Broadest credit-box and the strongest underwriting for high-risk drivers.
Get started at Progressive → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Drivers with accidents, DUIs, sub-prime credit, or non-standard underwriting profiles. Also useful for usage-based-insurance fans.
Progressive Auto Insurance — Broadest credit-box and the strongest underwriting for high-risk drivers. Best for: Drivers with accidents, DUIs, sub-prime credit, or non-standard underwriting profiles. Also useful for usage-based-insurance fans.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Progressive is a strong option for specific driver profiles — especially those with at-fault accidents, DUIs, recent coverage lapses, or sub-prime credit. Its credit-box is the widest among major national carriers. For clean-record prime-credit drivers, GEICO or USAA typically quote lower. Progressive is the second-largest auto insurer in the US by premium volume (behind State Farm) and holds an A+ financial-strength rating from A.M. Best, indicating strong ability to pay claims.
Snapshot is Progressive's usage-based insurance (UBI) telematics program. It monitors driving behavior — hard braking, nighttime driving, and miles driven — via a mobile app or plug-in device. Safe drivers can earn discounts of up to 30%. The trade-off: Progressive can also rate you higher if Snapshot flags behaviors it considers risky (hard braking, frequent late-night driving). Snapshot typically begins with an initial discount and adjusts at renewal based on your recorded driving behavior.
Progressive earns average-to-above-average scores in J.D. Power's annual U.S. Auto Claims Satisfaction Studies. The NAIC's complaint ratio for Progressive (complaints per million dollars of premium) is publicly available at naic.org — it runs near the industry median for its size. Claims handling is primarily phone and digital. Progressive's repair-shop network (Service Centers) can streamline the process for covered vehicles. For military families, USAA consistently ranks above Progressive on claims satisfaction.
Progressive's Name Your Price tool lets you enter a target monthly premium and see what coverage levels fit within that budget. It reverse-engineers the standard quoting process: instead of starting with coverage and finding the price, you start with your price tolerance and see what coverage that buys. The tool is a useful starting point for budget-constrained shoppers, but it can produce lower coverage limits than state minimums or appropriate levels for your assets — review the coverage details carefully before binding.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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