Reviews Report
- Reviews.com scores Progressive with a 3.25 out of 5 based on rates, customer ratings and product offerings. Since 2021, homeowners premiums have risen markedly as insurers respond to higher rebuilding costs, catastrophe losses and reinsurance expenses; multiple independent sources report sustained double-digit rate actions across 2023–2024 with continued firmness into 2025 (LexisNexis 2024 U.S. Home Trends; Insurance Information Institute).
- Save time shopping around for home insurance when using the Progressive HomeExplorer quote comparison tool.
- Customers can choose from several different coverage options based on how much coverage is needed, but pricing and discounts vary by state and underwriting partner. Recent 2025 rate studies indicate Progressive’s modeled premiums for a standard HO‑3 profile tend to be near or slightly above national averages, while USAA and State Farm often benchmark lower for many profiles (Bankrate; NerdWallet).
Founded in 1937, Progressive offers a suite of insurance products, including home insurance. For context, NAIC’s latest Homeowners Insurance Report (policy year 2022) is the authoritative baseline for average HO‑3 premiums by state and shows material increases versus prior years, with additional marketwide increases reported into 2024–2025 (NAIC; LexisNexis; Triple‑I). Progressive’s Property segment continues to grow premiums and policies in force amid these conditions, reflecting ongoing rate actions similar to the broader market (Progressive investor relations).
Progressive homeowners insurance is distributed nationally but underwritten by partner carriers, so coverage options, discounts, and service experiences vary by state. Pricing is highly regional: catastrophe‑exposed areas (e.g., Gulf and Atlantic coasts and wildfire‑prone regions) and locales with elevated rebuilding costs tend to see higher premiums and tighter underwriting according to industry analyses (Insurance Information Institute; LexisNexis Home Trends). Progressive holds an A+ AM Best Financial Strength Rating, which indicates “Superior” ability to meet ongoing insurance obligations; for consumers, this speaks to claims‑paying capacity and financial resilience over time (AM Best rating guide; NAIC consumer insight).
Progressive Homeowners Insurance Overview
Progressive Homeowners Insurance vs. The Competition
| Provider | Reviews.com Score | Avg. Premium* | J.D. Power Customer Satisfaction** | AM Best |
| Progressive | 3.25 | Near/slightly above national average for a standard HO-3 (see 2025 rate study) | Around segment average; strong digital | A+ |
| Nationwide | 4 | Mid-range on average; can improve with telematics (see 2025 study) | Near industry average | A+ |
| USAA | 3.8 | Often among the lowest for eligible members (see 2025 study) | Very high (not ranked) | A++ |
| State Farm | 2.8 | Frequently below national average for standard profiles (see 2025 study) | Above average in many regions | A++ |
Information current as of 2025. Averages reflect modeled profiles from independent rate studies; actual premiums vary by state, coverage limits, deductibles, and risk profile. For authoritative state baselines, see the NAIC Homeowners Insurance Report; for recent trend drivers, see LexisNexis and Triple‑I.
**J.D. Power customer satisfaction references include the latest U.S. Auto Insurance Study (policy experience, 1,000-point scale), the Insurance Digital Experience Study, and the U.S. Auto Claims Satisfaction Study. USAA is typically shown for reference but excluded from formal rankings due to eligibility.
Progressive vs. Nationwide
Progressive and Nationwide are both popular national carriers with strong financial strength. On 2025 pricing comparisons, both generally fall in the mid-range nationally, with Progressive often near or slightly above the national average for a standard HO‑3 profile and Nationwide close to mid‑pack; state factors and telematics can flip results (Bankrate; NerdWallet). Progressive offers water backup and personal injury optional coverages, while Nationwide offers coverage for water damage plus replacement cost, credit card, ordinance law, identity theft, roof replacement coverage, earthquake, and flood coverage. Nationwide’s SmartRide telematics can add meaningful savings for safe drivers (SmartRide up to 40%).
Progressive vs. USAA
USAA typically has cheaper rates than many carriers for those who qualify for membership. In 2025 cross‑carrier comparisons, USAA is frequently among the lowest‑cost options for eligible members, while Progressive tends to price near the national average (varying by state and profile) (Bankrate; NerdWallet). When comparing Progressive and USAA, the main difference is accessibility — USAA insurance is only available to those who qualify for membership due to being affiliated with the military. However, Progressive also maintains a commitment to military members.
USAA consistently scores high in independent satisfaction benchmarks but is not officially ranked by J.D. Power due to eligibility restrictions; Progressive typically trends around the mass‑market average with strong digital tools (ACSI; J.D. Power 2025; Digital Experience).
Progressive vs. State Farm
Both Progressive homeowners insurance and State Farm have a long-standing history of providing insurance in the U.S. In 2025 benchmarking, State Farm frequently posts lower-than-average prices for many standard profiles nationally, while Progressive commonly lands near or slightly above the national average depending on state and home characteristics (Bankrate; NerdWallet). For homeowners looking for basic insurance without too many bells and whistles, Progressive could be a great option, but for customizable coverage, you may want to consider State Farm and add-ons including pet medical coverage, additional liability, and flood insurance. State Farm’s Drive Safe & Save telematics program can further improve pricing for safe, low‑mileage drivers (program details).
Progressive FAQ
Methodology
We evaluated Progressive based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score using current, third‑party data sources and regulatory reports to reflect 2025 market conditions.
- Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
- Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating (NAIC Consumer Insurance Search).
- Customer Satisfaction: We reference the latest industry satisfaction benchmarks, including the ACSI Property & Casualty study (ACSI) and J.D. Power’s most recent studies (e.g., 2020 Home Insurance Satisfaction Study).
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability; an A+ Financial Strength Rating denotes “Superior” ability to meet ongoing obligations (AM Best guide).
- Discounts and Pricing Context: We reviewed publicly advertised discount lineups and usage‑based programs, and we used independent 2025 rate studies for modeled average premiums by company and state (Bankrate; NerdWallet). For authoritative state averages and policy‑form context, we referenced the latest NAIC Homeowners Insurance Report. We also drew on trend analyses from LexisNexis and the Insurance Information Institute.
