Progressive specializes in non-standard auto insurance and is the top choice for high-risk drivers, DUI recovery, and SR-22 filings. Their Snapshot telematics program rewards safe drivers with real discounts. Founded in 1937 and headquartered in Mayfield Village, OH, Progressive holds an AM Best financial strength rating of A+ and scored 856 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.
Progressive Pros and Cons
- Best for high-risk drivers
- Snapshot usage-based discount
- Gap insurance available
- Name Your Price tool
- Higher rates for clean-record drivers
- Below-average claims satisfaction
- Snapshot can raise rates if you drive poorly
Bottom line: Progressive is best for High-risk drivers and those needing SR-22.
Progressive Rates by Driver Profile
| Driver Profile | Estimated Annual Rate | vs. National Average | Assessment |
|---|---|---|---|
| Clean record — 35, good credit | $1,442 | $562 below avg | Average |
| One speeding ticket | $1,802 | +25% surcharge | Standard |
| At-fault accident | $2,090 | +45% surcharge | Competitive post-accident |
| DUI conviction | $2,566 | +78% surcharge | Specializes in DUI |
| Teen driver added | $2,624 | +82% surcharge | Standard teen surcharge |
Progressive Coverage Options
Progressive offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is available from Progressive which covers the difference between your car's actual cash value and your loan balance after a total loss. Rideshare coverage for Uber and Lyft drivers is available from Progressive.
Is Progressive Right for You?
Progressive is an excellent choice for High-risk drivers and those needing SR-22. Our recommendation is to always compare Progressive's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.