Progressive Auto Insurance Reviews

13 years with them accident and claim free. Got new car, got an online quote at $64/ month. Called in to finalize and they said $54/month so I said ok. I checked documents and it was actually $83/month. Geico quoted me $54/ month. Never using Progressive again.

Do not fall for Progressive’s Snapshot program. I just finished my first 6-month period using their mobile tracking app. I received an email stating that I earned a discount based on my 5-star driving habits. However, looking at the actual bill, my premium increased by $75. That is a rate hike, not a discount. The app itself is an absolute nightmare to deal with. It forces you to keep high-drain tracking features active, killing a phone battery in under 12 hours, and penalizes you if you turn on power-saving mode. It constantly flags false "hard brakes" just from parking or slowing down safely in a heavy 2-ton vehicle when Colorado traffic signals change quickly. It even counts hands-free calling and GPS maps as "phone usage." Earning a perfect score just to pay more money is insulting. I am opting out of Snapshot and deleting the app immediately. And after reading all other reviews here, I am inclined to change my insurance to a different insurance carrier, as well.

On March 19, 2025, I was in a single-vehicle accident on Old Nebraska Highway 275 near Fremont, NE, during a gubernatorially declared blizzard emergency, after swerving to avoid a jackknifed semi-truck blocking the roadway. Progressive assigned me 100% fault under Nebraska's Basic Speed Rule and removed my five-year accident-free discount. The Nebraska Sudden Emergency Doctrine was raised in writing on February 9, 2026. Progressive never addressed it in any response over the following year. Adjuster Brent ** dismissed a formal appeal containing 29 documented exhibits, including government weather records and law enforcement documentation, with a two-sentence email that did not engage with a single exhibit. The same letter listed an incorrect mailing address for the Nebraska Department of Insurance.

Terrible, it took Progressive over two weeks to respond to a claim submitted over the phone while my car sat at the repair facility.

If you are considering Progressive, be warned: their Claims, Customer Support, and Underwriting departments do not communicate, and you will end up paying for their internal mistakes. Following an accident on June 24 where my visiting father was covered under permissive use with zero liability (0% at fault), Claims advised me to add him to my policy if he were to drive again. I called on July 12 to add him voluntarily. Because Customer Support saw the pending request incorrectly listed him as "at fault," I was sent to Claims to fix it.

Progressive Insurance are THIEVES!!!! They took advantage of my dad for $900 and said "sorry"!!! They are a disgrace and I would NEVER recommend them to anyone!

Progressive is the worse insurance Ever. I had an accident back in 8/12/25, still dealing with them regarding this matter. It's almost a year. Progressive denied my claim. They stated that they are not responsible for my accident, even though they took my premium payment for over 2 years. Please read this review and avoid progressive if you don't want to end taking them to small claim because they don't want to pay for what you are entitled and being paying for over 2 years. Progressive purposely give you the runaround so they don’t have to pay you out in an accident.

If I could give Progressive zero stars, I would. I was involved in an accident that was entirely the fault of a Progressive-insured driver, yet dealing with Progressive has been one of the most frustrating experiences I've ever had. From the beginning, Progressive repeatedly delayed my claim. The repair shop had another vehicle ahead of mine—same make, same model, with nearly identical damage—that was also waiting on Progressive's approval. Progressive took approximately two and a half weeks to approve those repairs, which meant my vehicle couldn't even begin the repair process until that vehicle was moved. Both the repair facility and I notified my adjuster multiple times in writing that Progressive's delays were directly impacting my repairs, but we received little meaningful communication or urgency.

Progressive took fault on my daughter's wreck after just a couple of days and before the police report even came out. And still took fault after the other company took full fault.

I changed to Progressive for my car, travel trailer and home. On my travels towing my trailer I hit something that took off my awning completely. I filed a claim thinking that since I was towing the trailer it would be considered part on my truck and fall under my collision coverage (which the agent that I bought from said it would). When filing one agent said I was covered. Then another agent in claims department said I have no collision for the trailer and they would only pay $500. I checked with Farmers and State Farm and they said that it would be covered by their policies. I immediately cancelled all policies. I would NEVER NEVER go to Progressive Insurance. DO NOT EVER GET PROGRESSIVE. Cheat company.

