time icon 7 min read update icon Sept. 20, 2019
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Progressive offers Standard auto insurance and popular optional policies with great online tools to help you get the most coverage for your money.

Progressive Auto Insurance provides Standard coverage and online tools to help you get the most out of your policies. The company was founded in 1936 and since then has an ever-growing list of industry firsts. Progressive opened the first drive-in claim center, offered the first installment payment plan and created the first major auto insurer website. The company emphasizes low costs and offers great ways to save money. Its most famous tool is the Name Your Price tool which allows you to see what coverage is available at the named price point. Drivers can compare prices with other companies while obtaining a quote, and stack discounts or try out the Snapshot usage tracker. Progressive also offers very popular Accident Forgiveness and Gap coverage policies.

Grandfolk Scoring
Premium 9/10
Deductible 9/10
Customer service 7/10
Customer satisfaction 7/10
Policy options 8/10
Additional benefits 9/10
Financial strength of insurer 9/10
Discounts 8/10
Payments 9/10
Digital interface 9/10
Annual cost of coverage
Varies with personal factors
Annual deductible to be met
Depends on policy selected
Customer service
Customer responsiveness
Very responsive
Customer satisfaction
Satisfaction with insurance
Policy options
Auto insurance policy types
Above average options
Additional benefits
Benefits and add-ons types
Average benefit/add-on options
Financial strength of insurer
Claim pay ability
Top rated - A.M. Best
Discount types
Average range
Payments methods
Average options
Digital interface
Digital interface accesibility
Well above average accessibility
Age Score:
50-64 Years
65-74 Years
75-84 Years

Progressive has no benefits specifically geared towards seniors, though its Standard features and discounts often apply. The website is user-friendly, and there are several ways to contact the company. There are multiple options for obtaining quotes, paying bills and managing policies, so you only have to use the website if you want to. Progressive offers a discount to drivers who have had consistent auto insurance coverage, even if it was not through Progressive.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

Advancing health conditions may make it difficult for some seniors to drive safely, and to maintain this auto insurance coverage, you must have a valid driver’s license. Progressive does not offer any specific policies or perks for senior drivers, but some of the general options may benefit seniors. Seniors who use Snapshot to monitor their driving habits may earn a discount on their premium for safe driving behavior. Accessories, like equipment and parts for disabled drivers and passengers, may be covered as well. Even in poor health, a policy will have value to cover a caretaker or family member who drives the senior around.


  • Although there is no specific senior driver discount, Progressive has a robust selection of discounts, many of which may benefit senior drivers. For example, the Continuous Coverage discount may benefit seniors who have maintained consistent auto insurance with no lapses in coverage.
  • Progressive offers many tools to help you get the most out of your policy, including the famous Name Your Price tool and the Coverage Checker. Name Your Price may be especially helpful if you are on a fixed budget and only have a specific amount to spend on insurance. Combined with the Coverage Checker, you will have an idea of the areas in which you may need more or less coverage.  
  • Pet Injury coverage is included in Collision insurance so, if your pet is injured in an accident, you will have some help with the vet bills.
  • In addition to standard cars and trucks, you can cover many other types of vehicles, including classic cars and recreation vehicles.
  • The Snapshot device tracks your real driving habits and gives discounts to good drivers.


  • There are no policies or discounts are specifically geared towards seniors, though many of the general options may still be applicable. Most other auto insurers offer Mature Driver or Defensive Driving discounts. 
  • The Snapshot device doesn’t just reward good drivers; it penalizes unsafe drivers. Depending on your driving behavior, your rates may increase when you use this feature to monitor your habits.
  • Progressive has low scores for its customer service and customer satisfaction compared to other insurers in the industry.   
  • Progressive’s website does not offer as much consumer education as other auto insurance websites. Although the process is fairly straightforward, anyone who is new to buying car insurance online will not be supported with additional resources.

Bottom Line:

Progressive offers Standard auto insurance coverage with a built-in price comparison tool. Customer satisfaction ratings are average or lower-than-average for an auto insurance company, and there are more complaints about Progressive than other insurers. Progressive offers smart tools to get the most of out of your insurance coverage. You can easily work within your budget and compare rates among insurers. In 2009, Progressive won the “Voice of the Customer Awards” by Forrester Research for its work to improve customer service. Progressive offers a seamless experience, solid coverage and smart tools to manage your policy. However, there are no senior-specific discounts or promotions. However, since you can easily compare rates and stack multiple discounts, you can still get the coverage you need. Popular policies like Gap coverage and Accident Forgiveness are available. Progressive may be good for you if you want to get the most coverage for your money.

