Progressive Insurance: 7 Shocking Pros & Cons 2025

When you think of auto insurance, there’s a good chance Flo from Progressive pops into your mind with her enthusiastic sales pitch and signature white apron. But beyond the memorable marketing campaigns and catchy jingles, Progressive Insurance has built a reputation as one of America’s largest auto insurers, serving millions of drivers across the nation. The company has positioned itself as an innovative leader in the industry, pioneering usage-based insurance programs and digital-first customer experiences that have transformed how consumers shop for and manage their coverage.

However, popularity and marketing prowess don’t automatically translate to the best value or service for your specific needs. As insurance analysts at RiskGuarder, we’ve conducted an exhaustive examination of Progressive’s auto insurance offerings, diving deep into their financial stability, customer satisfaction scores, pricing structure, and coverage options. Our analysis is based on the official RiskGuarder Review Methodology, which emphasizes data-driven insights over marketing claims to help you make informed decisions about one of your most important financial protections.

Progressive Insurance at a Glance: Key Takeaways

Our Progressive Insurance Rating: A Data-Driven Breakdown

Progressive auto insurance received a rating of 4.2 stars, which is a weighted average based on several important factors that will help shape your experience as a policyholder. Progressive has done well in the area’s of financial stability and technology which received the highest ratings, but has room to improve in customer satisfaction for claims handling.

Financial Strength & Stability

Progressive Insurance, rated A+ (Superior) by A.M. Best—the standard for insurance company financial analysis—shows exceptional financial strength. Meaning, Progressive has superior ability to fulfill ongoing insurance obligations to policyholders, even through difficult economic conditions or times of heavy claims.

The A+ rating means that Progressive is among the top tier of insurance companies in the country, which is excellent financial security for policyholders. Knowing that Progressive has this kind of stability is important because you can have more confidence that will be able to pay your claims when you need them the most. Progressive has a solid capital position and consistently turns profits and can back itself with an A+ rating for consecutive years, meaning it doesn’t just show initial strength but it shows long-term sustainability.

For consumers, this financial strength means peace of mind. While small or less stable insurers may have financial troubles in significant catastrophes or slow economic times, Progressive has a solid financial base which means your coverage will always be there today and in the future regardless of comparison to the outside world!

Customer Complaints & Satisfaction

According to National Association of Insurance Commissioners (NAIC) data, Progressive maintains a complaint index of 0.83, which falls below the industry benchmark of 1.0. This favorable metric indicates that receives proportionally fewer customer complaints relative to its market presence compared to the typical insurance provider, suggesting enhanced customer satisfaction levels within their service delivery. customer experience is acceptable for most policyholders.

Recent studies conducted by J.D. Power provide a nuanced view of Progressive’s overall customer satisfaction performance. Progressive is consistently above average when it comes to shopping satisfaction and customers typically praised Progressive’s user-friendly online quote system and easy-to-understand pricing tools. Claims satisfaction scores for Progressive tend to fluctuate around the industry averages, which indicates that although Progressive excels in providing a good customer experience at the front end of the purchasing process, there still remains an opportunity after-the-fact, which is actually when most of the stress and activity occurs, the claims processing/customer experience throughout stressful times.

The quality patterns of customer feedback suggest Progressive is particularly strong in digital customer service channels, as  their mobile app and website were rated high for quality of functionality and ease of use. Customer complaints about Progressive do tend to be related to their customer service over the phone. Similarly, customers complained about extreme wait times during peak periods.

Pricing & Available Discounts

Progressive is pricing competitively while also offering a suite of discounts. The company has over 15 types of discounts, and many drivers have ways to cut their premiums more substantially through qualifying factors.

The largest discounts that they offer are for household insurance and auto insurance bundled together as a multi-policy discount, safe driver discounts encouraging safety in driving, and their own Snapshot program, which provides easy savings for drivers that display low-risk driving behavior. They give discounts for continuous coverage, full-pay, paperless options, and multiple safety features for the vehicle as well.

Progressive’s Naming Your Price tool is what makes it different when it comes to pricing. This tool allows users to select their desired premium amount on insurance, and then it provides them with coverage options that are available at that price point. While this pricing model does not always provide the lowest and best rates available, it provides transparency and flexibility that many customers find helpful when trying to meet their coverage needs within a budget.

Pros and Cons of Progressive Insurance

Progressive Auto Insurance Coverage Options

Progressive has full auto insurance coverage that meets or exceeds state minimums, but also has upgrades available for drivers wishing for more coverage. A standard policy includes liability coverage for bodily injury and property damage, personal injury protection or medical payments coverage (as required by state), and uninsured/underinsured motorist protection. 

The optional coverage endorsements offered by the company represent considerable value for specific driver needs.

Their Accident Forgiveness program allows you to make your first at-fault accident, and not have your premium be increased, although it usually takes many years of safe driving to have this benefit. The New Car Replacement coverage pays for the depreciation gap that occurs immediately after you purchase a vehicle. If your new vehicle (you insured in the first year) is considered a total loss within the first year, your insurer will give you money to replace with a new vehicle of the same make and year.

Progressive has also tapped into modern driving trends with various types of coverage. The rideshare coverage solves the insurance gap that exists when driving for companies like Uber or Lyft as it covers you when a personal auto policy is in the middle of coverage exclusion but the insurance for rideshare doesn’t begin covering you yet. Given the gig economy, and insurance issues that surround that economy, rideshare coverage is widely helpful coverage.

