What discounts does Progressive offer? (2021)

Discounts Progressive offers include 36 different types of auto insurance discounts for drivers. Examples include bundling discounts (up to 12% off), student discounts (varies), safe driver discounts (up to 31% off), and vehicle safety discounts (varies). Progressive discounts for car insurance are varied, and there's something for everyone. Progressive doesn't offer a discount if you need a tow, but you can purchase Progressive towing coverage.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember...

  • Progressive auto insurance is well-known for providing affordable rates on auto insurance in the United States
  • Many drivers may be able to take advantage of the long list of Progressive discounts to save even more money on their auto insurance rates
  • Take time to compare a Progressive quote against a few other auto insurance quotes before you purchase an insurance product

Wondering what discounts Progressive offers? You’ve come to the right place. Progressive offers a significant number of discounts and reward programs to its insureds. Finding Progressive auto insurance discounts is easy and a great way to save money on auto insurance.

You’re required to have auto insurance coverage to drive legally, but you probably need to keep your rate as low as possible for budget purposes. That’s why the Progressive discounts list is so thorough.

If you are thinking about getting a quote for auto insurance from Progressive, you may be wondering what to expect from this provider, particularly if you’ve seen the many TV commercials from Progressive that announce how much money the average driver may save by switching providers.

Whether you think Progressive is right for you or not, you should shop around. Auto insurance companies will offer different types of auto insurance coverage at different prices. Comparing rates from different companies ensures you’re able to get the best coverage for the most affordable rates for your needs.

Enter your ZIP code to get multiple quotes so you can compare competitor rates with your Progressive auto insurance discount rates to see who offers the best deal.

Does Progressive offer auto insurance discounts?

Progressive considers the discounts it offers to be part of the company’s tools to help insureds save. So can everyone find affordable auto insurance with Progressive discounts?

If you’re looking to buy Progressive auto insurance with discounts, you’ll find that the company offers a wide variety of discounts, including loyalty-based auto discounts, driver-based auto discounts, and vehicle safety-based discounts. In fact, just about everyone will qualify for at least one.

Let’s take a look at exactly what Progressive offers.

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Which auto insurance discounts does Progressive insurance offer?

Progressive offers an astounding 36 different types of car insurance discounts to its drivers. There is even a Progressive marriage discount.

Check out this complete Progressive discounts list:

  • Adaptive Cruise Control
  • Adaptive Headlights
  • Anti-lock Brakes
  • Anti-Theft
  • Claim Free
  • Continuous Coverage
  • Daytime Running Lights
  • Defensive Driver
  • Distant Student
  • Driver’s Ed
  • Driving Device/App (Progressive Snapshot Discount)
  • Early Signing
  • Electronic Stability Control
  • Family Legacy
  • Forward Collision Warning
  • Full Payment
  • Good Credit
  • Good Student
  • Homeowner
  • Lane Departure Warning
  • Low Mileage
  • Loyalty
  • Married
  • Multiple Policies
  • Multiple Vehicles
  • Newer Vehicle
  • Online Shopper
  • Paperless Documents
  • Paperless/Auto Billing
  • Passive Restraint
  • Safe Driver
  • Stable Residence
  • Switching Provider
  • Vehicle Recovery
  • VIN Etching
  • Young Driver

However, this huge list of discounts does not necessarily mean Progressive will have the best rates for you. Is Progressive the right insurer for your needs? Only you can decide and you’ll still need to compare quotes from different companies to make sure you’re getting the best deal.

Check out this Progressive auto insurance company discounts list for examples of the amount various discounts could save you.

