How to Buy Progressive Auto Insurance
-
Gather the basics before you start a quote
Have each driver’s license number, your vehicle identification number (VIN), current mileage, and a payment card ready; those are the only items most states require to activate same-day coverage.
-
Get your personalized rate online (or via phone/app/agent)
Visit Progressive.com/auto, tap “Get a Quote,” answer a short set of “easy questions,” or call 1-855-347-3749 if you prefer a rep—prices are identical no matter the channel.
-
Customize coverages and compare competitors in one screen
After the initial price appears, adjust liability limits, add collision/comprehensive, and tick any discounts. Progressive’s “Compare Rates” tool lets you see how its offer stacks up against other insurers before you move on.
-
Lock in the policy with your first payment
Review the final premium breakdown, choose a payment plan, and submit at least the first month’s premium; coverage can begin immediately once payment clears.
-
Download ID cards and manage the policy 24/7
Your digital proof of insurance is available instantly in the Progressive mobile app and online dashboard, where you can file claims, add vehicles, or chat with support any time.
Tip: Independent reviews give Progressive high marks for its fast online process and robust self-service tools—handy context if your readers are comparison shopping.
Full review of Progressive Auto Insurance: High-Tech Savings, Solid Finances—With a Few Strings Attached
Americans are paying more than ever for car insurance. Parts inflation and severe-weather losses sent average premiums up roughly 17 percent in 2024, and most regulators project another mid-single-digit bump this year. In that climate, Progressive—the country’s No. 2 auto carrier—markets itself as a tech-driven bargain backed by A+ financial strength. Here’s what the latest data reveal.
Company Snapshot
- 2024 written premium: $57.1 billion
- U.S. auto market share: 14.1 percent (trailing only State Farm)
- AM Best financial rating: A+ “Superior” (reaffirmed Apr 2025)
- NAIC complaint index: 0.87 (better than the 1.00 benchmark)
- BBB status: Not accredited; higher-than-average service complaints
- J.D. Power Auto Claims Satisfaction 2024: 842/1,000 (industry mid-pack)
Coverage Menu
Mandatory Coverages (all insurers)
- Bodily Injury Liability
- Property Damage Liability
Popular Add-Ons (Progressive highlights in bold)
| Add-On | What It Does | Notable Limit |
|---|---|---|
| Collision & Comprehensive | Repairs or replaces your car after accidents, theft, weather | Deductible $0–$2,000 |
| Uninsured / Underinsured Motorist | Covers you when the other driver can’t | State-dependent |
| Loan-Lease Payoff (GAP) | Pays the difference between car value & loan balance | Up to 25 % of ACV |
| Roadside Assistance | Tow, tire change, lock-out, fuel | 24/7, no mileage cap |
| Trip Interruption | Hotel, meals, transport if stranded >100 mi from home | Up to $500 |
| Custom Parts & Equipment | After-market wheels, audio, wraps | Up to $5,000 (std. $1,000) |
| Rideshare Endorsement | Extends personal policy to Uber/Lyft/Turo | State-specific |
| Deductible Savings Bank® | Shaves $50 off deductible every 6 mos. claim-free | Max $500 |
Money-Saving Programs
| Program | How It Works | Typical Result |
|---|---|---|
| Snapshot® | App/OBD-II tracks driving for 6–12 mos. | Avg. save $231/yr; ~20% pay surcharge for risky habits |
| Name Your Price® | You pick a budget; algorithm adjusts limits & deductibles | Transparent but can nudge buyers into lean coverage |
| Compare Rates Tool | Shows rival quotes next to Progressive’s | Quick cross-shop without re-entering data |
| PerkShare® | Discounts on maintenance, rentals, retail | Modest side savings |
Pricing Snapshot
- Liability-only premium 2024: $80–$157/mo (≈ national average; on par with GEICO)
- High-risk drivers paid ~14% less than the market average (Bankrate study)
- Low-risk, low-mileage drivers often pay 2–3% more than GEICO—unless Snapshot discounts apply
- Filed rate increases: +9.1% in Florida for 2025; “mid-single-digit” hikes expected in most states
- Renewal shock: isolated reports of 50% jumps after an at-fault accident
Claims & Service
| Metric | Progressive | Market Norm |
|---|---|---|
| 24/7 claim filing | Yes (app, web, phone) | Common |
| Avg. claim closure | ≤30 days | 30–35 days |
| Repair network | 1,700+ Service Centers | Varies |
| Workmanship guarantee | Lifetime while you own vehicle | Limited or none at many carriers |
Note: A $43 million 2024 settlement alleged Progressive undervalued totaled vehicles—worth remembering if you drive a newer car that depreciates quickly.
Who Benefits Most
- Drivers with past tickets, accidents, or DUI seeking tolerable rates
- Mileage-conscious or tech-friendly motorists confident they’ll score well on Snapshot
- Frequent road-trippers, RV owners, and long-distance commuters who value trip-interruption perks
- Rideshare or delivery drivers wanting one policy for personal and gig use
Who Should Shop Around
- Customers who prize premium customer service (Erie, Amica, Auto-Owners score higher)
- Privacy hawks uncomfortable sharing driving data
- Low-risk, low-mileage drivers already seeing rock-bottom quotes from GEICO, State Farm, or regional mutuals
At-a-Glance Comparison
| Metric | Progressive | National Avg. | Best-in-Class |
|---|---|---|---|
| AM Best rating | A+ | A | A++ (USAA) |
| NAIC complaint index | 0.87 | 1.00 | 0.54 (USAA) |
| J.D. Power claims score | 842 | 850 | 909 (Amica) |
| Avg. UBI savings | $231/yr | $183/yr* | $256 (Nationwide) |
- 2024 LexisNexis Telematics Benchmark
Bottom Line
Progressive marries strong finances with a buffet of discounts and gadget-driven savings. It shines for high-risk drivers and anyone willing to let Snapshot grade their habits. Service quality is solid but not stellar, and premiums can climb sharply after a claim or statewide rate filing.
If you’re data-driven, comfortable with telematics, and eager to trim costs, put Progressive on your shortlist. If concierge-level service or absolute lowest rates are priorities, pull comparative quotes from regional carriers and emerging digital insurers before locking in. A 15-minute rate check—plus honest mileage input—could still save hundreds, just as Flo promises.