Progressive Car Insurance: Coverage, Discounts & Claims

As the third largest auto insurance provider in the U.S., Progressive offers affordable rates and award-winning customer service. Progressive has achieved significant growth by offering standard coverage options plus useful extras so drivers can customize protection.

This in-depth guide explains Progressive’s offerings, what impacts your insurance costs, how to get free quotes, claims handling, and more about one of the most popular auto insurers.

Progressive Car Insurance Coverage Options

Progressive provides all the core types of auto insurance coverage that drivers expect, along with add-ons to suit your needs.

Liability Insurance

Liability coverage pays for injury or damage that you cause in an accident when you're deemed at-fault. It does not cover repairs to your own vehicle. Progressive offers:

  • Bodily Injury Liability – Covers medical treatment costs for others hurt in an accident caused by you.
  • Property Damage – Covers repairs or replacement of property that you damage in a covered accident.

Liability limits often range from $30,000 to $500,000 or more. Buying only state minimums leaves you exposed.

Collision Insurance

Collision insurance covers damage to your vehicle after accidents with objects or other cars. You choose a deductible amount you pay before Progressive covers the remaining repair bills.

Standard collision deductibles offered by Progressive are $100, $250, $500, $1,000 or higher. Higher deductibles lead to lower premiums.

Comprehensive Insurance

Comprehensive coverage pays for damage from non-collision events like vandalism, theft, hail, falling objects, fire, and hitting an animal. You also select a deductible amount.

Many drivers opt for $500 or $1,000 comprehensive deductibles to reduce their rates.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protect you if you're in an accident caused by a driver who doesn’t have adequate insurance. This add-on pays for injuries to occupants of your car.

Medical Payments

Medical payments coverage pays medical bills for you and passengers hurt in an accident, regardless of fault. It supplements health insurance up to policy limits.

Typical medical payments limits offered by Progressive are $500 to $10,000 per person. $5,000 is common.

Personal Injury Protection

In no-fault states, PIP pays medical expenses for you and passengers after an accident, regardless of who was at fault. Progressive offers required minimum PIP limits.

Roadside Assistance

Progressive’s roadside assistance add-on provides towing, battery jumps, flat tire service, fuel delivery, and lockout help. It's a good idea for extra peace of mind.

Rental Car Reimbursement

If your vehicle is inoperable after a covered loss, rental coverage reimburses you for rental car expenses while it’s repaired. Progressive covers up to $500 per accident typically.

In addition to standard lines of coverage, Progressive offers OEM part replacement, rideshare coverage, custom parts coverage, and GAP insurance on auto loans.

What Impacts Your Progressive Insurance Premiums?

Progressive uses the following criteria to calculate your personalized auto insurance rate:

Driver-Based Factors

  • Age – Younger drivers under 25 pay higher premiums due to increased risk. Rates go down as you gain experience.
  • Driving record – Drivers with accidents, DUIs and serious violations see rate increases.
  • Credit history – An excellent credit score can lower premiums. Poor credit leads to higher rates.
  • Location – Where you live and park your car affects Progressive premiums. Urban areas cost more to insure.
  • Annual mileage – The more miles you drive, the more risk is involved. Low mileage earns a discount.

Vehicle-Based Factors

  • Make/model/year – Premiums vary based on vehicle claims data, repair costs and theft rates.
  • Safety features – Anti-lock brakes, airbags and anti-theft devices qualify you for discounts.
  • Use – Insuring a car for pleasure or commute is cheaper than business or commercial use insurance.

In addition, Progressive may use length of prior insurance coverage, renewals, and multi-car policies when pricing your policy.

Average Progressive Insurance Rates by Driver Profile

To give you an idea of how rates are impacted by risk factors, here are sample Progressive premiums in California for minimum full coverage on a 2018 Toyota Camry:

Single male under 25 years old with speeding ticket

  • San Francisco: $4,112 per year
  • Los Angeles: $3,876 per year
  • Sacramento: $3,192 per year

45-year-old married woman with excellent credit

  • San Francisco: $1,848 per year
  • Los Angeles: $1,632 per year
  • Sacramento: $1,368 per year

Married couple over 65 years old with safe driving records

  • San Francisco: $1,776 per year
  • Los Angeles: $1,560 per year
  • Sacramento: $1,092 per year

Actual quotes are based on much more detailed input on your specific risks. Get an online quote from Progressive to find your lowest rate.

Discounts to Lower Your Progressive Premium

Progressive offers many auto insurance discounts and policy options to help you minimize the cost of quality coverage:

Snapshot® Usage-Based Program

Progressive’s voluntary usage-based program gives you personalized discounts based on actual driving habits monitored with their mobile app or plug-in device.

