Progressive
Progressive Auto Insurance Review 2026
Broadest credit-box and the strongest underwriting for high-risk drivers.
Who Progressive Auto Insurance is best for
Drivers with accidents, DUIs, sub-prime credit, or non-standard underwriting profiles. Also useful for usage-based-insurance fans.
At a glance
- AM Best rating
- A+
- Credit-box
- Widest
- UBI program
- Snapshot
- Market share
- #2 in US
Superior financial strength
Among major national carriers
Usage-based discount up to 30%
Behind State Farm
Pros
- +Most accepting underwriting for at-fault accidents, DUIs, lapses, and sub-prime credit profiles
- +Snapshot usage-based-insurance program rewards safe driving with discounts up to 30%
- +Name Your Price tool — enter target premium, see policies that fit
- +Strong bundling with the Progressive home insurance product (underwritten via partners in many states)
- +Robust mobile app and 24/7 claims handling
Cons
- −Clean-record prime-credit drivers typically find lower quotes at GEICO or USAA
- −Snapshot can increase rates for drivers it flags as high-risk (hard braking, late-night driving)
- −Home insurance is underwritten through partner carriers in some states, fragmenting the bundle experience
Progressive Auto Insurance requirements
- Available in all 50 states + DC
- Underwrites broader credit-band than most competitors
Progressive Auto Insurance alternatives
Top alternatives worth comparing from Best Auto Insurance Companies 2026.
GEICO
GEICO Auto Insurance
Drivers with clean records, prime credit, and standard underwriting profiles who want the lowest-cost national carrier.
USAA
USAA Auto Insurance
Active-duty military, veterans, and immediate family members of either. Restricted membership.
State Farm
State Farm Auto Insurance
Drivers who value local-agent relationships and own/rent property they want to bundle.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Progressive→Last verified at the issuer on 2026-05-29
Compare Progressive Auto Insurance head-to-head
The full lineup
See all picks in Best Auto Insurance Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Progressive Auto Insurance scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Drivers with accidents, DUIs, sub-prime credit, or non-standard underwriting profiles. Also useful for usage-based-insurance fans.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Progressive Auto Insurance
Is Progressive auto insurance good?+
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.
How does Progressive's Snapshot program work?+
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.
How does Progressive's claims experience compare to competitors?+
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.
What is Progressive's Name Your Price tool?+
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.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.