Get Progressive insurance quotes for auto, home and more. Compare 2026 rates, Snapshot savings (average $322), discounts and coverage options. Is Progressive worth it for your needs? Free comparison tool inside.
Progressive holds the number two spot among US auto insurers, serving over 28 million policies with a focus on competitive rates and innovative tools like Snapshot. This review breaks down costs, coverage details, discounts and real user experiences to help you decide if it fits your driving profile. From safe drivers saving via telematics to high-risk scenarios, explore how Progressive stacks up against GEICO and State Farm.
Table of Contents
What Is Progressive Insurance?
Progressive started in 1937 as one of the first companies to offer installment payments for auto insurance. Today, it leads in auto policies nationwide and partners with American Strategic Insurance (ASI) for home and renters coverage. Key offerings include auto, motorcycle, boat, RV, commercial vehicle and rideshare insurance. The company emphasizes online tools, with over 90 percent of policies sold digitally.
Financial ratings add reliability: AM Best assigns an A+ (Superior) for claims-paying ability, while the NAIC complaint index sits at 0.98 for auto (below 1.0 means fewer complaints than average). J.D. Power scores vary, with below-average marks in claims satisfaction but strong digital experience ratings .
Progressive Insurance Cost Breakdown
Full coverage averages $2,015 per year with Progressive, below the national average of $2,683. Minimum coverage runs about $543 annually . Rates depend on age, location, driving record, credit and mileage. A DUI hikes full coverage to $3,709, while clean records under 25 pay $1,856.
| Category | Progressive | National Avg | GEICO | State Farm |
|---|---|---|---|---|
| 25yo Full Coverage | $1,856 | $2,565 | $1,987 | $2,130 |
| 40yo Minimum | $543 | $802 | $456 | $610 |
| DUI Full Coverage | $3,709 | $3,871 | $2,951 | $3,454 |
Use Progressive’s online quote tool for personalized numbers, factoring in state regulations and vehicle type. Bundling auto with home saves up to 12 percent on car rates.
How to Get a Progressive Insurance Quote Online
Learn how to get a Progressive insurance quote online quickly and compare rates for auto, home or bundles. This guide walks through the five-step process to secure personalized pricing in minutes, maximizing discounts like Snapshot.
Total Time: 5 minutes
Step 1: Visit Progressive Quote Page
Go to progressive.com and select “Quote Auto” or your insurance type (home, bundle). Enter your ZIP code to start; this pulls local rates instantly.
Step 2: Provide Personal Information
Step 3: Enter Vehicle Details
Add car info: year, make, model and VIN (auto-fills details). Include mileage, primary use and safety features to qualify for discounts.
Step 4: Review Coverage and Discounts
Supply:
- Internet access
- Vehicle details (VIN, make, model, year)
- Driver info (age, license number, record)
- ZIP code and address
- Household drivers list
Tools:
- Web browser (Chrome, Safari, Firefox)
- Progressive app (iOS or Android optional)
- Phone for agent contact (1-800-PROGRESSIVE)
-
Materials: Driver's license numbers Current policy details (optional for comparison) Vehicle mileage and usage (commute, rideshare) Credit info (if applicable by state) Safety features (anti-theft, airbags)
Auto Insurance Coverage Types
Standard auto policies cover liability (bodily injury and property damage), collision and comprehensive. Uninsured motorist protection handles hits from drivers without insurance . Add-ons include roadside assistance, rental reimbursement, gap insurance (pays difference on totaled new cars) and new car replacement.
Key exclusions: Policies exclude intentional damage, racing and standard flood or earthquake (add via separate riders). Liability limits often cap at state minimums; opt for 100/300/100 for better protection. Rideshare coverage extends to delivery drivers, a plus over some rivals.
For home insurance through ASI, expect dwelling coverage, personal property and liability, averaging $1,316 yearly. Bundling yields multi-policy discounts but review exclusions like wear-and-tear .
Real Scenario: A family bundles auto and home after a minor fender-bender. They save $450 annually, with gap coverage protecting their leased SUV.
Top Progressive Discounts and Snapshot Program
Progressive offers 12+ discounts, stacking for maximum savings. Highlights include multi-car (12 percent average), good student (typically five to 10 percent for GPA 3.0+) and continuous insurance (10 percent) .
Snapshot stands out: This telematics app tracks braking, speed and mileage for 30 days, often cutting rates by 10 to 40 percent (average $322). Download via app, plug in the device or use phone GPS. Safe habits earn rewards; hard braking may raise costs in rare cases (less than five percent of users).
Pros and Cons of Snapshot:
- Pros: Easy setup, big savings for low-mileage commuters, no long-term commitment.
- Cons: Privacy concerns with tracking, potential rate hikes for erratic driving .
Other perks: Online quotes (seven percent off), homeowner (five to 10 percent) and vehicle safety features (airbags, anti-theft).
Progressive vs. Top Competitors
Progressive shines for tech-savvy bundlers but lags in claims for high-risk drivers. Compare features below.
| Feature | Progressive | GEICO | State Farm |
|---|---|---|---|
| Telematics Tool | Snapshot (Yes) | DriveEasy | Drive Safe & Save |
| Accident Forgiveness | After $500/3 yrs | Yes | Yes |
| Rideshare Coverage | Yes | Yes | Limited |
| Average Full Rate | $2,015 | $2,078 | $2,542 |
Pros of Progressive:
- Lowest rates for clean records and high-mileage drivers.
- Seamless app for quotes and claims filing.
- Strong bundling and SR-22 support for DUIs.
Cons:
- Rates spike post-accident (higher than GEICO).
- Mixed claims satisfaction per J.D. Power.
- Snapshot privacy risks deter some.
Best For: Safe drivers, rideshare workers, multi-policy shoppers. Avoid if high-risk or privacy-focused .
Real Customer Experiences and Complaints
Users praise Snapshot savings: “Dropped my premium $400 with easy driving,” one reports. Complaints center on claims denials and rate jumps: NAIC logs 0.98 index, but forums note delays for complex repairs.
J.D. Power gives 3 out of 5 for claims, better for shopping experience. High-risk drivers value SR-22 ease, though DUIs cost 81 percent more . Transparency tip: Request full policy docs before signing.
Progressive Insurance FAQs
How much is Progressive insurance with a DUI?
Is Progressive cheaper than GEICO?
Yes for clean records (five to 10 percent less); GEICO edges post-accident .
What is Progressive home insurance like?
Can I cancel Progressive anytime?
Yes, pro-rated refund minus fees; no long-term lock-in .
Is Progressive good for rideshare drivers?
How does bundling work?
Auto plus home/renters saves 12 percent on car rates .
Is Progressive Insurance Right for You?
Match your profile: Safe, low-mileage drivers thrive with Snapshot and bundles. High-risk or claims-heavy? Compare GEICO or State Farm first.
Quick Verdict Table:
| Driver Type | Recommendation |
|---|---|
| Clean Record | Get Quote (Top Pick) |
| DUI/Accident | Compare Others |
| Bundling Needs | Strong Yes |
| Rideshare | Excellent Fit |
Ready to check rates? Start with Progressive’s free online quote, then compare three carriers. Review your state insurance department site for regs and full policy details before deciding.
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