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Progressive Car Insurance Review

Scale and coverage breadth, mixed customer-satisfaction scores, and a telematics program whose upside and downside Progressive publishes openly.

By YesWeSure EditorialReviewed Editorial standardsReport an errorSources

Progressive at a glance

Financial strength
A+
Superior · AM Best, May 2026
Availability
50 states + DC
Direct + independent agent
Market position
#2
18.6% US direct premium · FY 2024
Telematics
Snapshot
Usage-based pricing · app or device

YesWeSure Bottom Line

Progressive's evidence points to scale and coverage breadth combined with mixed customer-satisfaction survey results and a telematics program whose upside and downside Progressive itself publishes clearly.

Strong at

Scale and coverage breadth

Progressive is one of the two largest U.S. private-passenger auto insurers by market share. Its coverage page names an above-average menu of add-ons including gap-equivalent Loan/Lease Payoff, Deductible Savings Bank, pet injury bundled with collision, and custom parts. AM Best affirmed A+ (Superior) on May 1, 2026.

Watch for

Customer-satisfaction survey standings and multi-subsidiary complaint framing

Trade-press reporting on the 2025 J.D. Power U.S. Auto Insurance Study places Progressive below State Farm, GEICO, and Allstate across regions. Progressive also writes personal auto through multiple separately rated subsidiaries, so a single national NAIC complaint number is a rough summary rather than a clean signal. The May 2026 AM Best affirmation remains the financial-strength anchor.

Worth comparing if

Feature-rich coverage or Snapshot-curious shoppers

Progressive tends to be worth a quote if you want a feature-rich coverage menu, are open to Snapshot with clear eyes about its stated trade-offs, or shop across both direct and independent-agent channels. Multi-policy bundling averages Progressive publishes are among the larger figures peer carriers publish for equivalent programs.

Quote-dependent

State rules, Snapshot geography, and entity mix

Your premium, whether Snapshot is available where you live (Progressive states it is not available in California, and the sign-up discount is not available in Hawaii or New York), exact discount amounts (Progressive publishes "average" figures but notes savings vary), and which Progressive underwriting entity writes your policy in your state.

Strengths & considerations

Strengths

  • Scale.One of the two largest U.S. auto insurers by market share, with either the top or second spot on the most recent measures.8
  • Coverage breadth.Named add-ons include gap-equivalent Loan/Lease Payoff (up to 25% of ACV), custom parts and equipment ($5,000 limit), Deductible Savings Bank ($50 per claim-free six-month period), pet injury automatically included when you add collision ($1,000 limit), rental car reimbursement, roadside assistance, and rideshare coverage in select states.4
  • Transparent Snapshot mechanics.Progressive publishes an average sign-up discount of $164, an average program-completion discount of $328, and openly discloses that "only about 2 out of 10 drivers actually get an increase." That publicly stated surcharge disclosure is unusually clear versus the rest of the market.2
  • Multi-policy bundling.Progressive publishes an "over $1,000 on average" figure for bundled home and auto, and a 12% average multi-car discount.3
  • Financial strength.AM Best affirmed A+ (Superior) with a stable outlook on May 1, 2026, and affirmed the "aa" (Superior) Long-Term ICR at Progressive's operating subsidiaries.1

Considerations

  • Customer-satisfaction survey standing.Trade press reporting on the 2025 J.D. Power U.S. Auto Insurance Study describes Progressive as consistently ranking below State Farm, GEICO, and Allstate across regions.11
  • Snapshot can raise your premium.Progressive itself states that about 2 of every 10 drivers who complete Snapshot receive a rate increase rather than a discount; that trade-off is state and behavior dependent.2
  • Snapshot geography.Not available in California, and the initial sign-up discount is not available in Hawaii or New York.2
  • Underwriting-entity complexity.Progressive writes personal auto through several distinct subsidiary companies (Progressive Casualty, Progressive Direct, Progressive Select, Progressive Paloverde, Progressive Southeastern, and others). NAIC complaint indices are reported by entity and by state.14
  • Financial-strength tier.A+ (Superior) is a strong rating in absolute terms, one tier below the A++ (Superior) rating AM Best assigns to a small handful of peer groups. Read the FSR alongside the other categories on this page rather than as a single ranking signal.1

