Progressive review

Progressive is the most transparent large auto insurer on price. Its auto page publishes average liability-only costs from 2025 data, $87.56 a month in low-cost states up to $165.02 in high-cost states, which no other national carrier here matches. The discount menu is long and documented with figures: 12% average for multi-car policies, 7% for quoting online, 10% for signing documents online and a good student discount that starts at 5%. Snapshot, its usage-based program, saved participating drivers $328 a year on average, though it is not offered in California. Accident forgiveness comes in three layers: small claims up to $500 are forgiven from the first term, larger ones after five clean years, and a paid add-on covers one more accident per period. After 20 years you get a lifetime renewal guarantee. The Name Your Price tool lets you start from a budget instead of a coverage list. We compared documented features and published prices.

Who it is for

Drivers who want to compare prices online and stack discounts

Price

No fixed starting price; Progressive puts its average liability-only policy at $87.56 a month in low-cost states and $165.02 in high-cost states (2025 data).

The average cost of Progressive car insurance ranges from $87.56 per month in low-cost states to $165.02 per month in high-cost states for a liability-only policy.
Quoted from the vendor pricing page on November 11, 2026.

Key features

• Snapshot usage-based program; Progressive says drivers who save with it save $328 a year on average
• Name Your Price tool that builds coverage around a budget you enter, in most states
• Small Accident Forgiveness for a first claim of $500 or less, applied automatically for new customers in most states
• Large Accident Forgiveness after five accident-free years as a customer, plus a paid Accident Forgiveness add-on
• Rideshare coverage and loan/lease payoff coverage as add-ons

Strengths and weaknesses

• Strength: Publishes an average liability-only price by state cost group, from $87.56 a month
• Strength: Documented discounts include 12% average for multi-car, 7% for an online quote and 10% for signing online
• Strength: Lifetime renewal guarantee after 20 years as a customer
• Weakness: Snapshot is not available in California or from all agents
• Weakness: Published averages are liability-only, so full coverage costs more
• Weakness: Bundle savings on auto average 5%, lower than the 'up to' bundle figures some rivals quote

Key facts

• Average price: $87.56 to $165.02 a month, liability only (2025)
• Telematics: Snapshot, average $328 a year saved
• Accident forgiveness: Small (claims up to $500), Large (5 years), paid add-on
• Average switch savings: $975 a year (new customers who saved)
• Buying channels: Online, phone, independent agents

Where it ranks

Progressive is No. 1 in our Best Car Insurance Companies verdict.