Progressive Car Insurance Review 2023

Our specialists reply readers’ insurance coverage questions and write unbiased product evaluations (this is how we assess insurance coverage merchandise). In some instances, we obtain a fee from our companions; nonetheless, our opinions are our personal.

Based in 1937, Progressive is a automobile insurance coverage firm identified for the TV character “Flo” and its Insurance coverage Superstore commercials. However fame apart, Progressive affords varied insurance coverage merchandise, together with auto, house, pet, and different merchandise that may be simply bundled.

Progressive is usually regarded as a web-based insurance coverage firm. It’s because quotes are nonetheless simply accessible on-line. Nevertheless, insurance policies may also be quoted by unbiased insurance coverage brokers who obtain common coaching updates from Progressive.

In the event you’re bundling a number of insurance coverage insurance policies with Progressive, working with an expert might simplify the method permitting you to check quotes extra effectively and make sure you get all relevant reductions. As well as, Progressive prospects can purchase auto and residential insurance coverage in all 50 states.

Kinds of Automobile Insurance coverage Plans from Progressive

Progressive Auto Insurance coverage affords the next auto insurance coverage coverages:

• Legal responsibility Protection – This consists of bodily damage legal responsibility, which pays for an additional’s medical payments if you happen to’re liable, and property harm legal responsibility, which pays for an additional’s car or property. It is the state-required portion of most auto insurance coverage insurance policies. Growing your legal responsibility limits to guard your self from prices related to extra extreme accidents could also be cheaper than you suppose.
• Complete – It covers the car in occasions not coated by collision protection, equivalent to fireplace, theft, vandalism, hitting an animal, glass breakage, or acts of nature.
• Collision – It covers the restore or alternative of a broken car if it collides with one other object, equivalent to a car, tree, guardrail, or fence.
• Uninsured/underinsured motorist – It fills in protection gaps if you happen to’re hit by an uninsured driver or any person with minimal legal responsibility protection beneath your accident-related prices. It could possibly additionally come in useful if a drunk driver hits you. Your limits will mirror your chosen legal responsibility limits, and premiums for this extra protection are additionally small. So it pays in additional methods than one to lift your legal responsibility limits.
• Medical funds or PIP (Private Harm Safety) insurance coverage – It helps pay for medical and funeral bills for your self and your passengers, no matter fault. It could possibly come in useful for ambulance bills and different short-term prices.

Legal responsibility auto insurance coverage is required in 49 states, whereas Collision and Complete coverages are needed when you’ve got a mortgage in your car. New Hampshire might not require auto insurance coverage, but it surely does require proof of “monetary accountability.” One possibility for New Hampshire residents is auto insurance coverage. Underinsured/uninsured and medical funds or PIP protection can also be required relying on the state.

Further Protection Choices (Riders)

In addition to the usual auto insurance coverage insurance policies Progressive affords, a number of add-ons needs to be thought-about together with:

• Mortgage/lease payoff – In the event you finance or lease a automobile, this protection can shut the hole between what you owe on the car and its price.
• Rental automobile reimbursement – In case your automobile is in an accident, this covers the price of a rental automobile whereas your car is within the store
• Customized components and gear worth – It could possibly cowl issues equivalent to a stereo, customized wheels, navigation system, or a customized paint job, sometimes as much as a $5,000 restrict. In the event you’ve upgraded your wheels, added a spoiler, or the rest out of the peculiar, and so forth., customized components protection may guarantee you may exchange your automobile to its state earlier than the accident.
• Rideshare protection – In the event you drive for a rideshare firm, this covers you once you’re logged into the app and ready for a visit/buyer. Sadly, your common auto insurance coverage protection stops when you activate the app. Rideshare app protection does not begin till you will have a scheduled journey. You’d see an identical lapse in protection if you happen to’re working in meals or grocery supply.
• Roadside help – It pays for towing service on the highway or at house and assists if you happen to lock your self out, run out of gasoline, or want a flat tire change.
• Deductible financial savings financial institution – Including this protection subtracts $50 out of your collision and complete deductible for each claim-free coverage interval (six months). Some auto insurance coverage corporations provide related merchandise, however the deductible financial savings financial institution is particular to Progressive.

How A lot Does Progressive Automobile Insurance coverage Price?

Many components play into how a lot auto insurance coverage premiums value, together with age, location, driving file, kind of auto, car utilization, credit score rating, the way you pay, any lapses in protection or current modifications, any rushing/visitors tickets or accidents, and marital standing.

Progressive affords information on what customers can count on to pay relying on the state:

Low-cost states embody California, Idaho, Illinois, Indiana, Iowa, Maine, Montana, North Carolina, North Dakota, New Mexico, Ohio, Oklahoma, Tennessee, South Dakota, Vermont, Wisconsin, and Wyoming. The typical value of automobile insurance coverage on a six-month liability-only coverage in these states is $78/month.