Full fact sheet

Parent

The Progressive Corporation (NYSE: PGR); publicly-traded10

Availability

Personal auto sold nationwide across the United States, including the District of Columbia, per Progressive's Form 10-K for fiscal 202510

Distribution

Direct (web, mobile app, phone) plus a substantial independent-agent channel; Name Your Price quoting tool4

AM Best FSR

A+ (Superior), affirmed May 1, 2026; stable outlook1

AM Best Long-Term ICR

"aa" (Superior), affirmed May 1, 2026, at the operating subsidiary level1

Modeled full-coverage premium

~$2,075/yr per NerdWallet September 2026; ~$207/mo (about $1 below national avg) per ValuePenguin; modeled rates, not personalized quotes5

NAIC complaint framing

Multiple separately rated underwriting subsidiaries; single national index does not cleanly summarise every state; see Complaints14

Telematics program

Snapshot (smartphone app or plug-in device; not available in California; sign-up discount not offered in Hawaii or New York)2

Quote and claims channels

Web, mobile app (iOS/Android), phone, and independent agents

Coverage options

Progressive writes standard personal auto coverages plus carrier-specific products listed below. State availability and endorsement limits vary; confirm at quote time.

  • Bodily injury and property damage liability

    State minimums vary; higher limits generally available.4

    Offered

  • Uninsured / underinsured motorist

    Required or optional depending on state.4

    Offered

  • Medical payments (Med Pay)

    Optional in most states.4

    Offered

  • Personal injury protection (PIP)

    Offered in some states.4

    Offered

  • Comprehensive and collision

    Optional first-party coverages.4

    Offered

  • Loan/Lease Payoff (gap-equivalent)

    Up to 25% of the vehicle's actual cash value if totaled while you still owe on it.4

    Offered

  • Rental Car Reimbursement

    Up to policy limits during covered repairs.4

    Offered

  • Roadside Assistance

    Towing, lock-out, tire changes, fuel/fluid delivery.4

    Offered

  • Trip Interruption

    In states where available: $500 daily max with $100 lodging / $50 transportation / $50 food per day.4

    Offered

  • Custom Parts and Equipment (CPE)

    Reimbursement for covered custom modifications, subject to $5,000 limit.4

    Offered

  • Rideshare coverage

    Available as add-on for policyholders logged into rideshare or delivery apps, offered in select states.4

    Offered

  • Deductible Savings Bank

    $50 credit toward collision or comprehensive deductible for each violation- and claim-free six-month policy period.4

    Offered

  • Pet Injury Coverage

    Automatically included when you add collision; $1,000 limit for veterinary expenses if your pet is injured in a covered accident.4

    Offered

  • Vehicle Protection

    Covers major system repairs, minor dents/dings, and lost/stolen keys for vehicles under 7 years old also carrying liability + comprehensive + collision.4

    Offered

  • Renters insurance add-on

    Available in select states to bundle renters coverage into a single policy.4

    Offered

Discounts

  • Three-year safe driving discount

    Average of 33% less for drivers with no accidents in three years.3

    avg 33%

  • Five-year accident-free discount

    Amount not published.3

  • Five-year claim-free discount

    Amount not published.3

  • Snapshot

    Average sign-up discount $164 and average program-completion discount $328; not available in California, and the sign-up discount is not available from all agents.2

    avg $164 sign-up / $328 completion

  • Multi-policy (home + auto)

