Progressive auto insurance Pros and Cons 2023

Car insurance is neither an option nor a luxury when it comes to owning a car. It is a legal and financial responsibility that car owners need to fulfill. If you are looking for auto insurance, chances are that you may have come across Progressive Insurance. They have made quite a name for themselves in the insurance industry with their unique strategies and features. In this blog, we will take a closer look at Progressive Insurance by addressing all the important aspects such as coverage options, discounts, pricing, and customer satisfaction. So, if you are planning to sign up for Progressive Insurance or want to learn more about auto insurance, then keep reading.

Progressive auto insurance coverage

Progressive Insurance provides a variety of standard auto insurance coverage options such as liability, collision, and comprehensive coverage. In addition to these, they also offer additional coverage options like MedPay, PIP, and uninsured motorist protection. What sets Progressive apart is its state-specific coverage options at affordable prices. They also provide customizable coverage options, allowing customers to add features such as roadside assistance, rental reimbursement, and deductible savings. Furthermore, Progressive also offers commercial and classic car coverage, as well as Mexican travel insurance. Overall, the company provides a wide range of coverage options that cater to the different needs of its customers.

See what you could save on car insurance

Progressive offers an average cost of $1,642 per year for full coverage car insurance. The cost of the policy is average for a good driver, with a national average rate of $2,150 per year. Young and safe drivers can expect some of the lowest rates with Progressive auto insurance. In 2022, Progressive car insurance earned an 8.7 out of 10 based on low rates for high-risk drivers.

It’s important to note that quotes received online may differ from those offered through an agency since Progressive uses multiple distribution methods. Prospective customers of Progressive should seek quotes from both sources before making a decision. Regardless of how you obtain a quote, Progressive is an excellent option to consider for those seeking affordable car insurance.

Auto insurance discounts

When it comes to auto insurance with Progressive, there are several discounts available that can help you save money. Loyalty-based discounts are available for customers who have maintained their policies with Progressive for an extended period, while multi-vehicle discounts are available for those who cover multiple vehicles under one policy. Good student discounts are also available for younger drivers.

Progressive offers rental reimbursement for vehicle repairs as part of its policies. Additionally, they offer a continuous insurance discount for no coverage gaps, which rewards customers who maintain continuous coverage without any breaks. Their website offers online quoting functionality, which can help in comparing full-coverage auto insurance policies. Therefore, by taking advantage of these discounts, you can get a good insurance policy at an affordable price from Progressive.

Pricing based on tracked driving habits

Progressive’s Snapshot program allows the insurance company to track driving habits and adjust insurance rates according to your driving performance. With this opt-in program, good drivers can save money on their insurance premiums, with an average discount of $156. However, if Snapshot tracks poor driving habits, rates may increase. Additionally, Progressive also offers a loan/lease payoff coverage, which covers the difference between the car value and loans up to 25%. Other optional coverage options include roadside assistance, custom parts coverage, and rental reimbursement.

Driving habits are tracked through either a device that is plugged into the car or through a mobile app. While some may worry about the potential privacy concerns, Progressive assures that data collected through Snapshot is used solely for insurance purposes, and customers can opt out of the program at any time. Overall, Progressive’s pricing based on tracked driving habits can be a pro or con depending on the individual’s driving record and personal preferences.

Complaints and customer satisfaction

Progressive Insurance has a good customer experience rating, and most customers are satisfied with their claims process and outcome. However, according to the National Association of Insurance Commissioners, Progressive Insurance has received more complaints compared to other top insurance companies, as per the NAIC Complaint Index.

In terms of financial stability, Progressive Insurance has an A+ (Superior) rating according to A.M. Best. However, Progressive Insurance is F-rated on the BBB (Better Business Bureau) for failure to resolve customer complaints. Although the number of BBB complaints is relatively low compared to other insurance companies, customers may want to consider this factor when choosing an insurance provider.


In conclusion, Progressive Insurance has its fair share of pros and cons. It offers a wide range of auto insurance coverages, allows discounts for safe driving, and offers a pricing model tracked by driving habits. However, some customers have reported complaints about their customer service and claim process. It’s always best to do thorough research and compare quotes from multiple insurance providers to find the best fit for you. To learn more about the ins and outs of car insurance, check out our blog on understanding car insurance coverage.