I was quoted a price and covered for one month before they started sending me letters that I needed to supply something like, "proof of garage" and a copy of my drivers license with my address on it was not accepted. I called many times with rude service. The final exchange of communication is that my quoted rate would go up, I owed them $50 because the special intro fee would no longer apply upon cancelation...which I did! All of interaction wad unprofessional!

I'm in the process of buying a home that has been insured with Progressive Insurance. The roof is in dire need to be replaced along with areas of siding! They are offering $400 total coverage! Basically denying the claim! If I had more details I'd relate them, but I'm currently living in California and the home is in Nebraska.

Progressive was the worse auto insurance we have ever had in 38+ years of driving in AZ (State Farm) GA (Amfam, then Progressive) and FL (progressive). Do not sign up for auto-pay with progressive as they are very dishonest and not doing what they say, trying to get you to hold on to your business for as long as they can. With their service, they are sure to be losing a lot of business creating this level of DISSATISFACTION for their customers.

Seriously go anywhere but here. Professionally train their agents the best way to lie to make the sale. I paid for 6 months upfront and continued on. Got tired of the arguing with customer service and I switched companies for better rate and better insurance over a month ago then I now get bill for another 200 stating that it’s not for now. It’s for 3 months ago. Provide proof of payments for the whole year then they say it’s another month and so on. Even tried to report them. The supervisor states she the highest of supervisors. That you can not get higher than her too. Later here he state she has to talk to her manager. More lies. You catch them they cover their tracks and back water. Save yourself a headache and you’re wallet.

Progressive insurance the worst. Holding my car in financial obligation after I called and canceled my insurance. Even then, when does insurance companies become credit card? Were they pay ahead? Is that what they did? Is that how I am never heard of that before? Although progressive changes the rules as they go along, they are the worst. Please anyone. If you have that choice, do not use them. They are so awful. Customer service is none. They will not help you. You cannot get a hold of anyone. For god's sakes, never use this company.

⚠️BUYER BEWARE! I am an EMERALD PLUS CUSTOMER with Progressive. I have been with them NINETEEN YEARS (19 YEARS!). I have referred countless family members & friends to them. Now every time I see 1(800)8765581 appear on my phone, I get a knot in the pit of my stomach. I am just so heartbroken by this company. Last year, I filed my very FIRST CLAIM with them (other than a windshield repair claim approximately a decade ago) and it has been a NIGHTMARE ever since. I have had a total of 5 adjusters (KEN, GLORIA, AMY, HANNAH, DAVID AND ETHAN) ALL completely go RADIO SILENCE on me. I have had adjusters tell me they had opened a claim, and nothing was showing open on the website [Ethan]..

I purchased a Progressive auto insurance policy online after receiving a 6-month quote of approximately $754 and immediately paid the first month's premium of $123.20. The online application accepted my information, issued my policy number, and gave no indication that there was any problem requiring immediate attention. Several weeks later, after logging into my account, I discovered that my premium had increased to over $2,400 because Progressive could not verify my daughter's driver's license and driving history. The only notifications I had received were generic emails stating that I had "new policy documents." None of those emails clearly explained there was an underwriting issue or warned that my premium would increase dramatically if additional information was not provided.

In June of 2026 I had hail damage to my vehicle, filed a claim with Progressive, I sent them videos and photos of the storm, adjuster came out and did an estimate resulting in them saying it was a total loss, over $14000.00. Three weeks later no phone calls, won't return emails, no nothing from them. Never again will I have anything insured by Progressive.

Be careful of Progressive Insurance. I filed a claim for repairs on my 2013 Chrysler Town & Country On June 8, 2026. The parking lot damage was done in a parking lot some time in December 2015. I had forgotten the date, so I put the date of the damage on June 7, 2026. Because I mistakenly had the wrong date, Progressive has pt my claim "under review". It has been under review for over a month no. The claims adjuster has not called me back, & is ignoring my calls. Still no resolution on my repair. They are totally ignoring me.

