When I first bought my car, I had no idea what insurance plan to choose. Between all the ads, confusing terms, and endless coverage options, it felt like trying to read a different language. After days of research and a few awkward calls with agents, I landed on Progressive Insurance and let me tell you, it’s been a journey.
In this post, I’ll share everything I’ve learned over the past 10+ years of dealing with Progressive as a customer and advisor the good, the bad, and the honest. Whether you’re shopping for your first policy or thinking about switching, this guide will help you understand what Progressive really offers.
What Is Progressive Insurance?
Progressive Corporation, founded in 1937, is one of the largest auto insurance providers in the U.S. They’re known for their quirky commercials (hello, Flo!) and for being one of the first insurers to offer quotes online.
Key Stats:
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3rd largest auto insurer in the U.S. (2024, NAIC)
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Serves over 28 million policyholders
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Offers insurance for cars, motorcycles, RVs, boats, and even pets
What Does Progressive Insurance Cover?
Types of Insurance Offered by Progressive
Progressive offers a wide variety of coverage, but let’s break down the main ones you’re likely to consider
Auto Insurance
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Liability coverage: Covers damages/injuries you cause to others
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Collision coverage: Pays for your car damage in accidents
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Comprehensive: Theft, vandalism, natural disasters
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Uninsured/underinsured motorist: Protects you from others who don’t have enough coverage
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Medical payments / PIP: Covers your medical bills regardless of fault
Home & Renters Insurance
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Fire, theft, liability, and natural disasters
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Often bundled with auto for discounts
Other Insurance Options
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Motorcycle, Boat, RV
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Life Insurance
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Pet Insurance (through Pets Best)
Pro Tip: I bundle my auto and renters insurance and save about 12% per year. Bundling can make a surprising difference!
How Does Progressive Stand Out?
Having tried two other providers before settling on Progressive, here’s what I personally found unique:
1. Name Your Price® Tool
When I first used this tool, I thought it was a gimmick. But it’s actually quite useful. You type in what you want to spend, and it tailors coverage options that fit that budget.
2. Snapshot® Program (Usage-Based Discount)
Progressive tracks your driving habits (via app or plug-in device) and rewards safe behavior with significant discounts.
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Braking smoothly
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Avoiding late-night drives
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Minimal hard accelerations
I earned a 17% discount my first year using Snapshot!
3. 24/7 Claims Service
I filed a claim at 2 AM once after a hit-and-run. Within 10 minutes, I had a claim number, a recommended repair shop, and a rental arranged for the morning. That kind of service isn’t easy to find.
What Does Progressive Insurance Cost?
Let’s talk money. Here are some ballpark figures based on real users’ experiences in 2024:
| Driver Type | Avg Monthly Premium |
|---|---|
| Young Driver (under 25) | $165 – $280 |
| Middle-aged, clean record | $90 – $145 |
| High-risk driver | $200 – $350 |
| Full coverage bundle | $120 – $220 |
Note: Rates vary by state, vehicle, driving record, and credit score.
Case Study: My Progressive Claim Experience
Background: I was rear-ended at a red light.
Claim Process:
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Reported the claim via app
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Took photos and uploaded them directly
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Claims adjuster called me within 3 hours
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Car was at the repair shop the next morning
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Rental car provided by Enterprise
Total Time to Settle Claim: 5 days
Out-of-pocket cost: $500 (my deductible)
Result: No increase in premium (thanks to accident forgiveness)
Takeaway: Efficient, stress-free, and surprisingly personal.
Pros & Cons of Progressive
Pros
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Easy online quotes and policy management
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Solid bundling and discount options
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Helpful mobile app and digital tools
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Excellent customer service during claims
Cons
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Snapshot might penalize aggressive drivers
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Not the cheapest for teen or new drivers
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Rates can increase after 6-month policy renewal
Is Progressive Right for You?
When Progressive Might Be a Good Fit
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You drive safely and want to save with Snapshot
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You prefer managing your policy online or via app
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You want to bundle home + auto for extra savings
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You value customer service during claims
When You Might Look Elsewhere
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You’re a high-risk driver looking for the cheapest premium
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You don’t want driving behavior tracked
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You want a long-term fixed-rate plan
How to Get Started with Progressive (Step-by-Step)
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Visit: Progressive.com
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Use “Name Your Price” tool to input your budget
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Customize coverage based on state requirements & personal needs
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Check discounts (Snapshot, multi-policy, good student, etc.)
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Purchase online or speak to a local agent
Must-Have Features from the App
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View ID cards digitally
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File claims with photos
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Track Snapshot score
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Pay and renew policies
Frequently Asked Questions (FAQs)
Q1: Is Progressive Insurance legit?
Yes! Progressive is one of the largest and most trusted insurance companies in the U.S., with over 85 years in the business.
Q2: Can Progressive cancel my policy?
Yes, like all insurers, they can cancel for non-payment or fraud. However, they usually give notice and a grace period.
Q3: Does Progressive raise rates after a claim?
Sometimes, especially if you’re at fault. But if you have accident forgiveness, your rate may not increase.
Q4: What’s the difference between Progressive and GEICO?
Progressive often has better bundling options and digital tools, while GEICO may offer slightly lower base premiums for some drivers.
Q5: Can I switch to Progressive mid-policy?
Absolutely. You can switch any time. They’ll even help you cancel your old policy.
Final Thoughts: My Honest Take
After more than a decade of being insured with Progressive including two claims, a few policy changes, and many customer service calls I’d say:
Progressive is not just a tech-savvy insurer, they’re reliable when it matters most.
They may not be the cheapest option for everyone, but if you value convenience, great tools, and top-tier service — Progressive is worth a serious look.