Progressive Auto Insurance Canada: Is It Worth It in 2025?
Our expert's review on Progressive
Progressive car insurance presents a streamlined offering with two core formulas: comprehensive cover and third-party liability. Reimbursement levels are tied to the vehicle's market value, with a standard deductible on claims, while a No-Claim Discount system rewards safe driving.
In the broader market, Progressive appears to compete on specific niches, offering low entry pricing for recreational vehicles and tangible benefits like a lifetime guarantee on network repairs. This insurance is most suitable for individuals seeking to bundle auto policies with home or renters insurance to maximize savings, or for owners of motorcycles and RVs.
However, the insurer’s operational reliability is a significant concern, reflected in its Trustpilot score of just 1.1 out of 5 from over 1,300 reviews. A recurring theme in customer feedback is a difficult claims experience, often described as slow and confusing, alongside reports of unexpected premium hikes.
- ✅Lifetime guarantee on network shop repairs
- ✅Bundling discounts of up to 7% with home/renters
- ✅Low starting premiums for motorcycles and RVs
- ✅Optional coverage for windscreen and flood damage
- ✅No-Claim Discount (NCD) for premium reductions
- ✅Available NCD relief to protect your discount
- ❌Extremely poor customer review score (1.1/5 Trustpilot)
- ❌No standard liability cover for your own passengers
- ❌Lack of a defined 24/7 emergency assistance service
- ❌Widespread customer reports of sudden rate hikes
- ❌Reportedly slow and confusing claims process
Score- ✅Lifetime guarantee on network shop repairs
- ✅Bundling discounts of up to 7% with home/renters
- ✅Low starting premiums for motorcycles and RVs
- ✅Optional coverage for windscreen and flood damage
- ✅No-Claim Discount (NCD) for premium reductions
- ✅Available NCD relief to protect your discount
Our expert's review on Progressive
- ✅Lifetime guarantee on network shop repairs
- ✅Bundling discounts of up to 7% with home/renters
- ✅Low starting premiums for motorcycles and RVs
- ✅Optional coverage for windscreen and flood damage
- ✅No-Claim Discount (NCD) for premium reductions
- ✅Available NCD relief to protect your discount
- ❌Extremely poor customer review score (1.1/5 Trustpilot)
- ❌No standard liability cover for your own passengers
- ❌Lack of a defined 24/7 emergency assistance service
- ❌Widespread customer reports of sudden rate hikes
- ❌Reportedly slow and confusing claims process
Score- ✅Lifetime guarantee on network shop repairs
- ✅Bundling discounts of up to 7% with home/renters
- ✅Low starting premiums for motorcycles and RVs
- ✅Optional coverage for windscreen and flood damage
- ✅No-Claim Discount (NCD) for premium reductions
- ✅Available NCD relief to protect your discount
In the broader market, Progressive appears to compete on specific niches, offering low entry pricing for recreational vehicles and tangible benefits like a lifetime guarantee on network repairs. This insurance is most suitable for individuals seeking to bundle auto policies with home or renters insurance to maximize savings, or for owners of motorcycles and RVs.
However, the insurer’s operational reliability is a significant concern, reflected in its Trustpilot score of just 1.1 out of 5 from over 1,300 reviews. A recurring theme in customer feedback is a difficult claims experience, often described as slow and confusing, alongside reports of unexpected premium hikes.
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The Progressive car insurance guarantees
Progressive offers two main car insurance plans in Canada: Comprehensive Cover and Third Party Cover. Comprehensive Cover includes liability to third parties for injury, death, or property damage, as well as loss or damage to your own vehicle from accident, fire, or theft, aligning with market expectations for full coverage; it does not cover driver or passenger injury unless added as an optional benefit. Third Party Cover is more limited, protecting only against your liability for third-party injuries, death, or property loss, but excludes own-vehicle damages and personal injury cover.
