Progressive Car Insurance Review & Ratings (2023)
Progressive car insurance reviews give the company a strong financial rating of A+ from A.M. Best and C- rating for consumer experience by the Better Business Bureau. Other reviews give Progressive more positive customer service reviews, including J.D. Power and Consumer Affairs. If customer service is important to you, read our Progressive car insurance review to learn more and compare Progressive insurance against local companies in your area.
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UPDATED: Jun 28, 2022
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UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Progressive Overview | Stats |
---|---|
Year Founded | 1937 |
Current Executives | Tricia Griffith President and CEO |
Number of Employees | 43,000+ |
Total Sales/Assets | |
Headquarters | 6300 Wilson Mills Rd. Mayfield Village, Ohio 44143 |
Phone Number | 1-800-776-4737 |
Company Website | https://www.progressive.com/ |
Premiums Written | Total Private Passenger Auto: $27 billion |
Loss Ratio | 61% (2018) |
Best For | Auto Insurance |
Maybe you have bought car insurance from Progressive earlier or maybe you’re considering buying from them. Whatever your current situation is, we are here to offer you all the details about Progressive auto insurance.
Because you may not know everything about an insurance provider unless you conduct in-depth research.
Progressive is a leading auto insurance provider in the US market and it started operations in the year 1937 to provide affordable coverage options for vehicle owners.
So now you can imagine the depth of auto insurance knowledge that Progressive has and how it can help you in meeting your coverage needs.
Progressive, as its name suggests, has always been quite ahead of its times – they were the first company to introduce payment in installments for auto insurance customers.
In fact, they also offered drive-in claims offices for accident victims to get an estimate back in the 1940s.
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What are Progressive’s financial strength and customer satisfaction ratings?
Would you ever buy a product without checking its ratings? Especially if that product can protect you from the consequences of a severe accident?
Your answer is probably no. Whenever you plan to buy insurance, always make sure that you check the financial ratings of a provider before signing on the policy document.
Agency | Rating |
---|---|
AM Best | A+ (Superior) |
Better Business Bureau | C- (Average) |
Moody's | A2 (Good) |
S&P | AA (Very Strong) |
NAIC Complaint Index Ratio | 0.0012 (2018) |
J.D. Power | About Average |
Consumer Reports | 87 out of 100 |
Consumer Affairs | 3.5 out of 5 |
In the table above, we have collated the rating data from different agencies for Progressive. Let’s talk about each rating and agency in detail.
Though there are five agencies that assess the financial strength of insurance companies and each one has its own flavor.
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What are AM Best ratings?
To start with, we will talk about AM Best. Why?
AM Best is the only global credit rating agency that is uniquely focused on the insurance sector.
The financial strength rating of AM Best is an independent opinion of an insurer’s ability to meet its long-term insurance obligations.
So when AM Best rates a company good or excellent, you can be assured that if there’s an unfortunate accident, the insurer will reimburse your damages.
But, every agency has a different rating scale which is based on unique rating standards and assessment rules.
The AM Best financial strength scale assigns a rating from A+ to D to indicate the capability of an institution to meet its obligations. Within each scale, there’s a gradation denoted by “+ or -” to further break down the financial strength.
An A++ means a superior ability to pay off any future obligations Progressive’s A+ rating from AM Best should help auto owners trust the company with their insurance coverage.
What are Better Business Bureau ratings?
Better Business Bureau (BBB) works a little differently than other agencies who look mainly at the finances of an insurance company.
With BBB’s rating, you can get an idea about how a company would interact with you and what kind of experience you might have with them.
They use consumer complaint data mainly to assign ratings to an insurance company.
The rating elements used by BBB are quite interesting and the agency gives businesses a fair chance to represent their side rather than just listening to consumer complaints.
On a 100-point scale, BBB adds weight to factors like complaint volume, unanswered complaints, unresolved complaints, failure to address complaint patterns, and nine more elements.
The ratings of BBB start from A++ and end at F ranging from the highest to the lowest trust rating.
BBB which isn’t great considering consumer experience greatly matters in auto insurance. In the explanation, BBB mentions that Progressive failed to resolve eight complaints.
What are Moody’s ratings?
Moody’s started by rating bonds and stocks at the beginning of the 19th century and now tracks the debt of 135 countries, around 5,000 non-financial corporate issuers, 4,000 financial institutions issuers, and many more entities.
The ratings assigned by Moody’s are followed by many, which go from AAA for the highest quality to C for the lowest quality.
Moody’s has assigned a rating of A2 to Progressive which again strengthens the fact that their ability to meet their long-term obligations is good.
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What are S&P ratings?
Also known as Standard and Poor’s, S&P assesses the credit-worthiness of a company after analyzing its financial statements and general outlook.
The rating scale ranges from AAA for the best companies to D for companies with the lowest credit-worthiness.
Again, for Progressive, the S&P rating is AA which denotes a highly-strong ability of the company to meet its obligations.
What about the NAIC Complaint Index?
We think by now you know about the financial strength of Progressive.
That matters a lot, but what about its consumer service level? We have already seen that BBB has reported unresolved complaints at the company.
Let’s look at the complaint data from the National Association of Insurance Commissioners where you can find all complaints against an insurer.
Private Passenger Policies | 2016 | 2017 | 2018 |
---|---|---|---|
Total Complaints | 32 | 35 | 34 |
Complaint Index (better or worse than National Index) | 0.0011 (better) | 0.0000 (better) | 0.0012 (better) |
National Complaint Index | 1.47 | 1.53 | 1.51 |
You can see that over the three-year period from 2016 to 2018, consumer complaint numbers for Progressive were stable.
