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Progressive Auto Insurance Review: Affordable Coverage, Even After an Accident

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This auto insurer is a good fit for: Drivers willing to share information on driving habits to get discounts, as well as motorists looking for affordable premiums despite an accident history.

Full Progressive auto insurance review

Pros

  • Snapshot provides personalized rates so safe drivers save more
  • Premiums are lower for drivers with an accident than from many competitors
  • Name Your Price tool makes finding affordable coverage easier
  • Unique coverage options, including pet injury and custom parts

Cons

  • Young drivers may find Progressive more expensive
  • Need to provide a Social Security number to get the most accurate quotes
  • Lower customer service rankings than some competitors

Progressive auto insurance at a glance

Monthly premium costs:

  • 35-year-old female with clean driving record: $124.01
  • 35-year-old male with clean driving record: $118.21
  • 35-year-old female with one accident: $184.34
  • 18-year-old-male with clean driving record: $343.40

Coverage options:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured
  • Medical payments
  • Loan/lease payoff
  • Rental car reimbursement
  • Custom parts and equipment value
  • Rideshare coverage
  • Roadside assistance

Top perks

Good drivers can score substantial discounts

Progressive offers multiple ways for good drivers to save on premiums. Its unique Snapshot option allows motorists to download a mobile app that tracks their driving habits and reduces their rates if they're safe drivers. And users can sign up for a deductible bank, which reduces collision and comprehensive deductibles by $50 per month for each six months they go without making a claim.

Name Your Price tool makes shopping for coverage easy

When shopping for coverage, people can specify their budgets for auto insurance, and Progressive will display how much coverage they can afford to buy. This unique "Name Your Price" tool makes it easier to get affordable protection.

Drivers with accidents will find premiums competitive

Progressive's insurance premium for a driver with an accident record is much lower than from many competitors, including Geico and State Farm.

What could be improved

More affordable options for young drivers

Unfortunately, young people may pay a premium to get coverage from Progressive. Their policy premiums for an 18-year-old male were more expensive than from some other insurers including Geico.

Improved customer experience

J.D. Power and Associates ranks the customer service provided by insurers. Geico, Nationwide, and State Farm received top marks among large insurance providers, while Progressive didn't make the top three in terms of offering a satisfying purchasing experience.

Alternatives to consider

When looking for an auto insurer who offers affordable coverage for young drivers: Geico shines when it comes to offering affordable premiums for young drivers, coming in cheaper than many other competitors. But keep in mind, Geico was more expensive than Progressive for motorists with an accident history.

Monthly premium costs

Progressive is one of the more affordable insurers in most situations, especially for drivers with an accident history. But premiums for young drivers are an exception, with the insurer charging more than many competitors for a policy for an 18-year-old male.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$124.01 $118.21 $184.34 $343.40
Source: The Ascent's analysis of standardized personas

Discounts available

Progessive offers many of the standard discounts available from most auto insurers. It stands apart for its Snapshot safe driver discount, which customizes premiums based on the information drivers share using its mobile app.

  • Multi-policy
  • Multi-car
  • Continuous insurance
  • Snapshot safe driver
  • Teen driver
  • Good student
  • Distant student
  • Homeowner
  • Online quotes and signing up online
  • Paperless statements
  • Pay in full
  • Automatic payment

Coverage options

Policy types

  • Auto
  • Rideshare
  • Classic car
  • Golf cart
  • Mexico auto
  • Motorcycle
  • RV/Trailer
  • Segway
  • Snowmobile

While some companies don't offer rideshare insurance, Progressive allows a driver to purchase it as an additional coverage option to protect them if they drive their vehicle for Uber or Lyft.

Coverage types

  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist
  • Medical payments
  • Loan/lease payoff
  • Pet injury
  • Rental car reimbursement
  • Custom value parts and equipment
  • Roadside assistance
  • Deductible savings bank

Most of Progressive's coverage options are pretty standard among insurers, but the company offers two unique features. Its custom parts and equipment coverage provides up to $5,000 in coverage for add-ons such as custom wheels, a fancy paint job, an after-market stereo, or similar upgrades. And its deductible savings bank allows drivers to reduce the deductible by $50 per six-month period when they don't have a claim on their collision or comprehensive coverage.

Customer service and ratings

Progressive received an A+ rating from the Better Business Bureau, although the insurer is not BBB accredited. Unlike some competitors, however, it wasn't a customer favorite on J.D. Power & Associates research into customer purchasing experience or claims handling, unlike some competitors such as Amica Mutual.

This auto insurer is best for:

  • Someone with an accident on their record who wants an affordable policy
  • A driver who is willing to use an app to share their driving behaviors to earn reduced premiums
  • People who want to "name your price" to customize auto coverage that fits their budget

But young drivers may want to consider Geico if they're looking for affordable premiums. And Amica Mutual is worth a look if a positive experience with claims is a top priority.

RELATED: See The Ascent's guide to the best budgeting apps.

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