Progressive Car Insurance Discounts (2022 Rates + Savings)

Progressive car insurance discounts can include a 10% multi-car discount or $50 off just for signing up online. Progressive car insurance can be around $336.29/month, but discounts can reduce those rates.

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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's what you need to know

  • Progressive offers a long list of discounts, including common ones like safe driving.
  • You can save even more using the Progressive Snapshot program.
  • Bundling with Progressive can save you money on all of your insurance needs.

The Progressive Group of Insurance Companies offers standard and non-standard car insurance, but does Progressive have discounts? Yes.

Depending on your state of residence, there are numerous Progressive car insurance discounts available to you according to your eligibility. This is great news for those looking for cheap car insurance.

Affordability is a necessary factor in choosing the right insurance company to suit your individual needs.

In addition to making your coverage affordable, this company also offers incentives for your business. Your request for a car insurance quote also gives you information about the discounts for which you qualify.

You may be asking yourself, “What discounts does Progressive insurance offer?” Let’s take a look.

It’s all about you. We want to help you make the right coverage choices. Read on to learn about Progressive auto insurance discounts and enter your ZIP code here.

What discounts are offered by Progressive?

So, you’re wondering what car insurance discounts are available through Progressive?

There are many car insurance discounts available through Progressive because the company realizes that by helping their policyholders save money, these policyholders are more likely to stay with the company.

The average cost of Progressive car insurance is $336.29/month, but multi-policy and safe driving discounts may reduce your rates by up to 50%.

  • Progressive insurance offers a variety of different insurance policy options.
  • The e-sign car insurance discount gives a $50 discount when initially signing up for Progressive insurance online.
  • The pay-in-full discount offers a discount for any policyholder who pays their car insurance premium in one lump payment.

Asking, “Does progressive have a multi-car discount?” The answer is yes.

Progressive insurance offers multiple car insurance discount opportunities for its current and potential policyholders. Some of the discounts offered include a multi-car discount, a pay-in-full discount, and accident forgiveness discounts.

The accident forgiveness discount is available to policyholders who have had a Progressive car insurance policy for four years and have remained accident-free for three of those years in a row.

After this period, if the policyholder is in an accident their car insurance rate will not go up whether they are responsible for the accident or not.

The e-sign car insurance discount gives the policyholder a $50 discount when they initially sign up for Progressive insurance online.

The pay-in-full discount offers a special discount for a policyholder who pays their car insurance premium in one lump payment, instead of month to month like most people do.

There are many other car insurance discounts available through Progressive that the company will tell you more about if you become a policyholder. These other discounts are not listed on the company’s website.

After choosing the car insurance company with the best car insurance rates, discover how well your company rates among others.

Visit the A.M. Best Company website to see how highly your car insurance provider is rated. For example, Progressive has an A.M. Best rating of A+ Superior.

To find the best car insurance companies and compare car insurance rates today, use the FREE online tool above by entering your ZIP now!

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What discounts are available with Progressive insurance?

Let’s assume you’re in the market and are finding it difficult to find the rate that’s just right for you. You’re looking at Progressive and asking, “How do I get cheap Progressive insurance?”

Progressive car insurance offers standard discounts as well as those specific to your state.

Many insurance competitors offer some of the same discounts; however, it is the whole package that makes your policy exclusive to your needs.

If you are seeking further Progressive discounts, Reddit users suggest you may want to go to your Progressive Snapshot login, which offers a way to maximize potential discounts. The following is a list of Progressive insurance discounts:

  • Advanced premium payments
  • Multi-policy
  • Multi-car
  • Club or organization affiliations
  • Good driver

When you pay your premiums in advance, you will receive a discount whether you pay for the whole year or for several months in advance. You are also eligible for a multi-policy discount if you bundle your house and car insurance with Progressive.

Multiple line insurance discounts can be even more specific. If you have auto and boat insurance, one of those policies will have a discounted rate. If you have auto and motorcycle, auto and RV, or any combination of Progressive policies, one policy will be discounted.

The best bet is to have the aforementioned home and car combination.

The discount, in this instance, is doubled. Whereas for the other combinations there is a set discount on only one policy. With this, you’ll get a discount on both the home and auto policies.

With that being said, you do not have to bundle policies to get a homeowner-related policy. Just owning your home, even if it is insured by another company, gets you a discount.

The following table compares Progressive’s multiple policy discounts with comparable discounts of other companies, should they have one.

Multi-Policy Car Insurance Discount by Company
CompaniesMulti-Policy Discount AvailableDiscount Amount
21st CenturyYesN/A
American FamilyYesN/A
Safe AutoOnly offers auto coverageN/A
Country FinancialYes25%
Liberty MutualYes20%
The HartfordYes20%
State FarmYes17%
Safeco Yes15%
The GeneralYes15%
The HanoverYes10%
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As you can see, all but one company, Safe Auto, offers a multi-policy discount. That is only because Safe Auto does not offer more than one policy type. At 12%, Progressive stands towards the middle of the pack.

Before we move on to non-standard discounts, the following chart shows all of the standard discounts offered by Progressive.

Standard Car Insurance Discounts Offered by Progressive
Discount TypeDiscount DetailsDiscount Amount
Adaptive Cruise ControlN/AN/A
Adaptive HeadlightsN/AN/A
Anti-Lock BrakesN/AN/A
Auto BillingDiscount for setting up automatic payments from a checking account. Cannot be combined with pay in full discount.Average discount varies, not available in CA or NY
Claim FreeN/AN/A
Continuous CoverageTime spent with previous insurance honored, any accrued benefits will be kept after provider change.Average discount varies, not available in CA or NY
Daytime Running LightsN/AN/A
Defensive DriverNo age restrictions10%
Distant StudentMust be 22 or younger, full-time student, more than 100 miles from home. Cannot have own vehicle at school.Average discount varies, not available in CA or NY
Driver's EdN/A10%
Driving Device/App"Snapshot" – Save a "few bucks" for signing up. Then after six months, you can get up to a 20% discount depending on your driving behavior.
This discount stays on your policy.
Average discount $145 – National average annual savings for single and multi-car policies that renewed and saved between January 2017 and March 2018
Early SigningN/AN/A
Electronic Stability ControlN/AN/A
Family Legacy Your child gets all of your good prior coverage history when they starts their own plan.Average discount varies
Forward Collision WarningSafety features get automatic discounts applied when VIN entered in system.N/A
Full PaymentCan't be combined with the auto billing discount.
You get one or the other. This is for those who pay for six month policy up front.
Average discount, not available in CA or NY
Good Credit N/AN/A
Good Student21 or younger; must maintain "B" average.Average discount varies, not available in CA and NY
HomeownerDiscount just for owning a home. Home does not need to be covered by Progressive.Average discount nearly 10%, not available in CA or NY
Lane Departure WarningN/AN/A
Low MileageOnly in CA/TX. Must be under 10,000 miles per year.N/A
Loyalty Loyalty rewards for one year+N/A
Married N/AN/A
Multiple PoliciesCombine any two policies and one is discounted. Combine home and car and both policies are discounted.Discount varies, usually 5%, and is not available in all states or situations
Multiple VehiclesCombine auto policies with anyone you live with even if you aren't related. Vehicle can belong to anyone as long as it is kept primarily at your address.12% countrywide average discount. Discount varies by state.
Newer VehicleN/AN/A
Online ShopperEven if you start online but buy over the phone 4%, not available in CA or NY
Paperless DocumentsOpt to receive your documents via email, in addition to sign online discount.Save $50 for signing documents online
Passive RestraintN/AN/A
Safe DriverNo accidents or tickets in last three years.31%
Stable ResidenceN/AN/A
Switching Provider N/AN/A
Vehicle RecoveryN/AN/A
VIN Etching N/AN/A
Young Driver Discount for adding teen driver to policy. Purpose is to offset cost that comes with usual price increase, considering teen drivers are considered a larger riskAverage discount varies, not available in CA or NY
Sign onlineAnyone can earn as long as they are comfortable signing documents online.8.5%, not available in CA or NY
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There are many discounts available. Some are focused on safety features installed in the vehicle, safety history of the driver, and loyalty, but more on that later.

Multi-car discounts are not just for individuals who happen to own two vehicles. Any car that is kept primarily at your home address can be added to the policy. This means it can belong to a spouse, a family member, or even a roommate.

Individuals and businesses with multiple vehicles will receive discounts as well.

This is especially helpful for small transportation businesses with fleets. Your AAA and AARP membership entitles you to a club and organization discount and, if you are a good driver, you have your pick of insurers.

The next table compares Progressive’s multi-vehicle policies with those of its competitors, should they offer a discount.

Multi-Vehicle Car Insurance Discount by Company
CompaniesMulti-Vehicle Discount AvailableDiscount Amount
21st CenturyYesN/A
American FamilyYesN/A
State FarmYes20%
Country FinancialYes15%
Safe AutoYes15%
The GeneralYes15%
Liberty MutualYes10%
The HanoverYes5%
The HartfordYes5%
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As you can see, every company save for one, Allstate, offers multi-vehicle discounts. So, how does Progressive stack up against the competition? Of the percentages available, it is towards the bottom.

Progressive’s available discount is higher than three companies, tied with one, and lower than eight. The highest discount available comes from GEICO at 25%. The lowest discount comes from The Hanover and The Hartford at 5% each.

Continuous insurance discounts also carry potentially beneficial stipulations. Progressive even looks at your loyalty to competitors. So, if you had benefits given due to policy-holding longevity, and decide to switch to Progressive, they’ll take note.

The actual value of the continuous insurance discount provided by Progressive will be dependent upon how long you have been insured sans gaps or auto insurance policy cancellations.

The students in your family will be interested in the Progressive good student discount. Proof is required, however.

The good student discount is for those who are 22 or younger who maintain a “B” average or better.

There is also a distant student discount. This is for full-time students on your policy who are more than 100 miles from your residence. However, they must not have a vehicle while away at school.

Should you find yourself to be a Progressive employee, keep in mind that Progressive employee discounts are well worth looking into as well.

And now for the “non-standard” discounts.

Non-standard discounts are becoming more common to many insurers as a way to attract good drivers or an increased number of drivers.

Some of the newer additional discounts are as follows:

  • Progressive Accident forgiveness
  • E-sign
  • Disappearing deductible
  • Snapshot

These discounts are fairly new to the industry and Progressive, and they have proven to be effective. If you encounter your first accident, Progressive will not penalize you by raising your auto insurance rates.

Progressive has both small accident forgiveness and large accident forgiveness. Small accident forgiveness means Progressive will not raise one’s rate for claims less than $500.

Large accident forgiveness is for those who have been with Progressive for at least five years. These individuals must not have had an accident in the last three years.

Does Progressive offer discounts for defensive driving?

It is fair to ask yourself “Does Progressive insurance offer discounts for defensive driving?” Fortunately, the answer is yes.

Disappearing deductibles are 25% price reductions for every policy period that is claim-free until policy renewal.

For example, if one’s collision deductible were to be $1,000, and they have filed zero claims up to the point of their policy renewal, the new deductible would be $750.

Different insurers use different names for lower deductible savings. For every 12 months that you go without an accident, your deductible will decrease.

Good drivers can also take advantage of the Snapshot program Progressive offers by enrolling online when you request your quote.

Progressive representatives will send you a device that you install in your car that takes pictures of you as you drive (hopefully, using good driving habits). After 30 days, you could be entitled to as much as 30% off your premiums.

This type of program does record driver information, and you may have privacy concerns. The National Highway Traffic Safety Administration (NHTSA) monitors these issues if you’re looking for peace of mind.

Are loyalty rewards offered by Progressive car insurance?

When you initiate your Progressive policy, you are automatically enrolled in the Loyalty Reward program. You do not have to do anything, nor does it cost you anything extra. The longer you are a Progressive policyholder, the more discounts you become eligible for.

Current policyholders may also qualify for Loyalty Rewards.

You may log into your Progressive online policy to determine your eligibility. New online conveniences make it easier to make payments, changes, and renewals, any time of the day or night, any day of the week.

The Progressive website has several tools to make the consumer’s life easier. First, they allow you to compare auto insurance rates with competitors. They will show their rate first, at which point you can compare the shown rate to the rates of competitors.

Furthermore, their website allows you to search for agents by state for Progressive car insurance. Utah, for instance, then allows you to search further, such as for Wichita Falls, which will then show you a specific agency.

They also have what is known as the “Name Your Price Tool.”

With this, the consumer tells Progressive what they would like to pay. From there, Progressive will show them a range of coverage levels that could fit their budget.

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Can high-risk drivers get discounts from Progressive?

Can I get car insurance as a high-risk driver? As a high-risk driver, you can surely use all the discounts that are available.

