INSURANCE CARRIER

Progressive Insurance Review

Progressive is strong on auto and specialty vehicles. How they compare on ratings, claims, and who they suit best.

Free Coverage Review

RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A+ Superior

JD Power Personal

Below industry average for auto in 2025 across all eleven measured regions. Strong on price and digital tools.

JD Power Commercial

NAIC Complaint Index

Tracks near the industry average.

Progressive is publicly traded and rated A+ Superior by AM Best. They are one of the largest auto insurers in the country and write personal auto, motorcycle, boat, collector auto, and commercial auto through independent agents. In Georgia, Progressive is competitive for clean-record drivers and specialty vehicles. Their homeowners product is available but more selective in underwriting.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Competitive pricing on auto, especially for drivers with clean records or who bundle home and auto.

Strength 2

Strong specialty vehicle coverage including motorcycle, boat, RV, and classic auto.

Strength 3

Snapshot telematics program can significantly reduce premiums for good drivers.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Homeowners insurance claims satisfaction scores are below average compared to carriers who specialize in property.

Weakness 2

Rate increases after claims can be more aggressive than some competitors.

Weakness 3

Best Fit For

Drivers with good records, homeowners looking for competitive home and auto bundle pricing, clients who value name recognition and broad availability.

Not A Good Fit For

Anyone prioritizing homeowners coverage quality over auto savings. Progressive's homeowners product is written through third-party carriers and has less consistent claims service than their auto product.

APPETITE & COVERAGE

What They Write

Coverage Types

Auto, Homeowners, Renters, Motorcycle, Boat, RV, Umbrella

Best Pricing For

Progressive is consistently among the most competitive options for personal auto in Georgia, particularly for drivers with one minor violation or a mixed driving record. Auto is their core strength; homeowners is a secondary product.

Industry Classes

Admitted Status

CLAIMS & PRICING

What to Expect

Claims Experience

Progressive auto claims are generally handled quickly with strong digital tools. Their concierge repair program, where Progressive manages the repair directly with a guaranteed shop, is a differentiator for clients who want a hands-off experience. Homeowners claims handling gets more mixed reviews, which tracks with their lower J.D. Power property scores. Most auto claims in Georgia close within expected timeframes.

Pricing Context

Progressive is often among the more competitive on auto, particularly for drivers with clean records and newer vehicles. Their Name Your Price tool lets clients set a budget and see what coverage that buys. Homeowners pricing is available but not typically as sharp as their auto rates. Specialty vehicle pricing on motorcycles, boats, and RVs is where Progressive consistently competes well.

vs Competitors

Against Safeco: Progressive wins on auto pricing for most profiles, Safeco wins on homeowners quality. Against Travelers: Travelers wins on homeowners, Progressive typically wins on auto for standard risks. Against Nationwide: Progressive is sharper on auto pricing, Nationwide is stronger on homeowners claims experience. Against State Farm and GEICO direct: Progressive competes well and offers independent agent access as a differentiator.

STATE AVAILABILITY

Where They Write

States Available

All 50 states

Personal Lines States