Progressive Insurance Reviews (2026) An In-Depth Look at Ratings, Pricing, and Real Customer Experiences
Introduction
When someone starts shopping for car or home insurance, one name comes up again and again — Progressive. And it’s not hard to see why. With catchy commercials, an instantly recognizable mascot named Flo, and a promise of affordable coverage, Progressive has built a massive following across the United States. But does the experience live up to the advertising?
Progressive Insurance was founded back in 1937 and is headquartered in Mayfield, Ohio. Today, it stands as the second-largest auto insurer in the country, covering more than 13 million policies. Whether someone is a first-time driver, a homeowner looking to bundle, or someone with a less-than-perfect driving history, Progressive markets itself as a company that has something for everyone.
This article takes a close look at Progressive insurance reviews and ratings gathered from multiple trusted platforms, breaks down pricing and coverage options, evaluates customer service quality, and helps readers figure out if Progressive is the right fit for their needs — or if they should be looking elsewhere.
The short version? Progressive’s overall ratings range from 3.1 to 4.7 out of 5 depending on the platform, which tells a pretty interesting story all on its own.
Progressive Insurance at a Glance
Before getting into the nitty-gritty of customer feedback, here’s a quick snapshot of what Progressive actually offers:
- Founded: 1937 | Headquarters: Mayfield, Ohio
- Coverage availability: All 50 U.S. states plus Washington, D.C.
- Total policies: 13 million+
- Financial strength rating: A+ (Superior) from AM Best
- Agent network: 40,000+ independent insurance agents nationwide
- Products available: Auto, home, renters, motorcycle, boat, RV, and commercial insurance
That A+ rating from AM Best is no small thing — it signals that Progressive is financially stable and capable of paying out claims. That’s a reassuring sign for anyone considering a long-term policy.
Progressive Insurance Reviews and Ratings Across Major Platforms
One of the most useful things a potential customer can do is look at how a company is rated across multiple independent review sources. Progressive insurance reviews and ratings vary quite a bit depending on where someone looks — and that variation is worth paying attention to.
WalletHub — 3.1/5 WalletHub gives Progressive a 3.1 out of 5, citing low prices as a major plus but flagging poor customer service experiences and an above-average complaint ratio with the NAIC (National Association of Insurance Commissioners). Its NAIC complaint index sits at 1.52, meaning it receives more complaints than average for a company its size.
The Zebra — 3.8/5 The Zebra rates Progressive at 3.8 out of 5, noting that affordable premiums and wide availability help offset the mixed service reviews. Their team found that Progressive customer service tends to be inconsistent, though pricing remains competitive.
U.S. News & World Report — 4.6/5 (Auto) U.S. News is considerably more generous with its auto insurance rating, giving Progressive a 4.6 out of 5. Strong marks came in for coverage options and customer renewal rates — a signal that existing policyholders tend to stick around.
MoneyGeek — 4.7/5 MoneyGeek rates Progressive at 4.7 out of 5 overall, ranking it among the top five insurance companies in 38 out of 51 states. It earned fifth place nationally for overall customer satisfaction, and second place for coverage options — a standout achievement.
J.D. Power J.D. Power paints a slightly more complicated picture. Progressive scores below average on auto claims satisfaction, but it performs above average when it comes to customer loyalty and renewal likelihood — 87% of surveyed customers say they are likely or very likely to renew their policy, the highest rate in its category.
Progressive Insurance Reviews: BBB Standing
When people search for “progressive insurance reviews BBB,” they’re usually looking for red flags — and it’s a smart instinct. The Better Business Bureau (BBB) is one of the oldest and most trusted consumer protection organizations in the country.
Progressive holds an A+ rating with the BBB, which reflects positively on how the company handles formal complaints and disputes. That said, the BBB rating measures responsiveness to complaints — not the absence of them. The NAIC complaint index of 1.52 confirms that Progressive does receive more complaints than the industry average, though many large insurers fall into this range simply due to sheer volume of policyholders.
For anyone specifically checking progressive insurance reviews BBB, the takeaway is this: Progressive is accredited, responsive, and carries a strong letter grade — but some customers have reported ongoing frustrations with billing and claims handling that made their way to formal complaint channels.
Progressive Insurance Reviews: Consumer Reports & Yelp Insights
Consumer Reports Progressive insurance reviews from Consumer Reports tend to reflect middling satisfaction scores. Consumer Reports surveys its members on insurance company performance and Progressive has historically ranked around average — not at the top, but not at the bottom either. Policyholders tend to appreciate the price but note some friction in the claims process.
Yelp Progressive insurance reviews on Yelp are more varied and often emotionally driven — which is typical of the platform. Happy customers don’t always leave reviews, while frustrated ones usually do. Common themes in progressive insurance reviews Yelp listings include complaints about unexpected rate increases, difficulty reaching claims adjusters, and frustrations with the Snapshot telematics program raising premiums rather than lowering them. On the positive side, many reviewers praise the ease of getting a quote, the helpfulness of specific agents, and the company’s broad coverage offerings.
