AutoInsurance.com
December 9, 2022

Progressive Car Insurance Pricing

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.

Car Insurance Rates for Progressive Insurance Coverage

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:

  • Minimum coverage: The average annual cost of minimum car insurance coverage is roughly between $625 and $750. In most states, minimum coverage includes liability coverage for bodily injuries and property damage.
  • Full coverage: Full coverage cost sits at around $1,611 to $1,739 per year. More add-ons, like gap insurance, will increase insurance costs.
  • Drivers in their 20s: Young people in this age group pay more for auto insurance than any other age group. Car insurance from Progressive could cost around $1,877 to $1,934 per year for someone in their mid-20s.
  • Drivers in their 30s: Drivers’ premiums decrease the older you get. By the time you’re in your mid-30s, costs at Progressive come down to about $1,417 to $1,787 per year.
  • Drivers in their 40s: Once you reach the age of 40, the average annual cost of Progressive auto insurance is around $1,695.

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.

Car Insurance Discounts

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

CheckFYI:

Snapshot is not available to drivers in California and North Carolina.

Favorite Features

Accident Forgiveness

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.

Deductible Savings Bank

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.

Rideshare Insurance

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.

Roadside Assistance

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.

Pet Injury Coverage

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.

Virtual Assistance

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.

Rental Car Reimbursement

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.

Custom Parts and Equipment Value

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.

Loan/Lease Payoff

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.

Availability

Progressive provides auto coverage in every U.S. state as well as the District of Columbia.

Cancellation Policy

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.

Light BulbNOTE:

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.

Company Background

  • 1937: Cleveland-based lawyers Joseph Lewis and Jack Green founded the Progressive Mutual Insurance Company. They believed an auto insurance group would be a sound investment and innovated immediately by introducing the industry’s first drive-in claims location.
  • 1956: With around 40 employees and $2.6 million written in premiums, the company launched the first safe-driver program. This set a new industry standard by offering low rates to drivers without accidents.
  • 1964: Progressive expanded its programs, offering insurance for products such as motorcycles and scooters.
  • 1971: The company held its first public offering of stock. Motor home and commercial lines policies began.
  • 1988: In response to a passed California proposition that challenged high auto insurance rates, Progressive Chairman Peter B. Lewis, son of founder Joseph Lewis, called for the industry to give consumers what they pay for with their coverage while educating policyholders about the financial benefits of safe driving.
  • 1990s: Progressive focused on a “customer-driven strategy” offering immediate responses to claims, 24/7 customer service, buy-by-phone capabilities, and, later, online policy quotes and sales.
  • 2000s: While consumer-focused innovations continued, Progressive became increasingly open about its financials. The company reported underwriting results and other revenue information on a monthly basis.
  • 2008: Fictional spokesperson Flo appeared in her first Progressive car insurance commercial.
  • 2010: Progressive became the first major U.S. insurer to develop an Android app for car insurance.
  • 2011: The Snapshot Discount arrived as a rebrand of the company’s usage-based insurance program.
  • 2012: AdAge named Flo to its list of the Top Ten Female Ad Icons of All Time.1
  • 2010 to 2020s: Progressive introduced more technological innovations, including mobile app claim estimates, Google Home voice action, and the Flo chatbot.2

Progressive Contact Information

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

CheckTIP:

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.

Conclusion

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.

Frequently Asked Questions

Who should get Progressive insurance?

Progressive offers comparatively low rates for people driving in California and New York, as well as drivers who have a DUI.

Does Progressive raise rates after six months?

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.

What types of vehicle insurance does Progressive provide?

  • ATVs
  • Boats and other personal watercraft
  • Classic cars
  • Golf carts
  • Motorcycles
  • RVs
  • Segways
  • Snowmobiles
  • UTVs

Is Progressive good car insurance?

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.

Citations

  1. 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

  2. How Progressive began & evolved. Progressive. (2022).
    https://www.progressive.com/about/history/