Progressive Insurance Review 2019

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About Progressive Insurance

Progressive sells primarily auto insurance, which is about 86% of its business, according to S&P Global Market Intelligence. Commercial auto insurance is about 8% of its business. Homeowners insurance is sold through Progressive's insurance agency from other insurance companies and also from Progressive's subsidiary American Strategic Insurance.

With Progressive's mobile app you can see your policies, view and share your insurance ID card, report and track a claim, get roadside assistance and more.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Car insurance surcharges
Company subsidiaries
Progressive contact information

Progressive auto insurance customer satisfaction ratings 

We asked current Progressive car insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best car insurance companies survey.

Would you choose Progressive auto insurance again?

As another measure of satisfaction, we asked current Progressive auto insurance customers if they would choose the company again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose Progressive car insurance again?

Progressive car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare among Progressive and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
Progressive $1,889

Does Progressive have what you want?

Do you want special features in a car insurance policy? Here's a look at what Progressive offers as add-ons or separate policies:

Website & app

We asked Progressive's auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints about Progressive Insurance

Complaints about Progressive car insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 


Progressive insurance complaints

Progressive car insurance discounts

Here are some of the discounts offered by Progressive, based on EverQuote's analysis of state insurance filings. Discounts might not be available in all states or from all Progressive subsidiaries.


Homeowner
For owning your primary residence.

Mobile home
When your primary residence is a mobile home.

Three-year safe-driving
For customers who've had no at-fault accidents or certain violations and who meet other criteria.

Five years accident-free or five years claim-free
A discount for new customers who meet certain criteria.

Continuous insurance
For new customers, this discount is based on the length of time you've been continuously covered and also based on the previous insurance company.

Distant student
For full-time students under age 23 living at school more than 100 miles from home without a car.

Good student
For full-time students under age 23 who have a B average or better, or a 3.0 GPA or better, or who meet other academic criteria.

Teen driver
For policyholders who have a child driver under age 19 who's single.

Mature driver/defensive driving course
For customers age 55 or older who complete an approved defensive-driving class.


Smart technology
For factory-installed automatic emergency braking.

Recovery device (anti-theft)

Passive restraint

Anti-lock brakes

Daytime running lights

Air bag


Advance shop days
For initiating a quote a certain number of days before the policy effective date.

Paid in full
For paying the full bill with your application or at renewal time.

Electronic funds transfer
For using EFT to pay your bill.

Online quote
For customers who start their quotes online.

Paperless
For receiving policy documents electronically.

E-signature
For new customers who agree to sign documents electronically.

Automatic card payment
For paying automatically with a credit card or debit card.

Multi-car
For insuring more than one vehicle.

Multi-policy
For buying more than one type of policy through Progressive.

Progressive surcharges

Surcharges are extra costs for "risky" factors, generally added when you buy a policy or at renewal time. Auto insurance companies commonly add these surcharges for a specific period of time, depending on the reason. In EverQuote's review of state insurance filings we found Progressive surcharges for:

  • At-fault accidents.
  • Moving violations.
  • Business use of a vehicle.
  • Rideshare use if you drive for a company such as Uber, Lyft, etc.
  • Financial responsibility filing surcharge if you need proof of insurance filed, such as an SR-22. This is in addition to a filing fee.

You may find that some potential surcharges can be waived. You may be eligible for these waivers:

Low payout claims forgiveness waiver: You won't get a claim-related surcharge if Progressive's payout on the claim was $500 or less and you have been with Progressive for at least six months or you had prior insurance.

Accident surcharge waiver: You won't get surcharge for an accident if you've had a Progressive policy for at least 59 months, you reported the claim to Progressive, you didn't have any chargeable accidents or violations in the last 35 months, and you meet other criteria.

Companies within Progressive

Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Progressive's subsidiaries include:

  • Progressive Direct Insurance Co.
  • Progressive Casualty Insurance Co.
  • United Financial Casualty Co.
  • Progressive Northern Insurance Co.
  • Progressive Northwestern Insurance
  • American Strategic Insurance Corp.
  • Progressive Specialty Insurance Co.
  • Progressive Preferred Insurance Co.
  • Progressive American Insurance Co.
  • Progressive Advanced Insurance Co.
  • Progressive Select Insurance Co.
  • Progressive Marathon Insurance Co.
  • Progressive Max Insurance Co.
  • Progressive Michigan Insurance Co.
  • Progressive Universal Insurance Co.
  • Progressive Classic Insurance Co.
  • ASI Lloyds
  • Progressive Mountain Insurance Co.
  • Progressive Gulf Insurance Co.
  • Progressive Premier Insurance Co.
  • Progressive Southeastern Insurance
  • Mountain Laurel Assurance Co.
  • Progressive Garden State Insurance
  • Progressive Hawaii Insurance Corp.
  • Artisan & Truckers Casualty Co
  • National Continental Insurance Co.
  • Progressive Express Insurance Co.
  • Progressive Paloverde Insurance Co.
  • Progressive Security Insurance Co.
  • ASI Assurance Corp.
  • Progressive Bayside Insurance Co.
  • Progressive Property Insurance Co.
  • Drive New Jersey Insurance Co.
  • ASI Preferred Insurance Corp.
  • Progressive West Insurance Co.
  • ASI Select Insurance Corp.
  • ASI Select Auto Insurance Corp
  • ASI Home Insurance Corp.
  • Blue Hill Specialty Insurance Co.
  • Progressive Commercial Casualty Co.
  • Progressive Choice Insurance Co.
  • Progressive Freedom Insurance Co.
  • Progressive County Mutual Insurance Co.

Source: S&P Global Market Intelligence

Progressive Insurance contact information

Headquarters:
6300 Wilson Mills Road
Mayfield, OH 44143
website
Customer service and claims: (800) 776-4737

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Progressive in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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