Progressive Car and Home Insurance Review
$2,032
$2,648
- Offers many auto and home discounts
- Can save $793, on average, if you bundle your home and car policies
- Snapshot program helps good drivers save up to $231 a year
- Cheap rates for drivers with a DUI
- Good online experience
- Available in all 50 states
- Expensive rates for most drivers and homeowners
- Not many add-on coverages for home
- Poor customer service
Is Progressive a good company?
Although Progressive’s auto and home insurance rates are higher than most other companies, it has a lot of discounts that can help bring the cost down. Progressive also offers many optional car insurance coverages that make it more appealing.
Progressive’s app and website are easy to use and helpful, but its customer service and complaint ratings could be better.
Progressive car insurance cost
Progressive car insurance policies cost, on average, $2,032 per year for full coverage. That puts Progressive rates close to the nationwide average rate of $1,976.
| Company | Full coverage |
|---|---|
| Progressive | $2,032 |
 USAA | $1,203 |
 Erie | $1,270 |
 State Farm | $1,487 |
 Country Financial | $1,600 |
 Travelers | $1,919 |
 American Family | $1,920 |
 Farm Bureau | $1,931 |
 Geico | $1,937 |
 Nationwide | $2,226 |
 Amica | $2,548 |
 Allstate | $2,609 |
 Farmers | $3,091 |
 AAA | $3,835 |
Progressive car insurance rates for a bad driving record
If you’ve been at fault in an accident, or you have a traffic ticket on your record, Progressive’s rates are often higher than most companies.
However, if you have a driving under the influence (DUI) conviction, Progressive actually offers cheaper rates than average, at $2,547 per year.
| Clean record | Ticket | Accident | DUI | |
|---|---|---|---|---|
| Progressive | $2,032 | $2,606 | $3,026 | $2,547 |
| USAA | $1,203 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
Progressive car insurance rates for teens
If you’re a teen driver, Progressive is one of the more expensive car insurance companies. Progressive’s average rate for teens is $8,495 a year, far above the $5,300 industry average for insuring an 18-year-old driver.
| Company | Full coverage for a 30-year-old | Full coverage for an 18-year-old |
|---|---|---|
| Progressive | $2,032 | $8,495 |
| USAA | $1,203 | $2,847 |
| Erie | $1,270 | $3,086 |
| State Farm | $1,487 | $4,128 |
| Country Financial | $1,600 | $2,226 |
| Travelers | $1,919 | $5,758 |
| American Family | $1,920 | $5,413 |
| Farm Bureau | $1,931 | $4,451 |
| Geico | $1,937 | $5,048 |
| Nationwide | $2,226 | $7,743 |
| Amica | $2,548 | $9,052 |
| Allstate | $2,609 | $7,668 |
| Farmers | $3,091 | $9,354 |
| AAA | $3,835 | $9,111 |
Progressive car insurance quotes by state
Progressive has the cheapest full-coverage rates in New York and North Carolina among the largest car insurance companies. Progressive also has the cheapest minimum-coverage quotes in New York.
| State | Full coverage | Liability only |
|---|---|---|
| Alabama | $1,829 | $517 |
| Alaska | $1,975 | $1,041 |
| Arizona | $2,110 | $998 |
| Arkansas | $2,412 | $606 |
| California | $1,609 | $463 |
| Colorado | $2,020 | $776 |
| Connecticut | $3,756 | $1,360 |
| Delaware | $2,543 | $1,473 |
| Florida | $3,560 | $1,540 |
| Georgia | $2,383 | $838 |
| Hawaii | $2,004 | $905 |
| Idaho | NA | NA |
| Illinois | $2,246 | $765 |
| Indiana | $1,898 | $516 |
| Iowa | $1,955 | $405 |
| Kansas | $2,157 | $543 |
| Kentucky | $2,603 | $1,153 |
| Louisiana | $2,711 | $828 |
| Maine | $1,296 | $771 |
| Maryland | $2,312 | $1,235 |
| Massachusetts | $1,756 | $927 |
| Michigan | $3,040 | $1,206 |
| Minnesota | NA | NA |
| Mississippi | $1,675 | $460 |
| Missouri | $2,005 | $474 |
| Montana | $2,402 | $637 |
| Nebraska | $1,501 | $347 |
| Nevada | $2,259 | $978 |
| New Hampshire | $1,162 | $675 |
| New Jersey | $1,881 | $1,349 |
| New Mexico | $1,558 | $566 |
| New York | $1,124 | $627 |
| North Carolina | $727 | $377 |
| North Dakota | $1,701 | $400 |
| Ohio | $1,483 | $685 |
| Oklahoma | $1,774 | $343 |
| Oregon | $1,802 | $813 |
| Pennsylvania | $2,571 | $773 |
| Rhode Island | $2,658 | $1,186 |
| South Carolina | $2,205 | $750 |
| South Dakota | $2,351 | $371 |
| Tennessee | $1,554 | $418 |
| Texas | $2,674 | $1,010 |
| Utah | $1,553 | $816 |
| Vermont | $1,188 | $417 |
| Virginia | $1,790 | $1,031 |
| Washington | $1,869 | $849 |
| Washington, D.C. | $2,192 | $1,238 |
| West Virginia | $1,899 | $1,096 |
| Wisconsin | $1,796 | $428 |
| Wyoming | NA | NA |
No data available for Progressive in a few states
Minimum-coverage, also known as liability coverage, covers injuries for other drivers and their passengers if you caused an accident.
