Progressive
- Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
- If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
- Rideshare coverage available.
- Below average rating for claims satisfaction from J.D. Power.
NerdWallet's take on Progressive auto insurance
Progressive earned 4.8 out of 5 stars for its intuitive web and app experiences and its diverse coverage options.
Best for: Drivers who want to customize their policy to fit their needs, like including coverage for veterinarian bills and purchasing additional accident forgiveness.
Not ideal for: Drivers who prioritize customer experience. Progressive scored below average on customer satisfaction surveys.
Where Progressive auto insurance stands out
Technology. Progressive allows you to easily customize your quote and start your policy entirely online. Drivers can also manage their policy and claims online or through the highly rated app.
Customization. Drivers have several add-on coverage options with Progressive, including income loss and coverage for major mechanical repairs.
Where Progressive auto insurance falls short
Customer satisfaction. Progressive scores lower than average on customer satisfaction surveys, though it has fewer auto insurance complaints to state regulators than expected for an insurer its size.
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How much does Progressive car insurance cost?
Progressive car insurance costs an average of $180 per month or $2,158 per year for a full coverage policy, according to our November 2025 analysis. The national average is $192 per month, or $2,300 per year.
For minimum coverage, Progressive car insurance costs an average of $54 per month or $650 per year, according to our November 2025 analysis. The national average is $52 per month, or $627 per year.
Progressive car insurance rates vs. other large insurers
Progressive’s car insurance rates are generally in the middle of the pack as compared to the rates of other large U.S. insurers. Find the average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit in the chart below.
» MORE: Compare car insurance rates
Progressive auto insurance rates by age
Age is a major factor in determining car insurance rates because it directly reflects driving experience and overall risk. Younger drivers usually face the highest premiums, but costs generally decrease and stabilize as drivers gain more experience behind the wheel. Per our analysis, Progressive consistently offers lower rates across all age groups compared to other insurers.
Here are Progressive’s average car insurance rates for drivers at different ages:
20-year-olds
Progressive: $3,863/year National: $4,684/year
The average cost of Progressive car insurance for 20-year-old drivers is $3,863 per year, or $322 per month. That's less expensive than the national average for this age group, which is $4,684 per year, or $390 per month.
Our analysis also found that Progressive's rates for 20-year-old drivers are cheaper than those of other large auto insurers.
40-year-olds
Progressive: $2,023/year National: $2,232/year
The average cost of Progressive car insurance for 40-year-old drivers is $2,023 per year, or $169 per month. The national average for this age group is $2,232 per year, or $186 per month.
Our analysis found that Progressive's rates for 40-year-old drivers are slightly cheaper when compared to other large auto insurers.
60-year-olds
Progressive: $1,727/year National: $1,988/year
The average cost of Progressive car insurance for 60-year-old drivers is $1,727 per year, or $144 per month. That's less than the national average for this age group, which is $1,988 per year, or $166 per month.
Progressive's rates for 60-year-old drivers are also cheaper than those of other large auto insurers, per our analysis.
- More Progressive auto rates by age
Age Progressive median rate National median rate 20 $3,863 $4,684 30 $2,258 $2,375 35 $2,158 $2,300 40 $2,023 $2,232 50 $1,823 $2,074 60 $1,727 $1,988 70 $1,804 $2,125
Progressive auto insurance rates by driver profile
Progressive tends to offer lower rates for drivers regardless of their driving history. This includes those with a speeding ticket or an at-fault accident. Specifically, drivers with a DUI could find much cheaper premiums with Progressive.
Below are Progressive’s average full coverage rates for 35-year old drivers with different driving profiles.
Poor credit
Progressive: $3,445/year National: $3,850/year
The average cost of Progressive car insurance for drivers with poor credit is $3,445 per year, or $287 per month. That's cheaper than the national average, which is $3,850 per year, or $321 per month.
Our analysis found that Progressive's rates for drivers with poor credit are also less expensive when compared to other large auto insurers.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
Progressive: $2,841/year National: $2,931/year
The average cost of Progressive car insurance for drivers with a speeding ticket is $2,841 per year, or $237 per month. The national average is $2,931 per year, or $244 per month.
While Progressive’s rates for drivers with a speeding ticket are generally cheaper than the national average, they are on par with the rates of other large auto insurers.
At-fault crash
Progressive: $3,216/year National: $3,405/year
The average cost of Progressive car insurance for a driver with an at-fault crash is $3,216 per year, or $268 per month. That's cheaper than the national average, which is $3,405 per year, or $284 per month.
Our analysis found that Progressive’s rates for drivers with an at-fault crash are also less expensive when compared to other large auto insurers.
DUI
Progressive: $2,884/year National: $4,265/year
The average cost of Progressive car insurance for a driver with a DUI is $2,884 per year, or $240 per month. The national average is significantly higher at $4,265 per year, or $355 per month.