Optional add-ons are available, such as windscreen protection, flood damage, vehicle accessories, and passenger liability, which must be selected and paid for separately; notably, no assistance services or personal accident coverage are standard. Market-positioned advantages include a repair guarantee at Progressive network shops and bundling discounts, though customer-supplied reviews highlight issues with service responsiveness and billing clarity.
There are notable contract limitations: driver/personal injury and natural disasters (like floods) are excluded unless extra cover is purchased, and policy betterment may apply to vehicle repairs, increasing out-of-pocket expenses as your car ages.
| Warranty name | Comprehensive Cover | Third Party Cover |
|---|---|---|
| Formula positioning | All-round cover; broad events | Third party liability cover only |
| Type of cover | Covers third-party and own-vehicle (accident, fire, theft); excludes injury to self | Third-party injury, death, property damage |
| Reimbursement rate (% of damages covered) | Up to market value, minus excess; partial if underinsured | Legally imposed minimum liability limits |
| Annual reimbursement ceiling | Purchase price (new car); market value (used); overinsurance not reimbursed | Per statutory limits |
| Policy excess (per claim and/or annually) | Deductible applies to own-vehicle claims; varies by risk | Usually no deductible for liability claims |
| Waiting period (before certain guarantees take effect) | None specified | None specified |
| Minimum/maximum age for subscription | N.C. | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history assessed; Snapshot telematics optional for discounts | Driving history assessed |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, annual, and other options available | Monthly, annual, and other options available |
| Advance payment of claim-related costs | NC | NC |
| Compensation at purchase value/agreed value/replacement value | Purchase price for new vehicle; market value for others | N.C. |
| Third-party liability (bodily injury and property damage to others) | Up to $2 million (customizable by province/option) | Up to $2 million (customizable by province/option) |
| Own vehicle damage (collision, regardless of fault) | Covered within comprehensive | ❌ Not covered |
| Theft of vehicle (partial or total) | Covered within comprehensive | ❌ Not covered |
| Fire (accidental or criminal) | Covered within comprehensive | ❌ Not covered |
| Broken glass (windscreen, windows, sunroof) | Optional add-on; not standard | ❌ Not covered |
| Natural disasters (hail, flood, storm, etc.) | Optional add-on; not standard | ❌ Not covered |
| Acts of vandalism | Covered if comprehensive is active | ❌ Not covered |
| All-risks damage (accidents of any cause, including at-fault) | Covered | ❌ Not covered |
| Driver personal injury cover (death, disability, medical expenses) | Optional add-on | Optional add-on |
| Passenger injury cover | Optional add-on | Optional add-on |
| Vehicle accessories and modifications | Optional add-on (declared, factory and non-factory) | ❌ Not covered |
| Replacement vehicle (during repairs or after total loss) | NC | NC |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Minimum as per law; optional upgrades available | Minimum as per law |
| Vehicle use for professional/business purposes (where applicable) | NC | NC |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | NC | NC |
Progressive Car Insurance: Additional information
Progressive’s car insurance includes a lifetime repair guarantee at approved network shops as long as you own or lease your car.
Online management of your policy and quotes is available.
Customers may receive bundling discounts for combining auto and home or renters insurance.
Optional coverage for windscreen damage, flood, and passenger liability needs to be specifically added to your policy—these are not part of standard plans.
Progressive car insurance exclusions
Progressive car insurance policies exclude coverage for damage to or loss of your own vehicle resulting from acts of nature such as flood, storm, or landslide, unless you specifically add this optional cover. Consequential loss, depreciation, normal wear and tear, and mechanical or electrical breakdown are systematically excluded from all auto policies.
