---
company: progressive
title: Progressive — how complaints actually go
last_verified: 2026-10-12
---

## In short

Report and track claims online or at 1-800-776-4737, and put disputes in writing through the contact page's email forms, which Progressive says it answers in about 5 business days for claims. On a total loss, Progressive uses a third-party valuation after inspecting the car; rental coverage ends three days after it tells you the value, so be ready to answer quickly. If Progressive does not fix it, complain to your state insurance department. Forward suspicious Progressive emails to phishing@email.progressive.com and report fraud at 1-888-288-0770.

## How complaints actually go

- Claims center: 1-800-776-4737; roadside: 1-877-537-7878. Claims can be reported and tracked online, including as a guest. [Progressive claims](https://www.progressive.com/claims/)
- General customer service is open 24/7 at 1-888-671-4405; Spanish service and claims at 1-833-951-4271. [Progressive contact us](https://www.progressive.com/contact-us/)
- The contact page has topic email forms (including the claims process); Progressive lists an average response time of 5 business days for claims and 2 business days for other topics. It lists no channel labeled for complaints. [Progressive contact us](https://www.progressive.com/contact-us/)
- Written mail goes to The Progressive Corporation, 300 North Commons Blvd., Mayfield Village, Ohio 44143. [Progressive contact us](https://www.progressive.com/contact-us/)
- If the dispute stays open, file with your state insurance department; in Texas, TDI takes complaints at 800-252-3439. [TDI: if your insurance isn't paying enough](https://www.tdi.texas.gov/tips/disagree.html)

## What tends to work

- On a total loss, Progressive pays market value based on condition, age, options and mileage, minus your deductible, with help from a third party. If you disagree, back your position with documents such as comparable vehicle listings, as TDI advises. [Progressive total loss](https://www.progressive.com/claims/total-loss/) [TDI: getting your claim paid](https://www.tdi.texas.gov/tips/getting-your-insurance-claim-paid.html)
- Use the written email forms so there is a record and a response clock. [Progressive contact us](https://www.progressive.com/contact-us/)
- Get estimates from more than one shop and send them to the adjuster when you dispute an estimate. [TDI: if your insurance isn't paying enough](https://www.tdi.texas.gov/tips/disagree.html)

## Traps and fine print

- With rental coverage, Progressive covers a rental for up to three days after it tells you the car's value on a total loss. [Progressive total loss](https://www.progressive.com/claims/total-loss/)
- If the car's actual cash value is less than the loan or lease balance, you may still owe money; Loan/Lease Payoff coverage pays the difference only up to its limit. [Progressive total loss](https://www.progressive.com/claims/total-loss/)
- Progressive must inspect the vehicle before it decides the value and whether it is a total loss. [Progressive total loss](https://www.progressive.com/claims/total-loss/)

## By the numbers

- California auto, justified complaints per 100,000 earned exposures: Progressive Select 4.4 in 2025 (15 complaints), 3.2 in 2024 and 3.0 in 2023; Progressive Direct 0.6 in 2025 (1 complaint), 1.3 in 2024 and 0.7 in 2023. [CDI auto complaint composite](https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/autocomposite.cfm)

## Scams that target customers

- Forward any email that claims to be from Progressive and looks wrong to phishing@email.progressive.com. [Progressive contact us](https://www.progressive.com/contact-us/)
- Report fraud or identity theft to Progressive at 1-888-288-0770 (daily, 7:00 a.m.-10:00 p.m. ET). [Progressive contact us](https://www.progressive.com/contact-us/)
- Fake agents sell policies without real coverage and ask for cash or direct payment; the premium payee should always be the insurance company, and you can check an agent's license with the state insurance department. [Progressive: life insurance fraud](https://www.progressive.com/answers/life-insurance-fraud/)
- Do not answer unsolicited emails or texts asking for personal information; call your insurer at a number you know is theirs. [Progressive: life insurance fraud](https://www.progressive.com/answers/life-insurance-fraud/)