Multi-Policy Bundles

Combining auto with homeowners, renters, or life insurance with Progressive earns you substantial bundling discounts up to 12%.

Good Driver Discount

Drivers with a clean record can save up to 35% on their premium. Maintaining an excellent driving history pays off.

Student Discount

Full-time students under 25 who meet academic criteria qualify for the Smart Student discount on Progressive policies.

Pay In Full

Choosing to pay your 6-month or 12-month premium upfront rather than monthly avoids fees and earns discounts.

Paperless Discount

Going paperless with electronic policy documents and billing saves money by being eco-friendly.

Prompt Payment Discount

Setting up automatic withdrawals from your bank account means you’ll never miss a payment and earn this discount.

Taking advantage of Progressive’s many discounts allows drivers to secure affordable rates for quality coverage.

Getting a Progressive Car Insurance Quote

If you want to get car insurance quotes from Progressive and find potential savings, you have three easy options:

Online

  • Visit Progressive.com and enter your zip code and basic personal and vehicle details.
  • Instant quote information is generated based on minimal information required.
  • You can adjust coverage amounts to compare pricing.

Phone

  • Call 1-855-758-0940-PROGRESSIVE to speak with an agent who will gather your details and provide quotes.
  • Have your driver’s license, VIN numbers, and current policy information handy.

Local Agent

  • Search for local Progressive agents near you to arrange an in-person meeting.
  • An agent can provide personalized quotes and policy guidance.

The full quote-to-card process takes 10 minutes or less online after you accept a rate. Discounts are maintained when you renew policies continuously with Progressive.

There are no eligibility restrictions – Progressive sells standard auto insurance policies directly to consumers in nearly every state. Bundling and some add-ons have membership requirements.

How Progressive’s Claims and Customer Service Works

Understanding how Progressive handles claims and supports customers is vital to getting the most from your auto policy. Overall, Progressive offers excellent service when you need to file a claim.

Claims Processing Experience

Progressive allows you to start the claims process through whichever channel is most convenient:

  • Mobile app - File a claim 24/7 via the Progressive app and upload photos of damage.
  • Online - Initiate claims anytime on the Progressive website under the File a Claim tab.
  • Phone - Call Progressive insurance at 1-855-758-0940-PROGRESSIVE to speak with a claims agent.
  • In-person - Visit a local Progressive office to file a claim in-person.

Most routine claims are finalized and paid within 1 week of submission. Progressive’s fast digital updates keep you informed through the entire process.

Customer Service Reputation

Progressive earns high satisfaction marks across policy, claims, and service:

  • A+ financial strength rating from AM Best
  • 90% customer satisfaction rating on claims handling
  • Excellent 3rd party consumer ratings for customer service
  • Polite, responsive agents and support staff

The company's size, accessibility, and technology make the claims process smooth for customers. Drivers can feel confident Progressive will respond quickly after an accident.

Progressive Company History and Financial Strength

Founded in 1937, Progressive has grown into one of the country's largest auto insurers:

  • Started as the Progressive Mutual Insurance Company in 1937 by Joseph Lewis and Jack Green.
  • Now the #3 U.S. personal auto insurer with 13+ million policies in force
  • Operates in all 50 states and DC; insures motorcycles, RVs, boats, and commercial vehicles
  • Over 35,000 employees across 400+ offices nationwide

As a mutual insurance company, Progressive is owned by policyholders rather than shareholders. The company is also backed by strong financial ratings:

  • A+ (Superior) rating from A.M. Best
  • A+ (Strong) rating from Standard & Poor’s
  • Over $27 billion in written premiums annually

Progressive’s size, history, and fiscal strength indicate excellent long-term stability as an auto insurance provider. Drivers can depend on them to pay future claims.

With affordable rates, renowned claims service, and robust online tools, it’s easy to see why 1 in 8 U.S. drivers choose Progressive for insurance. Follow the steps in this guide to request your free quote today.

FAQs

How much is Progressive car insurance per month on average?

Progressive car insurance costs approximately $170 - $220 per month on average. Rates vary significantly based on individual factors.

Is Progressive or Geico cheaper for auto insurance?

Progressive and Geico tend to have very competitive rates. Comparisons will depend on driver profiles. It pays to compare multiple quotes.

Does Progressive offer pay-per-mile car insurance?

Yes, Progressive offers a pay-per-mile program called Snapshot that bases premiums partly on actual driving mileage and habits.

What discounts does Progressive offer for car insurance?

Progressive offers discounts for multi-policy, continuous insurance, teen driver, vehicle safety features, good driver, paperless billing, and more.

Can you get Progressive insurance with a DUI?

Yes, Progressive is one of the few insurers that will provide auto policies to drivers with DUIs and other high-risk situations. However, rates are much higher.

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