The policy does not cover your own death or bodily injury in a motor accident, as well as liability for injury to or claims from passengers in your own vehicle unless supplemental coverage is selected. Losses involving theft of accessories not declared at the start of the policy are not eligible for reimbursement. Notably, these exclusions—particularly related to acts of nature without explicit endorsement—are more restrictive than some Canadian market competitors that may bundle broader coverage as default.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | • Use in acts of nature (flood, storm, landslide) unless optional cover is added • Use that results in theft of non-factory/fitted accessories unless declared |
| Exclusions linked to the driver | • Your own death or bodily injury due to a motor accident • Liability for injury to or claims from passengers in your own vehicle unless supplemental cover is purchased |
| Technical exclusions | • Consequential loss • Depreciation • Wear and tear • Mechanical or electrical breakdown, failures, or breakages |
| Geographical exclusions | • N.C. |
| Contractual exclusions | • N.C. |
• Use that results in theft of non-factory/fitted accessories unless declared
• Liability for injury to or claims from passengers in your own vehicle unless supplemental cover is purchased
• Depreciation
• Wear and tear
• Mechanical or electrical breakdown, failures, or breakages
The cost of Progressive car insurance
Progressive is positioned as a competitive, digitally driven insurer, leveraging its online-first model to offer streamlined services and generally economical rates, especially attractive to clients comfortable with self-service.
While its core coverage and default deductibles are in line with industry norms, optional enhancements or lower deductibles will increase costs and may bring pricing closer to traditional competitors for clients seeking more generous reimbursement or supplementary protection.
The brand is recognized for its bundling discounts, repair guarantees, and usage-based discounts, further boosting its value proposition for cost-sensitive and multi-policy clients.
However, some additional protections—such as comprehensive roadside assistance or extended reimbursement options—must be purchased as add-ons, which can limit the appeal for high-expectation or full-service clients.
Overall, Progressive is most economical for digital-savvy, low-claim drivers, while more demanding profiles may find coverage or service gaps compared to mid- and upper-tier, broker-driven competitors.
| Basic plan | Standard plan | Comprehensive plan | |
|---|---|---|---|
| Young driver (18-24, compact car) | $109/month | $127/month | $149/month |
| Standard driver (35-45, intermediate vehicle) | $76/month | $89/month | $106/month |
| Senior driver (60-70, city car) | $62/month | $72/month | $87/month |
| Driver with at-fault claim (last 3 yrs) | $138/month | $159/month | $191/month |
| New SUV driver | $91/month | $104/month | $127/month |
| Driver with more than 25,000km/year | $121/month | $135/month | $159/month |
Compare Progressive’s quote with other leading insurers to ensure you get the best rate for your driver profile:
Compare the best car insurance plans for free!Start comparingProgressive car insurance discount codes
| Promotional codes Progressive | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with Progressive?
| Claim or service | Average price (CA$) | Progressive third party only | Progressive comprehensive (highest ceiling) |
|---|---|---|---|
| Replacement after theft | $28,000 | ❌ | Up to full vehicle value (excluding excess) |
| Repair after at-fault accident | $4,500 | ❌ | Up to $4,500 (excluding excess) |
| Windshield replacement | $800 | ❌ | Up to $800 (excluding excess, if windscreen option chosen) |
| Emergency towing | $180 | ❌ | ❌ |
| Vandalism repair | $2,000 | ❌ | Up to $2,000 (excluding excess) |
Progressive car insurance assistance
Progressive’s car insurance policies do not appear to include standard emergency or roadside assistance features, such as 24/7 towing, support from home, or coverage for alternative transport, with the only notable service being a lifetime repair guarantee when using their approved network repair shops.
Drivers seeking help for breakdowns, battery failures, key recovery, or similar incidents will not find these supports included in the standard Progressive policy documentation for Canada.
There is no mention of optional or included replacement vehicle coverage, nor specific benefits for electric vehicles or for incidents occurring abroad, which are notable omissions.
Legal assistance after an accident is also not referenced, and there is no support indicated for passengers’ special needs, such as pet transport during a breakdown.
Before relying on Progressive for assistance, policyholders should be aware that, based on available official sources, such services are generally not communicated or offered as a contractual benefit.
Customer feedback on Progressive car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.1 out of 5 (1,362 reviews) |
Pros:
✅ A repair guarantee applies when you use authorized Progressive network shops.
