Car Insurance FAQ

The average cost of a Progressive auto policy with only liability coverage ranges from $72.64 to $217.04 per month as of 2025, depending on your state.^* Many factors impact your price for auto insurance, including your age, driving history, where you live, the coverages you buy, and more. Learn what else affects the cost of car insurance.

If you're married or live with a significant other, you could save by sharing one auto policy instead of having separate policies. In general, if both of your vehicles are kept at the same residence, you can share a single car insurance policy. Learn more about sharing a car insurance policy with a spouse or significant other.

You can also share a car insurance policy with a roommate, but if they have a history of accidents or tickets, it's possible they could cause your rate to go up. If you don't share a policy but your roommate borrows your car, you should at least list your roommate as a driver on your car insurance. Learn more about car insurance and roommates.

It depends. The make and model of a vehicle is a factor car insurance companies like Progressive use to determine your rate, especially if you have comprehensive and collision coverages. Typically, the more expensive a car is, the more expensive it is to insure. Additionally, vehicle models with lower safety ratings and high repair costs may cost more to insure. Learn more about how make and model factor into your insurance rate.

Yes, you can bundle home and auto, renters and auto, and more. In fact, bundling any two or more Progressive policies in most states can earn you a multi-policy discount, including motorcycle, RV, and boat insurance.

You can earn discounts for owning a home, having multiple Progressive policies, adding your teen driver to your auto policy, and much more. See all of the car insurance discounts you could earn with us.

You can get an online quote in as little as four minutes with Progressive. If you prefer to chat with someone about your options, you can also call 1-855-347-3939 for questions about auto insurance or to quote over the phone.

Yes, you can add Progressive's 24/7 Roadside Assistance to your policy. Roadside Assistance provides towing, jump-starts, lockout help, and other services to keep you going.

Yes, Progressive offers rideshare coverage for personal auto insurance policies. If you use your vehicle for ridesharing, you must add rideshare coverage to your policy. Rideshare coverage fills in the coverage gaps between your personal auto policy and the rideshare company's insurance, giving you more protection between trips. Learn how Progressive rideshare coverage works.

How you're covered: Your personal auto policy with Progressive can cover you while driving a rental car, up to your coverage limits for your own vehicle. For instance, if you have comprehensive coverage on your car, that protection will apply to most rental cars.

Paying for a rental after an accident: If you have rental car reimbursement on your policy and your car is damaged in a covered accident, Progressive will pay for a rental (up to a specified limit and timeframe) while your own car is being repaired.

If you lend your car to someone and they cause an accident, Progressive may cover some of the damaged property they're liable for. It depends on the accident, your coverage limits, the specific damage caused, and other factors. Learn how insurance works when borrowing cars.

Progressive offers a similar coverage, known as loan/lease payoff coverage. It can help pay the difference between your vehicle's current value and what you owe on your loan or lease, up to your coverage limit. Learn more about loan/lease payoff coverage.

Yes, we offer coverage for classic, vintage, and collector vehicles through Progressive Classic Car by Hagerty®. Classic car insurance can cover your vehicle's true value at a lower rate than standard auto insurance. Learn how classic car insurance works.

Simply log in to your policy or call us at 1-855-347-3939 to add a vehicle to your Progressive auto policy. Generally, you just need to provide the vehicle's VIN, license plate number, and make and model.

Yes, and it's easy to change your policy. Log in to add or remove vehicles or drivers, change addresses, pay bills, and more. Or call us anytime at 1-855-347-3939, and a Progressive insurance representative will assist you. Keep in mind that some changes will affect the price you pay for insurance, so your premium may change.

Changes like adding a new vehicle or updating your mailing address may take effect right away. Other changes, such as adding or removing coverages, may take a few days. Contact us to learn more about how long your policy updates may take.

Yes, Progressive offers a few accident forgiveness benefits:

• Small Accident Forgiveness: We won't raise your rate if your first claim is less than $500. Available to all Progressive auto customers.
• Large Accident Forgiveness: If you've been with Progressive for five years and haven't had any accidents or violations, we won't raise your rate after a claim.
• Progressive® Accident Forgiveness^††: This optional policy feature lets you add additional accident forgiveness benefits. We'll forgive up to one accident per policy period, even if it doesn't qualify for Small or Large Accident Forgiveness.

Filing a claim is easy. You can either log in and file a claim, use the Progressive mobile app, or call our claims center. If you're not a Progressive customer and need to file a claim, you can report your claim online.

How long it takes to process and settle a claim varies based on the circumstances of the accident, state law, the severity of the injuries and/or property damage, and more factors.

Yes, contact us and a representative will help you cancel your policy.

Yes. You can switch insurers at any time, even if you just renewed your policy. When you cancel with an insurer, you'll get a refund for the money you paid in advance.

Yes, you can update your auto policy any time by either logging in or calling us at 1-855-347-3939.

You'll receive updated policy documents that reflect any changes in your rate, either in the mail or via email. Depending on your state, you may need to sign a form before you renew. If not, your policy may automatically renew if you're enrolled in automatic payments. Contact us to learn more.

Car insurance protects you financially if you're responsible for someone else's injuries, damaged vehicle, or other property after a car accident. It can also cover damage to your vehicle, pay for your medical bills, provide roadside assistance, and more.

Take a closer look at how car insurance works.

Most states require you to carry a minimum amount of liability coverage. It's generally a good idea to carry more than that minimum to better protect your assets. Some states also require coverage for your own medical expenses, such as medical payments (Med Pay) coverage or personal injury protection (PIP).

Use our car insurance calculator to estimate how much coverage you need and see if it's worth getting any optional coverages.

Liability insurance, or liability coverage, covers injuries or property damage you cause in an accident (up to your chosen limits). It's generally a good idea to carry higher limits so your own assets aren't at risk if you cause an accident.

Learn more about liability coverage.

Comprehensive coverage may pay to repair or replace your vehicle if it's damaged due to severe weather, like a hailstorm, or if it's damaged by something beyond your control, such as a fallen tree or a fire. It also covers damage from animal collisions, such as running into a deer.

Learn more about comprehensive coverage.

"Full coverage" is a term that usually refers to a policy with liability, comprehensive, and collision coverage, since it offers more protection in a wider range of situations. However, insurers generally don't use this term since it's misleading — no policy offers 100% coverage in all situations.

Learn more about "full coverage" and what coverages you can buy to better protect yourself on the road.

If you finance or lease a vehicle, your lender may require you to carry a certain amount of liability coverage, in addition to comprehensive and collision coverage with a specific deductible amount. Lenders have these coverage requirements since they either own or have equity in the vehicle until your lease expires or you pay off the loan.

You can look up your state's car insurance requirements. But don't worry — your Progressive auto policy will always meet your state's minimum requirements.

Yes. Progressive representatives are available to help you 24/7 — just call 1-855-347-3939.

You can call 1-855-347-3939 to speak with a Progressive representative at any time.

Yes! You can use the Progressive mobile app to:

• Pull up your proof of insurance/ID card
• File a claim, including photos
• Get roadside assistance
• View your policy info, including coverages
• And more