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Progressive Auto Insurance Discounts 2024 Guide

Car Insurance Discounts From Progressive

Progressive discounts on car insurance are available for the following items: 

Loyalty-Based Car Insurance Discounts

Some insurance carriers offer discounts for continuing your business with them or bundling multiple policies with them.

Continuous Insurance Discount

Progressive rewards you for being insured continuously — even if it isn’t with Progressive. When you sign up for a policy, let Progressive know how long you were with your previous insurance carrier. A long loyalty period will make you eligible for a discount.

Multi-Car Discount

Progressive will give you a discount if you have more than one vehicle covered under a policy. It can belong to a family member, a roommate, a friend or anyone who permanently parks their vehicle at your residence. You can get up to 12% off.

Multi-Policy Discount

You can also qualify for a discount by bundling your homeowners or renters insurance with your auto policy and save on both policies. Progressive also allows you to bundle your auto coverage with your motorcycle, RV or similar insurance products. You’ll save up to 5% on average with this benefit.

Driver-Based Car Insurance Discounts

Other ways to save with Progressive include having a safe driving record or earning good grades.

Snapshot: Safe Driver Discount

Some insurance carriers offer discounts if you let them monitor your driving. With Progressive’s Snapshot program, you install a plug-in device in your vehicle or use the carrier’s mobile app. The device or app then monitors several of your driving habits, including how fast you accelerate or brake, how many miles you drive and whether you drive at risker times (such as late at night).

Snapshot monitors your driving habits for 30 days and then assigns you a score. If you have safe driving behaviors, you can earn a discount that averages $231 when you renew your policy.

Good Student Discount

If you or your child have at least a B average in school, Progressive will give you a discount of up to 10%. To be eligible, the driver has to be a full-time student and show proof of grades.

Distant-Student Discount

Young drivers who move away from home for college are also eligible for a discount on auto insurance. If the student is at a college more than 100 miles away from home and they don’t use the vehicle at school, a discount can apply.

Teen Driver Discount

Insuring a teen driver tends to be expensive, but rates usually get lower as the driver gets older. That’s why the teen driver discounts from Progressive can be helpful.

Military Discount

If you’re a member of the military, a veteran or an eligible family member, you can receive a military discount with Progressive. You’ll need to contact an insurance agent to learn more about this discount.

Purchase-Based Discounts

Progressive also gives you discounts based on how you buy your auto, homeowner and other insurance policies.

Online Quote Discount

Progressive makes it easy to get a car insurance quote online within minutes, leading to a discount of up to 7%. The online discount also applies if you start the process online and finish with a Progressive agent.

Sign-Online Discount

When you receive your quote, you’ll have the option to purchase your insurance right away. Doing so can get you a discount of up to 9%. You’ll have a digital hub where you can access your car insurance policy documents anytime.

Paperless Discount

Progressive incentivizes you to sign up for paperless service by offering a discount. Instead of receiving documents in the mail, you’ll get emails letting you know when they’re available. From there, you can log into Progressive’s website or app to see your documents.

Automatic-Payment Discount

If you set up automatic payments from your checking account, debit card or credit card, Progressive will discount your rate. The discount percentage varies. However, you won’t be able to combine this discount with a pay-in-full discount.

Pay-in-Full Discount

Progressive offers a discount if you pay your policy in full instead of paying in installments. This can’t be combined with the discount that’s given for making automatic payments.

Other Ways To Save Money on Progressive Car Insurance

There are several other ways to get cheaper car insurance with Progressive. Here’s a look at some of them:

Clean Driving Record

If you don’t have accidents, speeding tickets or other moving violations on your driving record, you can save up to 31% more than Progressive customers who have violations on their records.

Accident Forgiveness

Progressive has two tiers for accident forgiveness. With small accident forgiveness, Progressive customers won’t have their rates raised if their first insurance claim is less than $500. With large accident forgiveness, customers who’ve been with Progressive for at least five years and haven’t had accidents or violations in that time won’t receive a rate increase after their first claim.

Name Your Price Tool

With Progressive’s Name Your Price Tool, you can tell it what you can afford for car insurance and get suggested coverages that fit within your budget.

