Progressive Auto Insurance: Pioneers of the Snapshot Discount Insurance Model Rating: ★★★★★ 

Lately, Progressive automobile insurance has probably been most well-known for their sassy insurance mascot, Flo: the fictional customer service representative with the teased-up hair and the zealous passion for insurance that might make some question her sanity. But the truth is that Progressive has been around since 1937. Today, they offer their customers not just automotive insurance, but also life insurance, health insurance, pet insurance, and everything in between. They are also well-known for their Snapshot discount program, which lets drivers with low mileage and safe driving habits lower their overall premiums.

Progressive Insurance Review

Based on the ratings below, it isn’t difficult to see why Progressive has grown to be the large, well-established company that they are today. Their financial strength has earned an A+ “superior” rating from the reliable AM Best credit rating agency. They also have good customer service ratings from both JD Power and the NAIC.

Ratings Agency Rating
A.M. Best A+
JD Power & Associates Rating 3 out of 5 (About Average)
NAIC 0.89 (Better than Average)

Progressive Insurance Discounts

With Progressive, there is a good variety of discounts you might be able to qualify for. In addition to the discounts listed in the chart below, you may also qualify for a homeowner discount, a continuous insurance discount, a paid in full discount, an automatic bill pay discount, or a good student discount. But not all discounts are available in all states, so it’s hard for Progressive to advertise them with complete accuracy. Your best bet is to contact a local Progressive insurance agent near you for full details:

Discount Type Discount %
Requesting an Online Quote 7%
Multi-Product/Bundle 5-12%
Safe Driver 29%
Multi-Car 10%
Sign Documents Online $50

(* 2016)

Progressive Auto Insurance Options

Like many insurance companies, Progressive offers you the insurance you need to drive legally, and also the optional coverage options you may want in order to optimize your property protection. With Progressive, you’ll start with the following coverages:

  • Liability Coverage (Bodily Injury and Property Damage)
  • Medical Payments
  • Uninsured/Underinsured Motorist Bodily Injury

And if you have the additional funds, you may choose to add the following coverages to your policy:

  • Collision
  • Comprehensive
  • Loan/Lease Payoff
  • Pet Injury
  • Uninsured Motorist Property Damage
  • Rental Reimbursement
  • Custom Parts & Equipment Value
  • Roadside Assistance

Comparing Progressive Insurance Quotes

Based on your specific circumstances, your insurance company may alter your monthly rates based on whether you have (or don’t have) a high-risk profile:

Progressive Auto Insurance Quote Comparison Legend: Progressive Single Male Single Female Married Homeowners Senior Couple 15 30 45 60 75 90 105 120 135 150 $119 $115 $152 $139

Progressive’s business model seems to charge drivers less based on a lower risk profile, and more based on a higher risk profile. Married homeowners are being charged less per person than single drivers, and senior drivers with more experience behind the wheel are being charged less still. But your quote will depend on other factors too, such as credit score and driving history.

Pros and Cons of Progressive Insurance

Pro Con
Attentive and responsive customer service For families with teen drivers, Progressive will charge a fee for putting them on your policy as a non-driver
Reasonably priced rates for the level of service and convenience Mixed reviews on the effectiveness of their Snapshot usage-based program
Up to 30% discount for safe drivers with Progressive’s Snapshot device

Progressive presents drivers with more flexible options than most other major insurance carriers are willing to offer. However, based on their available discounts, it seems as though the only drivers who can really benefit are those who drive fewer miles and are lucky enough not to live in an area where hard breaking is not required in order to avoid accidents. Regardless, if you think Progressive might help you save money on your monthly premiums, it can’t hurt to compare their quotes to quotes from other local auto insurance providers near you.


Corporate Headquarters
The Progressive Corporation
6300 Wilson Mills Road
Mayfield Village, Ohio 44143