Progressive Auto Insurance Review
Coverage Options
Progressive offers one of the more robust menus of auto coverage in the industry. The standard options include liability, collision, comprehensive, and uninsured/underinsured motorist coverage — everything a driver legally needs and then some.
Where Progressive really stands out, however, is in its add-on options. Policyholders can customize their plans with:
- Pet injury protection — up to $1,000 in vet bills if a pet is injured in the car
- Rideshare coverage — for drivers who work with Uber or Lyft
- Gap/loan-lease payoff — covers the difference between what a car is worth and what’s owed on a loan
- OEM parts coverage — ensures repairs use original manufacturer parts
- Mechanical breakdown insurance — extends coverage beyond the warranty
- Custom parts & equipment — protects aftermarket modifications
This breadth of coverage is one reason MoneyGeek ranked Progressive second nationally for coverage options.
Pricing & Affordability
Cost is often the first thing people check when reading progressive insurance reviews and ratings — and here, Progressive performs well.
- Average annual rate: ~$2,169 (vs. national average of $2,611)
- Average 6-month policy: ~$1,086
That said, rates are highly individualized. Teens typically pay significantly more. A married 40-year-old with a clean record will see much more favorable pricing than a single 17-year-old or someone with a DUI on their record.
One unique feature is the Name Your Price® tool, which lets users enter a monthly budget and see what coverage options fit within it — a customer-friendly approach that few other insurers offer.
Discounts Available
Progressive offers a wide range of discounts that can bring premiums down substantially:
- Snapshot program (usage-based/telematics)
- Multi-policy bundling (home + auto)
- Good student discount
- Multi-vehicle discount
- Safe driver discount
- Automatic payment and paperless billing discounts
- Professional affiliations
The Snapshot Program — A Closer Look
Snapshot is Progressive’s telematics program — it tracks driving behavior like speed, braking habits, and mileage using a device or app and adjusts premiums accordingly. For cautious, low-mileage drivers, it can be a genuinely great deal. Signing up during the quote process can immediately drop rates.
However, Snapshot has been a polarizing feature in customer reviews. Some drivers report being penalized for hard braking events that were caused by other drivers cutting them off — situations where braking hard was the safer choice. Customers have reported that when policy renewal came around, their 6-month premium had jumped significantly due to Snapshot data. This is a real consideration for anyone thinking about enrolling.
Progressive Home Insurance Review
Progressive also offers homeowners insurance, though it operates somewhat differently in this space — in most states, the actual policies are underwritten by third-party insurers, with Progressive acting more as a marketplace.
- Average monthly cost: ~$215/month (~$2,574/year)
- U.S. News rating: 3.8/5 for home; 4.4/5 on other ranking scales
- Best ranked for: New homes and bundled policies
Pros:
- Discounts for newly built homes
- Home inventory tool available via the Progressive app
- Easy bundling with auto for additional savings
Cons:
- Premium costs are above average for the industry
- Claims may be filed through a third-party insurer, which can add friction
- Consumer survey scores fall below average across most categories
For homeowners primarily looking to bundle with an existing auto policy and save on premiums, Progressive can be a solid pick. But for someone shopping home insurance as a standalone product, other carriers may offer better value.
Customer Service Review
Customer service is one of the most discussed topics in any insurance review, and Progressive is no exception. The company offers phone, online, and mobile app support — but the experience is not universally praised.
The positives: Many customers describe their individual agents and phone representatives as knowledgeable, kind, and genuinely helpful. Progressive also offers 24/7 phone support, which is a meaningful advantage in emergencies.
The challenges: The Progressive mobile app has consistently scored in the bottom percentile among insurance company apps. Long wait times, navigation issues, and limited functionality have been cited in multiple Progressive Insurance reviews on Yelp and other platforms. Some users describe difficulty getting through the automated phone system as frustrating.
Survey data from U.S. News offers a bit more nuance:
- 43% of customers were completely satisfied with the ease of contacting customer service
- 45% were completely satisfied with the quality of service received
Those numbers suggest a decent but not exceptional experience, which aligns with the “average” grade many review platforms assign.
Despite service complaints, 87% of Progressive customers say they are likely or very likely to renew — the highest renewal rate in its category. That kind of loyalty suggests that while interactions may sometimes be bumpy, the overall value proposition keeps customers coming back.
Claims Experience
Filing a claim is the true test of any insurance company, and Progressive’s performance here is mixed but not alarming.
Survey respondents in U.S. News polling were generally positive about their claims experience. However, there are two recurring complaints worth highlighting:
- Rate hikes after claims — Multiple customers have reported significant premium increases after filing even a single claim, which can feel punitive.
- Slower processing times — Compared to some competitors, Progressive’s claims handling can take longer, which is especially frustrating in urgent situations.
Progressive’s NAIC complaint ratio of 1.52 indicates the company receives above-average complaints relative to its size. J.D. Power’s claims satisfaction scores also place Progressive below the industry average. Neither of these is disqualifying, but they are factors worth weighing — especially for drivers who anticipate needing to file claims.
