How To Use Progressive Insurance Customer Service

The state's third-largest auto insurance visitor, Progressive offers insurance for merely about anything with a motor. Progressive offers a lengthy slate of discounts and a wide range of coverage, including rideshare insurance and coverage for pets injured in a motorcar blow.

Progressive auto insurance coverage

When y'all're shopping for machine insurance, it's important to understand what automobile insurance coverage you want and what you're required to purchase. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you desire actress protection, you may be interested in full coverage insurance . Full coverage isn't a specific policy type; it'south a combination of coverage types, similar liability, collision and comprehensive insurance.

Check out the most mutual types of car insurance coverage below to meet how they work:

Coverage type	What it pays for	Required?
Bodily injury and holding damage liability	Costs for injuries, deaths or property harm from an accident you acquired.	Typically required.
Uninsured or underinsured motorist coverage	Medical and property harm costs after an accident with a driver who has insufficient insurance or none at all.	Often required.
Collision coverage	Repair expenses from traffic-related accidents, regardless of who's at fault.	A machine loan or charter may require it.
Comprehensive coverage	Repair costs from events outside of your command, including weather events, hitting an beast while driving, theft and vandalism.	A machine loan or lease may require it.

Depending on your state, you might be able to add these types of coverage to your policy:

Gap insurance: Under this coverage, Progressive pays up to 25% above the value of your machine if information technology's totaled, to cover a loan or lease balance. You must purchase both comprehensive and collision coverage to buy gap insurance from Progressive.
Custom parts and equipment value: Pays to fix or supplant custom accessories you lot add to your motorcar, upwards to $5,000.
Pet injury insurance: Included if you purchase collision coverage. It pays veterinary bills if your pet is injured in a car accident.
Deductible savings bank: If you take comprehensive and collision coverage, you tin can opt in to this program that reduces your deductibles past $50 every vi months you're claim-free, all the way down to $0.
Rideshare insurance: Bachelor from Progressive in some states. Typical insurance from ridesharing companies covers only the period between accepting a ride and dropping off a customer. This addition insurance expands your personal car policy whatsoever time you have the app on, then you're covered fifty-fifty betwixt rides.

Progressive offers two types of accident forgiveness:

Pocket-size accident forgiveness: The company won't heighten your premium for claims upwards to $500.
Large blow forgiveness: If you've been insured with Progressive for at to the lowest degree v years and accident-gratis for at least 3, the company won't raise your rate even for a big accident claim.

See what y'all could save on auto insurance

Easily compare personalized rates to see how much switching car insurance could salvage you lot.

Auto insurance discounts

Progressive's automobile insurance discounts include:

Multipolicy discount.
Multicar discount.
Discount for continuous auto insurance, even if it was with another company
Disbelieve for calculation a teen commuter.
Good student discount.
Distant student discount.
Discount if you become an online quote for car insurance.
Discount for signing your policy documents online.
Paperless discount.
Disbelieve for paying your six-month policy upfront.
Discount for setting up automatic payments from a checking account.
Discount for owning a abode.

Pricing based on tracked driving habits

Snapshot is a free opt-in program that collects information on your driving habits, including speed, how much yous drive and when you drive. Progressive uses the information to accommodate your insurance rates up or down adjacent time yous renew, and y'all become an automatic discount for signing up (this discount is non bachelor to policyholders in Alaska, Hawaii or New York). Data is nerveless from either a device y'all plug in to your vehicle or a mobile app.

How much is Progressive insurance?

A policy with total coverage insurance costs $1,739 on average per year from Progressive. But that'due south if yous have expert credit and a clean driving history without whatsoever accidents or other traffic violations. Your rate volition vary based on factors like historic period, location and more.

To give you lot a ameliorate idea of what to expect, check out the average rates below, based on driving record and credit history. All rates are for full coverage insurance. See our methodology for more than details.

	Full coverage	Minimum coverage
Proficient driver, good credit	$1,739	$625
Proficient commuter, poor credit	$3,242	$1,166
After an blow, good credit	$2,765	$984
After a DUI, good credit	$2,213	$777
Later on a speeding ticket, good credit	$2,245	$783

Machine insurance buying guide

Before yous compare automobile insurance companies, you'll need to collect some bones information. This includes the driving history of everyone who will be on the policy, equally well equally facts nigh your machine, such as safety features and almanac mileage driven. You lot'll also desire to determine which types of coverage you need. For example, do you lot desire only the bare minimum insurance that your state requires, or do y'all demand more than extensive coverage, such as gap insurance or rideshare coverage? Cheque that each company you lot're considering has the options you want.

