Name: HonestPolicy Grade — Progressive
Creator: HonestPolicy

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Progressive underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: A score 61.0/100 · composite relative index 0.64 · 7 signals

Signals

Signal	Year	Group complaints	Group exposure base	Market complaints	Market exposure base	Relative index	Weight
TX Automobile	2025	363	3,306,125	2,480	15,044,798	0.67^[tx]	0.3
TX Automobile	2024	213	2,968,515	1,594	14,898,976	0.67^[tx]	0.12
CA Automobile	2025	71	2,292,604	1,786	28,998,865	0.50^[ca_auto]	0.2
CA Automobile	2024	49	2,292,604	1,388	28,998,865	0.45^[ca_auto]	0.12
CA Automobile	2023	48	2,292,604	857	28,998,865	0.71^[ca_auto]	0.08
NY Automobile	2024	62	$2,063.9M	629	$18,428M	0.88^[ny]	0.12
NY Automobile	2023	47	$1,749.2M	445	$16,202M	0.98^[ny]	0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)	Company	Complaints	Exposure base	Regulator's own ratio
TX · 2025	PROGRESSIVE COUNTY MUTUAL INSURANCE COMPANY (NAIC 29203)	361	3,306,121	0.66 (TDI index)
TX · 2025	UNITED FINANCIAL CASUALTY COMPANY (NAIC 11770) (tiny book — below the credibility floor on its own)	2	4	3035.71 (TDI index)
TX · 2024	PROGRESSIVE COUNTY MUTUAL INSURANCE COMPANY (NAIC 29203)	212	2,968,511	0.67 (TDI index)
TX · 2024	UNITED FINANCIAL CASUALTY COMPANY (NAIC 11770) (tiny book — below the credibility floor on its own)	1	4	2338.37 (TDI index)
CA · 2025/2024/2023	PROGRESSIVE DIRECT INSURANCE COMPANY (CDI rank 6)	4 (3yr)	162,367	2025: 0.6, 2024: 1.3, 2023: 0.7 (per 100k)
CA · 2025/2024/2023	PROGRESSIVE SELECT INSURANCE COMPANY (CDI rank 31)	38 (3yr)	337,462	2025: 4.4, 2024: 3.2, 2023: 3.0 (per 100k)
CA · 2025/2024/2023	UNITED FINANCIAL CASUALTY COMPANY (CDI rank 23)	82 (3yr)	1,236,252	2025: 2.8, 2024: 2.5, 2023: 2.5 (per 100k)
CA · 2025/2024/2023	DRIVE INSURANCE COMPANY (CDI rank 28)	44 (3yr)	556,523	2025: 3.6, 2024: 1.7, 2023: 3.0 (per 100k)
NY · 2024	Progressive Advanced Insurance Company (NAIC 11851)	11 (upheld, of 222 total)	$698.9M (premiums)	0.015739826 (DFS ratio, rank 57)
NY · 2024	Progressive Casualty Insurance Company (NAIC 24260)	40 (upheld, of 241 total)	$683.5M (premiums)	0.058523331 (DFS ratio, rank 85)
NY · 2024	Progressive Direct Insurance Company (NAIC 16322) (tiny book — below the credibility floor on its own)	3 (upheld, of 87 total)	$24.5M (premiums)	0.122365841 (DFS ratio, rank 101)
NY · 2024	Progressive Max Insurance Company (NAIC 24279)	5 (upheld, of 91 total)	$284.1M (premiums)	0.017596576 (DFS ratio, rank 61)
NY · 2024	Progressive Northwestern Insurance Company (NAIC 42919)	1 (upheld, of 13 total)	$45.3M (premiums)	0.022093321 (DFS ratio, rank 62)
NY · 2024	Progressive Specialty Insurance Company (NAIC 32786)	2 (upheld, of 74 total)	$327.6M (premiums)	0.006104117 (DFS ratio, rank 48)
NY · 2023	Progressive Advanced Insurance Company (NAIC 11851)	4 (upheld, of 68 total)	$563.9M (premiums)	0.007093636 (DFS ratio, rank 54)
NY · 2023	Progressive Casualty Insurance Company (NAIC 24260)	27 (upheld, of 200 total)	$589.4M (premiums)	0.045810233 (DFS ratio, rank 87)
NY · 2023	Progressive Direct Insurance Company (NAIC 16322) (tiny book — below the credibility floor on its own)	1 (upheld, of 28 total)	$21.7M (premiums)	0.046150254 (DFS ratio, rank 88)
NY · 2023	Progressive Max Insurance Company (NAIC 24279)	6 (upheld, of 90 total)	$243.7M (premiums)	0.024618443 (DFS ratio, rank 72)
NY · 2023	Progressive Northwestern Insurance Company (NAIC 42919)	1 (upheld, of 3 total)	$42.3M (premiums)	0.023643999 (DFS ratio, rank 69)
NY · 2023	Progressive Specialty Insurance Company (NAIC 32786)	8 (upheld, of 90 total)	$288.3M (premiums)	0.027753045 (DFS ratio, rank 75)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.

[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.

[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.

[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).