Examples of Progressive Auto Insurance Discounts Offered
Discount NameAverage DiscountDetails
Multi-Policy 5%If you have two or more policies with Progressive (for example: if you were to have an auto and home-owners policy with Progressive)
Snapshot Program$130Their Snapshot program that personalizes your rate based on your driving.
Safe Driver 31%If you have no accidents/traffic violations in the past three years
Multi-Car 10%If you have more than one vehicle listed on your policy
Homeowner nearly 10%If you own a home (even if it is not insured through Progressive's network)
Sign Online nearly 8%If you sign your documents online
Online Quote 7%If you got your policy quote online (or if you start your quote online and a licensed Progressive representative finishes it for you over the phone
Paperless VariesIf you opt to receive your documents via email (dependent on signing your documents online and is an addition to the sign online discount)
Continuous InsuranceVariesIf you switch to Progressive from another insurer, you won't lose any longevity benefits (discount value will depend on how long you've been consistently insured with no gaps or cancellations)
Teen DriverVariesIf you're adding a teen driver to your policy
Good StudentVariesIf you have a student who maintains a "B" average or better (discount also applies to college students, students more than 100 miles from your residence, or is 22 years or younger)
Pay in FullVariesIf you pay for your six-month policy up-front
Automatic PaymentVariesIf you set up automatic payments from a checking account to pay (you cannot combine the automatic payment and pay in full discounts)
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As you can see, the Progressive student discount varies, but the Progressive multi-car discount will save you up to 10 percent. The sign online discount with Progressive will save you another 8 percent.

The Progressive Snapshot program is usage-based, and the discount will vary. Snapshot earns you discounts after six months of the program, but there’s also a sign-up discount.

What types of auto insurance discounts does Progressive offer?

Progressive was founded in 1937, and it now offers insurance in the United States and Australia. Besides providing auto insurance, this large provider also offers motorcycle coverage, boat insurance, RV coverage, and more.

So why is Progressive auto insurance so much cheaper?

One of the reasons why Progressive has a great reputation for providing its customers with very low rates is the many auto insurance discounts it offers.

In fact, drivers may qualify for up to 36 different discounts. When you learn more about these discounts, you may identify better ways to save money on a Progressive auto insurance policy.

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What safety and security feature auto insurance discounts does Progressive offer?

Progressive is one of the many car insurance companies that offer a discount if you insure a new car. In addition, discounts are available if you have security and safety features in your car, such as a passive restraint discount. Other discounts include:

  • VIN etching
  • Lane departure warning
  • Forward collision warning
  • Adaptive cruise control
  • Adaptive headlights
  • Anti-lock brakes
  • Anti-theft system
  • Daytime running lights
  • Stability control

Since many new cars have these features, it is a safe bet that you can get a discount if you own a newer car. Make sure you know exactly what safety features your car has so that you can qualify.

Does Progressive have auto insurance discounts based on the driver’s experience?

Experienced drivers may also benefit from special discounts if they have a good driving record. The company offers both a claims-free discount and a good driver discount.

The Progressive safety course discount or defensive driving discount is also available for drivers. The Progressive defensive driving discount is about 5 percent.

Cheap teen auto insurance is hard to come by, and it is generally much higher than average rates since teens are more likely to be in an accident.

However, even younger drivers who may have less experience may qualify for age-related savings and a discount for getting good grades in school.

The Progressive distant student discount is available if your student is off at school but still drives when they are home.

A good student discount with Progressive is available for students who keep a B average, and auto insurance discounts for students with Progressive can be substantial.

Seniors may also benefit from a special discount for additional savings. Progressive car insurance senior discounts can help bring down rates for older drivers.

What is the family legacy auto insurance discount?

Progressive is an auto insurance company that values consumer loyalty and offers loyalty rewards. There is a family legacy discount for those who have multiple generations insured by the company.

There is also a general loyalty discount for long-time customers to benefit from, called the Progressive continuous insurance discount.

These discounts can be seen in the Progressive car insurance loyalty chart. The discounts offered will vary depending on how long you have been with the company.

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What kinds of discounts does Progressive offer for bill payments?

Progressive also offers multiple discounts based on how you pay your bill. For example, the Progressive paid in full discount would be available for paying the rate in full.

How much is the Progressive paid in full discount? It varies by policy.

Progressive automatic payment discounts and paperless billing can also yield additional savings on your payment.

Once you have an account with Progressive, login to check your payment information and see if you can make adjustments to get more discounts.

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How do I get more Progressive auto insurance discounts?

These are only a few of the many Progressive car insurance discounts for which you can qualify. Some of the other options available include:

  • Multiple drivers or multiple vehicle discounts
  • Married couple discount
  • Switching providers
  • Stable residence
  • Good credit scores
  • Shopping online

There may also be discounts based on occupation, such as Progressive discounts for healthcare workers. Be sure to ask what discounts you qualify for to get the lowest rate possible.

How do you get a quote from Progressive?

