Progressive Auto Insurance Coverage: 2023 Guide

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Progressive has many options, so make sure you pick the right ones for your budget.

Car insurance is mandatory in almost every state, which means you must have insurance to get behind the wheel. Many people consider progressive car insurance because of the company’s low rates, catchy commercials, and willingness to cover most drivers.

Our team researched industry leaders to identify the best auto insurance companies out there. It’s wise to get free quotes from multiple providers to find the lowest possible rates for car insurance coverage.

Progressive car insurance types

As one of the largest auto insurance providers in the US, Progressive has an extremely wide range of coverage options for car owners. Whether you’re looking for comprehensive car insurance or just hoping to meet minimum state requirements, Progressive can likely have your needs covered. The standard types of progressive car insurance include:

liability insurance

Liability insurance is required in almost every state and can be broken down into two main parts. Personal liability insurance pays other drivers’ medical expenses after an accident you cause, while property damage liability insurance covers damage to someone else’s car. Remember, liability insurance does not cover your own medical expenses or property damage.

While this type of insurance is necessary for almost every driver, the exact limits of liability vary by state. In other words, depending on whether you live in New York, Texas, or Michigan, you may need to carry different car insurance.

collision protection

Collision insurance deals with damage to your own vehicle after you collide with another car or a stationary object such as a guardrail, tree or fence. This type of insurance is completely optional but can significantly reduce your expenses if you are involved in a car accident.

Comprehensive coverage

Comprehensive insurance covers the car owner’s costs for damage not caused by a collision. These potential problems can include weather events, windshield damage and glass breakage from falling branches.

It is also worth noting that the comprehensive coverage covers cases of vandalism and car theft. Although collision damage waiver is optional, it is an extremely popular type of progressive car insurance.

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Coverage for underinsured/uninsured drivers

Uninsured Driver Insurance provides financial protection if you are hit by another driver who does not have car insurance. It also takes care of situations where you go through hit-and-run accidents. Similarly, underinsured motorist insurance will help cover your costs if the other vehicle has car insurance, but it doesn’t have enough to cover all of the damage.

These two are often bundled together when you get progressive car insurance. While several states make uninsured and underinsured motorist insurance mandatory, this is not the case everywhere.

MedPay/Personal Injury Protection

Medical coverage (MedPay) helps cover medical care for you and your passengers following an insured accident. It takes care of injuries inflicted on the occupants, regardless of who was responsible for the traffic accident.

Many no-leverage states offer Personal Injury Protection (PIP) instead of MedPay. It offers similar protection but also pays for lost wages and childcare costs. As with almost all auto insurance policies, you’ll likely still have to pay a deductible when filing a PIP claim.

Additional progressive car insurance coverage

While the types of auto insurance listed above can be found on many motorists’ policies, there are some valuable perks that are less common. We will look at some of them below:

  • Rental car refund: Auto insurance companies like Progressive will pay for a rental if your vehicle goes to the shop for a few days. This type of coverage is not required but may be helpful for Progressive customers with unreliable cars.
  • Loan/Lease Repayment: Often referred to as gap insurance, this progressive auto insurance pays a portion of the difference between a vehicle’s actual value and the money owed to your lender after a total write-off.
  • roadside assistance: Those who choose roadside assistance get free towing, tire changes, lockout assistance, and fluid or fuel deliveries.
  • Rideshare Coverage: Rideshare helps drivers who work for ridesharing services like Uber or Lyft. You may not be covered by your employer while you are waiting for a job and your personal auto insurance will not take effect either.
  • Custom parts and gear value: Progressive coverage options sometimes go beyond the industry norm, and that’s true of this plan. Those who choose custom parts and equipment value coverage will receive up to $5,000 in replacements for damaged aftermarket accessories such as stereos and custom wheels.
  • savings bank deductible: Your Collision and Collision Damage Waiver Excess will be reduced by $50 for each six-month period that you do not file a car claim. This optional type of coverage could ultimately eliminate car insurance deductibles for safe drivers.
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The coverage of progressive car insurance is relatively extensive, even compared to other car insurance companies. Contact an agent near you if you’re wondering if Progressive’s choices might meet your needs.

How to save on progressive car insurance

There are many potential savings for those purchasing progressive car insurance. Below we list some of the most common discounts that Progressive offers:

  • Discount for multiple policies
  • Discount for multiple cars
  • Continuous insurance discount
  • Good student discount
  • Discount for distance students
  • homeowner discount
  • Online Offer Discount
  • Sign online discount
  • Paperless discount
  • Pay the full discount
  • Automatic payment discount

While many insurers offer savings on a new car, Progressive doesn’t. Another way to save on progressive auto insurance is to bundle home insurance, renters insurance, and life insurance with your auto policy.

Our recommendations for car insurance

While Progressive has impressive deals, we also recommend getting quotes from State Farm and USAA right away. These companies are known for their impressive customer service and for the cheap auto insurance coverage they regularly offer.

State Farm: Best overall

State Farm’s offerings are quite comparable to progressive types of auto insurance and often offer competitive rates. In addition, State Farm is known for its excellent customer service and having local agents spread across the United States. Motorists often find discounts on auto insurance at State Farm, making it even easier to find affordable rates.

USAA: Best Military Provider

It’s hard not to recommend USAA for military members, their family members and veterans. That’s because the auto insurer combines some of the industry’s highest marks for customer service with reasonable auto insurance quotes. While military personnel often turn to USAA, it is unavailable to those with no ties to the US Armed Forces.

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Frequently Asked Questions (FAQs)

Progressive increasing rates every 6 months?

While progressive auto insurance coverage is not fixed at the current rate beyond the term of your auto policy, premiums may remain the same. Adding a speeding ticket, DUI, or at-fault accident ticket to your logbook is far more likely to increase your insurance costs. It’s also likely that your prices will increase as you increase your coverage limits or add new types of insurance.

Does Progressive Accident Forgiveness?

Progressive offers Accident Forgiveness to all policyholders making claims under $500. Those who haven’t filed a claim with Progressive in over five years receive a large accident waiver that won’t increase your insurance premiums even after claims exceed $500.

How does Progressive determine if a car is totaled?

A vehicle is considered scrapped when the estimated cost of repair is greater than the car’s actual present value (ACV). Each state has its own rules for whether a vehicle is totaled, and Progressive follows those guidelines when determining if your vehicle is totaled.

How do I save on Progressive Car Insurance?

To save on progressive auto insurance, reconsider your coverage types and limits and bundle home insurance with your auto policy. If you’re willing to go beyond progressive auto insurance coverage, you can save by getting multiple auto insurance quotes from other providers as well.

methodology

The Detroit Bureau collects data from all major auto insurance providers to create rankings of the best insurers. Our detailed rating system takes into account market share, coverage, pricing, customer satisfaction and reviews from industry experts. Each insurer receives a weighted score across four categories and an overall score of 10.0.

We recommend auto insurance companies based on this ranking, but we also encourage you to do your own research and compare offers to find the best coverage.

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