Choosing the right insurance company is a big decision. With so many options available, you might wonder, “Is Progressive Insurance good?” Whether you’re thinking about car insurance, home coverage, or bundling different policies, it’s important to understand what Progressive offers, where it excels, and where it might fall short.
In this article, we’ll take an honest, detailed look at Progressive Insurance to help you decide if it’s the right fit for you.
🚗 A Brief Overview of Progressive Insurance
Founded in 1937, Progressive has grown into one of the largest and most recognizable insurance companies in the United States. It’s especially known for:
- Competitive car insurance rates
- The popular spokesperson “Flo” in advertising campaigns
- Tools like Name Your Price® and Snapshot® (usage-based insurance)
Today, Progressive offers a range of insurance products beyond auto, including home, renters, motorcycle, and even life insurance.
✅ What Progressive Does Well
Here are the main reasons customers choose Progressive:
1. Affordable Pricing Options
Progressive is often praised for offering some of the lowest car insurance rates, especially for drivers with a clean record. Thanks to their “Name Your Price” tool, you can set a budget, and Progressive suggests coverage options that fit it.
Example:
If you want a premium of under $100/month, Progressive can customize a policy around that target — though coverage limits might vary.
2. Convenient Digital Tools
Progressive has one of the best online platforms among insurance providers. Through the mobile app or website, you can:
- Get a quote within minutes
- File a claim
- Track your claims process
- Manage payments and coverage
This self-service model appeals especially to tech-savvy customers.
3. Strong Discounts
Progressive offers many discounts, such as:
- Multi-policy discount (bundling home + auto)
- Safe driver discount
- Good student discount
- Continuous insurance discount
- Homeowner discount (even if you insure elsewhere)
On average, customers who qualify for multiple discounts can save over 20%.
4. Snapshot® Program
Snapshot® is Progressive’s usage-based insurance program. It tracks your driving habits (like braking, speed, and time of driving) and offers personalized discounts for safe driving.
Fact:
Safe drivers can save an average of $156 annually with Snapshot, but risky drivers might see a premium increase.
❌ Where Progressive Falls Short
No company is perfect. Here are a few complaints about Progressive:
1. Customer Service Variability
Progressive’s customer service reviews are mixed. Some customers report fast, efficient service, while others mention delayed responses during claims.
This variability often depends on location and the adjuster handling your case.
2. High Rates for High-Risk Drivers
If you have a DUI, accidents, or multiple speeding tickets, Progressive’s rates can be higher than average compared to companies like GEICO or State Farm.
3. Limited Local Agents
Unlike companies like State Farm, which are known for local agent support, Progressive relies more heavily on digital tools and call centers. If you prefer face-to-face service, this might not be ideal.
🔍 Progressive vs Competitors: Quick Comparison
| Feature | Progressive | GEICO | State Farm |
|---|---|---|---|
| Mobile App Rating | 4.7/5 | 4.6/5 | 4.8/5 |
| Average Annual Premium (Good Driver) | ~$1,500 | ~$1,350 | ~$1,480 |
| Best For | Tech-savvy, budget shoppers | Budget shoppers | Personalized service |
| Snapshot Program Available? | Yes | No | No |
📋 Who Should Consider Progressive Insurance?
You might want to choose Progressive if:
- You’re comfortable managing insurance online or via app
- You have a clean driving record
- You want to bundle multiple policies for discounts
- You like tracking your driving habits for possible extra savings
❓ FAQs About Progressive Insurance
Q1: Is Progressive good for high-risk drivers?
Answer:
Not the best. Progressive may insure high-risk drivers, but premiums can be much higher compared to competitors specializing in non-standard coverage.
Q2: How fast does Progressive settle claims?
Answer:
Most simple claims (like minor accidents) are processed within a few days. More complex claims may take longer, depending on documentation and repair processes.
Q3: Can I bundle my auto and renters insurance with Progressive?
Answer:
Yes! In fact, bundling can save you up to 12% or more on combined policies.
🎥 Watch This: Honest Review of Progressive Insurance
If you prefer a quick video explanation, here’s a helpful review of Progressive Insurance that covers real customer experiences, pros, and cons:
🏁 Final Verdict: Is Progressive Insurance Good?
Overall, Progressive Insurance is a solid choice for many people — especially those who value:
- Affordable coverage
- Online convenience
- Good discount options
- Innovation with programs like Snapshot
However, if you prefer strong local agent support or you have a complicated driving history, you might want to compare options before choosing.
Tip:
Always get quotes from at least 2–3 insurers before making a final decision.