I have had the worst experience with Progressive. My truck was in excellent condition. No damage before I was t boned by someone. Not my fault and the claims adjuster has fought me on every repair. The shop, they had me bring it to try to give it back with a bent axle and frame. It has been 2 months since the accident and still do not have my truck and they will not repair the other side of the vehicle. Keep saying it couldn't have been from the accident but I was hit hard enough to bend frame and axle. The customer service is terrible and it seems like a scam between the shop and progressive.

​Now that they have declared the car a total loss, the lowballing is rampant. They are offering us less than what I paid for the car just 13 months ago, and they are doing the same regarding the injury claims for everyone who was in the vehicle. (Only reason I took the money for the injuries was because I needed another vehicle asap. My husband is terminally ill and has a lot of appointments or else I wouldn't have.)

I started a new policy over the phone. And then a month later, I got a bill after I already paid in full 46 months. For another seventy dollars, I called him up. And asked him why they said, "Oh. You didn't sign up for snapshot." Nobody told me anything about snapshot. And the guy was really rude. I will never do business with Progressive again

Horribly atrocious corporate overlords. Been with them 15+ years. 1st claim filed has me without a car for a month. Just one cv joint/pinion to fix. They deterred me from using Hyundai where the car was towed and the place it would be fixed the quickest because they penny pinch and prefer profit over properly doing their job. Sue W. offered no help whatsoever and was very poor in communicating policies and helping me.

I had another insurance policy lined up for $45 cheaper a month and had a $100 deductible instead of $1,000. New policy was to start June 15th. I got a message from the other company on the morning of the 15th saying that the new policy was starting as agreed and they were sending docs over. So I schedule Progressive policy to end in the 16th. The other company didn’t not send the documents over that day which caused a lapse in coverage. Despite the fact that this was not my fault, and that I have proof in writing; I now have to spend an extra $115 a month for the exact same policy that I had just days prior. Wow….

Worst insurance company ever. Claims are handled very badly. Estimators wait days until after you drop your car off for fixing and customer service is not very nice. A driver was added without my authorization and charged me 1,500 out of nowhere. I never got an email or mail about it and they still went ahead with adding the person. Very stressful time. Please, skip the stress. Learn from others' mistakes.

Progressive client hit and damaged my vehicle. They initially gave me an estimate for repairs and are refusing to pay out on the claim. Also refusing to come do assessment of both vehicles involved. Photographs clearly show where their client is on the road when I get out of my vehicle to inspect damages. But Progressive is claiming they can't determine who is at fault even though the photos clearly show point of impact, where the vehicles are stationed on the road, etc. Photos also show the state of their client's vehicle, front window is packed with garbage and obstructions.

Worst insurance company EVER! Truck had a tree fall on it, shattering windshield and denting door and window frame. After interviews and interrogation they sent out an adjuster who verified the damage. I sent pics and weather report 3 separate times. When I told them I was calling an attorney they agreed to cover damages. Fast forward. Vehicle is in the shop, surprise, surprise, they are denying coverage. Bigger surprise no one is returning my calls.

They did the bait and switch. I called in, ask for a quote on adding a new car. They gave it to me. When I received the binder in the mail, my insurance went up 600 dollars. Don't trust these people. I'm looking for someone else.

I have a policy with Progressive and have been struggling to get answers, originally my premium was a certain rate, then fluctuates a minor (15-20). I reach out and ask about that, so we do through a whole song and dance, and I accept, now I had to reach out to them and ask why was it raised, they did not reach out to me. Then the following month it jumps over $300. I call back they give me some story about added drivers that I didn't add, even still you didn't reach out to me, I guess because my payments are automatic. If I was just randomly checking the app I wouldn't have known.

Got a letter asking about my dead mother-in-law and living father-in-law...Now we have to prove she's dead and my 71yr old father-in-law doesn't drive our vehicles. And until their paperwork gets here they have upped our premium over $200 every 6 months. Just shows you can't trust these days.

Beware. Scammers Alert! This company, once after 20 years, screwed me during Covid and cancelled my paid policy & has recently done it again after collecting my full payment!