What are JD Power consumer ratings?
Apart from checking the complaints data, you should also try to research how satisfied consumers are with the services on an insurer.
To make it easy for consumers, JD Power – which conducts surveys on consumer satisfaction and buyer behavior – releases an annual survey report on the satisfaction level of auto insurance customers.
In the J.D. Power 2019 U.S. Auto Insurance Study, the survey found that consumer satisfaction has reached the highest levels as more and more insurers have introduced do-it-yourself tools.
In most of the regions of America, consumers rated Progressive as average and below average. JD Power uses five factors to rate insurers:
- Interaction
- Policy offerings
- Price
- Billing process and policy information
- Claims
Region | Consumer Satisfaction (Out of 100) | Power Circle Ratings |
---|---|---|
California | 821 | About Average |
Central | 823 | About Average |
Florida | 809 | Like The Rest |
Mid-Atlantic | 828 | Like The Rest |
New England | 825 | About Average |
New York | 815 | Like The Rest |
North Central | 828 | About Average |
Northwest | 797 | Like The Rest |
Southeast | 824 | Like The Rest |
Southwest | 807 | Like The Rest |
Texas | 816 | Like The Rest |
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What about Consumer Reports?
Consumer Reports is a non-profit and independent organization that is working to bring transparency into the marketplace for consumers.
They work to help consumers with their purchase decision, drive fair competition, and improve the products that companies offer.
Consumer Reports is not only a great source if you’re looking for reviews of your daily use products but can also help you to assess your next auto insurance provider.
Claims Handling | Score |
---|---|
Timely payment | Excellent |
Agent courtesy | Very Good |
Being kept informed of claim status | Very Good |
Damage amount | Very Good |
Ease of reaching an agent | Very Good |
Freedom to select repair shop | Very Good |
Promptness of response - very good | Very Good |
Simplicity of the process | Very Good |
Total | 87 |
The table above shows Progressive insurance reviews from Consumer Reports for its claims handling process. When you’re buying auto insurance, one of the most important aspects to check is how well the company responds to the first notice of loss.
Progressive scores 87 on the overall claims handling experience. Progressive’s insurance company reviews with Consumer Reports have received good ratings on each element of the process.
What about Consumer Affairs?
Consumer Affairs is another company that offers insights and reviews of products to help consumers in making buying decisions.
Progressive is rated 3.5 out of 5 based on 2,659 consumer reviews from the last year. Consumers specifically cite low coverage rates and fast claims process as the reasons behind the positive reviews.
Some of the pros quoted by Consumer Affairs are:
- A wide array of discounts for all drivers
- Fast claims process
- Good range of add-ons
- Direct distribution model leading to lower costs
By now, you’re aware of all the financial ratings and consumer reviews sources on the web to research an insurer.
We would always recommend checking a few sources before making a decision – because some of these ratings might be biased.
What is the history of Progressive?
Progressive was born when two lawyers, Joseph Lewis and Jack Green, thought about offering low-cost insurance to all drivers in 1937.
Even to this day, Progressive sells policies through a network of independent agents directly to consumers thus keeping costs low.
Progressive, true to its name, has brought many innovative changes to the insurance landscape.
1956: Progressive Casualty Company was established to cater to the needs of high-risk drivers.
1971: The Progressive Corporation went public this year.
1987: Progressive reached the whopping level of $1 billion in premiums and was listed on the New York Stock Exchange.
1995: This might seem like nothing in these times but Progressive was one of the first insurers to launch a website. In subsequent years, consumers could get online quotes as well as buy policies through their website.
Progressive continues to innovate and offer innovative digital tools for consumers even today with over 20 million active insurance policies. And because of their customer service and fast claims service, Progressive grew from $3.4 billion to $42 billion between 1996 and 2020.
What is the market share of Progressive?
The market share of an auto insurance provider determines how strong the company has become in the industry. Higher market share also means that an insurer is the preferred choice of consumers.
Let’s look at how Progressive has grown over the years.
Year | Direct Premiums Written | Loss Ratio | Cumulative Market Share |
---|---|---|---|
2015 | $21 billion | 61.37% | 33.05% |
2016 | $23 billion | 65.87% | 29.40% |
2017 | $27 billion | 64.49% | 30.43 % |
2018 | $33 billion | 61.03% | 26.14 % |
Progressive has witnessed continuous growth in its direct written premiums from 2015 to 2018. However, you can see that the company’s market share is on a downfall.
What is Progressive’s position for the future?
After looking at the consumer reviews, financial ratings, and market share data, we can safely say that Progressive is touted to grow in the future as well.
Though there are a few unresolved complaints against the insurance provider, it’s otherwise a preferred choice of many consumers.
When it comes to the financial strength of Progressive, all the rating agencies have a positive outlook towards its future paying abilities.
Progressive continues to offer innovative digital solutions to consumers the same way it pioneered many unique offerings in the past – such as the drive-in claims offices back in the 1940s.
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How about Progressive’s online presence?
A company that was the first in the auto insurance industry to launch a website would naturally have a stellar online presence now.
You can get quotes directly from Progressive’s website or connect with their independent agents to buy a policy.
Though Progressive offers insurance only for motor vehicles, it also allows its customers to seek quotes for homeowners, renters, and condo insurance through its affiliates.