Who Is Progressive Insurance Best For?
Based on progressive insurance reviews and ratings from multiple sources, here’s a clear picture of who benefits most from Progressive — and who might want to look elsewhere.
Progressive works well for:
- ✅ Drivers with a DUI or poor driving history (Progressive is notably competitive for high-risk profiles)
- ✅ High-risk drivers seeking affordable rates
- ✅ Drivers who want highly customizable coverage with add-ons
- ✅ Homeowners who want to bundle auto and home for discounts
- ✅ Drivers in Oklahoma, North Carolina, Louisiana, New York, California, and Oregon — where Progressive ranks as the best overall provider
Progressive may not be the best fit for:
- ❌ Military members and veterans — USAA outperforms on affordability, satisfaction, and coverage
- ❌ Teen drivers — other carriers tend to offer cheaper rates for young drivers
- ❌ Customers who place claims satisfaction above everything else — other insurers score higher here
Progressive vs. Competitors
Progressive vs. GEICO GEICO edges out Progressive on price — averaging around $1,867/year compared to Progressive’s ~$2,060/year. However, Progressive offers significantly more coverage add-ons and customization options. If price is the top priority, GEICO wins. If coverage variety matters more, Progressive is the stronger choice.
Progressive vs. State Farm State Farm consistently ranks higher for customer service satisfaction. For drivers who value smooth, friction-free interactions with their insurer, State Farm is worth the comparison. Progressive tends to offer more competitive pricing for high-risk drivers.
Progressive vs. USAA For military members and their families, USAA is the clear winner — better pricing, better customer satisfaction, and better coverage. Progressive doesn’t compete in this lane.
Progressive vs. Allstate Progressive generally comes in cheaper than Allstate. However, Allstate has a better-rated mobile app experience, which matters more and more as customers expect to manage their policies digitally.
Pros and Cons Summary
| Pros | Cons |
|---|---|
| Below-average auto insurance rates | Mixed customer service reviews |
| Extensive coverage add-on options | App experience rated poorly |
| A+ financial strength rating (AM Best) | Rate hikes after claims are common |
| Available in all 50 states | Home insurance premiums above average |
| Highest renewal rate in its category | NAIC complaint index above 1.0 |
| Snapshot program can lower premiums | Snapshot can also raise premiums |
| Name Your Price® budget tool | Claims satisfaction below J.D. Power average |
Frequently Asked Questions
Is Progressive a good insurance company?
Progressive is a legitimate, financially strong insurer with an A+ AM Best rating and one of the widest coverage menus in the country. Whether it’s “good” depends on the driver’s profile. For high-risk drivers or those looking to bundle, it’s often an excellent choice. For those prioritizing claims satisfaction or app experience, other options may serve better.
Is Progressive expensive compared to other insurers?
Not particularly. At ~$2,169/year for auto, Progressive is below the national average of $2,611. GEICO tends to be cheaper, but Progressive is more affordable than Allstate and many regional carriers.
Does Progressive raise rates after a claim?
Yes, this is a frequently cited complaint in progressive insurance reviews. Premium increases after claims are common — particularly for at-fault accidents. The severity of the increase depends on the type of claim and the driver’s prior history.
What is Progressive’s Snapshot program?
Snapshot is a usage-based telematics program that monitors driving behavior to potentially lower premiums. It rewards careful, low-mileage driving but can increase rates if hard braking or speeding is detected frequently.
How do I cancel Progressive insurance?
Progressive does not allow cancellations online. Customers need to call Progressive’s customer service number directly to process a cancellation. Having the policy number ready can make the process faster.
Does Progressive offer bundle discounts?
Yes. Bundling auto with home or renters insurance through Progressive unlocks meaningful discounts on both policies. It’s one of the most commonly recommended ways to reduce overall premiums.
What do Progressive customers say on Reddit and BBB?
On Reddit, the most common themes are appreciation for competitive pricing and frustration with the Snapshot program’s impact on rates. Progressive insurance reviews BBB show an A+ accreditation, though customers have filed complaints mostly around billing disputes and claims delays. The company is known for being responsive to formal complaints.
Final Verdict
Progressive is a well-established, financially solid insurer that does a lot of things right — especially for drivers looking for competitive rates, flexible coverage options, and the ability to shop and manage policies online. The progressive insurance reviews and ratings landscape shows a company that performs consistently in the “above average” to “good” range, without quite reaching the top tier in customer service or claims satisfaction.
For high-risk drivers, bundlers, and anyone who values coverage customization, Progressive is genuinely worth a closer look. For those who prioritize smooth claims experiences or app quality, it may be worth comparing a few alternatives before committing.
The best next step? Get a personalized quote directly through Progressive’s Name Your Price® tool or speak with one of its 40,000+ independent agents to see what rates look like for a specific situation. Comparing that quote against GEICO, State Farm, or Allstate side by side will make the decision much clearer.
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