Progressive Car Insurance Review
Progressive is a top choice for tech-savvy drivers, offering usage-based insurance, competitive pricing, and a Name Your Price® tool. They’re also known for their transparency in pricing and optional coverages.
Company & Policy Details
Company Information
Established
1937
Underwritten by
Progressive Casualty Insurance Company
Market Position
Customer Service Hours
24/7
Ratings & Performance
Claims Satisfaction
Financial Strength
A+
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 1 year old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Name Your Price® tool customizes your policy to fit your budget
- Snapshot® program rewards safe drivers
- Multiple policy bundling options available
Available Features
Customer Service
Premium Range
From
£675.00
Average
£908.33
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
What is the Snapshot® program?
Snapshot® tracks driving habits to offer personalized discounts for safe behavior.
Does Progressive cover rideshare drivers?
Yes, Progressive offers coverage for Uber and Lyft drivers.
What types of coverage does Progressive offer?
Coverage includes liability, comprehensive, collision, and custom parts/equipment.
Is accident forgiveness included?
Accident forgiveness is available in most states after 5 claim-free years.
In-Depth Provider Analysis
Expert Analysis: Progressive Car Insurance
Progressive is one of the largest car insurance companies in the U.S., known for its flexible pricing options, innovative tools like Name Your Price®, and its Snapshot® telematics program. The company offers a broad selection of auto coverage options and is popular for bundling auto with home and renters insurance. Founded in 1937, Progressive has a strong digital presence and appeals to a wide demographic, from high-risk drivers to families and small business owners with commercial vehicles. Progressive’s blend of digital tools and agent support creates a hybrid approach that gives customers more control over their policy and price.
Professional Editorial Review
Progressive stands out for its adaptability, pricing transparency, and innovative digital tools. While Snapshot isn’t for everyone, the insurer’s broad appeal and strong technology backbone make it a great choice for many U.S. drivers looking to balance cost with flexibility.
Market Position
Firmly positioned in the top three U.S. auto insurers. Progressive is a well-established innovator focused on digital solutions, safe driving rewards, and broad accessibility.
Pricing Strategy
Progressive combines dynamic pricing tools like Name Your Price® with rewards-based telematics (Snapshot) to deliver flexible pricing across risk levels. Its pricing strategy rewards safe driving while also catering to high-risk segments.
Who Should Consider Progressive? A Detailed Analysis
Progressive appeals to a wide range of drivers, including budget-conscious shoppers, tech-savvy users looking for customization, high-risk drivers needing SR-22s, and customers interested in bundling multiple policies.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Highly customizable policies with broad eligibility
Strong mobile app and online tools
Nationwide network of claims service centers
Competitive pricing for safe drivers
Hybrid approach: available via agents or online direct
Important Considerations
Snapshot may raise rates for riskier drivers
Pricing can be high without discounts or telematics participation
Mixed reviews for claims process in some regions
May not offer the lowest base rate for low-risk drivers compared to GEICO
What Makes Progressive Stand Out
Snapshot® program rewards safe drivers with lower premiums
Name Your Price® tool helps match budget with coverage options
Available through both agents and direct online purchase
Extensive bundling discounts for home, renters, and motorcycle
Good for high-risk drivers including SR-22 filings
Claims Process Analysis
Progressive’s claims process can be initiated via app, website, or phone 24/7. The insurer offers an extensive network of repair shops and its Concierge Service in certain cities. Claims tracking is available online, with direct deposit reimbursement for many claims. Turnaround time is competitive, although complex claims may experience delays based on region.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer service is accessible via phone, online chat, or through Progressive agents. The hybrid support model appeals to both digital and traditional users. While some users report long wait times during high-demand periods, overall satisfaction remains solid due to policy transparency and digital convenience.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Progressive fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Progressive's approach aligns with your needs.
These market statistics help put Progressive's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Progressive
How does Progressive compare to other budget insurers in terms of value for money?
Progressive positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Progressive's claims process?
Progressive’s claims process can be initiated via app, website, or phone 24/7. The insurer offers an extensive network of repair shops and its Concierge Service in certain cities. Claims tracking is available online, with direct deposit reimbursement for many claims. Turnaround time is competitive, although complex claims may experience delays based on region. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Progressive suitable for young or inexperienced drivers?
Progressive can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Progressive for long-term coverage?
Progressive has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Progressive work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofProgressive's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Progressive for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Progressive
How to Get Coverage
- Visit Progressive's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Progressive directly for the most accurate and up-to-date quotes for your specific situation.