Start with how you would buy and get service. Then confirm any optional program and the exact underwriting company named on the proposal before you compare the price.
Check these facts: Progressive: auto insurance shopping paths (opens in a new tab) · Progressive: Snapshot (opens in a new tab)
Before you request a price
Check how Progressive sells and services a policy
Open the company's own pages to confirm how you can buy, get service and use any optional program. These links help you verify the offer; they do not signal an endorsement or quote partnership.
Build a direct proposal
Progressive offers online and phone quote paths. Save the driver, vehicle, limits, deductibles and effective date used for the direct result.
Locate an independent agent
Progressive also offers an agent route. Ask which insurers the agency can quote and label the channel on every proposal returned.
Evaluate Snapshot separately
Snapshot uses how, how much and when a vehicle is driven. Its availability and pricing treatment vary, so it should be a separate decision from carrier selection.
Optional program check
Snapshot changes the comparison inputs
Progressive describes Snapshot as using how, how much and when a person drives. The company says participation and pricing vary, that higher-risk driving can increase rates in some states, and that Snapshot is not available in California or through every agent.
Progressive program records: Progressive: Snapshot (opens in a new tab)
Put these answers beside the price
- Ask whether the selected direct or agent channel can offer Snapshot at the garaging address.
- Review the driving factors and the state-specific rule for a higher-risk result.
- Compare a standard proposal and a Snapshot proposal using identical coverage.
Decision worksheet
Questions to answer before choosing Progressive
Put the answer beside the proposal—not in a separate note—so it remains attached to the limits, deductibles, drivers and effective date being compared.
Was the proposal produced directly or by an independent agent?
The source determines who can explain and service the policy and which other insurers may have been compared.
Verify: Progressive: auto insurance shopping paths (opens in a new tab)
Are the direct and agent proposals using identical inputs?
Channel comparisons only work when drivers, vehicles, limits, deductibles and dates match.
Verify: Progressive: auto insurance shopping paths (opens in a new tab)
Is Snapshot available through the selected route?
Progressive says the program is not available through every agent and its terms vary by state.
What happens after a higher-risk Snapshot result?
The program disclosure says rates may increase for higher-risk driving in some states.
Check availability at your address
A national company profile cannot establish that a product, program or filing is available at one address. Start with the all-state car insurance directory, review the rules where the vehicle is garaged, and then ask Progressive to confirm the exact product and underwriting company on the proposal.
To compare this company with another insurer, return to the company reviews. Keep the drivers, vehicles, limits, deductibles and effective date identical across proposals.
Check the facts
Company records used on this page
Reviewed August 2026. First-party links document the company, shopping paths, service routes and programs. AM Best links identify a named company or rating unit; they are not price or service scores.
- CompanyProgressive: company history (opens in a new tab)
First-party founding, distribution and company-history information.
- Shopping and serviceProgressive: auto insurance shopping paths (opens in a new tab)
First-party online, phone and independent-agent quote and policy-service entry points.
- ProgramProgressive: Snapshot (opens in a new tab)
Current program operation, data factors and state-dependent pricing disclosures.
- Financial strengthAM Best: Progressive Casualty Insurance Company disclosure (opens in a new tab)
The rating applies to the named underwriting company and its AM Best group rating.
Financial-strength ratings are opinions about an insurer's ability to meet ongoing obligations. Confirm the current rating and the exact underwriting company named on a quote or policy.
Progressive comparison questions
ShowMyRates is an independent comparison service and is not affiliated with, endorsed by, or sponsored by Progressive. Official company links are provided for research and do not identify quote partners or personalized matches. Company names and marks belong to their respective owners. See our editorial policy.