Progressive Auto Insurance

6.7

Overall Score

36 User Reviews

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Progressive Insurance was founded in 1937 by Joseph Lewis and Jack Green in order to provide vehicle insurance in innovative ways. They were the first company to offer drive-in claim service and the first company that allowed customers to pay their premiums in installments rather than large lump sums. Throughout the 1960s, the company continued to grow and expand and by 1987, they finally reached $1 billion in premiums.

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#5 Progressive Auto Insurance Logo Progressive Auto Insurance

6.7

Overall
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36 User Reviews

The Good

  • Coverage features
  • Price range
  • Service coverage
  • Discounts
  • File/track claims

Coverage Features

Progressive offers the following options for policyholders. It is important to note that each state has different coverage limits and that each feature may not be included in every policy.

  • Liability Coverage for at-fault repairs and medical care to those whom the policyholder has caused to another individual(s) and their vehicle.
  • Medical Payments for any post-accident related medical care which protects the policyholder, as well as any passengers injured in an accident. This type also covers medical care should the policyholder be a pedestrian injured.
  • Un/Underinsured Bodily Injury covers medical expenses and lost wages due to an accident caused by another driver.
  • Collision Coverage will protect the policyholder's vehicle should they be hit by another driver. After the deductible is met, they will pay out for any other expenses for auto repair.
  • Comprehensive Coverage protects the policyholder in the event of a natural disaster, vandalism or theft.
  • Uninsured Motorist Property Damage protects the policy holder's vehicle should damages occur by an uninsured driver.
  • Loan/Lease Payoff (Or GAP) protects the vehicle should it ever be declared a total-loss. Up to 25% of the actual cash value will be paid toward the amount owed to the lender.
  • Pet Injury protection will help pay for the Veterinarian bill if a family pet, such as a dog or cat, is hurt during an accident. This coverage is included with collision coverage.
  • Rental Reimbursement will pay for a rental car for up to 30 days when the protected vehicle is in the shop.
  • Custom Parts & Equipment Value is for those who have added valuable accessories to their vehicles such as stereos, GPS systems, custom parts and custom paint.
  • Emergency road service covers the cost of basic roadside assistance, such as emergency towing, etc.

Price Range

Progressive polices range from $65 to $202. As with most companies, the more coverage you wish to obtain, the higher the premium will rise. For example, adding Roadside Coverage or Uninsured Motorist Property Damage will increase rates. Again, prices vary with each state, driver and vehicle type.

Service Coverage

Progressive provides coverage in 49 states, with Hawaii being the exception. They also have a great social media presence and are pretty savvy when it comes to communicating to their customers and potential customers through various social media platforms. They seem to have more of an online presence than most large insurance companies.

Discounts

Progressive offers a comprehensive range of driver discounts:

  • Start your quote online
  • Multi-product/bundle
  • Safe driver
  • Multi-car
  • Homeowner
  • Continuous insurance
  • Sign documents online
  • Pay in full
  • Automatic bill pay
  • Good student
  • Minor child driver

One interesting option is Progressive's Snapshot program. Though optional, it allows drivers to connect a small device into their vehicle's OBD-II port. This device monitors driving activity and periodically offers discounts based on actual driving habits. Though this might seem a bit too intrusive to some people, it is a good way for safe drivers to prove their track records and get all of the discounts they deserve. This program is optional and free to join, and any discounts that customers earn are applied automatically.

File/Track Claims

Drivers can file and track claims either directly with an agent, over the phone or online, with the claim center operating around the clock.

Progressive offers a free mobile app that allows customers to access many online features, including filing and checking on claims, getting an insurance quote and accessing insurance cards. This adds an extra level of convenience.

The Bad

  • Possible fees
  • Customer service
  • Legal issues

Possible Fees

It must be noted that one of Progressive's early innovations was providing insurance to high-risk drivers. Today, drivers who have had a few accidents or who are otherwise considered high-risk will find Progressive rates super cheap compared to the competition. However, these cheaper rates are not so noticeable for good drivers. Also, some customers have complained that Progressive makes up for the initially low rates by "nickel and diming" customers with fees.

Customer Service

The poor quality of customer service at Progressive is a common complaint. Many have said it's hard to get hold of an actual person or to get a response in a reasonable amount of time. Others have found it difficult to get problems resolved.

Legal Issues

The company received some bad publicity over an incident in 2012 when Progressive fought to avoid paying a claim for a customer killed by a hit-and-run driver who sped through a red light. Even though the customer had underinsured motorist coverage, Progressive went so far as to provide legal assistance to the defense in order to attempt to avoid paying. Though this is just one incident, coupled with a vast number of complaints about "nickel and diming" and bad customer service, it bears noting.

The Bottom Line

Progressive offers low insurance quotes, notably lower than many of their competitors. Whether or not these rates hold up is hard to judge, with some complaining about hidden fees. However, there are a good number of discounts, coupled with the Snapshot program, so customers should be able to save a good deal of money.

This company has been an innovator throughout its many years in business, inventing industry-wide standards like paying premiums in installments. Also, it's a great company for high-risk drivers. Though there are complaints about customer service, the mobile phone app leaves something to be desired, and they lack gap coverage, overall Progressive offers a wide array of services at affordable rates.

User Reviews

3.8

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2

Kenneth Holley

February 12th, 2018 Virginia Beach, VA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

my premiums are at such a high rate I cannot afford them

Helpful?

4

cheryl kumiski

February 12th, 2018 Tampa, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Had an accident and my insurance doubled. Paid for years with no accident, then they double the cost when I needed them? What a racket!