Progressive's rates for drivers with a DUI are also much cheaper than those of other large auto insurers.
Progressive auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Having multiple policies through Progressive. Get a multi-policy discount when you have two or more policies, like home and auto.
Not going without insurance. Progressive offers a continuous insurance discount for those with uninterrupted coverage when they get their policy.
Insuring multiple cars. Save an average of 12%, according to Progressive, when you have more than one car on the same policy.
Using the telematics program. Get a discount when you sign up for Snapshot. You can get a lower rate ($322 yearly savings, on average, according to Progressive) when you renew your policy, if you’ve demonstrated safe driving habits. However, if you haven’t, your premium can go up. Progressive doesn’t publicize the average amount of increase for policies that go up.
Being a student. Students get at least a 5% discount if they have a B or better grade point average. Students who live 100 or more miles from home and don’t drive their car at school can get a Distant Student discount.
Adding a teen driver. Qualify for a teen driver discount by adding a driver who is 18 or younger to your policy.
Owning a home. Homeowners get a discount on their auto insurance policies even if their home isn’t insured with Progressive.
Progressive offers additional benefits to drivers who stay with the company for the long haul. For example, long-term customers can earn accident forgiveness and reduced deductibles. Customers who opt to manage their policy online also qualify for additional discounts.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Be aware, however, that this can leave you without enough coverage after an accident. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Progressive car insurance coverage
Progressive's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Progressive also offers some types of optional coverage, such as:
Loan/lease payoff. Usually called gap insurance, this add-on helps pay the difference between what you owe on your vehicle and its actual cash value. Drivers with new, financed cars should consider gap insurance to avoid owing money on a totaled car.
Rental car reimbursement. This pays for a rental car while your car is being repaired. Drivers who would be stranded without a covered rental car during repair times should consider this add-on.
Roadside assistance and trip interruption. Get help paying for services like towing, tire changes, lockout assistance and fuel delivery. If your trip is delayed due to a vehicle breakdown, adding trip interruption coverage can help pay for lodging and other expenses. Drivers who may need help changing a tire or would be stranded if their car broke down should consider this coverage.
Rideshare coverage. Your personal policy may not cover all periods when working for a rideshare company, like Uber or Lyft. This coverage fills in those gaps.
Medical payments coverage. MedPay covers medical bills for you and your passengers regardless of who is at fault for the accident. Consider this coverage if you don’t have personal injury protection coverage and you have frequent passengers.
Vehicle protection. This pays for minor dents and major car repairs, including the engine and transmission.
Pet injury coverage. Progressive will pay up to $1,000 for pets injured in an accident. This is already included in collision coverage. If you don’t have collision coverage and have pets that ride with you, consider adding pet injury coverage.
Custom parts and equipment. Stereo, navigation systems and other customizations are covered with this add-on. Those with expensive vehicle modifications should consider it.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can’t afford to pay to replace your vehicle if it were totaled, we recommend considering full coverage insurance.
Progressive’s Snapshot program
Progressive’s telematics program, Snapshot, uses a mobile app to track your driving behavior. Progressive uses this program to provide discounts to drivers with safe driving behavior and increase rates for drivers with risky driving habits. The app monitors factors like braking, acceleration, mileage and the time of day you drive.
Is Progressive a good insurance company?
Progressive is a strong choice for many drivers. It offers solid financial stability and generally lower rates than many competitors. However, it also scores lower in customer satisfaction surveys when compared to other major insurers. Overall, Progressive is best for drivers who want affordable coverage with a wide range of customizable options.
Complaints: Progressive had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Shopping: Progressive ranked 14th out of 18 companies in J.D. Power's 2025 U.S. Insurance Shopping Study. This study measures how shoppers feel about the buying process.
Claims satisfaction: Progressive ranked 18th out of 20 companies in J.D. Power's 2025 Auto Claims Satisfaction Study. This study measures how customers feel about the claims process.
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More information about Progressive car insurance
Customer service: Call 800-776-4737 or reach out via chat or secured message through the Progressive website or app.
Website: The website is easy to navigate and offers quick quotes and clear coverage explanations.
Mobile app: Drivers can view their insurance cards, pay their premiums, manage their policy and monitor their Snapshot tracking in the app. It’s available for Android and iOS.
Other Progressive insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I renew my Progressive insurance auto policy?
How do I renew my Progressive insurance auto policy?
Progressive will send you a renewal offer when it’s time to renew. Confirm your renewal by updating your policy information and making your premium payment before the due date.
How do I cancel Progressive auto insurance?
How do I cancel Progressive auto insurance?
Cancel your Progressive auto insurance policy by calling 866-416-2003.
Does Progressive auto insurance cover rental cars?
Does Progressive auto insurance cover rental cars?
Progressive auto insurance can cover rental cars if you choose the rental car add-on coverage.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
