One of our top picks for most drivers in the United States, Progressive is a premiere auto insurance company with excellent coverage options and highly competitive pricing with many options to earn discounts. They also cover much more than cars, which can lead to even more savings if you bundle your other insurance with car insurance from Progressive. Rating Breakdown Overall: 4.8 Price: 5.0 Customer Service: 4.1 Coverage Options: 4.8 Overview Progressive is the third-largest car insurance provider in the U.S., with a market share of about 10 percent as of 2019, as well as one of the oldest, having been founded in 1937. The company provides insurance in all 50 states as well as the District of Columbia, and offers coverage options across a similarly wide range of products, from motorcycles and boats to homes and commercial vehicles. For most drivers in the U.S., Progressive is a convenient, reliable, and affordable option, particularly if you take advantage of their many discount opportunities. Like its top competitors, Progressive offers all the usual insurance choices you’d expect from one of the nation’s leading providers, including car, boat, motorcycle, and RV, among many others. Coverage offerings may vary from state to state, but most customers will be able to choose from a variety of insurance levels, from basic auto liability to comprehensive and collision protection. Progressive also offers some typical add-on options, such as roadside assistance and rental car reimbursement, but also some fairly nonconventional ones, such as rideshare coverage, which extends your auto insurance while traveling with Uber or Lyft (though this is dependent on location). One area where Progressive stands out from other large companies like Allstate and Geico is in its discount offerings, which gives customers an additional chance to save beyond its already competitive pricing. There are loyalty-based discounts, including multi-policy and multi-car options, as well as driver-based discounts, such as teen driver, good student, and homeowner, which delivers a 10 percent savings to anyone who owns a home, even if it’s not insured through Progressive. For careful drivers, one of the most useful discounts in this category is the Snapshot, a free-opt in program that keeps track of your driving habits and adjusts your rate accordingly. If you’re looking to keep your insurance coverage all in one place, Progressive also offers bundled discounts for customers with multiple policies. You can combine any two or more plans — such as for motorcycles and cars, RVs and motorcycles, or cars and renters insurance– and save that way, but one of the biggest discounts is applied to customers who carry both auto and homeowners insurance with the company. Also, as made famous by its long-running commercials, Progressive is home to its signature “Name Your Price Tool” — an online feature that allows you to input your preferred rate and then receive a range of options that fit your budget. In fact, Progressive’s online portals — such as its website, which is clean and intuitive, and its smartphone app, which is also well-designed — both make navigating all of these options easier to do than is the case with most of its competitors. And that’s important, because unlike some of those competitors, the company has no brick and mortar stores. In general, Progressive’s customer service is as well as can be expected with a company of this size, and its claim satisfaction rating is just slightly below the industry average — it earned a score of 856 on J.D. Power’s 2019 Auto Claims Satisfaction Study, behind other large providers like Geico but ahead of ones like Allstate. Overall, though, Progressive is a great option for anyone looking for a reliable insurance provider with a long-standing track record of success in the industry — and particularly for anyone looking for an affordable provider, since Progressive offers more opportunities to save than many other large companies in the game. Coverage Options General coverage options: Liability — covers typical actions you might be liable for as a driver, including bodily injury and property damage. Comprehensive — covers weather, theft, vandalism and other events beyond your control. A deductible usually applies. Collision — covers damage to your car resulting from an accident, regardless of fault. Uninsured/underinsured bodily injury — covers your injuries if someone else hits you and can’t pay. Uninsured/underinsured motorist property damage — covering vehicle damage if someone else hits you and can’t pay. Medical payments — covers injuries, funeral expenses, and other costs to you and other family members involved in an accident. Extra coverage and benefits Roadside assistance — pays for towing service if your car breaks down on the road Loan/lease payoff — covers the difference between what you owe on your vehicle and its actual value (up to 25%). Also known as gap insurance. Rental car reimbursement — pays for a car rental when your vehicle is in a covered accident Custom parts and equipment — covers items that you add on to your car, like a stereo, navigation system, custom wheels, or even a paint job Rideshare coverage — covers you when you’re logged into a ridesharing app like Uber or Lyft and waiting for a trip request/customer. Deductible savings bank — subtracts $50 from your collision and comprehensive deductible for every six-month, claim-free policy period. Discount Opportunities Multi-policy Multi-car Continuous insurance Snapshot: Discounts for good drivers Teen driver Good student Distant student discount Homeowner Other Insurance Options Progressive also offers a host of other insurance plans, including for vehicles, property, and personal needs. Customers can purchase protection for their boat, RV, or motorcycle; for their apartment, condo, or mobile home, or get flood insurance for any of their properties. The company also offers plans for dental, pets, travel, and weddings, or for their business or commercial vehicle. The wide variety of coverage options, when paired with bundling discounts, makes Progressive an especially smart choice for customers looking to get the most out of their insurance. Customers get a discount — an average of $1,029 a year, according to the company — on their auto policy if they also insure their homes or condos with Progressive, or if they have renters insurance. The company also has a multi-policy discount for any combination of two or more plans, resulting in even more potential savings for those who own more than one vehicle.