Frequently Asked Questions:

How do I pay for my policy? You may pay for your policy online, over the phone, with an automatic payment plan or through the regular mail. You can pay with a credit card, PayPal, online check, personal check or money order or an Electronic Funds Transfer (EFT) from your checking account. 

How can I make changes to my policy? You can make changes to your policy online or over the phone. The website offers great policy management tools if you choose to use it. You can manage some components of your policy on the mobile smartphone app. Policy changes may impact the price you pay. 

How do I make a claim?  You can report a claim online or over the phone. You can track your claim online or on the mobile smartphone app. Progressive offers one-stop service shops around the country where you can drop off your car for adjustment and repair, and pick up a rental for your convenience. 

More Information:

Note: All programs, policies, and services may not be available in all states or to all drivers. Please carefully read all policy information for details and talk to a representative to see if you are eligible. 

Product Details

Overview:  Progressive offers Standard auto insurance nationwide with an emphasis on low-priced coverage.

  • Package Details: Progressive offers Standard auto insurance policies with built-in price-comparison tools. Some of the following benefits make Progressive stand out from its competitors:
  • Name Your Price Tool: You list a price you would like to pay for car insurance, and Progressive will tell you what kind of coverage you could get for that price. 
  • Coverage Checker: This tool analyzes your coverage during the quote process to identify areas where you may have too much or too little coverage. 
  • Snapshot: Use the mobile smartphone app or a plug-in device to monitor your driving habits and get discounts for safe driving. 
  • Pet Injury insurance: This coverage is included in your Collision policy and can help you pay for bills if your pet is injured in an accident.
  • Perkshare: This program offers Progressive customers discounts on auto, outdoor, travel, and lifestyle products and services. 
  • Add-on Services: Some of Progressive’s options may be especially beneficial to older drivers.  
  • Continuous Insurance discount: Get a discount when you have had no gap in insurance coverage, even if it was not through Progressive. 
  • Roadside Assistance: Get help with non-accident related breakdowns that require towing, winching, battery jump-start, fuel delivery, and more.
  • Gap coverage: If you are still paying on a car loan and total your car, Gap coverage will pay for the difference between the loan and the actual value of the car. 
  • Accident Forgiveness: With this policy, your first at-fault accident may not impact your premium cost. 
  • Additional Company Details

Contract Details:

Payment policies: You may pay for your policy online, over the phone, with an automatic payment plan or through the regular mail. You can pay with a credit card, PayPal, online check, personal check or money order or an Electronic Funds Transfer (EFT) from your checking account. 

Late payment: If you mail in your payment, the postmark date is considered the payment date, so it will not be considered late if it is mailed on the due date.

Cancellation procedure: You may cancel your policy over the phone, in person with an agent or online. 


Warranty: None

Accreditations: Progressive is not accredited with the Better Business Bureau, but does have an A+ rating on the BBB website based on how it responded to any complaints made to that organization. 

Company Details: Progressive was founded in 1937 by Joseph Lewis and Jack Green. The company focuses on offering innovative products and services, and boasts a long list of industry firsts:

  • The first insurance agency to offer drive-in claims service;
  • The first agency to offer installment plans;
  • The first major auto insurer with a website; and 
  • The first concierge-level claims service. 

Progressive aims to reduce human trauma and reduce economic costs that are related to car accidents. Several values guide this work: Integrity, the Golden Rule, Objectives, Excellence, and Profit. Progressive currently employs 25,000 employees in 450 locations nationwide. 


Corporate Headquarters
The Progressive Corporation
6300 Wilson Mills Rd
Mayfield Village, OH 44143


General: 800-776-4743
Quote: 855-347-3749
ERS: 800-776-2778
Report Fraud/ID Theft: 888-288-0700
General Fax: 877-280-5587
Online: Chat or email
Chat hours: 5 AM-12 midnight EST

Jennifer Brooks - Senior Advisor

Jennifer is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.