Progressive Insurance Review for 2022

Flo from Progressive made the insurance provider a household name in 2008 -- and the company's latest string of ads with spokesperson "Dr. Rick" are downright hilarious. 

Played by Bill Glass, Dr. Rick reminds young homeowners that they're slowly but surely turning into their parents with the provider's new tagline: "Progressive can't save you from becoming your parents, but we can save you money when you bundle home, auto or more with us."

Progressive is an insurance carrier running policies ranging from vehicle and property to personal and business insurance -- in all 50 states plus Washington, D.C. 

It offers average car insurance rates, but it does provide cheaper insurance options for adding teen drivers to your policy. 

Progressive has a large swath of insurance products, from car, boat and motorcycle insurance to renters, home and life policies. 

One major benefit Progressive offers is a discount for bundling policies together, bringing down your overall cost. 

Progressive also offers car coverage types that other major providers don't, including gap insurance (which we recommend if you're leasing or financing your vehicle) and rideshare insurance for Uber or Lyft drivers.

Progressive's biggest drawback is its high complaint score, based on the National Association of Insurance Commissioner's index. 

Its score indicates that Progressive has more than twice the number of complaints filed against it than the average filed against its competitors. 

Moreover, the carrier has particularly low auto claims customer satisfaction scores, according to a J.D. Power Survey. 

Combine low scores with average rates, and you get an insurance company that might not be the best option for everyone. 

Progressive is a middle-of-the-line insurer when it comes to costs. It isn't the most expensive, but it also isn't the cheapest -- its average annual full coverage premium is just $200 below the industry average, according to Bankrate.

Moreover, Progressive's minimum coverage per year is $542, compared with an industry average of $545.

Though Progressive's rates are so-so across the board, adding a teen driver to your policy is a lot cheaper with this carrier. 

On average, adding a 16-year-old driver to your policy may cost $500 less with Progressive compared to the national average.

Progressive offers just about every major coverage type you might need for an auto policy. Here are some of their major options:

Bodily injury liability protection: This coverage pays for injuries to others caused by the policyholder and other drivers listed on the policy. Bodily injury liability protection is required in most states.

Property damage liability protection: This coverage pays for damage caused to another's property. Most prominently, this is aimed at other cars, but it can also include other personal property like fences or mailboxes. Property damage liability is required in all US states. 

Personal injury protection (PIP): This coverage pays for the medical costs and lost wages of the driver and passengers of the policyholder's car if injury occurs, up to the policy's limits, regardless of fault.

PIP may also include coverage for funeral expenses and essential services, like child care or dog-walking, that you may be unable to perform due to physical injuries. PIP is required in 14 states.

Uninsured or underinsured motorist coverage: This coverage pays for your and your passengers' medical expenses up to the policy's limits when an underinsured or uninsured motorist causes an accident. 

Uninsured motorist property damage is available in some states to help cover repairs to your vehicle if damaged by an uninsured driver.

Medical payments: Similar to PIP coverage, medical payments helps pay for medical costs of the policyholder and their passengers up to the policy limit, regardless of fault. 

However, unlike PIP, medical payments does not cover lost wages or essential services. Med Pay is an optional coverage in most states, but it is required in a few states. 

Collision coverage: This coverage pays for damage to your vehicle in an accident resulting from a collision between your car and another car or an object.

Comprehensive coverage: This coverage pays for damage to your car caused by an event other than collision. This includes theft, fire, flood, hail, vandalism and more.

Rideshare coverage: This coverage helps you fill the gaps that Uber or Lyft doesn't cover. At Progressive, you must add this coverage to your policy if you drive for a rideshare service.

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