Progressive Car Insurance Reviews
When it comes to car insurance, every driver wants the same thing: reliable coverage at a fair price with great support when things go wrong. Progressive is one of the most recognizable auto insurers in the United States — but what do real customers actually think about their policies? In this guide, we break down Progressive’s strengths, weaknesses, and whether it’s worth your hard‑earned money in 2026.
🚗 About Progressive Insurance
Progressive is one of the largest auto insurance companies in the U.S. with millions of drivers insured across all 50 states. Known for its memorable commercials and aggressive marketing, Progressive offers:
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Standard auto insurance
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Usage‑based pricing (Snapshot)
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Accident forgiveness
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Rideshare and non‑owner policies
They’ve also shown strong business growth recently — reporting a 25% increase in quarterly profit thanks to rising demand for personal auto coverage.
🏆 What Independent Reviews Say
Before diving into customer stories, here’s how experts grade Progressive overall:
📈 Industry Ratings
| Source | Rating |
|---|---|
| WalletHub | ⭐ 3.1 / 5 |
| NAIC Complaints | Higher than average |
| BBB | A+ accreditation |
📊 Key Pros & Cons
Pros:
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Competitive rates for certain drivers
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Online quote and buying process makes signing up easy
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Offers unique options like vanishing deductible and Snapshot usage‑based discounts
Cons:
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Mediocre collision claim process (C‑grade from experts)
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Rates can rise unexpectedly with Snapshot
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Customer complaints about service are common
📋 What Customers Really Say — The Good and Bad
Online review platforms show mixed to negative customer sentiment, with many drivers reporting frustrations:
❌ Common Complaints
Low Ratings on Trustpilot: Many users give Progressive an overall score well below average, citing poor support and frustrating claims experiences.
Reported issues include:
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Long hold times or unhelpful customer service
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Surprise rate increases without clear explanation
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Slow or denied claims settlements
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Billing errors and refund problems
One reviewer even mentioned unauthorized premium charges added linked to someone else’s policy.
👍 Some Positive Experiences
Not all feedback is negative. A small portion of customers report:
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Good prices, especially for drivers with a spotty record
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A smooth quote process online
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Snapshot discounts for safe drivers
In niche cases, a few Redditors have shared positive experiences — claiming fair handling of rodent damage or inexpensive policies compared to competitors.
📉 Why So Many Complaints?
There are a few patterns that emerge from customer reviews:
📌 Claims Handling Issues
Customers often report slow communication, repeated questions, or delayed payouts during claims.
💰 Unexpected Rate Hikes
Many drivers express frustration that premiums climb even when they have no accidents or tickets.
📞 Customer Service Frustration
Numerous reviews describe customer support reps as unhelpful or difficult to reach.
These experiences are echoed across multiple review sources and online forums.
🧠 Real Examples From Customers
Here’s what actual policyholders have shared in their own words:
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Communication breakdowns: Customers getting repetitive or intrusive questions during quotes instead of clear explanations.
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Claim denial complaints: Some say claims were unfairly denied or payouts were much lower than expected.
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Rate shock: Drivers reporting rate increases with minimal notice or explanation.
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Positive cases: A subset of users notes that Progressive’s rates beat competitors and claims were handled smoothly when contacting local repair shops.
🧾 Should You Choose Progressive?
The answer depends on your priorities:
✅ Consider Progressive if:
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You’re price‑sensitive and want online quoting tools.
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You have a less‑than‑perfect driving record and need flexible coverage.
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Snapshot discounts might work in your favor.
❌ Think twice if:
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You value high‑touch, responsive customer service.
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Claims experience is a top priority for you.
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You want predictable rate stability year after year.
🧠 Final Thoughts
Progressive has plenty of reasons it remains a household name — competitive pricing, usage‑based discounts, and wide availability. But customer reviews paint a mixed picture, especially around service and claims.
For many drivers, Progressive is a starting point — but it may not be the ultimate solution. Always compare quotes from multiple insurers, read the fine print, and consider speaking with an independent agent before making your final choice.
🚀 FAQs About Progressive Car Insurance
1. Is Progressive a good insurance company?
Progressive offers competitive prices and online tools, but customer satisfaction is mixed and claims service may vary.
2. Does Progressive have discounts?
Yes — including Snapshot usage‑based discounts and safe driver savings.
3. Are customer complaints high?
Progressive has more complaints than average according to some industry complaint measures.
4. Should I shop around?
Absolutely — getting multiple quotes helps ensure you get the best coverage and price for your needs.