I got Progressive insurance after having it. For a few months, I got a new car. They were charging me over $350 a month on a 2018 Kia Optima. I switched insurance companies, and they are saying, I owe them $25 they sent me to collections. I switched companies about 7 days before they would take the money out of my bank. Now they are being petty. This is not a good company. They are not part of the Better Business Bureau for a reason. Because they are a bad company. Stay away from this company at all cost. Even if it does cost you a little bit more, it's worth it. To not work with progressive insurance, but chances are you will find every other company is cheaper than them.

Liked the price but then realized it was tied to its "Snapshot" App that monitors your driving via the iPhone. After 2 months, they're telling me I am on threshold of RATE INCREASE because of HARD BREAKING which is TOTAL BS!!! In this part of NJ, 90% of my driving is highway and when being constantly CUTOFF, I have to break hard of course (by their definition of 7mph in a second)...or with so many poor drivers making dangerous, unexpected moves, one has to drive/brake accordingly. I have had NO claims or accidents in my total 56 yrs of driving. And, with this nice car, I COAST as much as I can rather than breaking hard. I am cancelling ASAP.

Please don't make the same mistake I did, by using Progressive as your carrier. If you have to file a claim, they will gaslight, drag things out, not return phone calls, not keep you informed and then give you a lowball appraisal if your vehicle is totaled. I had to hire my own appraiser just to try to get something that resembled a fair market price for my car and still come out $2,000 below market value.

I was involved in an accident where I was 100% at fault. Both the other driver (the victim) and I happen to be Progressive policyholders. Progressive's handling of this claim has been an absolute nightmare of "Bad Faith" and utter negligence. For months, Progressive ignored the victim's fair diminished value claim. I only found out about the issue when the victim directly sent me a "Final Demand Letter". I immediately alerted Progressive, but received nothing but canned, template responses. I then gave Progressive a strict deadline and stated I would report them to the California Department of Insurance (CDI) if they failed to act. They completely ignored my warning.

Possibly the worst, most unprofessional claims department of life. Took months (6) to recieve proper reimbursement and payment for an Auto claim. Now the really bad part.... Don't ever expect to receive ANY reimbursement for theft or damages to your home as the result of one. We were left holding the bag and paid out of pocket to fix the damage, they simply kept putting us off. And THEY were given all the required paperwork they needed. These people are clowns. Maybe they should paint their faces as such, so hard working, trusting customers can see them, and their rotten insurance company coming... Not worthy of a one score. Bid fat ZERO.

I was in an accident about a month ago. Let's face it, the vast majority do not enjoy dealing with insurance. I have to say that the agent that handled my claim was incredible! He made the entire process so easy and really put my mind at ease through all of it. His name is Reid Y out of Indianapolis, IN area. He handled scheduling my vehicle from off for repairs and helping me get in a rental.

I strongly advise against using Progressive based on my recent experience. The billing practices felt misleading, particularly what appeared to be a “bait-and-switch” approach on pricing. When I attempted to cancel, I was provided with a “final bill,” only to receive an additional charge the very next day. This lack of transparency and consistency in billing is unacceptable and raises serious concerns about their internal processes and customer communication. At a minimum, I would expect clear, accurate, and final documentation when closing out an account—not multiple, conflicting charges after the fact. Based on this experience, I recommend proceeding with caution.

They don’t keep their word. They quoted me an agreement. I paid for multiple contracts. I get my mail at my mom’s house. They tried to increase my payment and add my stepfather by force. They sent me a letter saying I had a month to respond that was post dated I got it in the mail 37 days after it was dated. They forced new charges on me because I wouldn’t give them my stepfather’s personal information. When I didn’t pay and went with a new insurance company, they sent me to collections and my credit score took a 70-point hit. Worst experience I have had with an insurance company. Be warned.

They tell you a 6 month price pay up front. Then they got the email incorrect. For 6 months a bill that should have never existed was hitting my credit and as we all know credit is a lot easier to lose than gain so I finally pay the debt and ask to get email confirmation a couple times and the customer service lady hangs up on me.