Progressive is one of the largest insurers in the country and, based on 2024 U.S. property/casualty direct premiums written (DPW) published in 2025, ranks No. 2 overall behind State Farm and ahead of Berkshire Hathaway (largest premiums written; see NAIC and S&P Global Market Intelligence). Progressive also notes this position in its most recent annual filings (Form 10‑K). The company was founded by two Cleveland attorneys named Joseph Lewis and Jack Green under the name Progressive Mutual Insurance Company and today operates as an independent, publicly traded U.S. corporation (NYSE: PGR) with widely held ownership and no controlling shareholder (see SEC filings). Take a closer look at what makes Progressive Insurance so unique.
[ Read: The Best Car Insurance Companies for 2020 ]
1. What Is Progressive Insurance Best Known for?
Progressive is widely recognized for data-driven pricing, telematics, and digital-first experiences across personal and commercial lines (see Progressive annual reports). Among the most notable are:
- Snapshot (personal auto telematics): Usage-based insurance that personalizes your rate using an app or device; safe driving can earn a discount, while risky driving can increase your rate; availability and rules vary by state (Snapshot).
- Name Your Price: A budgeting tool that lets you set a target premium and see configurations that fit that amount, helping you tailor coverage to your budget (Name Your Price).
- HomeQuote Explorer: Progressive’s digital homeowners shopping experience with side‑by‑side options and bundling integration with auto (HomeQuote Explorer).
- BusinessQuote Explorer: Online quoting for small-business coverages (e.g., GL/BOP) via the Progressive Advantage Business Program and partner carriers (BusinessQuote Explorer).
- Smart Haul (commercial trucking): Uses ELD data to help price for‑hire truck insurance and may offer savings to qualifying truckers who share their data (Smart Haul).
- Snapshot ProView (small/mixed fleets): Telematics for commercial fleets providing driving insights and potential savings while supporting safety management (Annual report).
- Digital claims and mobile app: Photo estimating, virtual inspections, self‑service tools, and roadside assistance in the Progressive app support faster, low‑touch claims for suitable losses (Progressive Mobile App); industry research shows photo estimating and AI triage can shorten cycle times (CCC Crash Course 2025).
2. What Type of Insurance Does Progressive Offer?
Progressive offers a broad range of personal and commercial coverages and is best known for auto. Property lines (homeowners, renters, condo, and landlord) are integrated with auto to support bundling via tools like HomeQuote Explorer. Progressive has also expanded its ecosystem with small-business solutions (BusinessQuote Explorer), rideshare coverage (Rideshare), and pet insurance administered via Pets Best—an approach highlighted in Progressive’s strategy to win with direct, data, and digital at scale (annual reports).
- Vehicle insurance — auto plus options for motorcycles, boats, RVs, and more.
- Homeowners insurance — often underwritten by Progressive Home (ASI); bundling available (see HomeQuote Explorer).
- Landlord (rental property) insurance — the typical placement for homes rented to others, including many short‑term rentals (Landlord insurance).
- Short‑term rental coverage — generally handled via a landlord policy or a homeowners endorsement where available; disclose hosting to ensure proper coverage (Insurance Information Institute).
- Renters insurance — part of Progressive’s household bundle strategy.
- Condo insurance — property coverage aligned with association requirements; bundling eligible in most states.
- Business insurance — small‑business GL/BOP and more via the Progressive Advantage Business Program (start at BusinessQuote Explorer).
- Workers’ compensation insurance — available for eligible small businesses via Progressive’s business program.
- Health and dental insurance — often offered via partner marketplaces through Progressive’s agency programs; availability varies by state and is typically not underwritten by Progressive.
- Pet insurance — marketed by Progressive and administered via Pets Best (see annual report).
- Life insurance — commonly offered through partners; availability varies by state.
- Umbrella insurance — adds liability above home/auto; underlying policies must carry required limits (Umbrella insurance).
- Travel insurance — typically offered via partner carriers; availability varies and is not underwritten by Progressive.
- Wedding and event insurance — typically offered via partners; availability varies by state.
3. What Other Vehicles Can I Insure with Progressive?
Besides cars, Progressive writes many recreational and specialty vehicle types such as motorcycles, boats, RVs, and golf carts. If it has a motor or wheels, Progressive likely has a product.
Progressive also offers coverage pathways for classic and collector cars; eligibility and pricing depend on the vehicle and how it’s used.
