- Our take
- States where Progressive offers coverage
- What does Progressive car insurance cover?
- How does Progressive insurance rank?
- How much is Progressive car insurance?
- Progressive car insurance rates by state
- Progressive insurance rates for teens
- Progressive insurance rates for adults
- Progressive insurance rates for seniors
- Progressive insurance rates by driver profile
- Progressive insurance discounts
- Sources & Methodology
- What do people ask about Progressive insurance?
Our take
Progressive is the second-largest car insurance provider in the country, falling only behind State Farm for total premiums written. Working with an insurer of Progressive’s side comes with its own set of advantages. For one, it’s an option for drivers in all 50 states, and for another, it has the financial footing to invest in the latest online applications and ways to service customers.
However, working with a big insurer can have its downsides. Progressive scored about average for customer service in our ranking of the Best Car Insurance Companies for 2024, and its premiums are on the more expensive side.
The company offers numerous ways to score discounts for bundling, installing safety features, and professional affiliations and has a rock-solid credit rating.
Progressive was 8th overall in our ranking of the top 15 car insurance companies.
States where Progressive offers coverage
Progressive offers car insurance coverage in all 50 states, as well as Washington, D.C.
| State |
|---|
| 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 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Progressive car insurance cover?
Progressive offers a complete portfolio of car insurance coverages, as well as policies for your home and other needs.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Rental car reimbursement
- Rideshare coverage
- Roadside assistance
- Custom parts and equipment
- Accident forgiveness
- Loan/lease payoff
- Golf cart and classic car coverage
How does Progressive insurance rank?
Progressive ranked 8th overall in our annual survey of the top 15 car insurance providers. It scored about average for customer satisfaction and has a top credit rating, but its premiums are on the more expensive side compared to other providers.
Although the company did not rank in the top half of the 2024 J.D. Power auto claims customer satisfaction survey, it finished among the top choices overall in our ranking, largely due to it’s low complaint volume.
Here's a look at how it compared to a selection of competitors.
| Company | AM Best | J.D. Power Auto Claims Satisfaction | NAIC complaint ratio* | Average annual premium(out of 5) | Overall score |
|---|---|---|---|---|---|
| Progressive | A | 870 | 0.65 | 3.15 | 4.14 |
| State Farm | A++ | 891 | 0.7 | 3.23 | 4.27 |
| Geico | A++ | 871 | 0.91 | 3.99 | 4.20 |
| Nationwide | A | 875 | 0.64 | 4.76 | 4.33 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Progressive car insurance?
Progressive does offer a wide range of discounts and an innovative “Name Your Price” tool that helps drivers find coverage within their budget. However, in terms of basic rates, Progressive’s premiums are on the more expensive side. It’s a little more expensive than top competitors State Farm and Geico, and a fair bit more than the price leader, Erie Insurance.
However, Erie is only available to drivers in 12 states, whereas Progressive car insurance is available in all 50 states.
The average full coverage rate for a 40-year-old driver with Progressive is $1,998 per year or $166 per month. That's higher than Nationwide at only $1,548 a year, but still lower than $2,509 per year at Allstate.
Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Progressive | $1,998 | $163 |
| State Farm | $1,984 | $165 |
| Geico | $1,763 | $147 |
| Nationwide | $1,548 | $129 |
Progressive car insurance rates by state
Insurance rates are based on several factors, such as age, gender, credit rating and the type of car you drive. One of the biggest factors, however, is where you live.
State car insurance rates vary, Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs.
Progressive offers the best rates to drivers in Vermont, New York, and Maine, while drivers in South Dakota, Louisiana, and Texas pay the most.
Find your state below to find out the average annual cost of a Progressive car insurance policy.
| State | State minimum | Liability 50/100/50 | Full coverage 100/300/100 liability, $500 deductibles |
|---|---|---|---|
| Alaska | $672 | $865 | $1,742 |
| Alabama | $450 | $718 | $2,402 |
| Arkansas | $375 | $718 | $2,431 |
| Arizona | $639 | $866 | $1,903 |
| California | $433 | $637 | $2,179 |
| Colorado | $404 | $675 | $2,796 |
| Connecticut | $881 | $940 | $1,708 |
| Washington, D.C. | $622 | $729 | $1,488 |
| Delaware | $974 | $1,188 | $1,999 |
| Florida | $1,383 | $2,045 | $2,902 |
| Georgia | $552 | $745 | $1,656 |
| Hawaii | $452 | $726 | $1,279 |
| Iowa | $174 | $249 | $1,589 |
| Illinois | $536 | $588 | $1,412 |
| Indiana | $398 | $455 | $1,480 |
| Kansas | $458 | $520 | $1,937 |
| Kentucky | $758 | $1,043 | $2,714 |
| Louisiana | $596 | $1,309 | $3,065 |
| Massachusetts | $789 | $888 | $2,016 |
| Maryland | $812 | $875 | $1,895 |
| Maine | $460 | $461 | $1,106 |
| Michigan | $789 | $829 | $2,069 |
| Missouri | $389 | $479 | $1,960 |
| Mississippi | $346 | $564 | $2,131 |
| Montana | $359 | $506 | $2,414 |
| North Carolina | $530 | $588 | $2,028 |
| North Dakota | $388 | $417 | $1,403 |
| Nebraska | $265 | $321 | $1,964 |
| New Hampshire | $417 | $434 | $1,343 |
| New Jersey | $952 | $993 | $2,187 |
| New Mexico | $357 | $530 | $1,557 |
| Nevada | $625 | $1,071 | $2,482 |
| New York | $428 | $467 | $1,020 |
| Ohio | $452 | $533 | $1,626 |
| Oklahoma | $254 | $372 | $1,194 |
| Oregon | $650 | $723 | $1,765 |
| Pennsylvania | $556 | $775 | $2,193 |
| Rhode Island | $777 | $955 | $1,841 |
| South Carolina | $560 | $748 | $1,816 |
| South Dakota | $335 | $372 | $3,163 |
| Tennessee | $605 | $663 | $1,550 |
| Texas | $665 | $977 | $3,032 |
| Utah | $575 | $745 | $1,845 |
| Virginia | $612 | $656 | $2,120 |
| Vermont | $344 | $373 | $926 |
| Washington | $595 | $947 | $2,554 |
| Wisconsin | $371 | $433 | $2,128 |
| West Virginia | $701 | $757 | $1,825 |
Progressive insurance rates for teens
As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Progressive, but rates come down substantially by the time you enter your 20s.