Helpful?

10

Nadezhda Mezentseva

February 5th, 2018 Herndon, VA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

the best price, high quality insurance, great customer service

Helpful?

10

Gertrude Whelan

February 5th, 2018 Melbourne Beach, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

very organized and efficient. always repond quickly and accomodaating.

Helpful?

10

Patty Cruz

February 5th, 2018 North Fort Myers, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are reasonably priced. Easy to file a claim, easy to add or remove a car off the policy

Helpful?

10

Margie Ramirez

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They Always takes care of their customers no matter what

Helpful?

10

ldonj

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Quick service and very helpful with my daughter's accident.

Helpful?

8

Catrina L. Smith

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I am satisfied with Progressive because it is affordable. The website is user friendly, and I can easily get access to my identification cards to print them, or I can have it digitally.

Helpful?

8

nako

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

All around good company. You get a free perkshare program where get free or discounted services/items including rental cars.

Helpful?

10

Alfredo Tinoco

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

So far pricing and customer service setting up the insurance. I haven't had any claims.

Helpful?

2

Kenneth Ambrose

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they were no help at all after we were hit by an illegal driver running a red light

Helpful?

10

D. Mitchell

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Their rates are competitive and their service is top notch. Mr wife and I have both filed claims for minor repairs on our vehicles and both were repaired within a week using their preferred repair shops.

Helpful?

10

Anna

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

ITS BEEN GOOD, BUT THE ONLY DOWNFALL IS THEY RAISE IT EVERY TIME THE POLICY IS UP

Helpful?

4

D osborne

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They raised my rate 200 for nothing... no crashes, no tickets just a higher rate

Helpful?

10

Charlene Noblick

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Always Dependable. When I had a claim, they immediately took care of me.

Helpful?

10

Billy johnson

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great customer service great prices awesome kind and friendly people to deal with

Helpful?

10

JOHN MOSELEY

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great and easy to use website. Low premium. I have not had to file a claim yet

Helpful?

Verified Customer

10

Rick Kober

January 15th, 2018 Brigham City, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

very responsive to my questons. very responsive to my claim.

Helpful?

10

Anping Liu

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Efficient and warm communications, smooth claims.

Helpful?

6

B Young

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Very high rates confusing rate increases. I have nothing else to say

Helpful?

6

Jennifer Stefanow

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Well, I THOUGHT I had full overage for everything including a tow and rental. However, they only cover a tow <20 miles from your home, and my car broke down 90 miles away. Not good if you drive any distance. And I did NOT have rental coverage as I was told, and as such, was without a car for a month. They are pleasant to deal with on the phone, but their services were not what I was promised.

Helpful?

2

Larry K

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Hate them dishonest and not trustworthy. Yea their ads R good but service a o

Helpful?

2

Linda

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I left Progressive because they kept going up on my rates and I wanted a company that would also insure my home.

Helpful?

6

Mary Eriven

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They Cost to much and like other companies they have the lower deductible and give you a check back progressive is not giving you anything back

Helpful?

4

Mark

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Premiums are good, insurance sales OK, claims are terrible.

Helpful?

10

Michael Jucius

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I expect the best service and they provide.

Helpful?

6

Tiffany Flanagan

January 9th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Rates raise even for no tickets or accidents falling off

Helpful?

8

Alle

November 20th, 2017 South Jordan, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Progressive has always been easy to work with. I've been with them for about 2 years and haven't had any problems. The prices are fair and competitive

Helpful?

10

Ken

November 20th, 2017 South Jordan, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Progressive prices are great, their customer service is good, their online services are great, and their claim service is fantastic.

Helpful?

10

Kristy

November 9th, 2017 Boise, ID DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They were very helpful when I got into an accident. Very quickly resolved.

Helpful?

8

Nichole Davidson

November 3rd, 2017 Sandy, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I hate commercials, but Flo is my girl! I love that Progressive went with a humor theme and used actors that look normal. I've been with Progressive for 5+ years and am happy so far. Prices seem fair and have gone down a bit since first signing up with them. Their website and mobile app are great and surprisingly easy to navigate. If you need to make any changes the online/app process couldn't be any easier or quicker! I am nervous if I get into an accident (knock on wood!) that I'll have to really fight them to get the money I need. I haven't heard great things in that regard.

Helpful?

1

Rachel Campbell

October 30th, 2017 Duncanville, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Poor customer service and communication. Poor results when "supporting" their customers in times of need or crisis

Helpful?

8

Landon

October 26th, 2017 Centerville, UT

I've never used Progressive insurance, but I've seen a lot of their commercials. Most of them are very annoying. I just wish there wasn't a progressive commercial every commercial break. Maybe cut back on the amount of commercials you guys have? Then maybe I would like you more..

Helpful?

8

Melinda Parris

October 24th, 2017 Tucson, AZ DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they are reasonably priced compared to other "bigger" name brands

Helpful?

9

Jonny Hancock

May 31st, 2017 Draper, UT

Progressive is an easy to work with company that provides great service and affordable rates. I purchased my motorcycle insurance through their personal lines and it was fast and simple to get it set up. I highly recommend using Progressive as your personal auto insurance provider.

Helpful?

9

C.T. Kerney

September 15th, 2016 Lyndhurst, NJ

As my own driver, without my parents, Progressive was one of the only places in NJ that would provide me with good coverage without pay hundreds of dollars a month. Since I've been with them, they have worked with me to be able to lower my rate and really find me affordable coverage with great protection. That doesn't happen often apparently in NJ. Thanks for your help!

Helpful?