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Progressive home insurance review and ratings 2025

Progressive is the No. 4 company among national insurers in the 2025 Insure.com Best Insurance Companies ranking, with a score of 4.07 stars out of 5. Most customers say they would renew their policies and recommend the company to others.
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Our take 

Progressive is an increasingly popular choice for home insurance and one of the biggest insurance companies in the nation. It landed at No.4 in the 2025 Insure.com Best Home Insurance Companies ranking.

Most Progressive customers plan to renew their policy (92.7%), while 89% would recommend the company to others. Progressive was also highly rated on our survey for trustworthiness, and customers rated the digital experience highly. 

The company also scored well on our survey for auto and home bundling. However, Progressive doesn’t have the lowest rates among the companies in our ranking – at $3,193, Progressive’s rates are above average.  

In most areas, the company has earned a good reputation. 

Progressive has an A+ rating with AM Best, which means it’s on solid financial ground and will be able to pay claims without trouble.

Progressive
Progressive Ratings
Overall Rating: 4.07
Average Premium: 2.19
NAIC: 0.45
Customer Satisfaction: 4.21
AM Best Rating: A+
Effective date:

Pros and Cons 

Pros:
  • Highly recommended by current customers
  • Highly rated for trustworthiness
  • Most customers plan to renew
Cons:
  • Rates are higher than average
  • Scored below average for claims handling

Below is our review of Progressive. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.

How much does Progressive home insurance cost?

Progressive’s average home insurance rate nationwide is $3,193, which is above the national average and higher than most competitors.

CompanyAverage annual rate
Amica$2,000
Allstate$2,098
Auto-Owners$2,160
State Farm$2,169
Erie$2,183
American Family$2,504
Nationwide$2,746
Progressive$3,193
Farmers$3,194
Travelers$3,701

How Progressive scores on customer satisfaction

Our survey found that 84.4% of Progressive customers were satisfied with the company’s service. It wasn’t the highest score, which belonged to Amica at 96.2%, but it was in the top half of the companies we ranked.
Progressive scored 634 out of 1,000 on J.D. Power’s 2024 U.S. Home Insurance Study customer satisfaction index, below the study average of 640.

CompanyPercent of customers that are satisfiedJ.D. Power overall satisfaction score (out of 1,000)
Progressive84.4%634
State Farm89.9%643
American Family86.0%638

How Progressive scores on policy offerings

Progressive scored well for policy offerings, with 85.4% of customers saying they were satisfied. Progressive offers everything from RV insurance to wedding insurance, so a high score in this category is appropriate. Nationwide topped this category, however, at 96.4%.

CompanyPercent of customers satisfied with the company’s policy offerings
Progressive85.4%
Erie89.3%
Farmers80.5%

How Progressive scores on ease of service

When it comes to ease of service – how easy it is for customers to access policy documents and services – Progressive received a good score from its customers. At 88.9%, Progressive is behind category winner Erie, but still scored better than some major competitors.

CompanyPercent of customers satisfied with the company’s ease of service
Progressive88.9%
Erie100%
Travelers83.7%

Would current customers recommend Progressive to others?

According to our survey, Progressive comes highly recommended by current customers; 89% would recommend it for home insurance. Only Erie, which won this category at 92.9%, came in higher than Progressive; if ranked, USAA would have won here.

CompanyPercent of customers who would recommend the company to others
Progressive89.0%
Nationwide75.9%
Amica85.2%

How trustworthy is Progressive?

Progressive has earned the trust of most of its customers, with 89% saying they trust their insurer. Safeco won this category at 95.7%.

CompanyPercent of customers who say they trust the company
Progressive89.0%
State Farm89.4%
Erie78.6%

Do Progressive customers plan to renew?

According to our survey, 92.7% of Progressive customers plan to renew their home insurance with the insurer, which is very high. It was only outscored by Erie at 92.9%. Most carriers did well, scoring in the 80s and 90s here.

CompanyPercent of customers who plan to renew with the company
Progressive92.7%
Travelers90.9%
American Family86.2%

How Progressive scores on claims handling

Progressive was in the middle of the ranking for claims handling; customers surveyed reported 80.4% satisfaction. Erie won this category at 100%. In J.D. Power’s 2024 claims satisfaction study, Progressive ranks below the average score of 869.

