Progressive Insurance Review

Quick facts

Coverage types offered

What Progressive does well

• Name Your Price tool lets you start with a budget
• Best rates for drivers with accidents or violations
• Snapshot telematics can cut rates significantly
• Strong bundling discounts

Where Progressive falls short

• Rates for clean-record drivers often not the lowest
• Customer service ratings below industry average
• Snapshot program can raise rates if it tracks poor driving

Full review

Progressive pioneered several innovations that changed the auto insurance industry — the first to offer comparison quotes from competitors on their own site, the Name Your Price tool that lets you set a budget first, and Snapshot telematics that rewards demonstrated safe driving with discounts up to 30%. These innovations reflect a company that genuinely thinks differently about how to match customers with coverage.

For high-risk drivers — those with DUIs, multiple accidents, or poor driving records — Progressive is often the only major insurer willing to offer coverage at competitive rates. While other carriers penalize these drivers heavily or decline them, Progressive's pricing model absorbs the risk more effectively. If you have a spotty record, Progressive should absolutely be on your short list.

The trade-off is customer service. Progressive scores consistently below average in J.D. Power satisfaction surveys, particularly around claims handling. Their NAIC complaint index of 0.93 is actually near average — not bad — but the claims process can feel bureaucratic. For tech-comfortable drivers who want to manage everything digitally and appreciate the Snapshot discount opportunity, Progressive delivers real value.