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Progressive Review

Progressive auto insurance offers industry-leading driver and vehicle discounts, helping to keep premiums low. With solid claims management and unique coverage options, Progressive car insurance stands out as a premier insurance provider. Get Quotes

Fletcher Wilson

Fletcher Wilson

Auto Insurance Expert

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Updated: March 19, 2014

The Good

Comprehensive driver discounts:

Progressive auto insurance offers some of the most comprehensive driver discounts in the industry. Discounts can be an excellent resource to help you reduce your auto insurance premium while still maintaining quality coverage. Progressive auto insurance includes common discounts like good driver and multiple policy, as well as accident forgiveness, military, loyalty, and several others.

Strong claims management features:

With a 24/7 claims center and the ability to file a claim with an agent, online, or on your mobile phone, Progressive allows you to manage your claims in the manner most convenient for your circumstances. Featured prominently on the Progressive car insurance website is a link to the claims center which allows customers to log in and report and track a claim. For those unfortunately instances where a claim is necessary, having access to so many filing options is a great resource.

Pet injury coverage:

In addition to the standard liability and bodily injury coverages aimed at protecting family and other loved ones, Progressive auto insurance also offers pet injury coverage. With pet injury coverage, you can receive up to $1,000 to treat injuries sustained by your cat or dog in an auto accident. The most amazing aspect of pet injury coverage is that it is included in your collision coverage, and comes at no extra charge in most states. For those animal lovers looking to protect their pets, Progressive auto insurance is a solid choice.

Diverse vehicle discounts:

Receiving discounts related to your vehicle is another great way to reduce your premium and lower your expenses. With Progressive car insurance, you can receive vehicle deductions if your car has an anti-theft device or built-in safety features like anti-lock brakes, or if you drive an electric car. When it comes to identifying driver and vehicle discounts, you will be hard pressed to find another auto insurance company offering more than Progressive.

Snapshot device rewards good drivers:

Snapshot is a program offered by Progressive car insurance that monitors your driving and offers discounts based on your driving habits. Progressive will send you a small device that plugs into your car and records how you drive. Based upon your driving habits, you can be eligible for safe driver, low mileage, and other discounts. Progressive auto insurance even makes it easy by allowing those discounts to kick in automatically. Snapshot is free and is a great way to monitor your driving and get access to a few extra discounts.

The Bad

No new car replacement or GAP insurance:

For most of us, buying a new car will mean getting some form of auto loan. In those unfortunate cases when a new car is badly damaged, oftentimes the insurance will not cover the cost of the loan, leaving you in a tough financial spot. GAP insurance, which covers the difference between the actual value of a totaled car and the balance remaining on your auto loan, and new car replacement, which replaces a totaled car with a brand new car, are both not offered by Progressive car insurance. If these insurance coverages are particularly important to you, Progressive auto insurance may not be the best fit.

Mixed mobile app reviews:

As mobile devices have become more prominent in popular culture, Progressive auto insurance and other top companies have developed mobile applications to assist policyholders with common policy management tasks. The mobile application offered by Progressive includes the ability to file a claim, access your insurance cards, get an auto insurance quote, and more. However, the user reviews for both the Apple- and Android-based applications are mixed with many people voicing negative opinions. A mobile app may not be the most important factor in the auto insurance purchase, but for those that are constantly on the go, being able to do more from your phone is a nice bonus.

The Details

Financial Strength
A.M. Best FSR Rating A+
A.M. Best ICR Rating aa
Moody's Rating Aa2
Standard & Poor's Rating AA


Driver Discounts

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  • Accident Forgiveness - Your rates do not automatically increase after an accident.
  • Defensive Driver Discount - You can get a discounted rate if you complete a defensive driving course.
  • Discount Finder - The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.
  • Driving Habits Discount - You can get a discounted rate if you place a device in your car that measures your driving habits.
  • Good Driver Discount - You can get a discount for having a clean driving record.
  • Good Student Discount - Students that maintain a good GPA can get a policy discount.
  • Low Mileage Discount - You can get a discount for driving low mileage each year.
  • Loyalty Discount - You can get a discount if you remain with the company over an extended period of time.
  • Military Discount - You can get a discount if you are a member of the military.
  • Multiple Policy Discount - You can get a discount for having multiple insurance policies with the same company.
  • Multiple Vehicle Discount - You can get a discount if you insure multiple vehicles.
  • Prepay Discount - You can get a discount if you pay your premiums in advance.
  • Family Discount - Direct family members of current policy holders get a low rate.
  • Organization Discount - You can get a discount to if you are affiliated with certain organizations or partner companies.

Payment Options

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Policy Coverage

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Policy Management

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Vehicle Coverage

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Additional Benefits

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Claim Management

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Getting Started

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Learning Materials

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Vehicle Discounts

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