Compare Auto Rates from Top Rated Carriers
Progressive Insurance Review 2021
Progressive insurance is known for providing comprehensive car insurance policies and home insurance services and is recognized as the third-largest insurance company in the United States. Progressive is an excellent choice if you are looking for an insurance company that is easily accessible and well-rounded.
Progressive reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Progressive Auto Insurance Rating
4.5
Progressive Insurance is rated 4.5-stars for its extensive overall performance in providing car insurance for US citizens. We assess Progressive’s rating by looking closely at its policy rates for different drivers, financial stability, ease of making a claim, discounts, and complaint information from the National Association of Insurance Commissions. Upon examining these factors, we recognized Progressive as one of the topnotch car insurance companies.
Progressive Car Insurance Coverages and Features
| Progressive Auto Coverage Options | Description |
|---|---|
| Gap Insurance | Progressive covers up to 25% value on top of your car value if your car is totaled. However, collision and comprehensive policy must be purchased to have this coverage. |
| Rideshare Insurance Offer | This feature from Progressive is intended for Ride for Hire drivers such as Uber and Lyft. This coverage is only available for specific states. Progressive’s Rideshare coverage will be active only during the times you are carrying a passenger. Regular policy and coverage will apply whenever your Rideshare application is on or active. |
| Deductible Bonus | For each year that you did not acquire any driving violations, you will get a $50 to $0 claim-free bonus. |
| Custom Parts and Equipment Value Coverage | Progressive covers the expense of your repair or the replacement value for your car’s custom accessories. |
| Pet Injury Protection Coverage | In cases your pet was in the car during an accident, Progressive will pay for veterinary bills. |
| Snapshot Usage Bonus | Snapshot is an app used to collect data on your driving behavior. Progressive will assess the information from the Snapshot app for the new quote of your policy upon renewal. |
Progressive Car Insurance Discounts
- Multi-Policy Bonus
- Multi-Car Policy Discount
- Continuous Insurance Bonus
- Snapshot Good Driver Program Discount
- Good Student Bonus
- Distant Student Bonus
- Homeowner’s Discount
- Online Insurance Quote Acquisition Discount
- Online Sign-Up Discount
- Paperless transaction Discount
- Six-Month Upfront Payment Discount
- Automatic Payment Discount
Progressive Homeowners Insurance Policies
Progressive offers third-party homeowners insurance for:
- Residential Insurance
- Garage Insurance
- Shed Insurance
Progressive Customer Satisfaction Assessments
Progressive is considered as one of the most reliable insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
Progressive’s overall rating in the US is above average, with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | Progressive’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Policy Claim Satisfaction | Above Average Rate |
| Auto Insurance Shopping Satisfaction | Above Average Rate |
| Home Insurance Policy Satisfaction | Above Average Rate |
| Property Insurance Claims Satisfaction | Above Average Rate |
Progressive’s Digital Information
| Digital Platform | Description |
|---|---|
| Progressive’s Website | Progressive has a tech-savvy website that caters to all the services they provide. They have “The Name Your Price Tool” that allows you to acquire your online quote and auto financing features that offer financial assistance deals. |
| Progressive's Mobile Application | Progressive created a mobile and user-friendly app that lets you pay your bills, manage or access your policies, and check claim status. |
| Progressive’s Snapshot Application | This app was created to help you track your driving behavior and gain roadside assistance. |
| Virtual Voice Assistant | Progressive’s Flo Chatbot is a digital assistant that can provide and address all your insurance policy concerns. |
Progressive’s Other Insurance Services
- Commercial Auto Insurance Policy
- Snowmobile Insurance
- Boat Insurance
- Mobile-Home Insurance
- All-Terrain Auto Insurance Policy
- Segway Insurance
- Umbrella Insurance
- Recreational Auto Insurance
Progressive’s Third-Party Insurance
- Business Insurance
- Renter’s Insurance
- Classic Car Insurance
- Life Insurance
- Condominium Insurance
- Travel Insurance
- Flood Insurance
- Pet Insurance
- ID Theft Insurance
- Health Insurance
- Wedding and Event Insurance
Progressive Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Progressive is the third largest personalized insurance company in the US. | Progressive earned more than median complaints from state regulators for both home and car insurance policies. |
| Progressive is one of the few that offers Rideshare Insurance and Pet Injury Collision Insurance. | The average customer satisfaction rating could seem relatively low. |
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators reported to the National Association of Insurance Commissioners (NAIC) between 2016-2018. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the company size’s total share of complaints in ratio.
Progressive Insurance FAQs
What if I mailed my payment on the day of Progressive’s due date?
It will still be considered an on-time payment since Progressive accounts for your mail date as the date of your payment.
What are my payment options for my car insurance policy with Progressive?
You can choose between making a monthly or yearly payment. You will get a considerable discount if you pay the first six months upfront.
How does Progressive assess your personalized rate?
Progressive typically accounts for the possibility of your unique profile to make a claim. If your profile is not likely to encounter any incidents that entitle you to make a claim, you will get cheaper rates.
What is the reason for my rate change after acquiring a quote from Progressive?
Several factors could alter your rate between the time when you got your quote, and by the time you purchased the insurance policy.
I paid for my Progressive vehicle insurance policy online. Will it be accepted upon payment completion?
Online payments are accepted immediately after completing the transaction.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.