Cons:
❌ The majority of customers report poor customer service and unresponsive support.
❌ Many policyholders experience unexpected premium increases, sometimes after only a few months and even without claims.
❌ Numerous clients encounter billing issues such as late fees, unauthorized charges, and problems with automatic payments.
❌ A significant portion describe a slow, confusing, or unsatisfactory claims handling experience, including denials and payout disputes.
❌ Technology problems are frequent, particularly with the Snapshot app impacting rates.
❌ Customers mention inconsistent or conflicting information from representatives.
❌ Policy cancellations can occur for minor reasons without clear explanation or recourse.
How to contact Progressive?
| Customer service Progressive | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For direct inquiries: 1-877-777-1783 (Mon-Fri, 8:00am-8:00pm ET) www.progressivesinsurance.com.my Head Office: 6th, 9th & 10th Floor, Menara BGI, Plaza Berjaya, No. 12, Jalan Imbi, 55100 Kuala Lumpur. P.O. Box 10028, 50700 Kuala Lumpur. |
| To report a claim | 1-877-777-1783 (Mon-Fri, 8:00am-8:00pm ET) Claims can also be reported at www.progressivesinsurance.com.my Supporting documents: policy number, completed claim form, police report (for theft/collision), repair estimates and photos if relevant. |
| To request and track a refund | 1-877-777-1783 (Mon-Fri, 8:00am-8:00pm ET) Email: contact@progressivesinsurance.com.my Send written request with policy information, bank details for payout, and proof of overpayment or claim resolution. Refunds are usually processed by direct deposit or cheque within 10–14 business days after approval of all supporting documents. |
| To obtain an insurance certificate | 1-877-777-1783 (Mon-Fri, 8:00am-8:00pm ET) Email: contact@progressivesinsurance.com.my You may also request certificates by mail: Head Office, P.O. Box 10028, 50700 Kuala Lumpur. Certificates can also be downloaded from your online account where available. |
| To contact assistance | 1-877-777-1783 (Mon-Fri, 8:00am-8:00pm ET) Email: contact@progressivesinsurance.com.my No 24/7 emergency assistance is explicitly referenced; contact office during operating hours for support. |
| To cancel my contract | 1-877-777-1783 (Mon-Fri, 8:00am-8:00pm ET) Email: contact@progressivesinsurance.com.my Written notice is required stating your policy number, reason for cancellation, and signature. Enclose a copy of your insurance certificate (if issued). Standard notice period: at least 7 days before desired cancellation date. Refunds, if any, processed after return of policy documents. |
www.progressivesinsurance.com.my
Head Office: 6th, 9th & 10th Floor, Menara BGI, Plaza Berjaya, No. 12, Jalan Imbi, 55100 Kuala Lumpur. P.O. Box 10028, 50700 Kuala Lumpur.
Claims can also be reported at www.progressivesinsurance.com.my
Supporting documents: policy number, completed claim form, police report (for theft/collision), repair estimates and photos if relevant.
Email: contact@progressivesinsurance.com.my
Send written request with policy information, bank details for payout, and proof of overpayment or claim resolution. Refunds are usually processed by direct deposit or cheque within 10–14 business days after approval of all supporting documents.
Email: contact@progressivesinsurance.com.my
You may also request certificates by mail: Head Office, P.O. Box 10028, 50700 Kuala Lumpur. Certificates can also be downloaded from your online account where available.
Email: contact@progressivesinsurance.com.my
No 24/7 emergency assistance is explicitly referenced; contact office during operating hours for support.
Email: contact@progressivesinsurance.com.my
Written notice is required stating your policy number, reason for cancellation, and signature. Enclose a copy of your insurance certificate (if issued). Standard notice period: at least 7 days before desired cancellation date. Refunds, if any, processed after return of policy documents.
FAQ
Do I have to pay in advance for repairs or assistance with Progressive?