Getting a quote for new coverage from Progressive is easy to do, and drivers can request a quote over the phone or by calling the company directly. If you speak with a Progressive agent, you may be able to obtain Progressive auto insurance quotes with discounts to see what you’ll qualify for.

However, before you do this, you need to determine the amount of coverage you need and the type of coverage. Some of the common coverage types offered by Progressive and other insurers include:

  • Liability coverage
  • Collision insurance
  • Comprehensive insurance
  • Personal or bodily injury coverage
  • Personal property coverage

These basic coverage types comprise full coverage auto insurance.

Additional coverage for towing service, rental car coverage, and other benefits may also be available through different insurers.

Progressive towing, Progressive rental insurance, and Progressive accident forgiveness are just a few additional programs offered through the company. You may even get Progressive discounts for rental cars.

While some drivers will only request one quote for coverage and will be happy with any savings they find, others may prefer to compare at least three or four different quotes from the top auto insurance companies.

When you request quotes, always ensure that the provider has a great reputation and is financially sound as a first step.

Then, you can easily request quotes online and compare the quotes.

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What are some helpful comparison tips?

Requesting and comparing multiple auto insurance quotes can seem time-consuming and complicated. These tips may help you eliminate the hassle when searching for the best auto insurance rate.

  • Request quotes for the same coverage types and amounts from each provider. This makes it easy to make a fast apples-to-apples comparison.
  • Request quotes online to save time and to enjoy the convenience of requesting quotes at any time of day.
  • Ask the provider about any additional discounts that you may qualify for with minimal effort. For example, you may be able to save money on your rate if you take a short defensive driving class online.

Buying auto insurance is necessary, but you do not want to spend more time or money than necessary getting the coverage you need.

Whether you are getting quotes from Progressive or another company, use these tips to compare quotes with ease, and always look for auto insurance discounts that could help you to save money on your rates.

How are auto insurance rates determined?

First, you need to know that most states require a driver to carry auto insurance. Each state determines the minimum amount required. While you can choose to purchase only the minimum coverage, this is not recommended.

Each company uses many different factors to determine an auto insurance rate, and generally, each company looks at factors differently.

This means that each company will offer you a different rate for the same coverage. That’s why it is so important to shop around for your auto insurance.

What factors are used to determine auto insurance rates?

There are many factors that affect auto insurance rates, but the way auto insurance companies analyze these factors can vary.

A few of the common factors that most providers look at include:

  • Your driving record
  • The details about the vehicle being insured
  • Your personal details, such as age and gender
  • Your ZIP code
  • How much you drive
  • Your credit rating

For example, let’s look at how your driving record affects your auto insurance rates. This table shows you how just one traffic ticket can cost you money.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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If an insurance company sees that you have risky behaviors, such as speeding or DUIs, they will charge more for your auto insurance. Driving safely is one easy way to keep your rates low.

Now that you know about Progressive’s discounts and what factors are used to determine your rates, you can shop around for the best car insurance rates.

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What are some other ways to save on auto insurance?

In addition to qualifying for discounts, shopping around for coverage and comparing quotes from at least three different companies can help you save, and you can do just that by using the free tool on this page. Use the tips we discussed earlier to ease your quote comparison process.

These are some of the commonly asked questions about Progressive auto insurance.

#1 – Does Progressive offer a discount during COVID-19?

The Progressive discount for COVID is a 20 percent credit for April and May 2020 for policyholders. Progressive discounts during the coronavirus crisis are offered to current customers. They are also waiving late fees and cancellations for non-payments through the middle of May 2020.

#2 – Are Progressive discounts on Reddit accurate?

Reddit is not the most accurate site to look for discounts. Your best bet is to get available discount and rate information directly from Progressive or sites like this one.

#3 – In what states does Progressive offer military discounts?

Progressive does not offer military discounts in any state.

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#4 – What employee discounts does Progressive offer?

Progressive offers employees many discounts, including for purchasing cell phones, computers, insurance, and vacations.

#5 – What is Progressive Shopper?

Despite the somewhat confusing name, Progressive Shopper is not related to Progressive auto insurance coverage. Instead, Progressive Shopper is an organization that provides information about political contributions made by major companies and brands across the country. It has nothing to do with being a Progressive customer.

Do you have the best rate with Progressive? Get rates from other companies to find out. Enter your ZIP code to start comparing quotes today to find the best discounts and the cheapest price for your coverage needs.

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