    Bundling auto with home saves over $1,000 on average.3

    over $1,000 on average

  • Multi-car

    12% average savings.3

    avg 12%

  • Online quote

    7% average savings; not available in California, Georgia, or New York.3

    avg 7%

  • Sign online

    10% average savings; varies by state; not available in California or Hawaii.3

    avg 10%

  • Paperless

    Discount amount varies by state; not available in California.3

  • Pay in full

    Discount amount varies; not available in California.3

  • Automatic payment

    Discount amount varies; cannot be combined with pay in full; not available in California.3

  • Continuous insurance

    Discount amount varies with prior continuously-insured tenure; not available in California.3

  • Teen driver, good student, and distant student discounts

    Good student starts at 5%; starting discount is lower in North Carolina, Texas, and Washington; not offered in California or Hawaii.3

    from 5%

  • Homeowner discount

    Amount varies; not available in all states or situations.3

  • Accident forgiveness (three tiers)

    Small Accident Forgiveness (first claim under $500 starting with first term), Large Accident Forgiveness (customers of 5+ years, accident- and violation-free up to five years), plus purchasable Progressive Accident Forgiveness (not available in all states).3

Snapshot (telematics)

Snapshot is Progressive's smartphone-based telematics program. The app tracks hard braking, hard acceleration, phone use while driving, total mileage, time of day driven Progressive itself states that "your rate may increase with high-risk driving" and that "only about 2 out of 10 drivers actually get an increase." Not available in California. The sign-up discount is not available in Hawaii or New York; Progressive excludes NC/HI/NY/MT from its Snapshot savings claims. Progressive explicitly advises drivers to "avoid driving between 12 a.m. and 4 a.m. on weekends." Phone use is only considered in some states and when you choose the mobile app rather than the device.2

  • Enrollment discount: Average sign-up discount of $164 per Progressive's own Snapshot page2
  • Max renewal discount: Average program-completion discount of $328; usually applies at the six-month policy renewal following enrolment2
  • Can it raise your rate? Yes. Risky driving at renewal can push the premium up, not just down. Read Progressive's Snapshot addendum for your state before enrolling.2
  • Not available (or no discount offered) in: CA2

For the full Progressive auto-discount matrix by category, see our deep dive on Progressive discounts. For the mechanics of Snapshot (participation and performance scoring, surcharge risk), see our deep dive on Progressive Snapshot.

Pricing

Every Progressive quote is personal. What follows are modeled premiums for defined driver profiles from reputable publisher analyses — not personalized quotes. Use them to calibrate what to expect, not to replace a real quote in your state.

NerdWallet (September 2026): NerdWallet September 2026 modeled full-coverage analysis; publisher methodology. Not a quote. Progressive modeled minimum-coverage premium ~$613/yr ($51/mo) in the same analysis.5

  • Full coverage (standard profile): $2,075 per year ($173/mo)

Publisher national benchmark: $2,344/yr · $195/mo

ValuePenguin (January 2026): ValuePenguin reports Progressive full-coverage average ~$207/mo, which publisher describes as approximately one dollar below the national average per its methodology. Modeled rate, not a quote.6

  • Full coverage (national average profile): $2,484 per year ($207/mo)

How to read these numbers. Different publishers model different profiles and may use different underlying data (Quadrant Information Services is the most common dataset). Your quote depends on your driving record, credit-based insurance score where allowed, vehicle, garaging ZIP, mileage, prior insurance history, age, household composition, telematics participation, and the coverages and deductibles you select.

Complaints and regulatory record

The National Association of Insurance Commissioners publishes a complaint index that normalizes complaint counts against a company's share of premium written. A value of 1.0 represents the baseline expected complaint volume for a company of that size; lower is generally better.

Progressive writes personal auto through several separately rated underwriting subsidiaries. NAIC complaint indices are reported per company per reporting year, and a given state may see very different indices from two different Progressive entities in the same year. A single national Progressive index papers over that complexity; use NAIC's Consumer Information Source to look up the specific Progressive entity that writes your policy in your state.14

To look up the current complaint index for the specific Progressive underwriting entity that writes policies in your state, use the NAIC Consumer Information Source or your state Department of Insurance. The entities most commonly rated for Progressive are:

  • Progressive Casualty Insurance Company
  • Progressive Direct Insurance Company
  • Progressive Select Insurance Company
  • Progressive Paloverde Insurance Company
  • Progressive Southeastern Insurance Company

Complaint index measures regulator-filed complaints, not overall service quality; treat it as one input among several. Index values vary by underwriting entity and by state and can shift year over year, so pull the current number for your state before signing.

