How Does Progressive Car Insurance Compare?
In a Nutshell: Progressive is the most popular choice for high-risk drivers (DUI, accidents, tickets) while also offering competitive rates for good drivers. Average full coverage premium is about $1,750/year. Progressive's Snapshot usage-based program is one of the industry's best, offering up to 30% savings for safe drivers. They're also strong for rideshare coverage.
Progressive Average Rates
| Coverage Level | Progressive Premium | National Average | Comparison |
|---|---|---|---|
| Full coverage (good driver) | $1,750 | $2,050 | 15% below avg |
| Full coverage (after DUI) | $4,500 | $4,305 | Slightly above avg |
| Liability only | $620 | $690 | 10% below avg |
| High-risk (multiple violations) | $3,200 | $3,500 | 9% below avg |
Progressive is unique in that it's competitive for both good drivers and high-risk drivers — a rare combination in the insurance industry.
Progressive Snapshot Program
| Feature | Details |
|---|---|
| How it works | App or device monitors driving: hard braking, speed, time of day, mileage |
| Initial discount | Up to 30% just for enrolling |
| Renewal discount | Based on actual driving; safe drivers save 10–40% |
| Available states | 48 states (not available in CA, HI) |
| Privacy | Data is used only for rating; opt-out available |
| Best for | Safe drivers, low-mileage drivers, non-night drivers |
Snapshot is one of the most generous usage-based programs. Even the initial enrollment discount (up to 30%) makes it worth trying for most drivers.
Progressive Discounts
| Discount | Savings |
|---|---|
| Snapshot (usage-based) | 10–30% |
| Multi-policy (home/auto) | 10–25% |
| Multi-vehicle | 10–20% |
| Good student | 10–15% |
| Continuous insurance | 10–15% (no gaps in coverage) |
| Pay in full | 5–10% |
| Online quote | 3–5% |
| Bundled renters | 5–15% |
Progressive Customer Satisfaction
| Rating Source | Progressive Score | Industry Average | Notes |
|---|---|---|---|
| J.D. Power (Overall) | 827/1000 | 835/1000 | Below average |
| J.D. Power (Claims) | 850/1000 | 865/1000 | Average |
| NAIC Complaint Index | 1.05 | 1.00 (baseline) | Slightly more complaints |
| AM Best (Financial Strength) | A+ | A+ | Excellent |
Progressive's customer satisfaction scores are average to slightly below average. Their strength is pricing and the Snapshot program, not necessarily claims experience.
Progressive Pros and Cons
| Pros | Cons |
|---|---|
| Best for high-risk drivers | Below-average claims satisfaction |
| Snapshot is excellent | Website complexity |
| Strong rideshare coverage | Rate increases at renewal common |
| Available in all 50 states | Higher rates for some good drivers vs. Geico |
| Easy online quote system | Fewer local agents |
| Name Your Price tool | Add-ons can be confusing |
Progressive vs. Competitors
| Competitor | Progressive Advantage | Competitor Advantage |
|---|---|---|
| vs. Geico | Better for high-risk, Snapshot | Geico cheaper for clean records |
| vs. State Farm | Better rates for non-standard | State Farm better claims satisfaction |
| vs. Allstate | More competitive pricing | Allstate better bundle discounts |
| vs. Geico (high-risk) | Progressive accepts more risk | Geico may decline high-risk |
When to Choose Progressive
- You have a DUI, accident, or tickets on your record
- You want usage-based insurance (Snapshot is excellent)
- You drive for Uber, Lyft, or DoorDash
- You want to compare rates from one of the "big 3" insurers
- You like the Name Your Price tool
Key Takeaways
- Progressive averages $1,750/year — 15% below national average
- Best for high-risk drivers, rideshare drivers, and Snapshot users
- Snapshot offers up to 30% initial discount + 10–40% renewal savings
- NAIC Complaint Index: 1.05 (slightly above average)
- Claims satisfaction is below Geico and State Farm
- Strong in all 50 states with easy online quotes
- Name Your Price tool helps match coverage to budget
Last updated: July 2026
Disclaimer: This article provides general information about Progressive car insurance rates and reviews. Actual premiums vary based on individual factors. Always obtain personalized quotes for accurate pricing.