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Progressive Car, Home & Renters Insurance: Rates, Discounts & Coverages

Progressive Insurance has been around since 1937, and prides itself on taking an innovative approach to auto insurance. Progressive was the first insurer to offer drive-in claims service, and the first to allow customers to pay their premiums in installments. Progressive also prides itself on the fact that it was among the first major auto insurers to offer a website, and the first to sell auto insurance policies online in real-time, beginning in 1997. Progressive says its goal always has been to make auto insurance accessible and easy so more people could protect their vehicles. Today, the Progressive Corporation provides insurance of all types to more than 18 million customers.

While you can purchase homeowners and renters insurance through Progressive, these policies are actually sold through other licensed insurance companies. The policies are managed by Progressive, and you're still eligible for multi-policy discounts if you purchase your car and homeowners and/or renters insurance through Progressive.

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How much does Progressive car insurance cost?

When shopping for car insurance, it’s important to know that your car insurance rates vary based on a number of factors. You could see different rates based on characteristics like your age, marital status, credit score, where you live and the company you choose. In the graph below, you can see the average cost of Progressive car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple and senior driver.

The average cost of Progressive car insurance for all driver profiles are all slightly higher than the national average cost of car insurance. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

Progressive car insurance rates vs the national average.  The bar chart displays comparisons for a teen driver, single adult, married couple and senior driver.  All progressive costs show a slightly higher rate than the national average

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What discounts does Progressive offer?

Progressive is known for offering competitive prices. Progressive says that 95 percent of its customers earn at least one money saving discount, and many earn more than one, as there’s no limit to how many discounts Progressive customers can earn. Below is a list of the money-saving discounts offered by Progressive.

  • Bundling Auto & Property: Progressive customers can save 5 percent by bundling auto insurance with home, condo or renters insurance.
  • Start Your Quote Online: Progressive customers save an average of 7 percent by beginning their search for a quote online, even if the purchase ultimately is made with a Progressive agent over the phone.
  • Safe Driver Discount: Progressive awards good drivers with deep savings. Progressive customers who haven’t received a ticket or been in an accident for three consecutive years are eligible for an average discount of 31 percent.
  • Multi-Car Discount: If you insure two or more vehicles with Progressive, you are eligible for an average discount of 10 percent. This also ties in nicely with Progressive’s bundling discount.
  • Homeowner Discount: Progressive provides discounts to folks who have ownership in property or real estate. Owning a home, condo or mobile home, whether or not it is insured by Progressive, can earn customers a discount on their Progressive auto insurance.
  • Continuous Insurance Discount: Staying insured is important to Progressive. Customers who have maintained auto insurance with no gaps or cancellations, regardless of whether or not they were insured by Progressive, are eligible for a discount on their auto insurance. The longer you have a track record of being insured, the higher your chances are for earning a discount from Progressive.
  • Sign Documents Online Discount: You can save an average of 7 percent when you sign your Progressive documents online after a purchase.
  • Pay in Full Discount: You can earn a discount if you pay for your six-month policy from Progressive upfront rather than monthly.
  • Automatic Bill Pay Discount: Customers who do not pay in full can sign up for automatic bill pay and receive a discount from Progressive.
  • Good Student Discount: Progressive offers discounts to students who maintain Bs or better. And, if they’re under 22 and go to school 100 miles from home, Progressive will add an additional discount.

What coverages does Progressive Insurance offer?

Progressive offers many optional car insurance coverages that you can add to your Progressive car insurance policy. Optional coverages include:

Roadside Assistance: If you have an emergency while out on the road, Progressive’s roadside assistance will come to your rescue. It covers the cost of towing services as well as many other services including flat tire changes, locksmith services if you lock your keys in your car, fuel and fluid delivery and more.

Rental Car Reimbursement: Progressive offers rental car reimbursement coverage. This coverage helps pay for the cost of your rental car if your car needs to be repaired for damages caused by a covered loss.

Gap Insurance: Progressive offers loan/lease payoff coverage, which is also called gap insurance. Gap insurance helps cover the difference in what your car is worth and the balance of your loan or lease that you still owe on the car if the car is totalled. Progressive gap insurance covers up to 125 percent of your vehicle’s current value.

Custom parts and equipment value: This coverage offered by Progressive offers extra coverage for custom parts and equipment on your vehicle including stereo, navigation system, custom wheels, custom paint job and more.

Rideshare coverage: Progressive’s rideshare insurance coverage extends your car insurance coverage to include when you’re on the job of a rideshare service like Lyft or Uber.

Deductible Savings Bank: Progressive offers a deductible savings bank feature that you can add to your car insurance policy. This feature helps pay your deductible. It subtracts $50 from your collision and comprehensive deductible every policy period you are claim-free.

Below are a list of additional specialty coverages offered by Progressive, many of which are sold through other licensed insurance companies.

More about Progressive insurance

Progressive’s website is a great place to learn more about the company’s offerings, receive an insurance quote, make a payment or see the status of a claim.

The Name Your Price tool allows consumers to tell Progressive what they want to pay. Progressive will then come back with a list of possible coverages available at those rates. This takes the hassle out of searching for discounts and calculating rates.

Using Progressive.com, users can pick the coverage they want and see the comparable prices for the same coverage from Progressive competitors. This is a unique feature, as Progressive does not mind comparing itself to other insurance carriers. Progressive is known for offering very competitive pricing, and does not shy away from price comparisons.

Progressive offers Snapshot as a way of rewarding safe drivers. Snapshot is available as a mobile app or a physical device that you get from Progressive. You can download the app and bring your phone along in the car, or plug the Snapshot device into you car. It monitors how much and how well you drive. The safer you drive, the less you pay for insurance from Progressive. Progressive also offers a discount just for signing up for this program. Interested in learning if consumers save money with Snapshot. Read Progressive Snapshot reviews.

What states does Progressive Insurance do business in?

Progressive Insurance sells car and motorcycle insurance in 50 states and Washington, D.C., homeowners insurance in 46 states and renters insurance in 48 states. See the state Progressive Insurance sells in below and click the link to see how Progressive Insurance compares to the other top companies in that state.

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