Progressive Commercial review
Updated June 2026 · progressivecommercial.com
Scorecard
| NAIC complaints | ▴ ≈3.0 · commercialCommercial auto index ~2.96; commercial property ~3.04 — roughly 3x expected complaints |
|---|---|
| AM Best | A+ (Superior) |
| Trustpilot | 1.5 / 5 (~45 reviews on the commercial profile (June 2026 snapshot — small sample)) |
| BBB | A+ (not accredited) |
| Founded | Progressive founded 1937; commercial division since 1971 |
| Ownership | The Progressive Corporation (NYSE: PGR); HQ Mayfield Village, Ohio. |
| Who holds the paper | Commercial auto written by Progressive Casualty and affiliates. Crucially: GL, BOP, workers' comp and professional liability are mostly placed with PARTNER carriers through its BusinessQuote Explorer — Progressive doesn't underwrite them itself. |
| Pricing | Commercial auto averages ~$257/mo for contractors up to ~$1,041/mo for for-hire transport (Insurance.com, 2026). Auto premiums skew above industry average. |
| Availability | Nationwide; the dominant commercial-auto insurer in the country, often with same-day coverage. |
The claims verdict
Concerning on the commercial book. Progressive is dominant, financially strong and unbeatable on speed for commercial auto — but the regulator data is unflattering: complaint indices around 3x expected on commercial auto and property (MoneyGeek, 2026), a 1.5/5 Trustpilot, and recurring reports of unresponsive adjusters. And outside auto it's effectively a marketplace — your GL or BOP claim is handled by whichever partner carrier underwrote it. Buy for the auto specialization; set claims expectations accordingly.
What the regulator data says
The favorable complaint figures Progressive is known for describe its PERSONAL auto book. The commercial lines that matter to a small business score badly: ~2.96 for commercial auto and ~3.04 for commercial property against a 1.00 baseline (MoneyGeek, 2026) — about three times the complaints expected for its size.
Source: MoneyGeek 2026 (NAIC commercial-lines indices)
What customers report
Themes paraphrased from Trustpilot (1.5 / 5, ~45 reviews on the commercial profile (June 2026 snapshot — small sample)) and BBB (A+ (not accredited)) — not verbatim quotes. Customer reviews near 1/5 — the gap between the letter grade and the commercial NAIC indices is the story.
What they love
- Same-day commercial auto coverage, online or by phone
- Real specialization across trucks, contractor vehicles, for-hire and fleets
- Scale and A+ financial strength
The gripes
- Claims delays; adjusters described as slow or unresponsive — 'had to chase them'
- Frequent price increases and unexpected policy changes
- High complaint volume versus peers on the commercial book
What practitioners say
Recurring themes from small-business communities and forums, paraphrased:
- Owner-operator and trucking threads report adjusters taking little action and weak claims communication
- Renewal price hikes are a constant theme
- Still acknowledged as the fastest, most accessible way to bind commercial auto
Best for
Owner-operators, contractors and small fleets that need commercial auto bound fast from the market leader.
Look elsewhere if
Buyers prioritizing claims responsiveness, or anyone who wants one accountable carrier underwriting their whole package rather than brokering parts of it out.
Coverage offered
- Commercial auto (the flagship — #1 US writer, ~15% market share)
- Trucking / for-hire transport
- General liability (via partner carriers)
- BOP (via partner carriers)
- Workers' compensation (via partner carriers)
Scale & who uses them
#1 US commercial auto insurer with ~15% market share (NAIC data, cited 2026).
Decided Progressive Commercial fits?
Quotes happen on the insurer's own site — we never collect your details.
Get a quote at progressivecommercial.com ↗Disclosure: some links to insurers may be affiliate links — if you get a quote through them we may earn a commission, at no cost to you. That never changes the data: complaint figures, ratings and review themes are reported as published, sources cited and dated. We are not an insurance agent or broker, and nothing here is advice. How we score
Sources
- https://www.moneygeek.com/insurance/business/progressive-review/
- https://www.insurance.com/small-business/progressive-commercial-auto-insurance/
- https://www.trustpilot.com/review/www.progressivecommercial.com
- https://www.progressivecommercial.com/about-us/our-history/
Review figures reflect snapshots taken June 2026 and change over time. NAIC complaint data is published by the National Association of Insurance Commissioners' Consumer Information Source; index values cited as facts with attribution. Conclusions are our editorial opinion based on the data disclosed above.