INSURANCE CARRIER
Progressive Insurance Review
Progressive is strong on auto and specialty vehicles. How they compare on ratings, claims, and who they suit best.
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 is publicly traded and writes personal auto, motorcycle, boat, collector auto, and commercial auto through independent agents. In Georgia, Progressive is competitive for clean-record drivers and specialty vehicles. Their homeowners product is available but more selective in underwriting.
Strengths
What This Carrier Does Well
Competitive pricing on auto, especially for drivers with clean records or who bundle home and auto.
Strong 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.
Commercial lines are not Progressive's strength; clients needing multi-line commercial beyond auto should look at Hartford, Travelers, or CNA for the non-auto lines.
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
- States Available
- 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 in Georgia, 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 generally handled quickly with strong digital tools. Their concierge repair program, where Progressive manages the repair directly with a guaranteed shop, is a differentiator for clients who want a hands-off experience. Homeowners claims handling gets more mixed reviews, which tracks with their lower property satisfaction scores. Most auto claims in Georgia close within expected timeframes.
Admitted Status: Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. 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
At a Glance
Common Questions
Frequently asked questions
Does Progressive have the lowest auto insurance pricing in Georgia?
For some driver profiles, yes. For others, no.
When is Progressive the right choice for Georgia auto insurance?
Progressive is the largest commercial auto insurer in the United States and the third-largest personal auto insurer.
How is Progressive’s Snapshot program in Georgia?
Snapshot monitors driving behavior (hard braking, fast acceleration, late-night driving, phone use) for six months and adjusts your premium.
How does Progressive Snapshot work in Georgia?
Progressive's Snapshot telematics program monitors driving behavior and adjusts your renewal premium based on actual driving.
Does Progressive cover my Lake Lanier boat properly?
Yes, Progressive is one of our primary choices for Georgia watercraft.