INSURANCE CARRIER
Progressive Insurance Review
Progressive has been publicly traded since 1965 and writes personal auto, motorcycle, boat, RV, collector auto, and commercial auto through independent agents across the country.
Personal Lines
- File a claim 1-800-776-4737 · 24/7 online, app, and phone
- Online Account & claims portal
- After hoursFile anytime via app, online, or 1-800-776-4737.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Progressive has been publicly traded since 1965 and writes personal auto, motorcycle, boat, RV, collector auto, and commercial auto through independent agents across the country. Progressive tends to be competitive on auto pricing for drivers with clean records, and their specialty vehicle coverage -- motorcycle, boat, and classic auto in particular -- is broad and well-structured. Their homeowners product is available through independent agents and can be bundled with auto for clients who want a single carrier relationship, though underwriting is selective and eligibility varies by property type and location.
Strengths
What This Carrier Does Well
Competitive pricing on auto, especially for drivers with clean records or who bundle home and auto.
Writes specialty vehicle coverage including motorcycle, boat, RV, and classic auto.
Snapshot telematics program can significantly reduce premiums for good drivers.
Limitations to Know
Where They Fall Short
Homeowners insurance claims satisfaction scores are below average compared to carriers who specialize in property.
Rate increases after claims can be more aggressive than some competitors.
Right Fit
Who They Are Best For
Best Fit For
Drivers with good records, homeowners looking for competitive home and auto bundle pricing, clients who value name recognition and broad availability.
Not a Good Fit For
Anyone prioritizing homeowners coverage quality over auto savings. Progressive's homeowners product is written through third-party carriers and has less consistent claims service than their auto product.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Auto, Homeowners, Renters, Motorcycle, Boat, RV, Umbrella
- Carrier's Licensed States
- All 50 states
- Personal Lines States
- All 50 states
Pricing & Claims
What to Expect
Best Pricing For
Progressive is consistently among the most competitive options for personal auto, particularly for drivers with one minor violation or a mixed driving record. Auto is their core strength; homeowners is a secondary product.
Pricing Context
Progressive is often among the more competitive on auto, particularly for drivers with clean records and newer vehicles. Their Name Your Price tool lets clients set a budget and see what coverage that buys. Homeowners pricing is available but not typically as sharp as their auto rates. Specialty vehicle pricing on motorcycles, boats, and RVs is where Progressive consistently competes well.
Claims Experience
Progressive auto claims are handled through digital tools and a concierge repair program, where Progressive manages the repair directly with a guaranteed shop for clients who want a hands-off process.
Admitted Status: Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts