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Progressive auto insurance

Check the core car coverages and whether your driving needs an add-on.

Progressive · Auto · Facts checked Oct 11, 2026

This is a general description from Progressive’s own pages, not a policy and not a quote. We last checked it on Oct 11, 2026. Your policy contract decides what is covered. Options depend on your state, your address and the provider’s review of your details.

The WalletNoodle take

Core coverages with optional additions.

Check the core car coverages and whether your driving needs an add-on.

Three words to know

Premium: the price you pay for the policy. Only your quote shows it.
Deductible: your own share of a covered claim, on coverages that have one. Not every coverage does.
Limit: the most the policy pays for a covered loss.

Watch out for

Do not assume ordinary personal auto coverage covers rideshare work.
Coverages, deductibles and limits vary with your state and policy.
Personal quote needed. We never show a price as $0 or free.

What you can cover.

Liability covers certain injuries or damage you cause, up to your limits.
Collision and comprehensive address different types of damage to your vehicle.
Uninsured-driver and medical payments options vary. Personal injury protection (PIP) can help with accident-related expenses and is offered in some states.

Each coverage pays only for losses the policy covers, up to your limit. Some coverages also have a deductible, which is your share of the claim. Your quote shows which coverages, limits and deductibles you actually have.

Extras that can change the price.

Roadside assistance and rental reimbursement are additional options.
Ask about rideshare coverage if you drive for a rideshare or delivery service.

Limits and exclusions, untangled.

Do not assume ordinary personal auto coverage covers rideshare work.
Coverages, deductibles and limits vary with your state and policy.

An exclusion means a loss is not covered at all, whatever your limit. Read the exclusions in your own policy before you buy.

Questions to ask for your quote.

Are the limits and deductibles equal across quotes?
Does the policy cover how I actually use my car?
Which optional coverages change the total price?

Quotes are only comparable when they use the same coverages, limits and deductibles. For a neutral overview, read the NAIC consumer guide to auto insurance (opens in a new tab) from the National Association of Insurance Commissioners.

Where it’s available.

Confirm availability for your state and address with the provider. Coverage, limits, deductibles and the underwriting insurer depend on your quote and policy.

We don’t ask for your ZIP code and can’t tell whether you qualify. Only Progressive can, when you ask for a quote.

Good comparisons leave a paper trail.

Product facts come from the provider pages listed below. We checked them on Oct 11, 2026. The summary, focus and questions are our own words. We have not bought this policy or asked for a quote.

Official provider coverage page (opens in a new tab) www.progressive.com · Checked Oct 11, 2026Used for: coverage options, optional extras, limits and exclusions

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Marvin Smit · Founder & editor

Facts taken from the provider’s own pages. No policy bought and no quote requested.