Financial strength

AM Best affirmed Progressive at Financial Strength Rating A+ (Superior) and Long-Term Issuer Credit Rating aa (Superior) on May 1, 2026 with a stable outlook1. AM Best affirmed FSR A+ (Superior) and Long-Term ICR "aa" (Superior) of The Progressive Corporation and its members on May 1, 2026, stable outlook. The affirmation cited an increase in underwriting profit in 2025 driven by lower personal and commercial auto accident frequency, lower weather-related catastrophe losses, and favorable prior-accident-year development, with the group reporting $11.3B in net income in 2025 vs $8.5B in 2024. A+ (Superior) is one tier below A++.

What these ratings mean and do not mean. A high financial-strength rating indicates the insurer has the resources to pay claims under a wide range of adverse scenarios. It is not a guarantee of any specific claim outcome, service quality, or price competitiveness in your quote. Ratings can change; check the affirmation date.

Material news (last 24 months)

  • AM Best affirmed Progressive FSR A+ (Superior) and "aa" ICR with stable outlook (May 2026): $11.3B 2025 net income (vs $8.5B 2024); affirmation cited lower auto accident frequency and favorable prior-year development.1
  • S&P GMI estimates Progressive passed State Farm in private direct premiums written for the first time on TTM basis (May 2026): Trailing-twelve-month estimate ending March 31, 2026. On NAIC 2025 full-year data State Farm 18.64% / Progressive 18.60% remain essentially tied.9

YesWeSure Fit Check

Is Progressive a fit worth quoting?

Progressive tends to fit if you

  • You want a feature-rich Progressive coverage menu (gap-equivalent Loan/Lease Payoff, Deductible Savings Bank, custom parts, pet injury automatically bundled with collision, rideshare in select states).
  • You are open to Snapshot with clear eyes about the trade-off, and your state is not California (where Snapshot is not available).
  • You want a large multi-policy bundling discount and can bring home insurance to the same carrier (Progressive publishes an "over $1,000 on average" figure).
  • You shop through independent agents as well as direct channels; Progressive supports both.
  • You want the reassurance of an AM Best A+ (Superior) rating with a recent (May 2026) affirmation.

Look carefully if you

  • You rank J.D. Power customer-satisfaction results very high in your decision; trade press reporting on the 2025 study places Progressive below State Farm, GEICO, and Allstate across regions.
  • You are risk-averse about telematics rate impact; Progressive itself states that about 2 of every 10 Snapshot drivers get a rate increase.
  • You want the highest possible AM Best rating tier; A+ (Superior) is strong in absolute terms but one tier below the A++ some peer groups carry.
  • You are shopping in a state where Snapshot has limits and the Snapshot-based savings language would not apply the same way (Snapshot unavailable in California; sign-up discount unavailable in Hawaii or New York).

This is decision-support reasoning, not personalized advice. Your real decision depends on your quote in your state, current regulator data, and how much of your total budget an incident could disrupt.

Common questions

Is Progressive the biggest auto insurer in the U.S.?

Depending on which measure and which reporting window, Progressive is either the largest or a very close second. NAIC 2025 full-year direct premiums earned show State Farm at 18.64% and Progressive at 18.60%. On a trailing-twelve-month basis ending March 31, 2026, S&P Global Market Intelligence estimated Progressive's private direct premiums written passed State Farm for the first time. Neither party has a dominant lead.

Is Snapshot worth it?

