Progressive Insurance Quote and Calculator Tools Explained
Independent guide. Not affiliated with Progressive.
Progressive has several insurance quote tools, and each estimates something different. The coverage calculator suggests limits, Name Your Price fits coverage to a budget, and only the quote gives your actual price. Here is how each tool works and how to compare Progressive fairly.
At a glance
- Who can buy
- General public.
- How you buy
- Online, by phone or through independent agents; Progressive says prices vary based on how you buy.
- Products
- Auto, motorcycle, RV and trailer, boat, home and renters (bundles), commercial auto and more.
- Availability
- Discounts and Snapshot details vary by state.
Progressive's quote tools: what each one estimates
| Tool | What it estimates | Gives a price? |
|---|---|---|
| Car insurance calculator | Which coverages and limits you may need, based on state requirements, vehicle value, assets and risk tolerance. Progressive says it recommends a minimum set of coverages. | No |
| Name Your Price | Coverage options that fit the amount you want to pay, within your lowest and highest possible Progressive rates. | Within a quote |
| AutoQuote Explorer | Comparison rates from other companies shown alongside your Progressive quote, per progressive.com. | Comparison |
| Snapshot | A personalized rate at renewal based on how, how much and when you drive. | At renewal |
Progressive notes that Name Your Price can't match prices from other insurers, and its lowest price may not include all the protection you want. To see how these tools stack up against GEICO's, Allstate's and The Hartford's, read our side-by-side guide to car insurance calculators by company.
Snapshot
Snapshot is usage-based insurance. In most states you get a discount just for participating, then a personalized rate at renewal; Progressive says your rate could increase with high-risk driving. You can use the mobile app or, where the app isn't available, a plug-in device (Snapshot).
Coverage options
Progressive's coverages include liability, collision, comprehensive and uninsured/underinsured motorist, plus:
- Loan/lease payoff (gap-type coverage for what you owe on a loan or lease)
- Roadside assistance
- Rental reimbursement and rideshare coverage
- Vehicle protection plans
Collision and comprehensive come with a deductible you choose; to test a $500 vs $1,000 choice with the prices from your own Progressive quotes, use our deductible break-even calculator.
Discounts
Names from Progressive's discount page; Progressive says not every discount is available in every state:
- Safe driver: three-year safe driving, five-year accident-free and five-year claim-free
- Snapshot
- Multi-policy and multi-car
- How you quote and buy: online quote, sign online, paperless, pay in full, automatic payment
- Continuous insurance, homeowner
- Teen driver, good student (B average or better) and distant student
Progressive also lists a Deductible Savings Bank and Accident Forgiveness among its savings tools.
Saved quotes and claims
Continue a previous quote at progressive.com/home-retrieve; where other carriers keep theirs is in our guide to retrieving a saved car insurance quote. Report a claim at Progressive claims; our sister site has a Progressive claim guide.
Who it suits, and who should look elsewhere
Worth quoting if
- You like to tune coverage to a budget (Name Your Price)
- You drive safely and are comfortable with Snapshot tracking
- You want to buy online, by phone or through an independent agent
Consider other carriers if
- You don't want a telematics result to be able to raise your renewal rate
- You want a single captive agent (look at State Farm or Farmers)
- You qualify for USAA or the AARP program and want to compare those first
How Progressive compares
A qualitative snapshot from each carrier's own website. It does not rank prices; your quote depends on your ZIP Code, vehicle, driving record and coverage choices.
| Carrier | Who can buy | How you buy | Telematics |
|---|---|---|---|
| Progressive | General public | Online, phone, independent agents | Snapshot |
| GEICO | General public | Online, phone, local agents | DriveEasy |
| Allstate | General public | Online, 24/7 chat, local agents | Drivewise, Milewise |
Coverage comparison from our sister site: Progressive vs GEICO.
Ratings and complaints
We link to the independent sources instead of restating scores, because ratings change. Look up Progressive on the NAIC Consumer Insurance Search (complaint data reported by state regulators) and check its financial strength rating with AM Best (free registration may be required).
Frequently asked questions
Does Progressive have a car insurance calculator?
Yes. Progressive's car insurance calculator estimates the coverages and limits you may need. It does not give a price; for that you need a quote.
What is the Name Your Price tool?
A quote tool where you say how much you want to pay and Progressive shows coverage options that fit, within its lowest and highest possible rates for you.
How does Progressive rate my quote?
Progressive says your cost is determined by factors like your age, location, driving record, vehicle type and usage, and Snapshot can personalize your rate at renewal. Our sister site explains how Progressive calculates your quote in detail.
Can I continue a Progressive quote later?
Yes, at progressive.com/home-retrieve.
Does Snapshot always lower my rate?
No. Progressive says most drivers save, but your rate could increase with high-risk driving.
Compare quotes by ZIP Code
Use the same limits and deductibles for every quote, so the price difference is real. The forms below continue to a partner site, not to Progressive.
Car insurance quotes
Home insurance quotes
Related guides
- GEICO quotes and coverage
- The General: full coverage and high-risk options
- Compare car insurance companies
Sources
Checked on October 4, 2026. Carrier pages change; the carrier's policy documents and its quote are what count.
- Progressive: Car insurance
- Progressive: Car insurance calculator
- Progressive: Name Your Price
- Progressive: Snapshot
- Progressive: Discounts
- Progressive: Continue a previous quote
- Progressive: Compare car insurance rates (AutoQuote Explorer)
- NAIC Consumer Insurance Search
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