Is Progressive good car insurance?

Progressive is a strong fit if you want to quote, buy, and manage a policy online and plan to work through its discount list. If claim-time service matters more to you than price or self-service tools, compare it against a carrier built around agent relationships before you commit.

Is the Progressive car insurance company financially stable?

Progressive is one of the largest auto insurers in the country, ending 2025 with 38.6 million policies in force, up 10% year over year, according to Progressive's 2025 annual report . That scale doesn't tell you how your specific claim will be handled, but an insurer with that much business isn't a fringe operator.

How do I compare a Progressive quote against what I have now?

Match your current liability limits and deductibles exactly before you compare prices, otherwise the numbers mean nothing. Confirm which discounts actually applied to your quote, compare against two or three other carriers, and if you switch, start the new policy before cancelling the old one so coverage doesn't lapse.

Progressive Car Insurance Review: Is It Right for You?

Q: Is Progressive available in my state?

Yes. Progressive sells auto insurance in all 50 states and Washington, D.C. Specific coverages and discount eligibility can still vary by state, so check your own quote's declarations page for what's actually offered where you live.

Q: What discounts does Progressive offer?

Progressive lists 13 discounts, and most fall into four groups: how you buy (online quote, sign online, paperless, pay in full, automatic payment), who's on the policy (teen driver, good student, distant student), what you bundle or own (multi-policy, multi-car, homeowner), and your driving history (continuous coverage, Snapshot). Five of them depend entirely on how you complete the quote, not who you are, which means you can qualify for those in the time it takes to finish the form.

Q: Should I sign up for Progressive Snapshot?

Only if you're confident about your actual driving habits, not just your opinion of them. Snapshot is a usage-based program that prices your policy using recorded driving data rather than profile factors alone, so read the program terms for your state before enrolling and ask whether it can move your rate in either direction.

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What to Know

Progressive can be a smart choice for drivers who want to manage their policy online, qualify for several discounts and/or need specialty coverage like rideshare or gap insurance. Compare it against carriers you've vetted for claims before switching.

Discounts: 13
Online Quotes
Online Policy Purchase

Available in all 50 states and D.C.

Why We Like Progressive

Progressive suits drivers who prefer to get a quote, buy a policy and file claims online. It sells in all 50 states and Washington, D.C. Its 13 discounts and optional coverages, such as rideshare, gap insurance, and custom parts and equipment, give households room to shape a policy around their unique situation.

Pros and Cons

Pros

Available in all 50 states and D.C.
Offers rideshare coverage
Offers gap insurance

Cons

Not as many discounts as top competitors

Solvable's Take on Progressive Car Insurance

Progressive is a reasonable fit if:

You'd rather get a quote, buy and file claims online than call an agent.
You drive for a rideshare app and need coverage for that time.
You owe more on a financed or leased car than it's worth.
You've added aftermarket parts to your vehicle.

Look harder before switching if:

You want a dedicated local agent who knows your file.
You don't want an app or device recording your driving.
How you're treated after an accident matters more than your premium payment.

Two other carriers are worth a look for specific readers. State Farm is our pick for young drivers, which is relevant if you're pricing a teen's first policy. Amica is our pick for customer satisfaction, which makes it a natural comparison if service is your deciding factor.

The table below matches common situations to what Progressive offers and what to confirm on your own quote.

Your situation	Why Progressive may fit	What to check first
Prefer managing everything online	Online quotes, purchase and claim filing	Whether you can reach a person easily when you need one
Adding a teen or college-student driver	Teen driver, good student and distant student discounts	Which student discounts your quote applied
Drive for a rideshare app	Rideshare coverage available as an add-on	When the rideshare coverage starts and stops during app use
Financed or leased car	Gap insurance offered	Whether your lender or lease already includes gap coverage
Want a dedicated agent and claim-time service first	Large, well-funded insurer	How claims are assigned and handled in your state

Progressive Car Insurance Discounts

Progressive lists 13 discounts. Five depend on how you buy, and the rest depend on your household, your other policies or your driving history.

Multi-policy
Continuous coverage
Teen driver
Good student
Snapshot safe driver
Distant student
Homeowner discount
Multi-car
Online quote discount
Sign online discount
Paperless
Pay in full
Automatic payment

How you qualify	Progressive discounts	What to do while quoting
How you buy	Online quote, sign online, paperless, pay in full, automatic payment	Quote and sign online, choose paperless and autopay
Who's on the policy	Teen driver, good student, distant student, multi-car	List every household driver and vehicle
What you bundle or own	Multi-policy, homeowner	Mention a home you own and policies you'd bundle
Your history and driving	Continuous coverage, Snapshot safe driver	Have proof of current coverage ready; decide on Snapshot separately

Progressive Car Insurance Coverage

Progressive auto insurance includes the four core coverages most drivers ask about: liability, collision, comprehensive and gap insurance. It also offers eight optional coverages, including rideshare, roadside assistance and custom parts. Availability and limits vary by state.

Liability

Liability pays for injuries and property damage you cause to others. Most states set a legal minimum.

Collision

Collision pays for repairs to your car after a crash, minus your deductible.

Comprehensive

Comprehensive covers theft, weather, fire, vandalism and animal strikes.

Gap Insurance

Gap insurance pays the difference between your loan balance and the car's value after a total loss.

Rideshare Coverage

Rideshare coverage fills gaps between your personal policy and the app's coverage while you drive for a rideshare service.

Custom Parts and Equipment

Custom parts and equipment coverage pays for aftermarket parts like wheels, stereos or lift kits.

Progressive's other options are medical payments coverage (MedPay), personal injury protection (PIP), uninsured/underinsured motorist coverage, rental reimbursement, roadside assistance and a Vehicle Protection Plan. PIP and MedPay depend heavily on your state's rules, so ask which one applies before adding either.

Snapshot: What you trade for a possible discount

Snapshot is Progressive's usage-based program, listed among its discounts as a safe-driver option. The system collects your driving data, which helps Progressive set your price.

Before you opt in, read Progressive's Snapshot program details for your state and ask directly whether participation can raise your rate where you live, not just lower it.

Is Progressive the right choice for you?

Progressive suits drivers who want to run their policy online and are willing to work through the discount list. If you're interested in switching to Progressive, we recommend getting a quote with the same limits and deductibles you have now. Read the Snapshot terms for your state before enrolling. Ask how claims work in your state. Then compare at least two other carriers before deciding.

Frequently Asked Questions

Is Progressive available in my state?

Progressive sells auto insurance in all 50 states and Washington, D.C.

What does Progressive auto insurance cover?

Progressive auto insurance includes four core coverages: liability, collision, comprehensive, and gap insurance. It also offers eight optional coverages, including MedPay, uninsured/underinsured motorist, PIP, rental reimbursement, roadside assistance, rideshare coverage, the Vehicle Protection Plan, and custom parts and equipment coverage.

What discounts does Progressive offer?

Progressive lists 13 discounts, and they fall into four groups: how you buy (online quote, sign online, paperless, pay in full, automatic payment), who's on the policy (teen driver, good student, distant student, multi-car), what you bundle or own (multi-policy, homeowner), and your driving history (continuous coverage, Snapshot).

Should I sign up for Progressive Snapshot?

Snapshot is a usage-based program that uses recorded driving data alongside your profile to set your price, so read the program terms for your state before enrolling and ask whether it can move your rate up or down.

Can I file a Progressive claim online?

Yes. Progressive supports online quotes, online policy purchase, and online claim filing, so the entire process from shopping to reporting a claim can happen without a phone call if that's what you prefer.