Snapshot publishes an average sign-up discount of $164 and an average discount at program completion of $328. Progressive also states that "only about 2 out of 10 drivers actually get an increase" when they complete Snapshot. Whether the trade-off is worth it depends on how you drive: hard braking, fast acceleration, high mileage, and driving between 12 a.m. and 4 a.m. on weekends are the behaviors Progressive specifically names as risk factors.

Is Progressive available in every state?

Progressive sells personal auto nationwide across the United States, including the District of Columbia, as reflected in its Form 10-K for fiscal 2025. Snapshot specifically is not available in California, and its sign-up discount is not offered in Hawaii or New York.

Does Progressive offer gap insurance?

Progressive offers a Loan/Lease Payoff coverage that pays the difference between what you owe on your vehicle and the insurer's valuation, up to 25% of the vehicle's actual cash value. That is functionally the industry "gap" coverage, though Progressive names it Loan/Lease Payoff.

How does Progressive's Deductible Savings Bank work?

For each violation- and claim-free six-month policy period, the Deductible Savings Bank credits $50 toward your collision and comprehensive deductibles. The credits accumulate across periods.

How should I read Progressive's NAIC complaint numbers?

Progressive writes personal auto through several separately rated subsidiaries, and NAIC complaint indices are reported per company per year. A single national "Progressive" index papers over meaningful variation between subsidiaries and between states. The most honest read is to look up the specific Progressive entity that would write in your state via NAIC's Consumer Information Source directly.

Head-to-head comparisons

See how Progressive compares against the carriers it is most often weighed against on rate, telematics, and claims-service evidence.

Every carrier Progressive is compared against has its own standalone review on YesWeSure. Each applies the same evidence structure you see here.

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How we make money. If you request a quote through a partner link on this page we may be compensated by the carrier or an aggregator. Our editorial judgment, ratings and the facts on this page are determined independently of any commercial relationship. See How we make money and Editorial standards.

Methodology: How YesWeSure reviews insurance providers. Last reviewed September 28, 2026.

Sources & methodology

  1. AM Best via Business Wire: AM Best Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries (May 1, 2026 affirmation); FSR A+ (Superior); outlook stable (AM Best via Business Wire)
  2. Progressive: Snapshot program page (behaviors tracked, published averages, state availability) (Progressive)
  3. Progressive: Auto insurance discounts page (Progressive)
  4. Progressive: Auto insurance coverages page (Progressive)
  5. NerdWallet: Progressive Car Insurance Review (September 2026 modeled rates) (NerdWallet)
  6. ValuePenguin: Progressive Insurance Review (modeled full-coverage rate) (ValuePenguin)
  7. Insurance Information Institute: Facts + Statistics: Auto Insurance (NAIC private-passenger market share, most recent year) (Insurance Information Institute)
  8. Agency Checklists: NAIC 2025 Market Share, Top 25 Private Passenger Auto Insurers (secondary reporting of NAIC 2025 direct-premiums-earned data) (Agency Checklists)
  9. S&P Global Market Intelligence: Progressive now No. 1 US private auto insurer for full 12 months, estimates show (May 2026, trailing 12 months ending March 31 2026) (S&P Global Market Intelligence)
  10. The Progressive Corporation: Form 10-K, fiscal year 2025 (SEC EDGAR) (U.S. Securities and Exchange Commission)
  11. Carrier Management: Why Progressive's Customer Scores Lag State Farm, GEICO (secondary reporting on 2025 J.D. Power U.S. Auto Insurance Study) (Carrier Management)
  12. J.D. Power: 2025 U.S. Auto Claims Satisfaction Study (press release) (J.D. Power)
  13. J.D. Power: 2025 U.S. Insurance Digital Experience Study (press release) (J.D. Power)
  14. National Association of Insurance Commissioners: Consumer Information Source (complaint index lookup by insurer) (NAIC)

Every material claim on this page traces to a source listed above. Modeled rate figures are premiums produced from Quadrant Information Services or publisher proprietary data for defined driver profiles; they are not personalized quotes. Last reviewed .

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