Progressive Auto Insurance Review: Affordable Coverage, Even After an Accident
Review
Updated
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Progressive offers affordable insurance for most drivers, although it's more expensive for young motorists or those with an accident record. Customer reviews are mixed, but there are ample opportunities for bundling coverage and unique coverage options. Learn more in this Progressive auto insurance review.
2025 Award Winner
Progressive is an affordable option for most drivers. However, its customer reviews are below average, so drivers who prioritize service over price may wish to consider competitors.
Progressive is more affordable on average for most drivers, with some exceptions. Young drivers and those with an accident on their record may find Progressive's policies are more expensive than the typical premiums insurers charge.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $2,091 | $2,062 | $3,131 | $6,396 |
The table below shows how Progressive stacks up to the national average for motorists with different driving profiles.
| Progressive Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $2,077 | $2,389 |
| Accident on Record | $3,131 | $3,037 |
| Speeding Ticket on Record | $2,558 | $3,023 |
| DUI on Record | $2,355 | $4,380 |
| 18 Years OId - New Driver | $6,396 | $6,291 |
| 65 Years Old - Senior | $1,794 | $2,140 |
| Military Service | $1,893 | $2,375 |
| Minimum Coverage (Liability Only) | $759 | $787 |
Progressive offers many standard discounts, as well as some unique opportunities to save money including premium reductions for being continuously insured or for participating in its Snapshot safe driver program.
Progressive has many more policy types than a number of competitors, including offering insurance in Mexico as well as providing coverage for different vehicle types including Segways and golf carts.
In addition to standard coverage types offered by most insurers, Progressive offers some protections many competitors don't including pet injury coverage, loan/lease payoff, and trip interruption insurance that pays for up to $500 in costs when a vehicle breaks down more than 100 miles from home.
Progressive's ratings were below average on J.D. Power's 2023 Overall Customer Satisfaction ratings. The number of complaints received by the National Association of Insurance Commissioners was also above average for Progressive, although not as high as some competitors.
Progressive offers a vast array of policy options, making it easy to find opportunities to bundle coverage.
2025 Award Winner
When looking for an auto insurer who offers better customer service: State Farm receives better customer service ratings than Progressive. But keep in mind policies may be more expensive from State Farm.
When looking for an auto insurer who offers cheaper policies for young drivers: Mercury Auto Insurance offers more affordable coverage than Progressive for young drivers. But be aware its customer ratings are worse and it's not available in all states.
Progressive might be best suited for people who:
Progressive is an affordable option for most drivers, and it provides benefits including the ability for safe drivers to further reduce premiums. While customer reviews aren't perfect, it's an established insurer offering coverage for almost anything a consumer might need.
At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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