Progressive Auto Insurance

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 Progressive is the auto insurance provider of choice for more than 20 million drivers in the United States. Why? It might be the vast range of discounts we provide. Perhaps it’s because our clients can receive free auto insurance quotes in a matter of minutes. Progressive provides everything you’re looking for in a vehicle insurance provider. Learn more about our discounts, coverages, and more, then obtain online auto insurance quotes and start saving.

Progressive Auto Insurance

Car insurance that lets you save in unique ways

Bundle Auto and Property

Save an average of 4% on your auto insurance when you combine with home, renters, or condo 

Snapshot: Drive safe and Save more

Our Snapshot® program personalizes your car insurance rate based on how you drive. The safer you drive, the more you can save. 

Compare care insurance quotes

Get a free quote and explore different car insurance companies’ prices for the same coverage, and then instantly see your best rate. 

Try Name Your price

Our Name Your Price® Tool lets you tell us what you want to pay for your auto insurance policy. We’ll then show coverage options that fit your budget. 

Obtain the most appropriate auto insurance coverages for your need.

We provide cheap insurance choices to protect against just about everything, from accidents and windshield damage to lawsuits and more. Get online auto insurance quotes and tailor your policy’s coverages to your specific needs.

What is a deductible on a car insurance policy?

An auto insurance deductible is the amount you must pay “out of pocket” before your insurer will cover the balance of the claim. Car insurance deductibles are common for collision, comprehensive, uninsured motorist, and personal injury protection coverages. In most cases, you may choose between a low and a high deductible. A low deductible equates to a higher insurance rate, whereas a large deductible equates to a cheaper rate. 

What are auto insurance deductibles and how do they work?

When it comes to vehicle insurance, unlike health insurance, there are no annual deductibles to fulfil. Every time you submit a claim, you’re accountable for the specified deductible on your insurance. After you’ve paid your automobile deductible, your insurance company will cover the rest of the cost of repairing or replacing your vehicle.

EXAMPLE: You have a $500 deductible and $3,000 in damage from a covered accident. Your insurer will pay $2,500 to repair your car, and you’ll be responsible for the remaining $500.

The two most prevalent automobile insurance coverages with deductibles are comprehensive and collision. In some areas, you may be required to pay a deductible for personal injury protection or uninsured/underinsured motorist property damage. Deductibles for auto insurance are the same for all coverage levels. 

What if my deductible on my vehicle insurance is more than the cost of my repairs?

If your auto insurance deductible is larger than the cost of the damage to your vehicle, you’ll be responsible for the full bill since the insurer only covers losses that exceed your deductible. You may not need to make a claim in certain situations. 

EXAMPLE: Your car repairs only amount to $800 and your deductible is $1,000. You’ll pay for all the repairs out of pocket because the cost is lower than your deductible amount. 

Progressive Auto Insurance

Car insurance deductibles: high vs. low

In most situations, you may select between a larger or smaller deductible when purchasing vehicle insurance. Deductibles for car insurance generally range from $100 to $2,000. Our drivers’ most popular deductible is $500, but there is no right or wrong answer. In the end, everything boils down to personal preference:

Higher deductible = Lower car insurance rate and higher out-of-pocket costs

Lower deductible = Higher car insurance rate and lower out-of-pocket costs

Make sure you can afford to pay your deductible out of pocket in the case of a claim by selecting a car deductible level that you’re comfortable with.

It’s also crucial to think about your driving history and the possibility of submitting a claim. You may choose a larger auto insurance deductible in the hopes of avoiding an accident, but if you’ve had previous accidents and often travel on congested roads, you’re more likely to make a claim and pay a deductible.


If you reside in a state where broken windshields are prevalent, a low vehicle insurance deductible for windshield replacements may be a good idea. You may have no deductible on glass replacement coverage or the option of selecting a $0 deductible, which may boost your cost, depending on your state and insurer.

What effect will your auto insurance deductible have on your premium?

The table below demonstrates how altering a deductible might affect the cost of collision coverage on a six-month insurance, based on a $420 payment for collision coverage. Increasing your deductible from $100 to $250 results in the biggest savings, while increasing it from $1,000 to $2,000 results in the smallest savings.

Progressive Auto Insurance

The premium amounts are fictitious. Progressive’s direct auto Ohio rate filing as of August 2019 reflects the adjustment in premium due to changes in deductible levels. This table may be seen as an image.  

When is a vehicle insurance deductible due?

If the damage is insured and costs more than your deductible amount, you must pay your deductible whenever you make a claim under a policy that has one. If your claim is granted, your deductible will usually be deducted from your compensation by your insurance carrier. In most cases, you will not be required to write a check or make a payment to your insurance. They just deduct the amount of your deductible from the total amount of your claim’s authorised payout. Assume you’ve been accepted for a $5,000 claim with a $250 deductible. Your insurance company will write you a cheque for $4,750 in such scenario.

If I hit a car, do I have to pay a deductible?

You won’t have to pay a deductible if you have an accident but don’t damage your automobile. Your liability policy, which doesn’t have a deductible, would pay for the other driver’s injuries and property damage in this case. If your car is damaged in the accident and you elect to make a collision claim, you will be responsible for paying your collision deductible. 

Do I have to pay a deductible on my vehicle insurance if I’m not at fault?

If the other motorist is found to be at fault, their insurance company will cover your repairs if you make a claim, and you will not be responsible for your deductible. If you have collision coverage, you can also proceed via your own insurer, who will seek payment from the other driver’s insurance company (including your deductible). You may be responsible for all or part of your vehicle insurance deductible in cases when responsibility is shared.

Keep in mind that in some jurisdictions, if you are hit by an uninsured or underinsured driver, your uninsured/underinsured motorist property damage coverage may be subject to a deductible.

Progressive Auto Insurance

Other instances in which there is no deductible

In the following situations, a vehicle insurance deductible will not apply to you:

Another person files a claim against your liability coverage

A liability claim has no deductible, which means you pay nothing out of pocket if you cause an accident in which your insurer pays for the damages and/or injuries you cause to another person, up to the limits of your policy.

You selected a disappearing deductible

Some insurers provide a “disappearing deductible” scheme, in which your deductible is reduced by a certain amount for each violation- and claim-free insurance period. After a specific number of coverage periods, you may be eligible for a $0 comprehensive or collision claims. However, after making a claim, your deductible usually returns to its original amount.

You have free repairs on glass claims

Your insurance may repair or replace your windshield without incurring a deductible in some jurisdictions, or they may offer you the option of a $0 deductible for glass claims. Other insurance, like as Progressive, may waive your deductible if your windshield can be repaired rather than replaced. 

Choose your deductible and Progressive will provide you with coverage.

Customers that are new to Progressive

We’ll help you find out the optimum deductible for each policy by calling 1-866-749-7436 or getting an auto insurance quotation online.
Customers that are currently with Progressive

If required, log in to your insurance or contact 1-866-749-7436 to make modifications to your current deductibles.

Progressive Auto Insurance

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