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How much you can expect to spend on car insurance with Progressive
The Progressive Corporation is the third-largest auto insurance carrier in the U.S., with a reputation for innovation since 1937. It’s developed a wide variety of products and customer discounts while remaining in strong financial health. Here, we describe how much you can expect to pay for auto insurance with Progressive and how you can decrease your premium.
While Progressive is known for its widespread availability across the country, the company also ranks as one of the nation’s more reasonably priced auto insurance providers. The average annual premium is $1,508, which is about 25 percent lower than the national average. The rate for individual drivers varies, of course, depending upon many factors. Here are the average costs for various circumstances:
Get an auto insurance quote from Progressive to see how much you’ll pay. The easiest way is to call AutoInsurance.com, as they offer insurance by phone and let you compare car insurance quotes from multiple companies. Otherwise, find all the information you want about Progressive below.
Even with Progressive’s pricing on the modest side of the spectrum, you’ll want to apply to one or more of the company’s many auto insurance discounts to lower your total cost. Discounts vary by state, but here are some Progressive discount offers you should look out for:
Discount type | Qualifications | Average discount |
---|---|---|
Multi-policy | Get a discount for bundling multiple policies. | 5% |
Multi-car | List multiple vehicles on your policy and you’ll save. | 4-12% |
Continuous Insurance | Maintain your insurance with Progressive without gaps or cancellations and save. | Varies |
Teen driver | Believe it or not, you’ll get a discount when you add a teen driver to your policy. | Varies |
Good student | Get additional savings if the youngster on your policy earns at least a “B” average in school. | 10% |
Distant student | If the student on your policy lives 100 miles away or more and does not use their vehicle while at school, you’ll get a discount. | Varies |
Homeowner | Even if you do not buy Progressive homeowners insurance, you’ll receive a discount on your auto insurance just for owning a home. | 10% |
Online quote | Seek and receive a quote online, and you’ll get a discount on your premium. | 4-7% |
Sign online | Save when you sign official documents online. | 8% |
Paperless | Get a discount when you opt in to email delivery of documents. | Varies |
Pay in full | Pay your policy in full upfront and save. | Varies |
Automatic payments | Receive a lower rate when you set up automatic payments through your checking account, credit card, or debit card. | Varies |
The Snapshot Discount | This is a version of “usage-based insurance,” meaning you pay based on how much you drive. | Varies |
Snapshot is not available to drivers in California and North Carolina.
If your claim’s value is less than $500 as a result of a “small accident,” the company won’t raise your premium. If there’s a “large accident,” a claim whose value is greater than $500, and you are at fault, Progressive will forgive the accident the first time it occurs. For this program to kick in, though, Progressive must have insured you for five years or more and you must be accident-free for at least three.
You can also purchase an accident-forgiveness benefit for an additional fee that applies once per period and only after you have exhausted your loyalty-based forgiveness benefits.
Progressive adds accident forgiveness to policies automatically in Arizona, Indiana, Iowa, Missouri, Oregon, Texas, and Wisconsin. You can use it only once.
You can opt into this policy add-on when you purchase coverage. If you remain accident-free and do not get a speeding ticket over the first six-month coverage period, you’ll earn a $50 reduction on your deductible. The reduced deductible applies at the start of each new policy period. The deductible can decline all the way to zero for safe drivers.
This program is available in all states except California, Georgia, Hawaii, Idaho, New York, and North Carolina.
If you’re a rideshare driver and purchase rideshare insurance, Progressive will expand your personal auto policy every time you activate your ridesharing app. Your coverage will be engaged even while you’re waiting for a fare, whereas some other insurance companies provide coverage only for the period between picking up a fare and dropping off a customer. Progressive’s rideshare insurance runs as little as $6 per month, and rules for participation vary by state.
You can request roadside assistance on the Progressive smartphone app. The service includes towing, lockout help, flat-tire changes, and fuel delivery. Roadside assistance is available in all 50 states and the District of Columbia, though policy terms may vary.
Collision coverage includes pet injury coverage, which pays for veterinary bills if your pet is injured in a car accident. Deductible costs vary between $50 and $1,000, and this coverage is available in every state except New Hampshire.
You can use your Google Home device to ask Progressive’s digital voice assistant a variety of insurance-related questions, including how to get a car insurance quote. You can even log in to Facebook Messenger and get a quote from a Flo chatbot or ask her questions about your insurance.
Get rental car insurance coverage ranging between $30 and $50 per day for a rental if your car was in an accident and is being repaired under a covered claim. Rental car reimbursement is available in all states except Massachusetts, North Carolina, and Virginia.
This option pays for the replacement of parts you’ve added to your car, such as new speakers. It’s available in all states except North Carolina and Virginia.
If you’re in a major accident, loan/lease payoff insurance will pay for the difference between your totaled car’s market price and the amount you have left on your loan for up to 25 percent of the car’s current value. This program is available in all states except New York, North Carolina, and Virginia.
Progressive provides auto coverage in every U.S. state as well as the District of Columbia.
You can cancel your auto insurance anytime with Progressive. The best way to cancel your auto insurance with Progressive is to contact an agent or customer service representative by phone at 1-855-347-3939. Your cancellation can be immediate or scheduled for a later date.
There is no cancellation fee if you cancel after your first term. Should you decide to cancel during the first term, the fee is $50.
Progressive’s homepage (https://www.progressive.com/) provides robust information about the company’s offerings. You can contact Progressive anytime via:
Here are some more important phone numbers for Progressive customers:
Use | Phone number | Hours |
---|---|---|
Car insurance sales | 1-800-776-4737 | 24/7 |
General customer service (report an accident, file a claim, change policies, check bills, start a quote, buy a policy, and get roadside assistance) | 1-888-671-4405 | 24/7 |
Commercial customer service | 1-888-240-9839 | 24/7 |
Spanish-speaking customer service and claims | 1-833-951-4271 | Customer service: 8 a.m. – 12 a.m. ET Claims service: 7 a.m. – 7:30 p.m. CT |
Report fraud or identity theft | 1-888-288-0770 | 24/7 |
General fax | 1-877-280-5587 | 24/7 |
The general line has a robot operator, and you might have as much success getting the information you need, at an even quicker pace, by browsing Progressive’s website.
Progressive is best known for its wide range of products and innovations as well as its reasonable rates. If you’re interested in learning more about Progressive, read our Progressive auto insurance review.
Progressive offers comparatively low rates for people driving in California and New York, as well as drivers who have a DUI.
Every six months, Progressive recalculates its rates, but chances are your rates will increase only if you’ve exhibited bad driving behavior, such as causing an accident or receiving a speeding ticket. Your premium may also go up if you move to an area with more factors that put cars at higher risk of accidents, such as cities with large populations.
Progressive is a good auto insurance provider. Overall average rates are relatively affordable with Progressive, and because of the company’s strong financial health — AM Best gave Progressive an A+ rating — customers can rely on Progressive to pay claims. When it comes to customer service, Progressive scored 862 out of 1,000 on the 2021 J.D. Power Auto Claims Satisfaction Study, which is slightly below the industry average score of 880.
AD AGE PICKS THE TOP 10 FEMALE AD ICONS OF ALL TIME. Ad Age. (2012, Sep 24).
https://adage.com/article/special-report-100-most-influential-women-in-advertising/ad-age-picks-top-10-female-ad-icons-time/237369
How Progressive began & evolved. Progressive. (2022).
https://www.progressive.com/about/history/