Custom parts and equipment coverage protects aftermarket modifications and accessories that cannot be replaced or repaired under any standard coverage. This money includes custom wheels, upgraded stereos, and performance enhancements that many drivers use to make their vehicles unique.

Company auto rental coverage provides reimbursement for temporary transportation when your vehicle is being repaired after a covered claim. Because, while some insurance companies will only reimburse up to a minimum daily limit, Progressive allows policyholders a variety of options for rental car accommodations and costs.

Gap coverage covers the coverage gap presented by one of the, if not the largest, financial risks faced by buyers, if the car was financed, or leased, is the money owed on a totaled car. Gap coverage pays the difference between the actual cash value of the car, and the remaining balance of a car loan if your car is totaled. In other words, it prevents owing money to a car you have no ability to drive.

Digital Experience: Website and Mobile App

Progressive has committed substantial resources to digital customer experience as they know that today’s consumers expect their insurance companies to offer a seamless online experience for managing their insurance. Progressive’s website has a powerful quote system that can quickly generate an estimate for consumers while allowing their users to customize coverage options and see the “real-time” pricing impact of their choices.

The Progressive mobile app receives consistently strong user and rating reviews from customers and industry analysts. The app allows policyholders to view policy documents, make payments, change personal information, and file claims, all with the capability to upload photos. The claims process, specifically, is streamlined via the app. Users can report accidents, upload pictures and check on repairs, all from the app.

Snapshot, Progressive’s usage-based insurance program is embedded into their digital platform. It utilizes either a plug-in device or mobile application to track driving behavior, including hard brakes, rapid acceleration, and times of day in addition; the combination of these variables can produce significant potential discounts for safe driving. Drivers are rewarded based on the  driving behaviors that they chose in rating their habits and any data that the tracking records rather than typical demographic information. Their digital Health Dashboard allows easy visualization and tracking of driving patterns, opportunities for savings as well, while gamifiying the insurance experience, which in turn, leads to safer driving behaviors.

The online account management system offered by the company also allows customers to handle many basic processes without engaging the customer service department. Customers can, for the most part, manage policy changes, update payment methods, and adjust their coverage online, when it is convenient for them. The system can save customers time by allowing them to complete many transactions in real-time, knowing they have an immediate confirmation of their change.

However, a few customers commented that while the online tools are efficient, they are overwhelming for users who are less tech-savvy and want a simpler process. Additionally, some complicated policy changes or unique circumstances require a phone contact point, which brings friction when users have transitioned to a completely digital method.

Our Verdict: Is Progressive Insurance a Good Choice?

Following our complete evaluation, Progressive Insurance ultimately is a good fit for many drivers, especially those interested in technology, discounts, and financial stability. Furthermore, Progressive’s A+ financial strength rating means policyholders have an excellent amount of security, and Progressive’s better-than-average complaint index means that customer experiences are generally satisfactory.

Progressive is particularly well-suited for:

Drivers who are tech-savvy and enjoy sophisticated digital tools and mobile app capabilities, will find that Progressive’s digital platform is one of the leading solutions in the industry. the combination of managing policies, filing claims, and the Snapshot program creates an integrated digital experience that few competitors can surpass or match.

Budget-savvy customers will appreciate Progressive’s many savings options. With more than 15 discount categories, most drivers should be able to take advantage of several methods to lower their rates, especially if they bundle their policy or get involved with Snapshot.

For drivers who want usage-based insurance, Progressive’s Snapshot is one of the most mature and easiest to use. Snapshot caters to safe drivers who want their premiums to reflect their low-risk habits. The program gives consumers the opportunity to receive specific feedback and potential savings on their insurance premium based on driving behavior. 

However, Progressive may not be ideal for:

For drivers interested in claims satisfaction more than anything else, they may want to look at competitors that have solid reputations for handling claims. While Progressive is capable of processing claims, and does provide quality service, Progressive doesn’t rank high enough with customers when they access the claims process to consistently be one of the best in the industry.

Consumers who like to have a lot of local agent coverage may find it more difficult to get the support of a Progressive agent in some areas. The company would definitely have agents, but because of their digital-first focus, they will likely have fewer physical locations in some areas compared to traditional insurers.

Even cost-conscious drivers should go shopping. Progressive may have competitive rates, but they’re not the lowest rate every single time. Often, Progressive provides value in their rates and options — not necessarily in rates alone.

The evidence indicates that Progressive has surpassed its marketing image and developed into a true insurance category leader with robust fundamentals and evolving customer experience tools. Their 4.2 star rating reflects this public balancing of strengths and weakness and potential for continued improvement regarding claim satisfaction.

Ultimately, choosing an insurance provider isn’t just about premiums; it’s about peace of mind. It’s about knowing that when life throws an unexpected curveball, you have a reliable partner by your side. Progressive, like any major insurer, has its strengths and areas for growth, but its consistent efforts to innovate and simplify the insurance journey are undeniable.

Now, we want to hear from you! What has your experience been with Progressive Insurance, or with any insurance provider for that matter? Share your insights, questions, and perspectives in the comments below. Your valuable input not only enriches this discussion but also helps others in our community make more informed decisions about their own coverage needs. Let’s start a conversation that truly makes a difference!

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Frequently Asked Questions about Progressive Insurance