When comparing rates among insurers, make certain each is offering the same coverage limits and deductibles. You may not want to make your conclusion based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you lot'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an amanuensis. For more than guidance, see how to become car insurance .

Complaints and client satisfaction

Progressive had fewer than the expected number of complaints to state regulators relative to its size for auto insurance, according to iii years' worth of data from the National Association of Insurance Commissioners.

Progressive received an overall satisfaction score of 76 out of 100 by a pool of its customers, in a NerdWallet survey conducted online in July 2021. To put that in perspective, the average score amidst vii insurers was 79, and the highest was 83.

Progressive was rated below average for consumer satisfaction with auto insurance claims and shopping in 2021 J.D. Power studies.

2021 J.D. Power written report	Progressive ranking
Machine insurance shopping	No. seven out of viii companies.
Auto insurance claims satisfaction	No. 17 out of 18 companies.

More nearly Progressive auto insurance

Website: Progressive'southward website includes an insurance quote tool and a portal where customers tin can log on, pay bills and see claim condition. Additional helpful features include:

The Name Your Toll tool, which helps you find a policy to fit your budget. Go along in mind that a lower price will come with a trade-off in coverage.
A comparing characteristic that shows competitor rates alongside Progressive's quote for the same policy options.

Mobile app: Progressive's chief smartphone app allows you to study and rails claims, view policy information, get quotes for new policies and request roadside assist.

Snapshot mobile app: When you sign upwards for Snapshot, this app displays information well-nigh your driving behavior, records details about your trips and provides custom tips to ameliorate your driving.

Virtual help: If you have a Google Home device, you can utilise it to ask Progressive's digital vocalization assistant a variety of insurance questions. Or you can use Facebook Messenger to get a quote from Progressive's Flo Chatbot or ask an insurance-related question.

Life, homeowners and renters insurance from Progressive

Progressive offers coverage for houses, garages, sheds and more through third-political party insurers. To get more details almost coverage options and discounts, see our Progressive homeowners insurance review .

Progressive sells renters insurance policies through a subsidiary (Progressive Dwelling) and a third-party company (Homesite). To learn more than about this coverage, see our Progressive renters insurance review .

Progressive also sells term and permanent life insurance policies through a third party, eFinancial. Yous can start the quote procedure on Progressive's site, only yous'll somewhen be transferred.

Other insurance from Progressive

You tin buy many types of insurance through Progressive, but may non always terminate upwards with a Progressive policy. Hither are policies that come directly from the insurer, aside from car insurance:

All-terrain vehicle insurance.
Boat insurance.
Commercial auto insurance.
Golf cart insurance.
Motorbike insurance.
Personal watercraft insurance.
Recreational vehicle insurance.
Segway insurance.
Snowmobile insurance.
Umbrella insurance.

These are other types of insurance you can become from Progressive'southward partners:

Business concern insurance.
Archetype automobile insurance.
Condo insurance.
Dental and vision insurance.
Flood insurance.
Health insurance.
ID theft insurance.
Insurance for driving in Mexico.
Mobile home insurance.
Pet insurance.
Telephone and device insurance.
Travel insurance.
Wedding ceremony and event insurance.

Methodology

2021 car insurance survey methodology

This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate 1 auto insurance brand they obtained or renewed a policy with within the by 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online feel and trustworthiness on a scale of i-100. Only brands with 100 or more than qualifying respondents are reported — 300 of the respondents were current Geico policyholders.

Insurer complaints methodology

NerdWallet examined complaints received by country insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to ane another, the NAIC calculates a complaint index each twelvemonth for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the manufacture. To evaluate a company's complaint history, NerdWallet calculated a like index for each insurer, weighted by market shares of each subsidiary, over the 3-yr period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet's auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our "ease of use" category looks at factors such every bit website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop effectually and compare several insurance quotes to discover the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines .

Average rates methodology

NerdWallet averaged rates based on public filings obtained past pricing analytics visitor Quadrant Data Services. Nosotros examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it's one of the largest insurers in the country, Liberty Mutual is not included in our rates assay due to a lack of publicly available data.

In our analysis, "good drivers" had no moving violations on record; a "good driving" discount was included for this profile. Our "proficient" and "poor" credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.

$300,000 actual injury liability coverage per crash.

$l,000 property damage liability coverage per crash.

$100,000 uninsured motorist bodily injury coverage per person.

$300,000 uninsured motorist actual injury coverage per crash.

Standoff coverage with $i,000 deductible.

Comprehensive coverage with $one,000 deductible.

We used a 2019 Toyota Camry L in all cases and causeless 12,000 annual miles driven.

These are rates generated through Quadrant Data Services. Your ain rates volition exist different.