Apart from its intuitive website, Progressive has a presence on Facebook, Instagram, Twitter, and Youtube. They regularly share content on these platforms to inform consumers of their products.
What about Progressive’s commercials?
In 2008, Progressive introduced a character, famously known now as Flo, in its ad campaigns and the rest is history. If you have ever watched television in the last 10 years, you must have seen Flo.
From zero brand recognition to becoming a staple in every household, Progressive has really come a long way – all because it decided to depict auto insurance as an interesting product to buy through its ads.
Can you notice the energy and enthusiasm that Progressive weaved into their brand mascot?
Since then, they have introduced many characters whom they use in their ads while Flo remains the main attraction.
- Babyman: To connect with millennials, they introduced Babyman who does weird things using technology and helps sell car insurance
- Motaur: To add more creativity, they introduced a human-machine combination character that helps in selling motorcycle insurance
What about Progressive in the community?
Being involved in the community around them is ingrained in the culture of Progressive.
Progressive encourages its employees to contribute to society by participating in local events and volunteering. The Progressive Insurance Foundation matches funds to charitable organizations to which their employees contribute.
In addition, Progressive runs a STEM Progress Program where they teach science and engineering concepts using insurance.
But, the most interesting of all their programs is the Keys to Progress Program that honors the veterans of our country.
Now in its seventh year, Progressive conducts a one-day annual giveaway event to donate vehicles to those who have served.
What about Progressive’s employees?
Progressive employs more than 43,000 people across its 400 offices in America. Unlike other insurers, Progressive has a casual dress code for its employees and houses contemporary artwork in some of its offices.
We searched a bit more to know what employees feel about working at Progressive. A company that treats its employees well can only keep the best interest of consumers first.
As per Great Place to Work, 92% of employees at Progressive feel that it’s a great place to work.
- Some of the reasons people like to work at Progressive are – people, culture, diversity, and flexibility.
- The majority of the workforce (47%) is constituted by millennials followed by Gen X (39%).
- Almost 28% of the people leave Progressive within two years while around 26% of employees work for two to five years.
Apart from these great reviews from employees, Progressive has won notable awards such as the Fortune 100 Best Companies to Work For in 2019.
We also checked employee reviews on Glassdoor to know about what they think of Progressive.
- In about 2,500 employee reviews, Progressive was rated 3.8 out of 5 with most of the reviews highlighting the great experience people have had working at the company.
- Almost 73% of the reviewers would recommend working at Progressive to their friends and around 92% approve of the company’s current CEO.
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Are its car insurance rates cheap?
One of the major complaints of auto insurance consumers is that they pay exorbitant premiums almost, always.
While we can’t guarantee that you will get the cheapest rates because it varies depending on personal factors, we will discuss what rates Progressive offers in your state and how much you can expect to pay.
What is Progressive Insurance’s availability?
Progressive insurance is available in all states so if you’re looking for car insurance at the moment, you can get quotes from them. Though it’s available in every state, coverage options and discounts vary by state.
Progressive Rates by State
States | Annual Premium | Higher/Lower than State Average | Percentage Change from State Average (+/-) |
---|---|---|---|
Alabama | $4,450.52 | $883.56 | 24.77% |
Alaska | $3,062.85 | ($358.66) | -10.48% |
Arizona | $3,577.50 | ($193.47) | -5.13% |
Arkansas | $5,312.09 | $1,187.11 | 28.78% |
California | $2,849.67 | ($839.26) | -22.75% |
Colorado | $4,231.92 | $355.53 | 9.17% |
Connecticut | $4,920.35 | $301.43 | 6.53% |
Delaware | $4,181.83 | ($1,804.49) | -30.14% |
District of Columbia | $4,970.26 | $531.02 | 11.96% |
Florida | $5,583.30 | $902.84 | 19.29% |
Georgia | $4,499.22 | ($467.61) | -9.41% |
Hawaii | $2,177.93 | ($377.71) | -14.78% |
Idaho | Data Not Available | N/A | N/A |
Illinois | $3,536.65 | $231.17 | 6.99% |
Indiana | $3,898.00 | $483.03 | 14.14% |
Iowa | $2,395.50 | ($585.78) | -19.65% |
Kansas | $4,144.38 | $864.76 | 26.37% |
Kentucky | $5,547.63 | $352.23 | 6.78% |
Louisiana | $7,471.10 | $1,759.76 | 30.81% |
Maine | $3,643.59 | $690.32 | 23.37% |
Maryland | $4,094.86 | ($487.84) | -10.65% |
Massachusetts | $3,835.11 | $1,156.26 | 43.16% |
Michigan | $5,364.55 | ($5,134.09) | -48.90% |
Minnesota | Data Not Available | N/A | N/A |
Mississippi | $4,308.85 | $644.28 | 17.58% |
Missouri | $3,419.14 | $90.21 | 2.71% |
Montana | $4,330.76 | $1,109.92 | 34.46% |
Nebraska | $3,758.01 | $474.33 | 14.44% |
Nevada | $4,062.57 | ($799.13) | -16.44% |
New Hampshire | $2,694.45 | ($457.32) | -14.51% |
New Jersey | $3,972.72 | ($1,542.49) | -27.97% |
New Mexico | $3,119.18 | ($344.46) | -9.94% |
New York | $3,771.15 | ($518.73) | -12.09% |
North Carolina | $2,382.61 | ($1,010.50) | -29.78% |
North Dakota | $3,623.06 | ($542.78) | -13.03% |
Ohio | $3,436.96 | $727.25 | 26.84% |
Oklahoma | $4,832.35 | $690.03 | 16.66% |
Oregon | $3,629.13 | $161.36 | 4.65% |
Pennsylvania | $4,451.00 | $416.51 | 10.32% |
Rhode Island | $5,231.09 | $227.73 | 4.55% |
South Carolina | $4,573.08 | $791.94 | 20.94% |
South Dakota | $3,752.81 | ($229.46) | -5.76% |
Tennessee | $3,656.91 | ($3.98) | -0.11% |
Texas | $4,664.69 | $621.41 | 15.37% |
Utah | $3,830.10 | $218.21 | 6.04% |
Vermont | $5,217.14 | $1,983.01 | 61.32% |
Virginia | $2,498.58 | $140.71 | 5.97% |
Washington | $3,209.52 | $150.20 | 4.91% |
West Virginia | Data Not Available | N/A | N/A |
Wisconsin | $3,128.91 | ($477.15) | -13.23% |
Wyoming | $4,401.17 | $1,201.09 | 37.53% |
Every insurance company has different rates across states so you will need to obtain a new quote when you move from one state to a new state.
