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Progressive car insurance review

4.5 / 5 editorial rating

By the Five Star Insurance Reviews editorial team · Updated October 13, 2026

Quick take

Best for: Shoppers who like online tools
Stands out: Name Your Price tool starts from your budget
Keep in mind: Rates can rise at renewal for some drivers

General overview based on published features. Coverage, discounts and availability vary by state; confirm details with Progressive. How we rate

At a glance

Sold through	Online, by phone, and through independent agents
Where available	All 50 states
AM Best rating	A+
Usage-based program	Snapshot: your rate may go up or down depending on how you drive

Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.

What it does well

Name Your Price tool starts from your budget
Usage-based discount program in many states

Watch out for

Rates can rise at renewal for some drivers

Who it may suit

Progressive tends to suit shoppers who like online tools.
Look at other carriers too if this worries you: rates can rise at renewal for some drivers.

Before you buy: check these

Financial strength: Look up the insurer’s financial strength rating from agencies such as AM Best. It shows how likely the company is to pay claims.
Complaint history: Search your state department of insurance and the NAIC consumer insurance search for complaints about the company.
Claims and service: Read recent customer surveys, such as J.D. Power studies, and independent reviews, and ask people who have filed claims.
Coverage details: Compare the same limits and deductibles on every quote, and ask which discounts are applied.

Questions to ask before you buy

Which coverages and limits are included, and which are optional add-ons?
What deductible applies to collision and comprehensive?
Which discounts am I getting, and which could I still qualify for?
How does the price change at renewal, and what could raise it?
How do I file and track a claim?

Compare Progressive and other quotes

Keep comparing

FAQs

Is Progressive a good fit for me?

Progressive tends to suit shoppers who like online tools. Your quote depends on your own profile, so compare at least three carriers before you decide.

Does Progressive have the cheapest rates?

No carrier is cheapest for everyone. Rates vary by driver, vehicle and location, so the only way to know is to compare quotes.

How do I get a Progressive quote?

You can request quotes from several carriers at once through our partner, or visit Progressive’s own website.

Where is Progressive available?

All 50 states. Availability can change, so confirm with the carrier.

How can I check Progressive’s financial strength and complaints?

Look up financial strength ratings from agencies such as AM Best, and search complaint history through your state department of insurance and the NAIC consumer insurance search. Do this before you buy.