High-risk drivers are also considered non-standard drivers. These drivers may have SR-22, multiple offenses, or credit blemishes. It may be hard to afford the astronomical premiums required by this group of drivers.

What is SR-22 car insurance?

SR-22 insurance is proof of financial responsibility that you need in most states when you meet certain high-risk insurance qualifications.

How can I lower my Progressive car insurance even if I’m high-risk? Progressive accommodates the high-risk insurance group with the flexibility of various payment options.

Instead of paying one monthly lump sum, you can make bi-monthly payments. You may even be able to make your down payment in increments, as well as negotiate your rate.

What discounts does Progressive offer on other types of vehicles?

Although more than 90% of Progressive Direct Insurance’s business consists of personal car and truck owners, the company also serves small businesses and the recreational vehicle market. Other types of vehicles covered by Progressive include:

  • Boats
  • RVs
  • Motorcycles
  • Segways
  • Snowmobiles

You can go onto the company’s website to get auto insurance quotes on these vehicles. Reviews and other information may encourage you to choose Progressive Direct as your family’s car insurance company.

How much is the Progressive sign online discount?

The Progressive sign online discount is a discount customers earn simply by signing their documents online. The average saving is 9%.

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What Is the history of Progressive?

Progressive insurance was founded in Ohio more than 70 years ago by both Joe Lewis and Jack Green.

Over the past few decades, this company has continued to grow and today is one of the most recognized insurance companies in the United States.

The annual revenue for Progressive insurance was $15 billion in 2010 and the company is responsible for employing over 27,000 people.

Progressive is also a publicly-traded company that is listed on the New York Stock Exchange as PGR.

With more than 10 million policies, Progressive is one of the biggest car insurance companies in the United States.

Progressive is a competitor to the other leading car insurance providers like Allstate Insurance, State Farm Insurance, the Farmers Insurance Group, USAA Insurance, and Nationwide Insurance.

One of the main things that sets Progressive apart from some of these other car insurance providers is that it mainly sells its insurance policies over the internet.

This company also sells many policies via independent insurance companies and over the phone.

Progressive currently has more than 30,000 independent insurance agents representing the company.

An independent insurance agent works much differently than a private insurance company because they can try to sell many different kinds of insurance plans from many different insurance companies.

Independent agents are not as limited as private insurers.

Progressive is most often recognized by its commercials.

The Progressive spokeswoman, Flo, shows fictional customers that by using the Progressive website they can customize the insurance they need, name their own price for insurance, and compare Progressive’s insurance rates to the other leading car insurance companies.

What types of insurance does Progressive offer?

Progressive insurance offers much more than just car insurance. The other types of insurance that Progressive offers include:

  • Health insurance
  • Life insurance
  • Collector car insurance
  • Pet insurance
  • Snowmobile insurance
  • RV insurance
  • Boat insurance
  • Home insurance
  • Motorcycle insurance
  • Umbrella insurance
  • Commercial car insurance
  • Condo insurance
  • Renters insurance

The Progressive pet insurance coverage is a fairly new insurance coverage type that has only been offered since 2007. This type of insurance coverage is fairly new to the market but is becoming increasingly popular.

The personal insurance industry has recognized that their policyholders have a strong love and dedication to their pets and that pet healthcare costs can often become hard to handle financially.

Progressive car insurance already comes with a $1,000 pet injury coverage that is included for free with the collision coverage option, but the company’s pet insurance plan helps to insure the policyholder’s pet in situations other than a car accident.

Some of the things covered by this insurance program include prescription medication, illnesses, hospitalization, cancer treatments, MRIs, annual exams, vaccinations, X-rays, after-hours emergency care, teeth cleanings, and chiropractic care.

With their supplemental car insurance coverage options, Progressive offers roadside assistance, rental car reimbursement, and custom parts and equipment coverage.

Progressive also provides an app and an easy-to-use website where you can pay bills and make insurance claims.

Progressive Car Insurance Discounts: The Bottom Line

Whether you are looking for a multi-policy discount or defensive driving discount, Progressive will most likely have programs to help save you money on your car insuance.

We hope this article has given you all the information you need on Progressive car insurance discounts. If you want to learn more about its insurance, read our Progressive car insurance review.

To see what discounts you can get and compare rates now, just type your ZIP code into the box below.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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