Progressive Insurance Review: Pros, Cons, and Coverage in 2025
If you've turned on a TV in the last decade, you know Flo from Progressive. But a catchy marketing campaign doesn't always mean an insurance company is the right fit for you. You're likely here because you're searching for "Progressive Insurance" and want to know if they are actually a good choice.
This deep-dive review will cut through the marketing to give you the real story. We'll analyze Progressive's pros, cons, and unique coverage options—including their famous "Name Your Price" tool and the Snapshot program—to help you decide if they're the best carrier for your auto, home, or bundle needs in 2025.
Who is Progressive Best For?
In a hurry? Here's the short answer.
Progressive is often a great choice for high-risk drivers (e.g., drivers with a-fault accidents, tickets, or a DUI) as they tend to offer more competitive rates in this category than many rivals. They are also ideal for the tech-savvy consumer who wants to manage their policy, get quotes, and even file claims entirely through a top-tier mobile app.
However, if your top priority is white-glove, personalized customer service, you might find their service to be more average than premium.
Progressive Coverage Options: What Can You Insure?
While most famous for auto insurance, Progressive has expanded to become a one-stop-shop for nearly all insurance needs.
Auto Insurance
This is Progressive's flagship product. They offer all the standard coverage you'd expect:
Liability (Bodily Injury & Property Damage)
Collision (Covers your car in an accident you cause)
Comprehensive (Covers theft, fire, hail, and other non-collision events)
Uninsured/Underinsured Motorist
Medical Payments (MedPay) & Personal Injury Protection (PIP)
Where Progressive stands out is with its add-ons:
Snapshot Program: A telematics (usage-based) program that tracks your driving habits via a mobile app or plug-in device. Good drivers can save money, but be warned: unsafe driving can increase your premium.
Rideshare Coverage: Essential if you drive for Uber or Lyft, this fills the gap between your personal policy and the company's coverage.
Loan/Lease Payoff: Often called "gap insurance," this covers the difference between your car's value and what you still owe on your loan if it's totaled.
Custom Parts & Equipment (CPE) Value: If you've added custom wheels, a new stereo, or a paint job, this covers those upgrades.
Home, Condo, & Renters Insurance
Progressive also offers robust property insurance, making it easy to bundle.
Homeowners Insurance (HO3/HO5): Covers your dwelling, personal property, liability, and loss of use.
Renters Insurance (HO4): A must-have for tenants, this covers your personal belongings (like furniture, electronics) and provides liability protection if someone is injured in your apartment. It's a key product for users searching "renters insurance."
The biggest advantage here is the multi-policy (bundle) discount, which is often one of the largest discounts you can get.
Key Features & Tools That Define Progressive
Two things make Progressive stand out from competitors like Allstate or State Farm.
The "Name Your Price" Tool: This is a clever marketing and quoting tool. Instead of them telling you a price, you tell them what you want to pay. The tool then shows you a few coverage packages that fit (or come close to) your budget. It's a great starting point, but always be sure to check that the coverage shown is actually adequate for your needs.
The Snapshot Program: This is a big one. By monitoring your driving, Progressive can offer a highly personalized rate. If you're a safe, low-mileage driver who avoids late-night trips, you could see significant savings. If you frequently brake hard, accelerate quickly, or drive at risky hours, this program is not for you and could raise your rates at renewal.
Progressive Insurance: The Pros and Cons
No company is perfect. Here's a balanced look.
Pros 👍
Competitive for High-Risk Drivers: This is arguably their biggest strength. Where others may deny coverage, Progressive often provides an option.
Excellent Digital Tools: Their website and mobile app are fantastic. You can get quotes, pay bills, view ID cards, and even file claims with photo/video upload, all from your phone.
Wide Range of Products: The ability to bundle auto, home, renters, boat, RV, and even pet insurance is a major convenience.
Strong Financial Stability: Progressive has an "A+" (Superior) rating from AM Best, meaning they have the financial horsepower to pay out claims, which is what insurance is all for.
Cons 👎
Average Customer Service: While their digital service is great, their human-to-human customer service and claims satisfaction scores (like those from J.D. Power) are often mid-pack. They aren't terrible, but they typically don't lead the industry like some competitors.
Snapshot Can Backfire: That telematics program isn't just for discounts. As mentioned, risky driving habits will be held against you and can lead to a higher premium.
Rates for "Perfect" Drivers Can Be Beaten: If you have a flawless driving record, excellent credit, and are a homeowner, you may find cheaper rates from companies like State Farm or Allstate, who traditionally reward "preferred" customers.
How Progressive Compares
vs. State Farm: State Farm is built on the local "insurance agent" model. If you want a personal relationship with an agent you can call directly, State Farm often wins. Progressive is built for the user who wants to manage everything online.
vs. Allstate: Allstate is very similar to Progressive, with strong digital tools and telematics (Drivewise). They also have a large agent network. The best choice between these two almost always comes down to who gives you the better "insurance quote" for the coverage you need.
The Verdict: Is Progressive Insurance Good?
Yes, Progressive is a good and legitimate insurance company. They are a top-tier carrier in the US, and you can be confident that they will pay valid claims.
They are an excellent choice if:
You have a less-than-perfect driving record.
You are tech-savvy and prefer managing your policy via an app.
You are looking for a simple way to bundle multiple policies.
They are probably not the best choice if:
You highly value a dedicated, local agent and personalized customer service.
You are an aggressive driver and are considering the Snapshot program.
Ultimately, the only way to know if Progressive is right for you is to compare.
Ready to see your rate? Get a free, no-obligation insurance quote directly from Progressive and compare it against 2-3 other top "insurance companies" to ensure you're not overpaying.