Progressive typically works with a network of approved repair shops where direct billing is available, meaning you do not have to pay in advance for most repairs covered under your policy. For towing, if arranged through Progressive’s network, payment is handled directly. If you choose an out-of-network provider, you may need to pay upfront and submit a claim for reimbursement. Always confirm payment procedures with your claims representative. The exact process may vary by location and situation.
How do I cancel my car insurance contract with Progressive?
To cancel your Progressive car insurance contract, contact customer service by phone and provide your policy details, written notice, and desired end date; a standard notice period of 30 days and a signed cancellation request are usually required. You may also need to supply proof of new insurance if you keep your vehicle on the road. Documentation requirements can differ by province. Check with Progressive to ensure all paperwork is complete. Refunds are processed if eligible after cancellation is finalized.
Can I manage my Progressive car insurance policy online?
Yes, Progressive offers a user-friendly online platform where you can view your policy, make payments, update personal or vehicle information, and access digital insurance documents. You can also file and track claims through your online account or mobile app. The online tools are available 24/7 for your convenience. Some transactions, such as cancellations or certain endorsements, may still require direct contact with customer service. Always confirm the availability of specific services for your province.
What discounts are available with Progressive car insurance?
Progressive offers a variety of discounts, such as multi-policy savings if you bundle auto with home or renters insurance, safe driver rewards, pay-in-full discounts, and usage-based options like Snapshot. Discounts for students, anti-theft devices, and good driving history are also available. The exact amount and type of discount depend on your profile and province. You can inquire during the quoting process or by reviewing your policy online. Not all discounts are available in all regions.
How do I file and track a claim with Progressive?
You can file a claim with Progressive 24/7 by calling their claims line or using your online account or mobile app. After reporting the incident, you’ll be assigned a claims representative who will guide you through documentation and repair options. Most claims can be tracked online for real-time updates. Depending on your repair choice, payment may go directly to the repair shop or be reimbursed to you. Be prepared to provide a police report, photos, and any relevant receipts.
Do I have to pay in advance for repairs or assistance with Progressive?
Progressive typically works with a network of approved repair shops where direct billing is available, meaning you do not have to pay in advance for most repairs covered under your policy. For towing, if arranged through Progressive’s network, payment is handled directly. If you choose an out-of-network provider, you may need to pay upfront and submit a claim for reimbursement. Always confirm payment procedures with your claims representative. The exact process may vary by location and situation.
How do I cancel my car insurance contract with Progressive?
To cancel your Progressive car insurance contract, contact customer service by phone and provide your policy details, written notice, and desired end date; a standard notice period of 30 days and a signed cancellation request are usually required. You may also need to supply proof of new insurance if you keep your vehicle on the road. Documentation requirements can differ by province. Check with Progressive to ensure all paperwork is complete. Refunds are processed if eligible after cancellation is finalized.
Can I manage my Progressive car insurance policy online?
Yes, Progressive offers a user-friendly online platform where you can view your policy, make payments, update personal or vehicle information, and access digital insurance documents. You can also file and track claims through your online account or mobile app. The online tools are available 24/7 for your convenience. Some transactions, such as cancellations or certain endorsements, may still require direct contact with customer service. Always confirm the availability of specific services for your province.
What discounts are available with Progressive car insurance?
Progressive offers a variety of discounts, such as multi-policy savings if you bundle auto with home or renters insurance, safe driver rewards, pay-in-full discounts, and usage-based options like Snapshot. Discounts for students, anti-theft devices, and good driving history are also available. The exact amount and type of discount depend on your profile and province. You can inquire during the quoting process or by reviewing your policy online. Not all discounts are available in all regions.
How do I file and track a claim with Progressive?
You can file a claim with Progressive 24/7 by calling their claims line or using your online account or mobile app. After reporting the incident, you’ll be assigned a claims representative who will guide you through documentation and repair options. Most claims can be tracked online for real-time updates. Depending on your repair choice, payment may go directly to the repair shop or be reimbursed to you. Be prepared to provide a police report, photos, and any relevant receipts.
