InsuranceComplaintCheck

Progressive — Insurance Complaint Report

Progressive's Complaint Profile Shows Average Ratio with Payment Delays as a Key Issue

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AI Insurer Analysis

Progressive has accumulated 682 insurance complaints on record. Their NAIC complaint ratio of 1.05 is near the industry average, meaning they receive more complaints than expected for an insurer of their market size. With approximately 5.9% market share, Progressive is a major player in the insurance market. The most common complaint categories are: homeowners (12), auto (8). Progressive's complaint ratio is near the industry average, indicating a typical volume of customer grievances. The majority of complaints are related to payment issues, specifically 'Delayed payment' and 'Underpayment'. While auto insurance is a major offering, homeowners insurance also contributes to the complaint profile. The complaint data spans a recent period, suggesting these patterns are current. The insurer exhibits an average complaint volume with a recent concentration on payment-related issues. Areas of concern include: A significant portion of complaints are related to payment processing (delayed payment, underpayment).; Recent complaint volume (20 in the specified range) warrants attention, despite the average overall ratio.. On the positive side: Complaint ratio is near the industry average.; No reported regulatory actions..

Risk Breakdown

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Consumer Tips

When dealing with Progressive, keep these practical tips in mind: 1. When filing a claim, clearly document all communication and keep records of all submitted documentation. 2. If experiencing payment delays, follow up in writing and reference specific policy clauses. 3. Understand your policy's coverage for 'underpayment' and dispute if necessary with supporting evidence. Before purchasing a policy, compare Progressive's complaint ratio (1.05, near the industry average) with competitors offering similar coverage. Always read the full policy document, paying attention to exclusions and limitations. Document all communications with the insurer in writing. If you experience a dispute, file a complaint with your state Department of Insurance — it is free and often results in faster resolution.

Trend Analysis

The insurer exhibits an average complaint volume with a recent concentration on payment-related issues.

Frequently Asked Questions about Progressive

Is Progressive a good insurance company?

Progressive has 682 complaints on record. Their NAIC complaint ratio is 1.05, which is near the industry average. They hold approximately 5.9% market share. A complaint ratio below 1.00 indicates fewer complaints than expected for a company of this size; above 1.00 indicates more.

What are the most common complaints about Progressive?

The most common complaint categories for Progressive are: homeowners (12), auto (8). The leading specific issues are: Delayed payment (6), Coverage dispute (4), Underpayment (3).

How does Progressive compare to competitors?

Progressive's NAIC complaint ratio of 1.05 is near the industry average. Companies with ratios below 1.00 receive fewer complaints relative to their size. When comparing insurers, also consider financial strength ratings, coverage options, and premium pricing alongside complaint data.

Should I file a DOI complaint against Progressive?

If you have an unresolved dispute with Progressive, filing a complaint with your state Department of Insurance (DOI) is a free and effective option. Steps: (1) Gather all documentation including your policy, correspondence, and claim records. (2) Contact your state DOI — most Progressive complaints come from Kentucky. (3) File online or by mail. (4) The DOI typically responds within 30-45 days.

Are Progressive complaints getting better or worse?

Progressive has 682 total complaints. In the most recent data, 20 complaints were recorded across 2 coverage categories. Check the NAIC Consumer Information Source for the most current complaint ratio trends.

What insurance companies have the lowest complaint ratios?

Insurance companies with the lowest complaint ratios typically include mutual insurers and member-owned companies. To find alternatives to Progressive, compare NAIC complaint ratios for companies offering the same coverage types (homeowners, etc.). Your state DOI website provides complaint data specific to companies licensed in your state.

Has Progressive been fined or sanctioned by insurance regulators?

Regulatory action information is available through your state Department of Insurance and the NAIC. Progressive has 682 consumer complaints on record with a complaint ratio of 1.05. For specific regulatory actions, check the NAIC Regulatory Actions database and your state DOI enforcement records.

Which states have the most complaints against Progressive?

The states with the most complaints against Progressive are: Kentucky (2), New Mexico (1), Alabama (1), Hawaii (1), Vermont (1). This distribution may reflect the company's market presence in those states rather than indicating worse service in specific locations.

What patterns emerge from Progressive's complaint data?

The distribution of complaints across states is highly fragmented, with no single state dominating.

How does Progressive handle claims compared to peers?

The 'Delayed payment' sub-type is the most frequent complaint, highlighting a potential operational bottleneck.

What is the complaint trend for Progressive?

The insurer exhibits an average complaint volume with a recent concentration on payment-related issues.

What should prospective policyholders know about Progressive?

Homeowners insurance, though less prominent than auto, still generates a notable number of complaints.

Are there systemic issues in Progressive's complaint history?

The recency of the complaint data (March 2026) suggests these issues are ongoing.

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This analysis is based on NAIC complaint data and AI interpretation. Not legal, financial, or insurance advice.