Progressive is the third-largest auto insurer in the US, known for Flo, Snapshot usage-based insurance, and the Name Your Price tool. Founded in 1937, Progressive was an early innovator in auto insurance — one of the first to offer drive-in claims service and online rate comparisons. Today it insures 28+ million policies and is one of the most quoted insurers in the country. This review covers coverage, rates, Snapshot, claims, and who Progressive is best for in 2026.
Bottom line: Progressive is best for high-risk drivers who struggle to find affordable coverage elsewhere, and for safe drivers willing to use Snapshot to earn significant discounts. If you want the best claims experience or a dedicated local agent, other options may be better.
Progressive at a Glance
Feature
Details
AM Best rating
A+ (Superior)
J.D. Power auto claims satisfaction
Average (mid-tier)
Policies written
28+ million
Available in
All 50 states + DC
Primary coverage
Auto, motorcycle, RV, boat, commercial
Home/renters
Through partner companies
Life insurance
Through partner companies
Usage-based insurance
Snapshot
Mobile app
4.7/5 (iOS), 4.5/5 (Android)
Local agents
Yes (independent agents)
Auto Insurance Coverage Options
Coverage
Available
Notes
Liability (bodily injury + property)
✅
—
Collision
✅
—
Comprehensive
✅
—
Uninsured/underinsured motorist
✅
—
Medical payments / PIP
✅
Varies by state
Rental reimbursement
✅
—
Roadside assistance
✅
—
Custom parts/equipment
✅
Covers aftermarket modifications
Rideshare coverage
✅
—
Pet injury coverage
✅
Unique to Progressive
Accident forgiveness
✅
Small accident forgiveness included
Deductible savings bank
✅
Earn $50/year off deductible for no claims
Gap insurance
✅
—
New car replacement
❌
Not available
Unique features: Pet injury coverage (pays vet bills if your pet is hurt in a car accident) and the deductible savings bank (reduces your deductible $50/year for each claim-free year) are not widely available at other insurers.
Snapshot Usage-Based Insurance
Feature
Details
How it works
Monitors driving via mobile app (or OBD device)
What it tracks
Hard braking, speed, time of day, phone use, mileage
Monitoring period
~6 months
Potential savings
Up to 30%
Potential increase
Up to 10%
Opt-in/opt-out
Voluntary, but rate changes apply
Privacy
Data used for rating; not shared with third parties
Snapshot Savings by Driver Type
Driver Behavior
Typical Discount
Excellent (low mileage, smooth driving, no night trips)
20-30%
Good (mostly safe, moderate mileage)
10-15%
Average (some hard braking, regular commuter)
0-5%
Below average (hard braking, late-night driving)
0% (possible increase)
Name Your Price Tool
Feature
Details
How it works
Enter your budget → see matching coverage options
Does it guarantee lowest price?
No — adjusts coverage to fit budget
Useful for
Comparing coverage vs cost trade-offs
Caution
Lower budgets = less coverage and higher deductibles
Name Your Price is a helpful budgeting tool but not a discount. It shows you what you’d sacrifice to hit a lower premium.
Average Rate Comparison
Insurer
Full Coverage (annual)
Liability Only (annual)
Progressive
$1,550
$575
GEICO
$1,500
$550
State Farm
$1,650
$600
Allstate
$1,850
$700
USAA
$1,250
$450
Progressive’s rates are moderate — competitive but not always the cheapest for good drivers. Where Progressive shines is for drivers with imperfect records.
Rates for High-Risk Drivers
Insurer
Annual Rate (after DUI)
Annual Rate (after at-fault accident)
Progressive
$2,800
$2,200
GEICO
$3,400
$2,500
State Farm
$3,100
$2,400
Allstate
$3,600
$2,800
Progressive is frequently the most affordable option after major driving incidents.
Discounts Available
Discount
Typical Savings
Notes
Multi-policy
5-12%
Auto + home (partner)
Multi-vehicle
10-15%
2+ cars
Snapshot safe driver
Up to 30%
Based on driving data
Homeowner (even if not bundled)
5-10%
Just owning a home lowers rate
Paid in full
5-10%
Pay 6/12 months upfront
Continuous insurance
5-10%
No coverage gaps
Good student
5-10%
B average or better
Online quote
Varies
Small discount for quoting online
Paperless + autopay
2-5%
Enroll in both
Other Insurance Products
Product
Provider
Notes
Homeowners
Partner carriers
Not underwritten by Progressive
Renters
Progressive direct
✅
Condo
Progressive direct
✅
Life
Partner carriers
—
Motorcycle
Progressive direct
✅ — one of the largest motorcycle insurers
RV / travel trailer
Progressive direct
✅
Boat / watercraft
Progressive direct
✅ — largest boat insurer in US
Commercial auto
Progressive direct
✅ — major commercial carrier
Pet insurance
Progressive direct
✅
Umbrella
✅
—
Progressive is the largest boat insurer and one of the largest motorcycle and commercial auto insurers in the US.
WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy
