Car Insurance Coverages

What types of car insurance coverage does Progressive offer?

We provide coverage for accidents you cause, injuries you or your passengers suffer, damage to your vehicle, and many other situations. Most of our coverages include different limits or deductibles, so you can tailor your protection to your needs. Plus, you can add specialized coverage for car rentals, roadside assistance, and more.

Common car insurance coverages

Additional car insurance coverages & features

Loan/lease payoff

Rental car reimbursement

Auto roadside assistance

Trip interruption

Vehicle protection

Custom parts and equipment value (CPE) coverage

Rideshare coverage*

Deductible Savings Bank®

Pet injury coverage

Quickly estimate how much auto insurance coverage you need**

  • What state do you live in?

    Why we ask: Minimum liability limits vary by state, along with coverage requirements for medical payments, personal injury protection, and uninsured/underinsured bodily injury and property damage.

  • Do you own a home or have assets totaling more than $50,000?

    Why we ask: Your total assets, including your home's equity, should be accounted for when determining the right amount of liability coverage.

  • Do you own or finance your car?

    Why we ask: Lenders often require higher liability limits on leased or financed vehicles, as well as comprehensive and collision coverage.

  • How much is your vehicle worth?

    Why we ask: Depending on your vehicle's value, you might need physical damage coverage even if your car is paid in full.

  • Do you owe more on your loan or lease than the car is worth?

    Why we ask: If the amount you owe on your vehicle exceeeds its value, gap insurance can pay the difference between your loan/lease amount and the market value of the car.

  • Do you have the funds available to purchase a new vehicle or repair your current vehicle if necessary?

    Why we ask: If your car is totaled or damaged in an accident, and you don’t have the funds to buy a new one or pay for repairs, then physical damage coverages are recommended — especially if you're dependent on your car for transportation.

  • When insuring your car, which do you prefer?

    Why we ask: You may prefer a lower rate for car insurance in exchange for a higher deductible. That means you'll pay more out of pocket if you have a policy claim. If you prefer a lower deductible, your insurance premium will increase.

  • Do you have easy access to another car if your car is totaled?

    Why we ask: Rental car reimbursement is an optional coverage that pays for a rental vehicle while your car is being repaired due to damage from a covered accident.

  • Do you use your car for ridesharing services?

    Why we ask: You need special coverage on your personal auto policy if you drive for a ridesharing company or delivery service in order to fill the gaps between your insurance and the company's.


Ready for a customized quote?

Now that you’ve seen the estimated coverages, get an accurate quote from Progressive in minutes. We’ll ask more detailed questions about you and your vehicle(s) and provide options to fit your unique needs.

Keep in mind that auto insurance coverages, limits, and deductibles vary. You'll get more information when you quote. All coverages are subject to policy terms and conditions.

Two ways to quote. Tons of ways to save.

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