As you can see in the table above, Progressive is quite expensive than the average rates in some states like – Montana, Louisiana, Vermont, Massachusetts, and Arkansas.
While in states like Delaware, North Carolina, and New Jersey, Progressive offers cheaper rates than the average. Specifically in Michigan, the company offers a significantly lower rate.
What are the top 10 insurance companies by market share?
When you’re buying insurance, you obviously would seek a quote from many insurance providers to get the best rates and value. In that scenario, it will help if you have an idea about what each insurer offers.
In the table below, you can see the rates of Progressive in all states compared to other leading providers.
States | Average Annual Premiums | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|---|---|---|---|
Alabama | $3,566.96 | $3,311.52 | Data Not Available | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
Alaska | $3,421.51 | $3,145.31 | $4,153.07 | Data Not Available | $2,879.96 | $5,295.55 | Data Not Available | $3,062.85 | $2,228.12 | Data Not Available | $2,454.21 |
Arizona | $3,770.97 | $4,904.10 | Data Not Available | $5,000.08 | $2,264.71 | Data Not Available | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
Arkansas | $4,124.98 | $5,150.03 | Data Not Available | $4,257.87 | $3,484.63 | Data Not Available | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
California | $3,688.93 | $4,532.96 | Data Not Available | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
Colorado | $3,876.39 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | Data Not Available | $3,338.87 |
Connecticut | $4,618.92 | $5,831.60 | Data Not Available | Data Not Available | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
Delaware | $5,986.32 | $6,316.06 | Data Not Available | Data Not Available | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
District of Columbia | $4,439.24 | $6,468.92 | Data Not Available | Data Not Available | $3,692.81 | Data Not Available | $4,848.98 | $4,970.26 | $4,074.05 | Data Not Available | $2,580.44 |
Florida | $4,680.46 | $7,440.46 | Data Not Available | Data Not Available | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | Data Not Available | $2,850.41 |
Georgia | $4,966.83 | $4,210.70 | Data Not Available | Data Not Available | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | Data Not Available | $3,157.46 |
Hawaii | $2,555.64 | $2,173.49 | Data Not Available | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | Data Not Available | $1,189.35 |
Idaho | $2,979.09 | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | Data Not Available | $1,867.96 | $3,226.29 | $1,877.61 |
Illinois | $3,305.48 | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
Indiana | $3,414.97 | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | Data Not Available | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
Iowa | $2,981.28 | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
Kansas | $3,279.62 | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
Kentucky | $5,195.40 | $7,143.92 | Data Not Available | Data Not Available | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
Louisiana | $5,711.34 | $5,998.79 | Data Not Available | Data Not Available | $6,154.60 | Data Not Available | Data Not Available | $7,471.10 | $4,579.12 | Data Not Available | $4,353.12 |
Maine | $2,953.28 | $3,675.59 | Data Not Available | $2,770.15 | $2,823.05 | $4,331.39 | Data Not Available | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
Maryland | $4,582.70 | $5,233.17 | Data Not Available | Data Not Available | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | Data Not Available | $2,744.14 |
Massachusetts | $2,678.85 | $2,708.53 | Data Not Available | Data Not Available | $1,510.17 | $4,339.35 | Data Not Available | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
Michigan | $10,498.64 | $22,902.59 | Data Not Available | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
Minnesota | $4,403.25 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | Data Not Available | $2,066.99 | Data Not Available | $2,861.60 |
Mississippi | $3,664.57 | $4,942.11 | Data Not Available | Data Not Available | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
Missouri | $3,328.93 | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | Data Not Available | $2,525.78 |
Montana | $3,220.84 | $4,672.10 | Data Not Available | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | Data Not Available | $2,031.89 |
Nebraska | $3,283.68 | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | Data Not Available | $2,330.78 |
Nevada | $4,861.70 | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
New Hampshire | $3,151.77 | $2,725.01 | Data Not Available | Data Not Available | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | Data Not Available | $1,906.96 |
New Jersey | $5,515.21 | $5,713.58 | Data Not Available | $7,617.00 | $2,754.94 | $6,766.62 | Data Not Available | $3,972.72 | $7,527.16 | $4,254.49 | Data Not Available |
New Mexico | $3,463.64 | $4,200.65 | Data Not Available | $4,315.53 | $4,458.30 | Data Not Available | $3,514.38 | $3,119.18 | $2,340.66 | Data Not Available | $2,296.77 |
New York | $4,289.88 | $4,740.97 | Data Not Available | Data Not Available | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
North Carolina | $3,393.11 | $7,190.43 | Data Not Available | Data Not Available | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | Data Not Available |
North Dakota | $4,165.84 | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | Data Not Available | $2,006.80 |
