Auto-Owners vs Progressive
Last updated July 2026
Auto-Owners
The 'no problem' people
Advantages
- Consistently top J.D. Power scores for claims and customer satisfaction
- Diminishing deductible and accident forgiveness available on eligible policies
- Green Deductible waives up to $250 of your deductible for a claim-free year
- Strong bundling discounts with home, life, and umbrella policies
- Available in 26 states across the Midwest, Southeast, and Mid-Atlantic
Drawbacks
- Quotes only through independent agents, no online purchase
- Not available on the West Coast or in the Northeast
- Digital tools trail Progressive and Geico for on-the-go management
Progressive
Name your price
Advantages
- Snapshot telematics can deliver large discounts for safe drivers
- Competitive rates for high-risk, young, and SR-22 drivers
- Name Your Price tool helps find coverage that fits your budget
- Comparison tool shows competitor rates alongside Progressive's
- Strong bundling options including boat, motorcycle, and RV
Drawbacks
- Base rates without Snapshot can be higher than Geico
- Customer service satisfaction scores trail some competitors
- Snapshot can increase your rate if you have poor driving habits
- Claims process satisfaction is middling in surveys
Auto-Owners and Progressive both play in auto insurance, but they're aimed at different buyers. Auto-Owners is built for drivers in Auto-Owners' 26 states who want elite service and don't mind an agent-only process. Progressive is built for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Auto-Owners | Progressive |
|---|---|---|
| Typical Monthly Cost | Avg $115-$170/mo before bundling | $130-$160/mo national average |
| Quote Process | Independent agent only | Online with competitor comparison tool |
| Available Discounts | Multi-policy, safe driver, diminishing deductible, paid-in-full, good student | Snapshot, multi-policy, homeowner, paid-in-full |
| Claims Experience | 24/7 phone, agent-assisted, app for basic submission | App, phone, local adjusters in some areas |
| Customer Support | Independent agents, phone | -- |
| Coverage Options | Liability, collision, comprehensive, gap, roadside, rideshare in some states | -- |
| Mobile App Quality | Basic, ID cards, payments, simple claim start | Good, Snapshot integration, policy management |
| Bundling Options | Auto, home, life, umbrella, business, boat | Direct, auto, home, boat, motorcycle, RV |
| Telematics Program | -- | Snapshot, mature, well-proven program |
| High-Risk Drivers | -- | Strong, one of the best for high-risk drivers |
Auto-Owners Wins
Auto-Owners takes it overall (9/10 vs 8/10), but Progressive is still the sharper pick for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts.
Auto-Owners's standout strength: Consistently top J.D. Power scores for claims and customer satisfaction. Its biggest drawback (quotes only through independent agents, no online purchase) is easier to live with than Progressive's (base rates without Snapshot can be higher than Geico). Progressive isn't out of the running though — its own standout strength is snapshot telematics can deliver large discounts for safe drivers. If you fit the profile of high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts, that alone can flip the decision.
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