[ Read: The Best Motorcycle Insurance ]
4. What Is Progressive Homeshare Insurance?
Short‑term rentals (Airbnb/VRBO) introduce business use into a residence. Standard homeowners policies often exclude or limit coverage for such activity unless an insurer adds a specific home‑sharing endorsement or places the risk on a landlord/short‑term rental policy (Insurance Information Institute; NAIC CIPR). Platform protections like Airbnb’s AirCover have conditions and are not a substitute for an insurance policy (AirCover).
Progressive typically addresses home‑sharing exposure by using the correct policy form: a homeowners policy with an applicable endorsement where available, or, more commonly, a landlord/short‑term rental placement for recurring hosting. Disclose any hosting to your agent to ensure proper coverage, consider higher liability limits, and evaluate a personal umbrella once the underlying policy is aligned (Landlord insurance; Umbrella insurance).
5. What Homeowners Insurance Coverage Does Progressive Offer?
Progressive offers standard homeowners coverages with optional add‑ons to customize your protection (see homeowners coverages).
Standard coverage
The basic homeowners insurance package includes the following:
- Dwelling coverage: Covers the structure of your home and anything that is permanently attached to it, such as a chimney, your kitchen cabinets, garage and more.
- Other structures coverage: Includes unattached structures on your property such as your backyard deck, fences, gazebos and sheds.
- Personal possessions: The contents of your home including furniture, clothes and electronics.
- Loss of use: Pays for your living expenses while your home is repaired.
- Personal liability: Pays your lawyers, court fees and court-ordered damages if you’re sued.
- Medical payments: Pays others’ medical bills if they’re hurt on your property.
Standard coverage addresses common perils such as fire, wind, theft, and falling objects. Floods, earthquakes, landslides, mudslides, and sinkholes are typically excluded, and certain types of water damage may require optional endorsements. Review state and policy form specifics (Progressive homeowners coverages).
Water Backup
Damage from backed‑up sump pumps and sewer systems isn’t covered by a standard homeowners policy. Optional water backup coverage can be added in many states for extra protection (coverage details).
Personal Injury
Personal injury endorsements can expand liability to address claims such as libel/slander or wrongful eviction; availability varies by state (coverage details).
Jewelry and Collectibles
High‑value items may exceed standard sublimits. You can schedule jewelry, art, and other valuables for broader protection and higher limits (coverage details).
6. How Can I Buy Insurance with Progressive?
You can quote and buy at Progressive.com or through independent agents nationwide. Progressive’s digital platforms streamline shopping—use HomeQuote Explorer for homeowners and BusinessQuote Explorer for small‑business coverages—and the mobile app supports policy service and claims (Progressive Mobile App).
7. How Can I Save on Progressive Insurance?
Mariah Arriola, a home and auto specialist selling Progressive Insurance through RightSure Insurance Group in Arizona, suggests stacking easy wins first: multi‑policy and multi‑car, maintaining continuous insurance, and enabling administrative discounts like online quote, paperless, sign‑online, pay‑in‑full, and advance quote where available. These categories are widely recognized across the industry (Insurance Information Institute).
- Bundle home and auto insurance for a multi‑policy discount; note that deductibles generally remain separate by policy—do not assume a single deductible applies across both (confirm with your declarations). Bundling is consistently cited as one of the largest non‑telematics savings opportunities (III).
- Get an advance quote (e.g., 10+ days before the start date, where offered) and enable paperless documents and online interactions to qualify for administrative discounts (availability varies by state and insurer).
- Pay your policy in full or set up automatic payments to unlock billing-related discounts where available.
Consider enrolling in Progressive Snapshot. Snapshot personalizes your rate based on actual driving and may increase your premium for risky driving; rules and availability vary by state (Progressive). For context, major competitors advertise discount‑focused programs such as State Farm Drive Safe & Save (up to 30% potential discount), Nationwide SmartRide (up to 40%), and Liberty Mutual RightTrack (up to 30% after observation), while others like GEICO DriveEasy note that risky driving can raise rates. Availability and savings vary by state and driver profile.
The Bottom Line
Progressive combines scale and technology: it is the No. 2 U.S. property/casualty insurer by 2024 DPW (NAIC; S&P Global) and the largest U.S. commercial auto writer (Form 10‑K). Its telematics (Snapshot/Smart Haul), digital quote tools (HQE/BQE), and mobile claims/services (app) make shopping and servicing straightforward. To lower costs, start with bundling and common discounts, and consider Snapshot if you’re a consistently safe driver.
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