Ohio | $2,709.71 | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
Oklahoma | $4,142.33 | $3,718.62 | Data Not Available | $4,142.40 | $3,437.34 | $6,874.62 | Data Not Available | $4,832.35 | $2,816.80 | Data Not Available | $3,174.15 |
Oregon | $3,467.77 | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
Pennsylvania | $4,034.50 | $3,984.12 | Data Not Available | Data Not Available | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
Rhode Island | $5,003.36 | $4,959.45 | Data Not Available | Data Not Available | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
South Carolina | $3,781.14 | $3,903.43 | Data Not Available | $4,691.85 | $3,178.01 | Data Not Available | $3,625.49 | $4,573.08 | $3,071.34 | Data Not Available | $3,424.77 |
South Dakota | $3,982.27 | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | Data Not Available | Data Not Available |
Tennessee | $3,660.89 | $4,828.85 | Data Not Available | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
Texas | $4,043.28 | $5,485.44 | $4,848.72 | Data Not Available | $3,263.28 | Data Not Available | $3,867.55 | $4,664.69 | $2,879.94 | Data Not Available | $2,487.89 |
Utah | $3,611.89 | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | Data Not Available | $2,491.10 |
Vermont | $3,234.13 | $3,190.38 | Data Not Available | Data Not Available | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | Data Not Available | $1,903.55 |
Virginia | $2,357.87 | $3,386.80 | Data Not Available | Data Not Available | $2,061.53 | Data Not Available | $2,073.00 | $2,498.58 | $2,268.95 | Data Not Available | $1,858.38 |
Washington | $3,059.32 | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | Data Not Available | $2,262.16 |
West Virginia | $2,595.36 | $3,820.68 | Data Not Available | Data Not Available | $2,120.80 | $2,924.39 | Data Not Available | Data Not Available | $2,126.32 | Data Not Available | $1,984.62 |
Wisconsin | $3,606.06 | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | Data Not Available | $2,975.74 |
Wyoming | $3,200.08 | $4,373.93 | Data Not Available | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | Data Not Available | $2,779.53 |
No matter how controversial it might sound, insurance companies use gender as a factor to base their rates and more often males are charged higher than females.
What are Progressive male vs females car insurance rates?
No matter how controversial it might sound, insurance companies use gender as a factor to base their rates, and more often males, especially young males, are charged higher than females.
Through the table below, you can get an idea about how much your premiums would be depending on the demographic you’re a part of.
Demographics | Average Annual Premiums |
---|---|
Single 17-year-old female | $8,689.95 |
Single 17-year-old male | $9,625.49 |
Single 25-year-old female | $2,697.73 |
Single 25-year-old male | $2,758.66 |
Married 35-year-old female | $2,296.90 |
Married 35-year-old male | $2,175.27 |
Married 60-year-old female | $1,991.49 |
Married 60-year-old male | $2,048.63 |
Rates for young drivers are always exorbitantly higher than every other age group. This is because of their inexperience with driving – young male drivers are considered the riskiest drivers by insurance companies.
Except for the 35-year-old age group, male drivers are charged higher rates at Progressive.
You’re in luck if you live in one of the states – Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, California, and parts of Michigan – where the law bans insurance companies from using gender as a factor to determine rates.
What are Progressive rates by car make & model?
Your car’s make and model is another factor that has a huge influence on your rates. So, if you’re thinking about buying your favorite luxurious sports car, think twice.
Some car models are considered riskier than others. Moreover, if you buy a newer model or an expensive car, it will always cost more to repair or replace parts. That’s why car insurance rates vary as per the kind of car you buy.
Car Make & Model | Average Annual Premiums |
---|---|
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $3,914.05 |
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT | $4,429.56 |
2015 Toyota RAV4: XLE | $3,647.22 |
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $3,962.58 |
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT | $4,528.90 |
2018 Toyota RAV4: XLE | $3,730.78 |
We have conducted an analysis to see how much car insurance rates differ when you buy a car with the same specification but the make. Resultantly, car insurance for a new make always costs more.
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What about Progressive rates by commute level?
Mileage | Average Annual Rates |
---|---|
10 miles commute/ 6000 annual mileage | $4,030 |
25 miles commute/12000 annual mileage | $4,041 |
If you rarely use your car or commute by public transport mostly, you can save money on auto insurance.
Since the probability of being involved in an accident is low when you drive less, insurers offer a discounted rate to drivers who clock lower miles.
What about Progressive rates by coverage level?
Coverage Level | Annual Average Premiums |
---|---|
Low | $3,737.13 |
Medium | $4,018.46 |
High | $4,350.96 |
As an auto owner, you have the right to choose as much coverage as you want. If you’re comfortable with the state minimum required coverage, you can just buy that from Progressive.
Auto insurance rates tend to be considerably low when you buy the minimum coverage or coverage with lower policy limits.
