Progressive Car Insurance Review

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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In a nutshell...
  • Progressive car insurance is one of the largest insurance carriers in America
  • Progressive has over 30,000 local independent agents and brokers working for them
  • In addition to affordable rates, Progressive also offers a wide of variety of discounts

Progressive Car Insurance is over 70 years old and the 4th largest car insurance company in America with a 7.5 percent market share for 2009 according to the Insurance Information Institute

Progressive is one of the most respected brands in car insurance and offers not only around the clock customer service, online account management, a wealth of car insurance discounts and over 30,000 local independent agents and brokers but also has a unique daily presence in our lives with the company’s “Immediate Response Vehicles”.

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History of Progressive Insurance

The company has a rich history of providing superior customer service and holds claim to many titles for being the first company to introduce new services to the auto insurance industry including:

  • First Car Insurer to offer a drive-in claims office
  • First auto insurance provider to offer car insurance discounts for low-risk drivers
  • One of the first car insurance companies to offer price comparison on the internet

These cars are often seen by drivers every day reinforcing the local commitment Progressive has to a community and strengthens their brand appeal with every sighting.

Progressive has also really stepped up online advertising in recent years introducing the quirky Progressive Girl “Flo” who is quite memorable and one of the more popular car insurance commercials around.

What’s interesting about Progressive’s market share is they may have a 7.5 percent market share nationwide but they also average over a 10% market share in most markets.

Progressive Car Insurance Programs

Progressive has practically every type of car insurance a driver will need including:

  • Bodily Injury Liability
  • Property Damage Coverage
  • Comprehensive and Collision Coverage
  • Uninsured/Underinsured Motorist
  • GAP Insurance
  • Medical Payments
  • Custom Car Insurance
  • Rental Car Reimbursement Coverage
  • Roadside Assistance
  • Collector Car Insurance

They even include pet injury coverage at no cost should your little furry one be injured in a car accident.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Progressive Car Insurance Discounts

As you can imagine, Progressive offers many different car insurance discounts for young drivers, old drivers, good drivers and some high-risk drivers. Progressive policyholders can take advantage of auto insurance discounts such as:

  • Accident Forgiveness – (a little stricter than most)
  • E-Sign Discount – $50 savings on your first policy by signing your car insurance policy documents electronically
  • Homeowner’s discount – Very unique since this is not a multi-policy discount. If you re a homeowner you get a discount – as simple as that
  • Multi-Vehicle Discount – Insure more than one car and you save money
  • Pay in Full Discount – Pay your policy premiums in full and you get a discount

Progressive Car Insurance Disadvantages

For most high-risk drivers Progressive may not have the best car insurance rates as they tend to be more conservative in risk valuation than other car insurance companies.

High-risk drivers include those convicted of a DUI offense, have a poor driving record or even just bad credit.

However, car insurance companies like Progressive always change the way they rate drivers and your profile may better than you think.

Any driver can do no wrong contacting the Progressive Car Insurance Company for a quote as they consistently win industry awards, are financially strong and one of the top car insurance companies in America.

t’s important however to always shop around and compare car insurance companies regardless of how familiar a brand is.

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