When it comes to auto, home, and life insurance, Progressive is a household name. Whether you’ve seen their iconic “Flo” commercials or heard about their competitive rates for high-risk drivers, there’s no denying that Progressive plays a major role in the insurance market. But does it live up to the hype in 2025?
We’re diving deep into Progressive Insurance’s pros, cons, coverage options, rates, and customer experiences to help you determine whether this insurer is the right fit for you.
🚗 Progressive Auto Insurance Review
Progressive is best known for its auto insurance, particularly for high-risk drivers who may struggle to find affordable rates elsewhere. Offering a suite of digital tools and customizable policies, the company provides a mix of affordability and convenience.
🔥 What’s New with Progressive in 2025?
- Scaling back advertising in states like Texas, New York, and California due to inflation and increased risk.
- Non-renewing homeowners policies in Florida due to weather-related risks.
- Stricter roof requirements in Florida, mandating shingle roofs be under 16 years old.
- Stopped offering coverage for some Kia and Hyundai vehicles due to rising theft rates.
✅ Progressive Auto Insurance Pros
✔️ Great for high-risk drivers – One of the most affordable options for drivers with DUIs, speeding tickets, or at-fault accidents.
✔️ Customizable policies – Add-ons like rideshare insurance, custom parts & equipment coverage, and gap insurance.
✔️ Snapshot telematics program – Get potential discounts for safe driving habits.
✔️ SR-22 filings – If required by your state, Progressive offers competitive SR-22 rates.
❌ Progressive Auto Insurance Cons
❌ Mixed customer service reviews – Below-average satisfaction scores in J.D. Power’s claims satisfaction survey.
❌ Rates can fluctuate – Progressive’s pricing structure sometimes results in higher renewal rates.
❌ Varied online vs. agent pricing – Some users report getting different quotes from agents vs. online.
🚀 Progressive Auto Insurance Rates (2025)
If you’re price-sensitive, Progressive might be cheaper than the national average depending on your profile.
| Driver Profile | Progressive Annual Premium | National Average |
|---|---|---|
| Good driver, good credit | $2,388 | $2,638 |
| Good driver, poor credit | $4,086 | $4,644 |
| Speeding ticket | $3,051 | $3,204 |
| At-fault accident | $3,586 | $3,774 |
| DUI conviction | $3,317 | $5,106 |
💡 Key takeaway: Progressive is one of the most affordable options for high-risk drivers but may not always be the cheapest for low-risk individuals.
📊 How Progressive Compares to Other Auto Insurers
| Company | Avg. Full Coverage Premium | Avg. Minimum Coverage Premium |
|---|---|---|
| Progressive | $2,388 | $711 |
| State Farm | $2,887 | $911 |
| Allstate | $3,297 | $917 |
| USAA (military only) | $1,897 | $604 |
| Nationwide | $2,035 | $745 |
👉 Compare auto insurance quotes from multiple providers before committing.
🏡 Progressive Home Insurance Review
Unlike its auto insurance, Progressive’s home insurance doesn’t always rank as highly. While it offers basic coverage and a convenient bundling option, its home policies lack customization and have mixed customer satisfaction scores.
✅ Progressive Home Insurance Pros
✔️ Bundling discounts – Save when bundling home & auto policies.
✔️ Local agents available – Get in-person support if needed.
✔️ HomeQuote Explorer – Compare quotes from multiple home insurers.
❌ Progressive Home Insurance Cons
❌ Limited policy customization – Fewer endorsements compared to competitors.
❌ Higher-than-average complaints – The NAIC Complaint Index suggests more grievances than industry standards.
🏠 Progressive Home Insurance Cost (2025)
| Dwelling Coverage Limit | Progressive Annual Premium | National Average |
|---|---|---|
| $150,000 | $1,504 | $1,344 |
| $300,000 | $2,347 | $2,181 |
| $450,000 | $3,106 | $2,934 |
| $750,000 | $4,686 | $4,189 |
💡 Key takeaway: Progressive’s home insurance isn’t the most competitive—State Farm and USAA offer cheaper rates.
👉 Compare home insurance quotes for the best deal.
🏥 Progressive Life Insurance Review
Unlike its auto and home policies, Progressive doesn’t underwrite its own life insurance. Instead, it partners with third-party providers like eFinancial, LLC to offer term, whole, universal, and final expense insurance.
✅ Progressive Life Insurance Pros
✔️ Multiple coverage types – Term, whole, universal, and burial insurance available.
✔️ No-medical-exam options – Some policies allow instant approval without an exam.
❌ Progressive Life Insurance Cons
❌ Underwritten by third parties – Customer service varies depending on the provider.
❌ You may not work directly with Progressive – Once issued, most policies are managed by a different insurer.
👉 Compare life insurance providers for a better match.
📢 What Are Customers Saying?
Looking beyond official ratings, real customer feedback on Reddit and Quora paints a mixed picture.
👤 Reddit User (Nov 2019)
“I’ve had Progressive for almost 10 years. Claims were handled efficiently, but I haven’t had a major loss yet.”
👤 Quora User (Apr 2023)
“At only $174 a month, Progressive was the cheapest insurer by about $130 over Geico and Farmers.”
👤 Reddit User (Dec 2023)
“They’re great—until you have an accident. Even if you’re not at fault, rates go up.”
💡 Key takeaway: Progressive shines on pricing and digital tools, but claims and customer service could use improvement.
🏆 Is Progressive the Right Choice in 2025?
✅ Best for:
✔️ High-risk drivers (DUIs, speeding tickets, accidents)
✔️ People who prefer digital tools for policy management
✔️ Shoppers looking for affordable SR-22 insurance
❌ Not ideal for:
❌ Home insurance shoppers looking for robust coverage
❌ People who prioritize top-tier claims satisfaction
❌ Drivers who don’t want rate fluctuations
If affordable auto insurance and strong digital tools are what you need, Progressive is a solid option. However, if customer service and claims experience matter more, you may want to explore top-rated alternatives like USAA or State Farm.
🔎 Final thought: Get quotes from multiple providers to find the best rates and coverage for your needs.