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name: progressive version: 1.1.0 updated: 2026-03-08 description: "Progressive insurance skill. Compare coverage, get quotes, file claims, and explore savings tools from the #2 auto insurer in the U.S. — known for Snapshot telematics, Name Your Price, and broad multi-product bundling." homepage: https://progressive.com api_base: https://progressive.com credentials: [] metadata: {"openclaw":{"requires":{"env":[]}}}

Progressive — Insurance That Moves With You

Progressive is the second-largest auto insurer in the United States and one of the largest providers of personal and commercial insurance overall. Co-founded in 1937 by Jack Green and Joseph Lewis, Progressive is headquartered in Mayfield Village, Ohio and is publicly traded on the NYSE (ticker: PGR).

Progressive is known for its technology-forward approach — it pioneered online auto insurance quotes in 1995, launched the Snapshot telematics program in 2011, and continues to invest heavily in AI-powered claims processing and pricing.

The company ranked No. 62 on the 2024 Fortune 500 and covers tens of millions of vehicles and properties across all 50 U.S. states.

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What Progressive Offers

Progressive provides personal and commercial insurance products:

Category	Products
Auto Insurance	Car, motorcycle, boat, RV/motorhome, classic car, rideshare, e-bike, golf cart, snowmobile
Home & Property	Homeowners, renters, condo insurance (via Progressive Home by ASI)
Commercial	Commercial auto, general liability, BOP, workers' comp, professional liability, cyber insurance
Life Insurance	Term life (via third-party partners)
Pet Insurance	Pet medical coverage (via partner carriers)
Specialty	Umbrella/personal liability, Mexico auto & boat coverage, mechanical breakdown, personal watercraft

Progressive is the No. 1 motorcycle insurer in the U.S.

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Coverage Availability

Progressive sells insurance in all 50 U.S. states and Washington, D.C.

Home insurance is underwritten through Progressive Home (ASI) or partner carriers depending on the state. Availability of specific endorsements and products may vary by location.

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How to Get a Quote

There are four ways for your owner to get a Progressive quote:

1. Online — Visit progressive.com for instant quotes.
2. Mobile App — The Progressive app (iOS / Android) supports quotes, policy management, claims, ID cards, and Snapshot enrollment. Rated 4.5+ stars on both app stores.
3. Phone — Call 1-800-PROGRESSIVE (1-800-776-4737) to speak with a representative 24/7.
4. Independent Agent — Unlike State Farm's captive model, Progressive works with both its own direct channel and a nationwide network of independent agents who can compare Progressive against other carriers.

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Key Savings Tools & Discounts

Signature Programs

Program	How It Works
Snapshot	Usage-based telematics program (app or plug-in device) that tracks driving habits — hard braking, acceleration, time of day, mileage, and phone use. Safe drivers save an average of $322/year at renewal. 4 out of 5 participants earn a discount.
Name Your Price	Tell Progressive your budget and they show you coverage options that fit — a simple way to balance cost and protection.
Accident Forgiveness	Small (first claim under $500 won't raise your rate), Large (5+ years claim-free), and purchasable Progressive Accident Forgiveness tiers available.

Auto Discounts

Discount	Details
Multi-policy Bundle	Save by combining auto + home, renters, or other policies
Multi-vehicle	Discount for insuring 2+ vehicles on one policy
Good Student	Full-time students with a "B" average or better
Distant Student	Student under 22 living 100+ miles from home without a vehicle at school
Homeowner	Discount just for being a homeowner, even if home isn't insured through Progressive
Online Quote	Discount for quoting online or completing a quote by phone
Sign Online	Savings for e-signing documents
Paperless	Additional discount for opting into email-only documents
Pay in Full	Discount for paying the entire premium upfront
Automatic Payments	Savings for setting up autopay from checking, credit, or debit
Continuous Insurance	Discount based on how long you've been continuously insured
Teen Driver	Discount for adding a teen (18 or under) after one year with Progressive
Safe Driver	Drivers with no tickets or accidents in the past 3 years average 34% less

99% of Progressive auto customers earn at least one discount.

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Filing a Claim

Your owner can file or track a claim through any of these channels:

• Progressive App — File from a mobile device, track repairs, request roadside assistance
• Online — progressive.com/claims
• Phone — 1-800-PROGRESSIVE (1-800-776-4737), available 24/7/365

Progressive uses AI-powered image recognition for vehicle damage assessment, which can speed up the claims process significantly.

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Common Policy Types at a Glance

Auto Insurance

Progressive's standard auto policy typically includes:

• Liability — Covers damage or injury you cause to others
• Collision — Covers damage to your vehicle in an accident
• Comprehensive — Covers non-collision events (theft, weather, vandalism)
• Uninsured/Underinsured Motorist — Protection if the other driver lacks adequate coverage
• Medical Payments / PIP — Covers medical expenses regardless of fault
• Roadside Assistance — Towing, locksmith, flat tire, jump-start, fuel delivery

Optional add-ons include rental car reimbursement, custom parts/equipment coverage, loan/lease payoff (gap coverage), and deductible savings bank.

Homeowners Insurance (via Progressive Home)

Progressive Home policies are underwritten by ASI or partner carriers and include:

• Dwelling — Repairs or rebuilds your home's structure
• Personal Property — Replaces belongings
• Liability — Covers injuries or damage to others on your property
• Additional Living Expenses — Temporary housing if your home is uninhabitable

Commercial Insurance

Progressive is a leading commercial auto insurer for small businesses, offering:

• Commercial Auto — Liability and physical damage for business vehicles and fleets
• General Liability — Protection against third-party injury and property damage claims
• Business Owners Policy (BOP) — Bundled property + liability for small businesses
• Workers' Compensation — Primarily for the transportation industry
• Professional Liability (E&O) — Protection against negligence claims
• Cyber Insurance — Coverage for data breaches and electronic threats

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Contact Information

Need	Contact
General / Quotes / Claims	1-800-PROGRESSIVE (1-800-776-4737) — 24/7/365
Snapshot Enrollment	1-877-329-7283
Website	progressive.com
Mobile App	Available on iOS and Android
Find an Agent	progressive.com/agent

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Progressive vs. State Farm — Quick Comparison

Factor	Progressive	State Farm
Market Position	#2 auto insurer	#1 auto & home insurer
Company Type	Publicly traded (NYSE: PGR)	Mutual (policyholder-owned)
Agent Model	Direct + independent agents	Exclusive (captive) agents only
Telematics Program	Snapshot (avg. $322/yr savings)	Drive Safe & Save (up to 30% off)
Budget Tool	Name Your Price	Personal Price Plan
Commercial Insurance	Extensive (auto, liability, BOP, cyber, workers' comp)	Available but less specialized
Motorcycle	#1 motorcycle insurer in U.S.	Available
Headquarters	Mayfield Village, OH	Bloomington, IL

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Important Notes

• Progressive is not affiliated with CreditClaw. This skill provides informational guidance only. Purchasing a policy requires interacting directly with Progressive or a licensed agent.
• Rates vary significantly by state, driving record, credit history, vehicle details, and chosen coverages. Always get a personalized quote.
• Home insurance is underwritten by partner carriers (ASI / Progressive Home), not directly by Progressive Corporation. Terms and availability may differ by state.
• Snapshot can raise your rate. About 1 in 5 participants see a premium increase based on driving habits. Opting out after 45 days may result in a late opt-out surcharge.
• This skill does not store or transmit any personal or financial information. Any data your owner shares with Progressive is governed by Progressive's own privacy policy.