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Progressive Review · Updated June 2026

Progressive Insurance Review 2026

$1,442/yr
Avg Annual Rate
A+
AM Best
856
J.D. Power
13.7%
Market Share

Progressive specializes in non-standard auto insurance and is the top choice for high-risk drivers, DUI recovery, and SR-22 filings. Their Snapshot telematics program rewards safe drivers with real discounts. Founded in 1937 and headquartered in Mayfield Village, OH, Progressive holds an AM Best financial strength rating of A+ and scored 856 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.

Progressive Pros and Cons

Pros
  • Best for high-risk drivers
  • Snapshot usage-based discount
  • Gap insurance available
  • Name Your Price tool
Cons
  • Higher rates for clean-record drivers
  • Below-average claims satisfaction
  • Snapshot can raise rates if you drive poorly

Bottom line: Progressive is best for High-risk drivers and those needing SR-22.

Progressive Rates by Driver Profile

Driver ProfileEstimated Annual Ratevs. National AverageAssessment
Clean record — 35, good credit$1,442$562 below avgAverage
One speeding ticket$1,802+25% surchargeStandard
At-fault accident$2,090+45% surchargeCompetitive post-accident
DUI conviction$2,566+78% surchargeSpecializes in DUI
Teen driver added$2,624+82% surchargeStandard teen surcharge

Progressive Coverage Options

Progressive offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is available from Progressive which covers the difference between your car's actual cash value and your loan balance after a total loss. Rideshare coverage for Uber and Lyft drivers is available from Progressive.

Is Progressive Right for You?

Progressive is an excellent choice for High-risk drivers and those needing SR-22. Our recommendation is to always compare Progressive's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.

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In-Depth Progressive Review: What Our Analysis Found

Progressive (3rd largest US auto insurer) has operated since 1937 and is headquartered in Mayfield Village, OH. After reviewing publicly available rate filings, J.D. Power satisfaction data, NAIC complaint ratios, and AM Best financial strength ratings, here is what you need to know before choosing or renewing with Progressive.

Who Should Choose Progressive — And Who Shouldn't

Progressive is best for: high-risk drivers, DUI, multiple accidents, SR-22 requirements.

Progressive may not be the best choice for: clean-record drivers who can get better rates at Geico or State Farm.

No single insurer is cheapest or best for every driver. Before renewing with Progressive or switching to Progressive, get quotes from at least 3 other insurers to verify you are getting a competitive rate for your specific driver profile.

Progressive Claims Experience

Progressive scores 862/1000 on J.D. Power's claims satisfaction study, below the industry average. Its claims process is primarily digital, which speeds simple claims but can frustrate policyholders with complex situations.

What Makes Progressive Unique

Progressive's Name Your Price Tool lets you enter a monthly budget and see what coverage that budget buys. It's a transparency tool no other major insurer offers. Progressive's Snapshot telematics program uses a plug-in device or mobile app — drivers who demonstrate safe behavior save an average of 10-15% after the initial monitoring period.

Available Discounts at Progressive

Progressive offers the following discounts (availability varies by state):

Not all discounts are automatically applied. When getting a quote from Progressive, explicitly ask which discounts you qualify for — this is especially important for telematics discounts, professional group discounts, and military discounts, which are sometimes available but not prominently advertised.

"Progressive is worth getting a quote from for virtually every driver profile. Even if it's not the cheapest, knowing what Progressive charges gives you a reliable benchmark to measure other insurers against. I include Progressive in every comparison I do."

— Marcus Holloway, Senior Insurance Analyst, Insurance Smart Guide

Frequently Asked Questions About Progressive

Is Progressive a good insurance company?
Progressive is best for high-risk drivers, DUI, multiple accidents, SR-22 requirements. It holds an AM Best financial strength rating of A+, indicating excellent ability to pay claims. On J.D. Power's 2026 auto insurance satisfaction study, Progressive scored 862/1000. Like all major insurers, the right fit depends entirely on your specific driver profile, location, and coverage needs.
Who owns Progressive?
Progressive is a publicly traded company (NYSE: PGR) known for industry innovation. It was the first major insurer to sell policies online (1997) and to introduce usage-based insurance (2004).
How do I file a claim with Progressive?
You can file a Progressive claim online through their website or mobile app, by calling their 24/7 claims hotline, or through your local agent if you have one. For auto claims, document the accident scene with photos, get the other driver's insurance information, and report the claim as soon as possible — ideally within 24 hours. Progressive scores 862/1000 on J.D. Power's claims satisfaction study, below the industry average. Its claims process is primarily digital, which speeds simple claims but can frustrate policyholders with complex situations.
What discounts does Progressive offer?
Progressive offers a range of discounts. The most commonly available include: Multi-vehicle (12%), Snapshot telematics (up to 30%), Continuous coverage (12%), Online quote (7%), Paperless billing (1%), Homeowner (10%), Multi-policy (5%). Discount availability and amounts vary by state. Always ask specifically about discounts when getting a quote — not all are applied automatically.

Data Sources for This Review

  1. J.D. Power 2026 U.S. Auto Insurance Study — overall satisfaction score of 862/1000
  2. AM Best Financial Strength Rating — A+ as of June 2026
  3. NAIC 2025 Market Share Report — 14.1% of US auto insurance market
  4. State Department of Insurance rate filings — average premium of $1,476/yr
  5. Insurance Smart Guide direct rate quote analysis — multiple driver profiles, multiple states