Deductible Savings Bank

This optional coverage allows you to shrink your collision and comprehensive deductible by $50 for every policy period where you don’t have an accident or moving violation.

Read more: Progressive car insurance reviews

How Much Does Progressive Auto Insurance Cost?

The national average car insurance rates are $167 a month or $2,008 a year for full coverage and $52 a month or $627 a year for minimum coverage. Here are the average rates for full and minimum coverage from Progressive:

Type of Coverage Average Cost Per Year
Full coverage $2,030
Minimum coverage $697
*Averages are based on the profile of a single, 35-year-old driver with a clean driving record and good credit.

Progressive Car Insurance Rates by Age

On average, car insurance rates begin to fall in a driver’s early 20s and continue declining until they’re in their 50s. Here are the average annual full-coverage rates for Progressive customers between the ages of 16 and 55:

Age Average Full-Coverage Cost per Year
16 $10,139
25 $2,243
35 $2,030
45 $1,904
55 $1,679

Progressive Car Insurance Rates by Violation

A ticket, DUI or at-fault accident can dramatically raise your auto insurance premium. Here’s the average cost of full coverage for a Progressive policyholder with one of these items on their driving record:

Violation Average Full-Coverage Cost per Year
Ticket $2,541
Accident $3,052
DUI $2,548
*Averages are based on the profile of a single, 35-year-old driver with good credit.

Progressive Auto Insurance Discounts: The Bottom Line

Progressive offers many auto insurance discounts to help you get lower rates, whether you have a teen driver or a multi-vehicle household. Some discounts apply to driving safely or earning good grades. In other cases, you benefit when you buy your policy online, sign your documents electronically and set up automatic payments. Progressive also has the Name Your Price Tool, which lets you specify your budget and find coverages that fit into that range.

Top Auto Insurance Recommendations

Another way to save money on car insurance is to shop for coverage with several insurers. As you narrow your list, consider State Farm and Geico for their many discount options.

State Farm: Best Customer Experience

Similar to Progressive, State Farm offers a lot of discounts. With its Drive Safe and Save discount, you can save up to 30% on your car insurance premium just by downloading the app and having State Farm monitor your driving habits.

State Farm also offers discounts for completing a defensive driving course, being accident-free and bundling multiple policies together. And the carrier has safe-vehicle discounts if your car features anti-theft devices, a passive restraint system (for vehicles older than 1993) and more.

Read more: State Farm auto insurance review 

Geico: Best for Budget-Conscious Drivers

Geico is another insurance company offering a lot of discounts. For example, you can receive a discount of up to 23% for having a vehicle with air bags. If you’ve been accident-free for five years or more, you’ll save up to 22% on your car insurance premium.

Geico also offers military members and eligible family members a 15% discount, while federal employees earn 12% off. You can also earn discounts for completing a defensive driving program, belonging to one of more than 500 professional associations and bundling multiple policies with the provider.

Read more: Geico car insurance review 

FAQ: Progressive Auto Insurance Discounts

Below are frequently asked questions about Progressive auto insurance discounts.

You can receive a discount from Progressive by bundling multiple policies. It will give you a discount of up to 5% for having a combination of auto, homeowners, motorcycle, renters and more. You’ll also earn a discount of up to 12% for insuring multiple cars with Progressive. The company also rewards your continuous insurance coverage (even if it isn’t through Progressive). Your discount depends on the length of your loyalty.

Teen drivers can qualify for a good student discount with Progressive. If your teen is enrolled in school full time and earns at least a B grade average, you can save up to 10% on your car insurance. Parents can save more by bundling multiple vehicles together or using Progressive’s continuous car insurance discount to offset the higher costs of insuring teen drivers.

Progressive offers an extensive list of insurance discounts. You can save the most by allowing your insurance carrier to monitor your driving for one month. If you exhibit safe driving habits, you could save up to 30% on your Progressive policy. You can also save money by signing up for a policy online, setting up automatic payments, having a clean driving record and having multiple insured vehicles or multiple types of insurance.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

  • 800 hours researched
  • 45 companies reviewed
  • 8,500+ consumers surveyed

*Data accurate at time of publication.

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