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Progressive auto insurance review and ratings 2025

Progressive is No. 5 among national carriers with 4.22 stars out of 5 in the 2025 Insure.com Best Car Insurance Companies survey.

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Our take

Progressive, a major insurer that covers drivers throughout the United States, ranked No. 5 among national carriers in our Best Car Insurance Companies for 2025 with a score of 4.22 stars out of 5. 

Progressive may have higher monthly premiums than its competitors, but customers reported satisfaction with the insurer’s bundling discount, digital experience and ease of accessing policy documents and services. Progressive also scored high for trustworthiness, and many customers plan on renewing their policies with the insurer. 

Progressive received an A+ (Superior) rating for financial stability from AM Best. 

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Progressive
Progressive Ratings
Overall Rating: 4.22
Average Premium: 2.99
NAIC: 0.71
Customer Satisfaction: 4.29
AM Best Rating: A+
Effective date:

Pros and Cons

Pros:
  • Most customers report a positive digital experience
  • Top company for ease of accessing policy documents and services
  • Most policyholders are satisfied with the auto/home bundling discount
Cons:
  • Higher premiums on average than most other insurers
  • Other companies score higher for available discounts

How much Progressive costs

Among the top companies on Insure.com’s list, Progressive’s monthly premiums are more expensive than average at $166. Its premiums are cheaper than Amica, Farmers and Allstate. The table below shows how much auto insurance from Progressive compares with the monthly rates from its competitors.

CompanyMonthly premium
Allstate$209
American Family$142
Amica$185
Auto-Owners$129
Erie$123
Farmers$199
Geico$147
Nationwide$129
Progressive$166
State Farm$165
Travelers$134
USAA*$115

*USAA is only available to military community members and their families.

How Progressive rates for customer satisfaction

Progressive scored 87% for customer satisfaction, just below the top five insurers in this category. Amica scored the highest (97%), while Travelers ranked the lowest (78%). Geico (90%) and State Farm (92%) ranked higher than Progressive for this metric.

CompanyPercent of customers who are satisfied
Progressive87%
Allstate85%
Travelers78%

How Progressive scores on ease of service

This category measures how easily customers can access policy documents and services. Progressive ranked around the middle of the category results, with Amica taking the top spot at 97%.

CompanyPercent of customers satisfied with the company’s ease of service
Progressive91%
State Farm93%
Nationwide86%

How Progressive scores on policy offerings

Eighty-five percent of Progressive customers reported satisfaction with its policy offerings.

CompanyPercent of customers satisfied with the company’s policy offerings
Progressive85%
Nationwide89%
Farmers84%

Would current customers recommend Progressive to others?

Progressive was one of the top five insurance companies customers would recommend to friends and family members. It and other nationwide insurance companies State Farm, Amica, Nationwide and Geico scored in the 90th and upper-80th percentiles. 

CompanyPercent of customers who would recommend the company to others
Progressive89%
Nationwide96%
Farmers88%

How trustworthy is Progressive?

Progressive was among the top three companies in this category. When customers were asked to rank insurance companies for trustworthiness, 91% of Progressive said they trusted the company. Amica had the highest score in this category at 97%, followed by State Farm at 93%.

CompanyPercent of customers who say they trust the company
Progressive91%
State Farm93%
Farmers84%

Do Progressive customers plan to renew?

Ninety-three percent of Progressive customers plan to renew, a high renewal rate for a national provider. Travelers led this category at 97%, with Amica, Auto-Owners, Liberty Mutual and Geico among the top five.

CompanyPercent of customers who plan to renew with the company 
Progressive93%
State Farm92%
Farmers88%

How Progressive scores on claims handling

Most insurers scored in the 80th percentile, with Progressive at 81%. Farmers led this category at 94%; Amica, State Farm, Nationwide and The Hartford were also among the top five.

Company Percent of customers who are satisfied with the company’s claims handling
Progressive 81%
Amica 89%
Allstate 77%

How Progressive scores on digital experience

Progressive was the second national insurer in our survey results for digital and online experience, scoring 89%. Nationwide led this category at 96%, followed by Amica, Geico, Liberty Mutual and State Farm.

Company Percent of customers satisfied with the company’s digital experience
Progressive 89%
Nationwide 96%
Travelers 79%

How Progressive scores for discounts

When asked about discounts, customers were less satisfied with Progressive’s offerings than other insurers. Progressive didn’t score as well as others in this category.

Company Percent of customers satisfied with the company’s discounts
Progressive 63%
Amica 80%
Travelers 52%

How Progressive scores for bundling home and auto policies

Progressive was among the top three national insurers for home and auto policy bundling. Eighty-eight percent of Progressive customers said they were satisfied with the insurer’s bundling. Nationwide led in this category at 92%, followed by Amica at 89%.

Company Percent of customers satisfied with the company’s home and auto bundling
Progressive 88%
Amica 89%
Travelers 70%

Progressive car insurance coverages

  • Auto 
  • Autocycle 
  • Boat
  • RV
  • Personal watercraft
  • ATV
  • Classic car 
  • Golf cart
  • Segway
  • Snowmobile
  • Mexico auto
  • Mexico boat and watercraft 
  • Mechanical repair

Progressive additional car insurance policies

  • Homeowners
  • Condo 
  • Flood 
  • Mobile home 
  • Life 
  • Umbrella 
  • Travel
  • Wedding and event 
  • Pet 
  • Dental
  • Vision
  • ID theft
  • Health
  • Jewelry

Progressive car insurance coverage options

  • Liability
  • Uninsured and underinsured motorist
  • Medical payments
  • Personal injury protection
  • Comprehensive
  • Collision
  • Loan/lease pay-off
  • Rental car reimbursement
  • Auto roadside assistance
  • Trip interruption
  • Vehicle protection
  • Custom parts and equipment value 
  • Rideshare coverage
  • Deductible savings bank

Progressive car insurance discounts

  • Multi-policy
  • Continuous insurance
  • Teen driver discount
  • Accident forgiveness
  • Snapshot: Safe driver
  • Good student
  • Distant student
  • Homeowner discount
  • Multi-car discount
  • Online quote 
  • Sign online 
  • Paperless
  • Pay in full
  • Automatic payment

States where Progressive offers coverage

Graph
Table
States where Progressive offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Company background

Progressive

Progressive is the second-largest auto insurance company in the U.S. behind State Farm. It has been a pioneer in the industry — creating several firsts, including writing insurance for high-risk drivers, providing concierge service to customers and providing in-person service and support after a claim report.

Resources & Methodology

Sources:

Insurance Business America.“Revealed – State Farm no longer the US’s largest car insurer.” Accessed March 2025.

Methodology

In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories:

  • Customer satisfaction
  • Ease of service
  • Policy offerings
  • Claims satisfaction
  • Digital experience (website/app)
  • Discounts offered
  • Fair rate increases over time
  • Insurance for young drivers/teenagers
  • Insurance for college students
  • Insurance for senior drivers
  • Insurance for drivers with tickets or accidents
  • Auto and home bundling

The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

  • I plan to renew with my current auto insurance company
  • I would recommend my auto insurance company to others
  • I trust my auto insurance company

The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.

They also collected insurance rate data from Quadrant Information Services. With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25% of total score
  • Annual premium: 20% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

author image
Katrina Raenell
Contributing Researcher

 
  

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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