Company review

Progressive Car Insurance Review

Updated August 2026

Progressive is one of the largest auto insurers in the United States and one of the biggest writers of car insurance in Florida — which matters, because scale in a state shapes how aggressively a company prices to keep growing there. It sells both directly and through the independent-agent channel, making it one of the few giants a local Florida agent can actually quote for you.

It's also historically one of the most important carriers for drivers the standard market treats roughly: Progressive built its early business on non-standard auto, and it remains one of the mainstream names most commonly associated with SR-22 filings. None of that tells you what it would charge you — but it explains why Progressive shows up in so many Florida comparisons.

Progressive at a glance


Founded	1937
Ownership	Publicly traded (NYSE: PGR)
AM Best financial strength	A+ (Superior)
How it sells	Direct online/phone and through independent agents
Telematics program	Snapshot (usage-based discount program)
Writes SR-22 / non-standard	Yes

Source: Company disclosures and AM Best public ratings

How Progressive sells in Florida

Progressive runs two doors side by side. You can buy directly — online or by phone — or through an independent insurance agency that quotes Progressive alongside other companies. That dual model is unusual among the largest carriers: GEICO is almost entirely direct, and State Farm sells through its own captive agents only.

For Florida drivers the practical consequence is choice of experience. If you want a person who can re-shop your policy at renewal against other carriers, an independent agent can hold your Progressive policy; if you'd rather manage everything in an app, the direct side is built for that.

Snapshot and how Progressive prices

Snapshot is Progressive's usage-based program: it monitors driving through a mobile app or plug-in device, and the company applies a discount — or in some states a surcharge — based on how you actually drive. Programs like this tend to reward low-mileage, smooth-braking, daytime drivers most.

Like every major insurer, Progressive prices on dozens of rating factors, and its appetite shifts by state and by year. That's why its quote can be the lowest one driver sees and mid-pack for their neighbor — and why no review, including this one, can tell you your price.

SR-22s, FR-44s and the non-standard side

Progressive is one of the mainstream companies most often associated with financial-responsibility filings. For Florida drivers that matters twice: SR-22 filings after violations like driving uninsured, and the stricter FR-44 after DUI-related convictions, which requires 100/300/50 liability limits — far above the state's usual minimums.

If you need a filing, the practical move is still to compare: specialist non-standard carriers compete hard for exactly this business in Florida, and the spread between quotes on a filing profile is typically wider than for clean drivers.

Profiles Progressive tends to fit

Educational patterns from how the company positions itself — not a recommendation. The only way to know your price is to compare quotes.

Drivers who want a big-carrier policy that a local independent agent can quote and service
Drivers comparing quotes after an SR-22 or FR-44 requirement, alongside non-standard specialists
Low-mileage or careful drivers open to telematics discounts through Snapshot
Bundlers — Progressive writes auto alongside home, renters, boat and motorcycle through partners

See how Progressive compares for your profile

One company's average tells you nothing about your quote. Compare several side by side — free, about 2 minutes.

Compare rates

Frequently asked questions

Does Progressive file SR-22s and FR-44s in Florida?+

Progressive is one of the mainstream carriers most commonly associated with financial-responsibility filings, including Florida's FR-44 after DUI-related convictions. Availability and pricing depend on your specific record — compare a filing quote against non-standard specialists before deciding.

Is Progressive cheap in Florida?+

Sometimes — for some profiles. Every insurer prices Florida's rating factors differently, so Progressive can be the lowest quote for one driver and unremarkable for another. Statewide, full coverage in Florida typically runs about $2,786–$2,953 a year, so the spread between quotes is worth real money.

What is Snapshot and should I use it?+

Snapshot is Progressive's usage-based discount program — an app or device that scores your actual driving. It tends to favor low-mileage, smooth drivers; heavy night driving and hard braking work against you. In some states results can raise rates, so read the current program terms for Florida before enrolling.

Progressive direct or through an agent — what's the difference?+

The policy comes from the same insurer either way. Direct means you manage it yourself online or by phone; through an independent agent means a local office quotes, services, and can re-shop it against other carriers at renewal. Pick the experience you'd actually use.

ShowMyRates is an independent comparison service and is not affiliated with, endorsed by, or sponsored by Progressive. Company names and marks are trademarks of their respective owners. Information reflects public company disclosures and may change; verify details with the insurer. See our editorial policy.

Ready to see your real rates?

Free, takes about 2 minutes, and you choose who contacts you.

See my rates