Full-coverage policies cover liability coverage, as well as protection for your car if it’s damaged.
Progressive car insurance discounts
Progressive offers great insurance discounts if you bundle your home and car policies, with savings up to $793.
If you’re also a good driver, you can take advantage of the Progressive Snapshot program. If you’re enrolled in the Snapshot program, your car insurance rate can go up or down based on your driving habits. Driving less and not using your phone while driving can lower your car insurance rate. The average savings for drivers enrolled in this program is $231.
Progressive also offers several other car insurance discounts:
- Multi-policy
- Continuous insurance
- Teen driver
- Good student (average savings of 10%)
- Distant student
- Homeowner
- Multi-car (average savings of 12%)
- Online quote (average savings of 7%)
- Sign online (average savings of 9%)
- Paperless
- Pay in full
- Automatic payment
Progressive car insurance coverage
Along with standard coverage, like liability and collision, Progressive offers some great optional coverage.
- Loan/lease payoff: If your leased or loaned car is totaled or stolen, Progressive may cover the cost difference between the amount you owe and the worth of the car, up to 25% of the value of the car before it was stolen or totaled.
- Rental car reimbursement: If you’re in an accident, Progressive may pay for your rental car, up to your limits.
- Roadside assistance: With this coverage, Progressive can help you get back on the road or have your car towed if your car stops running.
- Custom parts and equipment value (CPE) coverage: This coverage will cover custom parts and equipment that you added to the car, up to a limit. This includes stereos and custom wheels.
- Rideshare coverage: If you drive your car for a ridesharing company such as Uber or Lyft, Progressive can protect you while you’re on the app and waiting for a rider or delivery request.
How much does Progressive homeowners insurance cost?
Home insurance from Progressive costs $2,648 a year, on average. This is 5% cheaper than the national average rate of $2,801 a year.
Average annual rate by company
| Company | Annual rate |
|---|---|
| Erie | $2,055 |
| State Farm | $2,427 |
| USAA | $2,507 |
| Allstate | $2,560 |
| Chubb | $2,606 |
| Progressive | $2,648 |
| Country Mutual | $2,827 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farm Bureau | $3,639 |
| Farmers | $3,801 |
What you actually pay for home insurance depends on several factors, such as where you live, the age of your home and your insurance claims history. Each company treats these factors differently, which is why quotes can vary so much from company to company.
To get your best rate, compare home insurance quotes from a number of companies when you shop around or your policy is up for renewal.
Progressive home insurance rates by state
Progressive’s home insurance rates can vary widely depending on where you live.
In Louisiana, Progressive’s average rate is $1,865 a year. Compare that to Florida, where the company’s average rate is $3,786 a year.
Progressive rates by state
| State | Average annual rate |
|---|---|
| Louisiana | $1,865 |
| Georgia | $2,061 |
| Indiana | $2,880 |
| Florida | $3,786 |
Home insurance discounts from Progressive
Progressive has many discounts that can help you save money on your home insurance coverage. These include discounts for:
- Bundling home and auto policies
- Installing security systems
- Getting an advance quote
- Buying a newly constructed home
- Signing up for e-billing
- Paying in full
Progressive home insurance coverages
Progressive offers the usual standard home insurance coverages, including:
- Dwelling coverage: Protects the structure of your home, as well as attached structures.
- Other structures: Covers detached garages, patios, fences and driveways against covered risks and events.
- Personal property: Your clothes, furniture, electronics and other belongings are covered. Expensive items like jewelry and art may also be covered, though often at a lower limit.
- Liability: This helps protect you if you cause injuries or property damage to others.
- Medical payments: Covers the medical-related expenses of people injured in your home, no matter who is at fault.
- Loss of use: Pays for some extra expenses if you need to relocate while your home is being repaired. This includes meals, rent and commute cost increases.
Progressive also offers these optional coverages:
- Water back-up and sump discharge or overflow: If your sump backs up and damages your belongings, this add-on coverage pays to replace them. It also covers water removal.
- Personal injury: This coverage handles legal expenses tied to things like libel or slander, malicious prosecution and wrongful eviction.
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.
Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.
For full-coverage policies, coverage limits include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Home insurance policies include:
- Dwelling limit: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.