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Auto & Property Insurance Provider · Buyer's guide · progressive
Progressive
progressiveProgressive is the second-largest auto insurer in the U.S., offering personal and commercial vehicle insurance, homeowners, renters, boat, and business insurance with competitive pricing and flexible coverage options.
Section
Insurance Products
Auto Insurance
Homeowners Insurance
Renters Insurance
Condo Insurance
Commercial Auto
Business Liability
Boat Insurance
Motorcycle Insurance
RV Insurance
Classic Car Insurance
ATV/UTV Insurance
Life Insurance
Pet Insurance
Auto Insurance
Homeowners Insurance
Renters Insurance
Condo Insurance
Commercial Auto
#1 commercial insurer
Business Liability
Limited
Boat Insurance
Motorcycle Insurance
RV Insurance
Classic Car Insurance
ATV/UTV Insurance
Life Insurance
Pet Insurance
Partner
Section
Auto Coverage Options
Liability Coverage
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist
Roadside Assistance
Rental Reimbursement
Gap Insurance
Accident Forgiveness
Mechanical Breakdown Insurance
Rideshare Coverage
Custom Parts/Equipment Coverage
Liability Coverage
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist
Roadside Assistance
Rental Reimbursement
Gap Insurance
Accident Forgiveness
After 9 years
Optional add-on
Mechanical Breakdown Insurance
Rideshare Coverage
Custom Parts/Equipment Coverage
Section
Pricing & Market Position
U.S. Market Share (Auto)
Average Monthly Premium (Full Coverage)
Average Monthly Premium (Liability Only)
Best Pricing For
Financial Strength (AM Best)
U.S. Market Share (Auto)
17% - 2nd largest
19% - Largest
12% - 3rd largest
Average Monthly Premium (Full Coverage)
$167
$184
$139
Average Monthly Premium (Liability Only)
$55
$56
$65
Best Pricing For
Flexible, comparing shoppers
Drivers with violations
Clean-record drivers
Financial Strength (AM Best)
A+ (Superior)
A++ (Superior)
A++ (Superior)
Section
Discounts & Savings
Bundle/Multi-Policy Discount
Multi-Car Discount
Good Driver Discount
Good Student Discount
Usage-Based (Telematics) Program
Max Telematics Discount
Continuous Insurance Discount
Pay-in-Full Discount
Homeowner Discount
Military/Federal Employee Discount
Bundle/Multi-Policy Discount
~5% on auto
Multi-Car Discount
Good Driver Discount
Good Student Discount
Usage-Based (Telematics) Program
Snapshot
Drive Safe & Save
DriveEasy
Max Telematics Discount
Up to 30%
Up to 30%
Up to 25%
Continuous Insurance Discount
Pay-in-Full Discount
Homeowner Discount
Military/Federal Employee Discount
Up to 15%
Section
Customer Experience
Quote & Purchase Channels
Mobile App Rating (iOS)
24/7 Customer Support
J.D. Power Claims Satisfaction (2025)
NAIC Complaint Index (vs. expected)
Local Agent Network
Claim Filing Methods
Name Your Price Tool
Quote & Purchase Channels
Online, phone, agents
19,000+ local agents
Online, phone primarily
Mobile App Rating (iOS)
4.8 stars
4.8 stars
4.8 stars
24/7 Customer Support
J.D. Power Claims Satisfaction (2025)
Below average
7th of 22 - Good
Below average
NAIC Complaint Index (vs. expected)
Average
16% fewer complaints
21% fewer complaints
Local Agent Network
Some agents
19,000+ offices
Mostly direct
Claim Filing Methods
App, web, phone, agent
App, web, phone, agent
App, web, phone
Name Your Price Tool
Signature feature
Section
Digital & Innovation
Online Quote & Purchase
Mobile App Policy Management
Digital ID Cards
Photo Claim Estimates (Upload)
Chatbot Support
Voice Assistant Integration
Compare Rates Tool
Online Quote & Purchase
Mobile App Policy Management
Digital ID Cards
Photo Claim Estimates (Upload)
Chatbot Support
Flo Chatbot
Voice Assistant Integration
Google Home, Alexa
Compare Rates Tool
Best fit by objective
Pick the right option for the job
Shoppers who want flexible pricing and customization control
Progressive
Name Your Price tool and Deductible Savings Bank let customers adjust coverage to hit specific budget targets, plus gap insurance and mechanical breakdown options State Farm doesn't offer
Drivers with accidents, tickets, or DUIs seeking affordable coverage
State Farm
Consistently cheaper rates after violations, and Drive Safe & Save program won't raise rates for bad driving (unlike GEICO), plus Steer Clear discount for young drivers
Clean-record drivers prioritizing the lowest upfront premium
GEICO
Averages $139/month full coverage vs. Progressive's $167 and State Farm's $184 for clean-record drivers, plus more discount opportunities than competitors
Businesses needing commercial auto and liability coverage
Progressive
Ranked #1 commercial auto insurer in America with 50+ years experience, 30+ coverage types, and specialized expertise in trucks, trailers, and fleet vehicles
Customers who value in-person service and local agent relationships
State Farm
19,000+ local agent offices nationwide provide personalized service, face-to-face support, and higher J.D. Power satisfaction scores than competitors
Military members, veterans, and federal employees
GEICO
Offers up to 15% military discount and emergency deployment discounts up to 25% that State Farm and Progressive don't provide
Why customers pick Progressive
- Second-largest auto insurer in U.S. with 17% market share and A+ AM Best rating
- #1 commercial auto insurer with specialized expertise in business vehicles and liability
- Name Your Price tool and Snapshot telematics give customers unusual pricing control
- Offers gap insurance and mechanical breakdown coverage competitors don't
- Strong digital-first experience: Flo Chatbot, photo claims, voice assistant integration
When to consider alternatives
- J.D. Power claims satisfaction scores below average compared to State Farm
- No accident forgiveness program (State Farm offers after 9 years, GEICO as add-on)
- Average monthly premiums higher than GEICO for clean-record drivers
- Smaller local agent network than State Farm's 19,000+ offices
- No military or federal employee discounts that GEICO provides