Do note that lower coverage can also mean more exposure to risk. If you have significant assets to protect, it’s recommended that you buy a high level of coverage.
What are Progressive rates by credit history?
Another factor that’s controversial and has received a lot of flak for influencing auto insurance rates is the credit history of auto owners. Most insurers punish people with poor credit scores.
Some states (California, Massachusetts, and Hawaii) have been successful in prohibiting insurers to use credit history for calculating rates, but the large majority of the states still use credit scores.
Credit History | Average Annual Premiums |
---|---|
Poor | $4,737.64 |
Fair | $3,956.31 |
Good | $3,628.85 |
For those with poor credit scores, the rates charged by Progressive are much higher than if you had a good or fair score.
As per the research conducted by Consumer Reports, single drivers with good scores pay an additional $68 to $526 annually over what’s charged from drives with the best scores in their state.
What are Progressive rates by driving record?
Your driving history plays a major role in determining your auto insurance rates because if you’re a bad driver, you’re bad news for any insurance provider.
Specifically, at Progressive, an accident record can raise your rates considerably.
Driving Record | Average Annual Premiums |
---|---|
Clean record | $3,393.09 |
With 1 accident | $4,777.04 |
With 1 DUI | $3,969.65 |
With 1 speeding violation | $4,002.28 |
Progressive even mentions on its website that an at-fault accident may lead to a spike in your rates by 41% on average.
But, for incidents that are out of your control and where the claim amount is lower than $500, Progressive offers accident forgiveness to its customers.
What are coverages offered by Progressive?
Progressive is famously known for its unique focus on auto insurance. That’s how they started and progressed to offer coverage for all types of motor vehicles.
But, what are the coverage options offered by Progressive within auto insurance? Let’s take a look.
- Liability: When you’re at fault, you are responsible to cover the damages of the third party if you live in an at-fault state which can be covered by liability insurance. Also, liability coverage is mandatory in most states.
- Comprehensive: Certain events are out of your control such as fire, theft, thunderstorms, or any other acts of nature. Comprehensive insurance protects you from these damages.
- Collision: While driving, you might hit a tree or pavement and with collision insurance, you can pay off the damages to your vehicle.
- Uninsured/Underinsured Motorist: Despite the law for mandatory coverage, some auto owners choose to drive without insurance. UM/UIM immediately settles your damages if you get hit by an uninsured or underinsured driver.
- Medical Payments: This coverage provides for your or any of your passenger’s medical expenses in an accident irrespective of fault.
Apart from these basic coverage options, Progressive also offers a couple of additional coverages.
- Roadside Assistance: This would cover the cost of towing your car to the closest repair facility or to your preferred shop if it’s within 15 miles of your location. Other assistance offered includes tire changes, fuel delivery, and lock-out service.
- Loan/lease Payoff: This is for those drivers who either lease or finance their car. It covers the gap between your car’s value and what you owe.
- Rental Car Reimbursement: Progressive also pays the rental car fee up to your policy limits if your car is in a body shop getting repaired.
- Custom Parts and Equipment Value: Anything that you get installed in your car is covered by the CPE coverage such as a stereo or navigation system.
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What are the bundling options at Progressive?
Bundling two or three policies can save you a lot of money. Bundling is basically an option offered by insurance providers to encourage consumers to buy all their policies from them.
At Progressive, you will receive multi-policy discounts when you buy more than one policy from them. Here are some bundling options that you can find at Progressive.
- Auto and home insurance
- Auto and renters insurance
- Motorcycle and boat
- Boat and RV
Bundling options at Progressive aren’t limited to only those combinations – if you have two or more products with them, you will get discounts.
Are there discounts at Progressive?
When you seek a quote through the Progressive website, you will be asked many questions that help their system calculate the discounts you’re eligible for.
When people switch to Progressive, they save close to $699 annually in auto insurance premiums. Let’s look at all the options you have to save money at Progressive.
Discount Name | Average Discount | Details |
---|---|---|
Automatic Payment | Varies | If you set up automatic payments from a checking account to pay for your policy (you cannot combine the automatic payment and pay in full discounts) |
Continuous Insurance | Varies | If you switch to Progressive from another insurer, you won't lose any longevity benefits (the discount value will depend on how long you've been consistently insured with no gaps or cancellations) |
Good Student | Varies | If you have a student on your policy who maintains a "B" average or better (this discount also applies to college students, students that are more than 100 miles from your residence, or if the student is 22-years old, or younger) |
Homeowner | Nearly 10% | If you own a home (even if it is not insured through Progressive's network) |
Multi-Car | 12% | If you have more than one vehicle listed on your policy |
Multi-Policy | 5% | If you have two or more policies with Progressive (for example: if you were to have both an auto and homeowners policy with Progressive) |
Online Quote | 4% | If you get your policy quote online (or if you start your quote online and a licensed Progressive representative finishes it for you over the phone) |
Paperless | Varies | If you opt to receive your documents via email (dependent on signing your documents online, and is an addition to the sign online discount) |
Pay in Full | Varies | If you pay for your six month policy in advance before they become due |
Safe Driver | 31% | If you have had no accidents/traffic violations in the past three years |
Sign Online | Nearly 8.5% | If you sign your documents online |
Snapshot Program | $145 | The Snapshot program personalizes your rate based on your driving behavior |
Teen Driver | Varies | If you're adding a teen driver to your policy |
What programs are offered by Progressive?
Other than offering the required coverage, Progressive also offers programs for auto owners to help them through specific situations or to reward them for their good driving behavior.