Company Percent of customers who are satisfied with claims service J.D. Power claims satisfaction score (out of 1,000)
Progressive 80.4% 851
Erie 100% 888
Farmers 83.6% 883

How Progressive scores on digital experience

Progressive is known for its use of technology, and 92.3% of customers say they’re satisfied with the digital experience, the third-highest score of all the carriers surveyed. Liberty Mutual won this category with a score of 94.3%.

The Progressive app is highly rated, with 4.8 stars in the Apple App Store and 4.6 stars in the Google Play store.

Company Percent of customers who say the company is great for digital experience
Progressive 92.3%
State Farm 82.3%
Travelers 77.8%

How Progressive rates for bundling home and auto policies

According to the survey, 82% of customers were satisfied with the auto and home bundling discounts Progressive offers. Only one other national carrier scored better, even though Progressive’s average discount is much smaller. Amica was the top-scorer, winning the category at 89.5%; USAA would have won if ranked.

Company Percent of customers who say the company is great for bundling Average bundling discount
Progressive 82.0% 5%
Travelers 78.1% 12%
Farmers 68.3% 15%

How Progressive rates for discounts

Among respondents, 76.3% of customers reported being happy with the discounts Progressive offers. Only three competitors scored better. Amica won this category at 84.6%.

Company Percent of customers who say the company is great for discounts
Progressive 76.3%
Nationwide 82.1%
Erie 77.8%

Progressive home insurance coverage types 

  • Homeowners
  • Condo 
  • Flood 
  • Home security 
  • Home warranty 
  • Mobile home 
  • Renters

Progressive home insurance discounts 

  • Bundle homeowners and auto 
  • Alarm systems and safety devices 
  • Quote in advance 
  • New purchase 
  • Pay in full 
  • Receive documents by email 
  • New home construction
  • Wind mitigation (Florida)

Other policies offered 

  • Auto
  • ATV 
  • Boat 
  • Classic car 
  • Golf cart 
  • Mexico auto 
  • Motorcycle 
  • PWC 
  • RV 
  • Segway 
  • Snowmobile 
  • Dental 
  • Health 
  • ID theft 
  • Life 
  • Pet 
  • Phone and electronics 
  • Travel 
  • Umbrella 
  • Vision 
  • Wedding 
  • Business Insurance

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

*Not currently writing new policies in Texas.

Company background

Progressive

On March 10, 1937, Joseph Lewis and Jack Green started Progressive Mutual Insurance Company to provide vehicle owners with security and protection. In 1956, Progressive Casualty Insurance Company was founded as the first specialty underwriter of nonstandard insurance.

The company expanded to writing other lines of business, including home. In addition to providing customers quotes from other companies through its agency, Progressive underwrites its own home insurance program.

Progressive was one of the first insurers to launch a website; it provides coverage across the United States, and is bundling options, discounts, and its well-designed digital experience.

Resources and Methodology

Sources:

Progressive. “Homeowners insurance.” Accessed March 2025.

J.D. Power. “2024 U.S. Home Insurance Study.” Accessed March 2025.

J.D. Power. “2024 U.S. Property Claims Satisfaction Study.” Accessed March 2025.

Methodology

Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.

Respondents were asked to name their home insurer and then grade it in the following categories: 

  • Customer satisfaction
  • Ease of service 
  • Policy offerings
  • Claims satisfaction
  • Digital experience (website/app)
  • Insurance shopping and buying process
  • Billing process
  • Discounts offered
  • Fair rate increases over time
  • Older home coverage
  • Extra coverage included as standard
  • Home and auto 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:

  1. I plan to renew with my current home insurance company
  2. I would recommend my home insurance company to others
  3. I trust my home 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 home 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
Barry Eitel
Contributing Researcher

 
  

Barry Eitel is a content writer and journalist focused on insurance, small business and finance. He has researched and written about personal finance since 2012, with a special focus on entrepreneurship, freelancing and other small business operations. His writing on insurance and small business has been featured in 7x7, Brit + Co, Intuit Quickbooks, Bankrate, Policygenius and Lendio.

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