The average cost of a teen car insurance policy with Progressive is $7,174 a year.
Here’s what a teenage driver can expect to pay annually with Progressive compared to average rates for older drivers and with competitors.
| Company | Teenage drivers aged 16-19 | Young adults aged 20-24 | 40-year-old adult |
|---|---|---|---|
| Progressive | $7,174 | $3,242 | $1,998 |
| State Farm | $5,368 | $3,179 | $1,984 |
| Geico | $5,049 | $2,647 | $1,763 |
| Nationwide | $5,285 | $2,556 | $1,548 |
Progressive insurance rates for adults
Adults see rates decline steadily and generally pay some of their cheapest rates at around the age of 60-65. At Progressive, rates are lowest at age 60, when the average is $1,796 for a male driver and $1,783 for a female.
Here’s what adults can expect to pay yearly on average for full coverage car insurance with Progressive at various ages.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 25 | $2,381 | $2,358 |
| 30 | $2,166 | $2,198 |
| 35 | $2,081 | $2,133 |
| 40 | $1,976 | $2,020 |
| 45 | $1,965 | $2,007 |
| 50 | $1,835 | $1,868 |
| 55 | $1,801 | $1,786 |
| 60 | $1,796 | $1,783 |
| 65 | $1,848 | $1,825 |
Progressive insurance rates for seniors
Car insurance rates start to increase in your senior years. Statistics show that senior drivers are riskier, likely related to slower reflexes, weaker eyesight, or other factors.
For that reason, expect to see your rates begin to increase as you reach 65, although not nearly as much as teen drivers pay. At 65, a male driver will pay an average of $1,848 with Progressive, and a female will pay $1,825.
Here’s what senior drivers can expect to pay annually with Progressive at various ages.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 60 | $1,796 | $1,783 |
| 65 | $1,848 | $1,825 |
| 70 | $2,001 | $1,952 |
| 75 | $2,304 | $2,074 |
Progressive insurance rates by driver profile
Insurers are very good at crunching vast amounts of data to get accurate risk profiles of drivers. Your driving record and credit rating are top indicators of risk.
A poor credit rating is associated with a higher risk of filing claims.
Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Progressive. Poor credit causes the largest increase in rates.
| Clean record | At-fault accident | Speeding ticket | Poor credit rating |
|---|---|---|---|
| $1,998 | $3,116 | $2,650 | $3,372 |
Progressive insurance discounts
Most carriers offer a wide range of discounts which can help lower your premium rates and Progressive offers a bundle, including bundling policies.
Discounts start at around 5% up to as much as 40% and it is possible to qualify for multiple discounts.
Progressive car insurance discounts include the following:
- Multi-policy discount
- Multi-car discount
- Driver training/defensive training
- Good student/distant student discount
- Online quote
- Signing online
- Paperless
- Pay in full
- Automatic payment
- Snapshot usage monitor (but only if proven to be a safe driver)
Sources & Methodology
Methodology
Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.
Sources
Progressive. “Types of Auto Insurance Discounts” Accessed August 2024.
What do people ask about Progressive insurance?
If you’re considering Progressive car insurance or are currently a customer considering other options, you want to get to know the company. Here you’ll find answers to common questions about Progressive.
Why did my Progressive rate go up?
Car insurance rates go up for a lot of reasons. If your rate with Progressive has gone up and you don’t know of a reason why (like a ticket or a change in your household), call the company to ask. Rate increases are not always related to you as a driver; often they reflect larger changes in the overall risk a company takes on. Recently, car insurance rates have risen due to increased costs and risk, from higher repair costs to severe weather.
Why is Progressive so cheap?
Our rate analysis found Progressive to be middling in terms of rates, but for some people, Progressive may be considerably cheaper than other options. The difference can be due to location, driver profile, the car you drive and more.
Is Progressive a good insurance company?
In our survey, customers gave Progressive average marks for customer satisfaction, and J.D. Power rates it slightly below average for auto claims satisfaction.
It is available pretty much anywhere you may drive and has solid financial stability, making it a good pick for many drivers.
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