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What about usage-based insurance?
If you’re a good driver who takes special care while braking or accelerating hard, you can benefit from Progressive’s usage-based insurance program – Snapshot.
Progressive claims that it has helped people save almost $700 million through discounts on auto premiums when they used the Snapshot program.
Snapshot tracks your driving pattern to assess whether you’re a safe driver and applies a discount accordingly.
But, how does Snapshot work?
- Enrolling: You can enroll in the Snapshot program by either choosing the Snapshot mobile app or plug-in device which will be sent to you by mail.
- Drive: Your driving behavior will be recorded for a certain period, usually for the first policy period i.e. six months.
- Progress: After six months of enrollment, your rates would be recalculated and discounts applied, if eligible.
If you’re thinking about what exactly will be tracked about your driving, here’s what Progressive looks at:
- Try to limit hard braking and accelerations as much as possible.
- On weekends, avoid driving between the hours of midnight to 4 am because it’s dangerous during that time.
- Lower miles can mean more discounts.
- This one goes without saying but fight the temptation to use your cellphone while driving.
Are there any coupons?
If you’re a Progressive customer, you can save money through their coupons as well. Known as the PerkShare program, you can get the following benefits.
- You can save on Marathon Fuel gift cards
- Get a special discount at Enterprise car rental
- Get discounts on an oil change at NTB
- Get a 20% discount on rentals at National car rental
- Along with everyday low prices, you get an extra discount at Alamo car rental
- Enjoy a 10% discount at Enterprise truck rental
- Get a 15% discount on AutoCheck reports
Apart from these perks, you can also enjoy discounts on many outdoor, travel, and lifestyle offerings.
How does accident forgiveness at Progressive work?
Most of the insurance companies increase your rates if you get involved in an accident – Progressive raises rates by an average of 41% if you cause an accident.
But Progressive also offers accident forgiveness under specific circumstances.
- For at-fault accidents, your rates will almost always be raised except under certain conditions when the damages are less than a specific amount. Insurance companies usually bring back your rates to the normal level after a few years.
- For accidents that weren’t your fault, your rates might be increased in some states. But, the spike isn’t as high as in an at-fault accident.
- For accidents beyond your control, such as thefts or thunderstorms, insurers could increase your rates and these claims stay on your record usually for three years. At Progressive, your rates wouldn’t be raised if your claim value is lower than $500 except when you file a claim multiple times.
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What stands out?
Progressive’s unique focus on the auto insurance segment gives it an edge over others. The company is well-positioned and experienced to handle motor vehicle crash claims of almost all kinds because that’s what they have always settled.
If you have anything that can be driven around, Progressive has coverage for you. Whether it’s your snowmobile or travel trailer – you can explore options at Progressive.
Progressive is also quite an innovative insurer and keeps introducing new solutions to help consumers.
- The Name Your Price tool is absolute bliss for auto owners who are looking to find coverage within a lower budget. You just have to fill in the basic details, quote a price you’re comfortable with paying, and the tool will generate coverage options accordingly.
- Progressive Google Action is a step by the insurer to help consumers with their insurance coverage questions. Progressive was the first company to team up with Google’s voice assistant technology to engage consumers with their questions related to buying cars, care tips, smart home technology, or moving.
What’s missing?
When it comes to customer reviews, Progressive hasn’t received a lot of positive responses.
In the BBB rating, it was reported that Progressive had a few unresolved complaints and in the JD Power survey also the company got about average reviews.
Is there a cancellation fee?
Since this guide includes everything about Progressive auto insurance, we want to cover the process of how to cancel your policy with the insurer. Because your needs might change or you may sell-off your car, so you should be aware of the cancellation process.
If you cancel your policy in between a billing cycle, you will get refunds for your unused premiums. However, the company might charge an early cancellation fee which you must confirm with your agent before making the decision.
Normally, the cancellation fee tends to be around 10% of your outstanding premiums.
How can you cancel?
Make sure first that you have bought another policy for your car before you cancel your Progressive coverage. Any gaps in insurance can raise your rates no matter how small the gap is.
So once you have made arrangements for another policy to kick in, you can call Progressive customer care at 1-800-776-4737 to cancel your policy. It’s just as simple as that.
You can also cancel your policy online if you live in a state that allows online cancellation. However, most of the time insurance providers don’t allow customers to cancel their policies online.
When can you cancel your policy?
You can cancel your policy anytime you feel like it, but don’t stop paying the premiums until it’s still in effect. If you don’t pay your premiums, it might raise your rates in the future.
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How can you make a claim?
You should know about the process to file a claim in case you might get involved in an accident. Filing a claim at Progressive is simple and if you know about the right steps to take you wouldn’t feel stressed after an accident.
What is the ease of making a claim?
Progressive is well-known for its fast claims process and the company assists you from the moment you file the first notice of loss to the settlement day.
Here’s how you can report a claim at Progressive:
- As soon as you can, call Progressive at 1-800-776-4737 or just log in to your account to report the accident.
- You will get a call from a Progressive representative who will explain everything to you and schedule a vehicle inspection for you.
- After the inspection, an estimate of the damages would be provided to you.
- Progressive helps consumers with the repair and towing of their vehicles if they need that service.
- While your car is getting repaired, Progressive will keep sending you notifications about the repair status, additional damages if any, and the expected completion date.
- You can also use one of their network repair shops to get your car repaired.
