In the United States, everyone knows the name Progressive Insurance when it comes to car insurance. Progressive has become one of the biggest auto insurers in the country thanks to its creative marketing, wide range of insurance choices, and many discounts. We are now in 2025, and Progressive is still competing. They offer low prices and a variety of coverage choices that appeal to a wide range of drivers.

This post will explore Progressive's offerings in 2025, focusing on the coverage types, pricing, discounts, and how it stacks up against other major auto insurers. For those considering auto insurance from Progressive, this review will provide the insights needed to make an informed decision.

Coverage Options:

One of the key features that make Progressive stand out in the crowded auto insurance market is its wide array of coverage options. While many other insurance companies focus solely on basic auto insurance needs, Progressive goes above and beyond to offer specialized coverage designed to meet the needs of a broad range of drivers. Here’s a breakdown of the most notable coverage options available through Progressive:

1. Rideshare Insurance: When it comes to rideshare insurance, Progressive has become a popular choice for drivers. Most car insurance policies don't cover drivers when they're waiting for a ride request or driving between trips, but rideshare coverage does. Progressive answers this need by providing insurance that covers the driver's car when the rideshare app is running, even if there are no passengers in the car.
2. Gap Insurance: Gap insurance is ideal for drivers who owe more on their vehicle than it is worth. This coverage helps bridge the gap between the car’s actual cash value and the remaining loan balance in the event the vehicle is totaled. Gap insurance is particularly valuable for people who have financed or leased their vehicle and want to ensure that they are not left with significant debt after an accident.
3. Custom Parts and Equipment Coverage: Many drivers invest in custom parts or accessories for their vehicles, such as custom wheels, sound systems, or other upgrades. Progressive offers coverage that pays for the repair or replacement of custom parts that are damaged or destroyed in a covered accident. This coverage can be purchased with a limit of up to $5,000, making it an attractive option for car enthusiasts or those who modify their vehicles.
4. Pet Injury Coverage: Progressive provides a unique benefit for pet owners through its pet injury coverage. If a pet is injured in a car accident, Progressive’s collision coverage will help pay for veterinary bills. This coverage is available in select states, but for pet owners who are concerned about the safety of their pets in the event of an accident, this is an excellent added benefit.

Discounts and Savings:

Progressive is known for its competitive pricing, and part of that affordability comes from the numerous discounts the company offers to its policyholders. With a focus on rewarding safe driving and other responsible behaviors, Progressive ensures that many drivers can find ways to save on their premiums. Here are some of the discounts available through Progressive:

1. Multi-policy Discount: Progressive gives customers a discount if they buy more than one type of insurance from them, like home and car insurance. It is a common discount among insurers, but Progressive’s competitive savings make it an attractive option for those looking to consolidate their insurance policies.
2. Multi-vehicle Discount: If a customer insures more than one vehicle on the same policy, Progressive provides a discount. It is an ideal option for households with multiple vehicles, allowing families to save money by putting all cars on a single policy.
3. Continuous Insurance Discount: Progressive offers a discount to drivers who have maintained continuous auto insurance coverage, even if it wasn’t with Progressive. This reward for staying insured, regardless of the insurer, encourages drivers to avoid coverage lapses, ensuring that they are always protected.
4. Good Driver and Student Discounts: Drivers who maintain a clean driving record can qualify for Progressive’s good driver discount. In addition, students who maintain good grades can also benefit from discounts. Progressive’s student discounts extend to young drivers who live more than 100 miles away from home and don’t drive while at school, helping families save on coverage for their children.
5. Snapshot Program: Progressive offers its Snapshot program, which allows drivers to earn discounts based on their driving behavior. By tracking driving habits through a mobile app or a device plugged into the car, drivers who exhibit safe driving behaviors such as smooth acceleration and safe speeds can receive personalized discounts when it comes time to renew their policy. This program is a great way to reward good drivers with lower rates.

How Progressive Stacks Up Against Other Insurers in 2025?

As of 2025, Progressive holds a strong competitive position compared to other major auto insurers like GEICO, State Farm, and Allstate. Its wide range of coverage options, including unique features like rideshare insurance and pet injury protection, gives it an edge for drivers seeking specialized policies.

Progressive’s Snapshot program also stands out for offering personalized savings based on real driving behavior, something not all competitors matches as effectively. While pricing is competitive, Progressive particularly shines for tech-savvy customers who value easy-to-use mobile tools and digital claims processing.

However, drivers looking for the absolute lowest rates might still want to compare quotes, as pricing can vary based on location and driving history.

Conclusion:

Progressive remains a strong contender in the auto insurance market, offering a broad range of coverage options, competitive discounts, and standout digital tools. Its specialized coverages, such as rideshare insurance and pet injury protection, set it apart from many competitors.

While rates may vary depending on location and driving history, many customers find Progressive’s value hard to beat. With flexible policies and strong customer service, Progressive proves it can meet the diverse needs of modern drivers.