Progressive, one of the largest auto insurers in the United States, provides a wide range of coverage options. The company offers 15 different coverage types, including liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, personal injury protection, loan or lease payoff, rental car reimbursement, auto roadside assistance, trip interruption, vehicle protection, custom parts and equipment, rideshare coverage, Deductible Savings Bank, and pet injury coverage.
Progressive's average monthly cost for full coverage is $205, which is $15 above the national average. The average monthly cost for basic coverage is $122, $9 above the national average. According to J.D. Power surveys, Progressive scored below average in customer satisfaction across all U.S. regions and scored 25 points below the industry average in auto claims satisfaction.
The company offers three types of accident forgiveness. Small Accident Forgiveness comes standard for new customers in most states and prevents rate increases after a first claim of $500 or less. Large Accident Forgiveness is part of the Loyalty Rewards program for customers with at least five years of tenure and three accident-free years. Additional Accident Forgiveness can be purchased and applies once per policy period.
Progressive's roadside assistance includes 24/7 towing within a 15-mile radius, jump-starts, flat tire help, fuel delivery, and lock-out assistance. Trip interruption coverage is available for those with roadside assistance, providing up to $500 for food, lodging, or transportation if stranded at least 100 miles from home.
The insurer offers 14 discounts, including multi-policy, multi-car, continuous insurance, teen driver, good student, distant student, homeowner, online quote, sign online, paperless, pay in full, automatic payment, and safe driver discounts. The safe driver discount can reduce premiums by 34% for drivers with no tickets or accidents in the past three years.
Claims can be filed online, through the mobile app, or by phone. Progressive typically processes payments within seven to 14 days. The company's mobile app has ratings of 4.8 out of 5 stars on the App Store and 4.6 out of 5 stars on Google Play Store.
Progressive has an A.M. Best rating of A+ Superior and a three-year average complaint index lower than the national average. The company does not offer new car replacement coverage. Policies can be purchased directly online or through the mobile app without an agent.