Everything about your claims process will be posted in your account and you can check the claim status anytime by logging into your account.
What are the premiums written and loss ratio?
Year | Direct Premiums Written | Loss Ratio | Market Share |
---|---|---|---|
2015 | $16 billion | 64.23% | 8.7% |
2016 | $19 billion | 66.74% | 9.15% |
2017 | $22 billion | 63.32% | 9.84% |
2018 | $27 billion | 62% | 10.97% |
Progressive is increasingly writing more insurance policies over the years which is evident from the rise in direct written premiums.
When it comes to the company’s loss ratio, it has witnessed a downfall from 2015 to 2018.
A loss ratio is an indicator of what percentage of premiums an insurer is paying out in claims. If the loss ratio is 70%, it means that an insurer has paid out $70 in claims out of the $100 earned in premiums.
If an insurer has a high loss ratio it means that the insurance company might not be making any profit which isn’t an ideal situation in terms of financial strength.
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How can you get an online quote?
Buying auto insurance anyway involves a lot of research and thinking, getting a quote should be smooth. Let’s see how you can get an online quote with Progressive.
What if you are seeking an auto insurance quote?
You will see many options on the auto insurance quote page of Progressive’s website.
You can choose the product for which you need coverage, find bundling options, continue a previous quote, or find an agent near you.
What about personal details?
Once you enter the basic details like zip code and select the option to get a quote, you will be directed to a page where you will have to enter some personal details – name, birthdate, and mailing address.
You will also see the familiar brand mascot, Flo, on this page.
What about vehicle details?
After you select the option to start your quote, you will be asked for your vehicle details.
You will need to fill in a lot of details in this section to get the right coverage for your make and model.
On this page, you will be asked for – your car’s body type, primary use, primary zip location, whether you own or lease it, and alarm system. You can even add other vehicles to your home if you’re thinking of bundling.
After this step, you will be asked questions about your driving history and residency.
If you’re married, you will be asked for details about your spouse in the next step. Similarly, if you have had any accidents in the past, you will have to enter the details of the incident along with the date.
Once you have confirmed the details about your spouse and any other adult who will be driving your car, you will have to choose the car’s primary driver. This helps an insurer assess the risk associated with insurance coverage.
What about insurance history?
As you know that Progressive offers longevity discounts and continuous insurance means that you can get cheaper rates, you will be asked about your insurance history as well.
Are there more savings?
All these steps in the online quote process are meant to get you the best discounts available, so before disclosing your rates you will be asked to join their Snapshot program.
What about the final quote?
You will get the final quote with all the details about your coverage and options to edit policy limits/deductibles.
You will get three options to choose from – basic, choice, and recommended. Each option has higher policy limits than the previous option with the basic policy just offering the state minimum required limits.
On this page, you would also be able to see the Name Your Price tool and you can enter the amount you can pay. The system will adjust policy limits and deductibles to offer you coverage within your budget, if possible.
How is Progressive’s website/ mobile app designed?
Progressive’s website is quite intuitive and easy to use for anyone. If you’re browsing their website for the first time, you will see options on the home page to start a quote.
But, if you’re returning to their website, their homepage looks different.
So you get the option to pull up your old quote or start a new one.
When you scroll down a bit on the home page, you will also see their knowledge section where you can learn more about their products.
Progressive customers also have the option to download the Progressive app on their Apple or Android phones.
Having the Progressive mobile app will make your life quite easy. Here’s what you can do with the app.
- View coverages, policy details, and, ID cards
- Report a claim after an accident
- Pay your monthly/annual premiums
- Make any changes to your policy
- Request roadside assistance if you’re stuck somewhere
Progressive’s app is rated 4.3 out of 5 on the Android store on the basis of reviews from around 30,000 customers. On the apple store, it’s rated 3.4 out of 5.
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What are the pros and cons?
Now that you have absorbed a ton of information about Progressive, let’s see the key takeaways from our analysis.
Pros | Cons |
---|---|
24/7/365 Support | High rates for poor driving history |
"Name Your Price" option to help you buy policy you can actually afford | Not as many discounts as other competitors |
Comparable rates despite commute distance in most states | Rates higher than state average in several states |
Loss ratio is stable | Mobile app ratings spotty based on customer experience |
Numerous discounts to help drivers offset cost of insurance | High rates for poor credit history |
One of the only insurers who offers pet protection | Financial strength ratings not as high as other insurers |
Reputation of helping high-risk drivers | Teen driver rates higher than other insurers |
Snapshot program to personalize your rate as per your driving behavior | Supplemental Coverage options harder to find |
What’s the bottom line?
Though Progressive lacks positive customer reviews, it has been in the auto insurance business for long now and has always focused on offering motor vehicle insurance.
While you should look at consumer reviews, you must also consider other factors that are important to you – for instance, coverage options or rates.
Progressive can be a good option for those looking for stable rates and a multitude of coverage options.
What kind of insurance does Progressive offer?
Progressive offers coverage for anything with wheels such as auto, RV, trailer, boat, motorcycle, etc. It also offers homeowners, condo, and renters insurance through its affiliates.
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How can you check the details of your Progressive insurance policy?
You can log in to your account and go to the documents section to see your ID card and other insurance documents. You can also view, download, and fax the documents from here.
How can you contact Progressive to make changes or cancel your policy?
You can call Progressive customer care at 1-800-776-4737 to make any changes or cancel your policy. Alternatively, you can log in to the app for these actions.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.