, Progressive is a buy if you have violations on your driving record, want usage-based savings, and value digital policy tools or comparison shopping. Skip Progressive if you have a clean record and want the lowest average rates or if top-tier claims satisfaction is a priority.
Frequently Asked Questions: Progressive
Is Progressive cheaper than other car insurance companies?
Progressive can be one of the more affordable options, especially for drivers with clean records or those considered high-risk. However, GEICO and State Farm often have lower average rates for many drivers. The best way to know is to compare quotes.
Is Progressive good for high-risk drivers?
Yes. Progressive is more willing than many rivals to insure drivers with a DUI, tickets or poor credit, and it tends to raise rates less after a major violation. It’s one of its real strengths.
Does Progressive offer accident forgiveness?
Yes. Progressive offers both small accident forgiveness (for claims under $500) and large accident forgiveness (for customers who qualify by remaining claim-free for a set period). Availability may vary by state.
Does Snapshot raise your rates?
It can. Snapshot rewards safe driving with a discount, but if it records hard braking, late-night driving or high mileage, your rate can go up at renewal. Weigh the potential discount against your real driving habits.
How do I file a claim with Progressive?
You can file a claim online, through the Progressive mobile app, by phone or with an agent. The company provides 24/7 claims reporting and tracks progress digitally.
How does Progressive rank in customer satisfaction?
Progressive has an average score in J.D. Power’s regional satisfaction studies and has a slightly higher-than-average NAIC complaint index. It has strong financial stability, with an A+ rating from AM Best.
Resources & Methodology
Methodology
We surveyed more than 2,000 insurance consumers through Dynata, an independent research firm. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family, and if they trusted their insurer.
For insurers with enough survey responses, we added:
- AM Best financial strength ratings, which measure an insurer’s ability to pay claims.
- NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size.
- Average premium data from Quadrant Information Services for a hypothetical 40-year-old driver with a clean driving record, good credit score, 12-mile daily commute and full coverage policy on a Honda Accord LX with liability limits of 100/300/100.
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
- Customer survey: 40%
- AM Best: 25%
- Average premium: 20%
- NAIC complaints: 15%
Each insurer received a rating between 0.5 and 5 stars.
Sources
- AM Best. “Progressive Casualty Insurance Company.” Accessed July 2026.
- App Store. “Progressive App.” Accessed July 2026.
- Google Play. “Progressive.” Accessed July 2026.
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