Progressive Insurance: Is It Worth It in 2022?

From auto to homeowners to health to pet coverage, Progressive Insurance offers a wide variety of policies to choose from. Americans choose Progressive for reliability, diversity, affordable prices, and lucrative bonuses.

But it’s not all roses. Despite high ratings from major reviewers, including BBB, J.D. Power, Moody’s, Standard & Poor, and A.M. Best, a fair number of Progressive complaints beg for deeper research before you can confidently purchase a policy. 

After all, there are plenty of fish in the sea. Insurance giants like USAA, Allstate, State Farm, and Progressive itself are all competitive, and it’s up to you to decide which are worthy of your business.

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So where does Progressive Insurance stand when compared to the other insurers? Let’s find out right now.

Auto Insurance – the Major Magnet

The third-biggest auto insurance provider in the United States, Progressive Insurance attracts most of its clients with flexible car insurance offerings, such as rideshare insurance and usage-based insurance.

As for the latter, though, there’s a catch: your auto insurance premium will rise if the company rates you a bad driver within its Progressive Snapshot program. With this in mind, auto insurance from Progressive may be a dubious choice for inexperienced drivers and a perfect choice for those with a spotless driving record. In a way, with Progressive, you pay for how safely you drive.

Speaking of which, the average cost of an auto policy with Progressive is $120 per month, or about 20% lower than the national average. Note, however, that several renowned insurers, including USAA and State Farm, offer cheaper policies.

Discount-wise, Progressive runs over a dozen auto insurance discounts, from popular bundling to student discounts, saving around 10% of your premium.

Other Policies: Health, Life, Homeowners, and Pet

Unlike auto insurance, other policies don’t provide extra perks except that you can bundle home and auto insurance to lower your premium by about 5%. That said, the offerings are diverse enough to satisfy your choice of coverage:

  • Health policies encompass PPO, HMO, HAS, catastrophic plans, three Medicare plans, short-term health insurance plans, and a few dental plans.
  • Life policies include term life, short-term life, whole life, universal life, and final expense plans.
  • Homeowners policies comprise all popular types of coverage, from dwelling to loss of use to water backup, personal injury, and specified perils (tornadoes, power surges, vandalism, etc.)
  • Pet policies include three types of cat and dog coverage – accidental injury, accident and illness, and routine care – with an interesting addition that, under certain conditions, pet coverage can apply to car accidents.

All in all, though, none of the mentioned policies are out of the ordinary – except for maybe the pet coverage feature – with plan prices hovering around the market average.

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Regardless of the type of coverage you are searching for, Progressive Insurance will always be a decent option, but that’s not to say it holds an advantage with any insurance it offers. Therefore, you should proceed according to your needs, budget, and risk tolerance.

As advantageous as Progressive Insurance can be for crafty drivers and drivers of specific needs – and possibly some other categories of insurance seekers – you should research at least a few other major insurers before taking action.