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An independent agent's review of Progressive auto insurance: AM Best A+ financial strength, strengths for high-risk and SR-22 drivers, Snapshot telematics and Name Your Price, the renewal-increase watch-out, and how it compares to GEICO, Safeco, and other carriers Dragon shops across PA, TX, VA, MD, OH, TN, and KY.
Progressive is one of the largest auto insurers in the United States, and it is one of the 30-plus carriers Dragon Insurance writes for. That puts us in a useful position: we quote Progressive every week, we see where it wins on price, and we see where another carrier beats it for the same driver. This review is written from that independent-agent seat, not from an affiliate scoreboard.
Below is what Progressive does well, where it falls short, who it tends to be the best fit for, and how it stacks up against the other carriers we shop for auto coverage across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
Key Takeaways
Quick Answer
Is Progressive a good auto insurance company?
Yes, for the right driver. Progressive is a financially strong, technology-forward national carrier that is frequently the most competitive option for drivers with prior incidents, SR-22 needs, or non-standard situations. It is not automatically the cheapest for every profile, and its renewal rates can climb, so it should be compared against other carriers rather than bought in isolation.
Here is how Progressive performs across the metrics that matter most when you are deciding whether to place or keep your auto policy there.
| Metric | Rating | Notes |
|---|---|---|
| AM Best Financial Strength | A+ (Superior) | Strong ability to pay claims across its primary auto companies |
| High-risk and SR-22 pricing | Strong | Often the most competitive for tickets, at-fault claims, and filings |
| Digital tools and telematics | Strong | Snapshot telematics and the Name Your Price tool are best-in-class |
| First-term price competitiveness | Moderate to Strong | Frequently competitive, but not guaranteed lowest for every profile |
| Renewal rate stability | Watch | Rates can increase at renewal, which is why annual re-shopping matters |
Progressive offers the full range of standard and optional auto coverages. The core protections are the same ones every driver should compare on equal limits before judging price.
A few areas are genuine strengths, and they are why Progressive earns a place on our panel rather than just a logo on a comparison page.
Higher-risk and non-standard drivers. If you have a speeding ticket, an at-fault accident, a recent lapse, or you need an SR-22 filed, Progressive is often the carrier that comes back with a workable rate when standard insurers do not. For non-standard situations we also compare Bristol West and The General, but Progressive is frequently the front-runner.
Snapshot telematics. Drivers who do not drive much, or who drive carefully, can earn a meaningful discount by sharing driving data through Snapshot. It rewards smooth braking, lower mileage, and avoiding late-night driving.
Name Your Price. This tool lets you start from a monthly budget and see which coverage combinations fit. It is a helpful way to understand the trade-off between premium and protection, though an agent should still check that the limits are adequate.
No carrier is the right answer for everyone. These are the limitations we see most often.
Renewal increases. The most common complaint we hear is a low first-term premium that rises at the first or second renewal. The fix is not loyalty, it is comparison: re-shop every year so you are always on the most competitive carrier for your current profile.
Not always the cheapest for clean records. Drivers with spotless histories and good credit sometimes find Safeco, Liberty Mutual, Plymouth Rock, or GEICO beat Progressive on price. That is exactly the kind of gap a side-by-side quote reveals.
Bundling can be split across companies. Progressive's home coverage is frequently underwritten by partner carriers, which can complicate a true single-carrier bundle. If bundling is your goal, we also compare Safeco and AAA, where the auto and home discount stacks more cleanly.
| Driver Profile | Is Progressive a strong fit? |
|---|---|
| Driver with tickets or an at-fault accident | Often the best option |
| SR-22 filing required | Strong fit |
| Low-mileage or cautious driver (Snapshot) | Strong fit |
| Clean record, excellent credit | Compare against Safeco, GEICO, Plymouth Rock |
| Wants a clean single-carrier auto and home bundle | Compare against Safeco and AAA |
The premium is identical whether you buy Progressive directly or through an independent agent, because agents are paid by the carrier at bind, not by you. The difference is that buying direct gives you one quote from one company. When you call Dragon, we quote Progressive alongside GEICO, Safeco, Liberty Mutual, Plymouth Rock, National General, and the rest of our panel on the same limits, and we tell you plainly which one wins for your situation, even when that is not Progressive.
Want to see if Progressive is your best rate?
Dragon Insurance shops Progressive against 30+ carriers across PA, TX, VA, MD, OH, TN, and KY. Get your quote online or call us at 717-229-5115. English, Nepali, and Hindi spoken.
Ratings referenced (AM Best, J.D. Power, BBB) are independent third-party assessments and can change over time. Coverage availability, discounts, and pricing vary by state, vehicle, and driver profile. This review reflects Dragon Insurance's independent quoting experience and is not endorsed by Progressive.
Related reading: How to Compare Auto Insurance Quotes, Cheap Auto Insurance in Pennsylvania, and The General Auto Insurance Review.
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About the Author
Bimal GurungLicensed Insurance Advisor
Bimal Gurung is a licensed insurance advisor at Dragon Insurance Services, an independent agency in Camp Hill, PA that compares 30+ carriers for clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
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