Medium-cost states embody Alabama, Arizona, Arkansas, Colorado, Kansas, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, Oregon, Pennsylvania, Virginia, Washington, Texas, and Utah. The typical value of a six-month liability-only coverage is $100/month.

Excessive-cost states embody Connecticut, Delaware, the District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, Rhode Island, South Carolina, and West Virginia. The typical value of a six-month liability-only coverage in these states is just $146/month.

Tips on how to File a Declare

Progressive Auto Insurance coverage makes it straightforward to file an auto insurance coverage declare. You possibly can log into your coverage to make a declare on-line, name its claims quantity at 1-800-776-4737, or use the Progressive app.

Progressive has lengthy been a web-based firm however sells insurance policies by way of dealer brokers. In the event you bought by way of a neighborhood insurance coverage agent, you would additionally contact them that can assist you with claims.

Progressive Automobile Insurance coverage FAQs

Methodology: How We Reviewed Progressive Automobile Insurance coverage

We consider auto insurance coverage corporations based mostly on a mix of necessary components. For instance, customer support scores, accessibility, worth, user-friendliness, and different components all play a task within the total efficiency of an auto insurance coverage firm. You possibly can learn extra about our insurance coverage ranking methodology to see how we assign scores.

Our ranking is just one facet of a assessment. We break down the professionals and cons to assist shoppers make knowledgeable choices. No matter your auto insurance coverage wants, we suggest getting three quotes to check corporations and discover your best possibility.

Evaluate Progressive Automobile Insurance coverage vs. AAA

Progressive and AAA Auto Insurance coverage are ranked in JD Energy’s Auto Insurance coverage Examine. Progressive ranks decrease than AAA in some areas, however AAA is just not obtainable in all states, whereas Progressive affords auto insurance coverage in all 50 states and Washington, DC. As well as, AAA might require a membership, whereas Progressive doesn’t.

Whereas each corporations provide free quotes on-line, AAA additionally gives AAA Triple Examine, which helps people decide if they’ve sufficient protection and all obtainable reductions. In the event you’re working quotes for your self on-line, we suggest letting AAA Triple Examine consider your plan. Then guarantee your Progressive coverages match to see which firm is extra reasonably priced.

Progressive’s licensing in all 50 states is especially useful for drivers trying to journey or transfer to a brand new state for college, work, or one thing else. Nevertheless, AAA’s roadside service and different membership perks might attraction extra to current AAA members.

Evaluate Progressive Automobile Insurance coverage vs. Nationwide

Progressive and Nationwide Auto Insurance coverage earned excessive rankings on JD Energy’s newest auto insurance coverage examine. Nonetheless, this time Progressive ranks larger than Nationwide. Neither firm requires membership to acquire auto insurance coverage, and each corporations provide related auto insurance coverage low cost applications.

An necessary distinction between Progressive Snapshot and Nationwide SmartRide shouldn’t be ignored. Nationwide SmartRide is completely designed for use as a reduction program. Progressive Snapshot, then again, evaluates your driving to set your charges. So your semi-annual premiums may additionally rise due to Snapshot information.

Progressive and Nationwide have lengthy operated as on-line insurance coverage suppliers. Nevertheless, you should purchase both model by way of an insurance coverage agent if you happen to want a extra private contact. One of the simplest ways to check these two related corporations is by working side-by-side quotes. Guarantee your legal responsibility limits and different coverages match to make sure you’re getting essentially the most aggressive pricing for the protection you need.

Evaluate Progressive Automobile Insurance coverage vs. Lemonade

Lemonade Auto Insurance coverage is an InsurTech firm providing auto insurance coverage 100% on-line. It gives auto, house, life, pet, and renters insurance coverage in lots of states. Nevertheless, prospects ought to examine the corporate’s web site to confirm their state is roofed.

Lemonade makes use of location-based know-how to set premiums, just like Progressive’s Snapshot program. As well as, the Lemonade app assigns reductions for driving much less or proudly owning an electrical or hybrid car. It could possibly additionally alert Emergency providers if you happen to’ve been in an accident and affords free roadside help.

Like Progressive, Lemonade affords reductions for bundling your auto insurance coverage with one other product. It touts costs as little as $30/month on its web site for legal responsibility protection, making Lemonade the cheaper possibility. Nevertheless, there could also be higher choices for much less tech-savvy consumers or these in search of steady premiums based mostly on conventional underwriting pointers (driving historical past, credit score rating, insurance coverage historical past, and so forth.). Progressive is the extra trusted possibility amongst many drivers, with its licensing in all 50 states and a community of dealer brokers working alongside its web site and cell app.

Like we have stated with the opposite comparable merchandise, match up the protection in your quotes if you happen to’re debating between Lemonade and Progressive. Make sure you’re getting essentially the most aggressive worth and never slicing protection to economize.