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Carrier Partner
Progressive is one of the 30+ carriers Dragon Insurance compares for auto and home insurance in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky. This review covers Progressive's coverage options, the Snapshot telematics program, its strength for high-risk and SR-22 drivers, and how it compares to Safeco and Liberty Mutual so you can make an informed decision.
Progressive Strengths
Progressive Limitations
Progressive offers the full range of standard and optional personal auto coverage. Coverage availability, discounts, and add-ons vary by state. Here is what a standard Progressive auto policy includes.
| Coverage | What It Covers | Standard or Optional |
|---|---|---|
| Liability | Bodily injury and property damage you cause to others | Standard (required by law) |
| Collision | Damage to your car after a crash with another vehicle or object | Optional (required if financed) |
| Comprehensive | Theft, fire, vandalism, weather, hitting an animal | Optional (required if financed) |
| Uninsured/Underinsured Motorist | Injuries and damage caused by drivers with no or insufficient insurance | Optional (recommended) |
| Medical Payments / PIP | Your medical bills after an accident regardless of fault | Varies by state |
| Rental Reimbursement | Daily rental car cost while your car is being repaired | Optional add-on |
| Roadside Assistance | Towing, flat tire, lockout, fuel delivery | Optional add-on |
| Gap Coverage (Loan/Lease Payoff) | Difference between your car's ACV and loan or lease balance after a total loss | Optional add-on |
| Snapshot (telematics) | Usage-based discount for safe, low-mileage driving habits | Optional enrollment |
Progressive also sells homeowners insurance, marketed as Progressive Home. Coverage is frequently placed through an affiliated or partner insurance company rather than Progressive's own auto underwriting entity, so your home policy may arrive on different paper than your Progressive auto policy. That does not change how a covered claim is handled, but it is worth knowing before you buy.
Bundling Progressive Home with Progressive auto still earns a multi-policy discount on both policies. If a single carrier underwriting both your auto and home matters more to you than the size of the discount, Safeco and AAA typically offer a more unified bundle experience, and Dragon Insurance compares all of these side by side.
Dwelling Coverage
Rebuilds or repairs your home's structure after covered perils including fire, wind, hail, and lightning.
Personal Property
Covers your belongings at home and away. Replacement cost or actual cash value options may be available depending on the underwriting partner.
Liability Protection
Covers injuries to others or accidental property damage you cause, on or off your property.
Loss of Use
Pays reasonable hotel and additional living costs while your home is being repaired after a covered loss.
Bundling Discount
Combine Progressive Home with Progressive auto for a multi-policy discount on both policies.
These three carriers are all in Dragon Insurance's network. Progressive's biggest advantage over the other two is pricing for higher-risk and SR-22 drivers. Here is a direct comparison for the most common profiles we quote in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
| Category | Progressive | Safeco | Liberty Mutual |
|---|---|---|---|
| High-risk / SR-22 drivers | Best option | Higher rates | Higher rates |
| Clean-record, excellent credit | Compare against Safeco/Liberty | Competitive | Competitive |
| Telematics program | Snapshot | RightTrack | RightTrack (same) |
| Budget-based quoting tool | Name Your Price | Not offered | Not offered |
| Bundling discount | Available (home often via partner) | Strong | Strong |
| AM Best rating | A+ (Superior) | A (Excellent) | A (Excellent) |
| Best for | High-risk, SR-22, non-standard drivers | Bundle seekers, clean records | Similar to Safeco |
Safeco is a Liberty Mutual subsidiary sold as a separate brand with independent pricing, so the two may quote different rates for the same risk profile. Progressive is a separate, independent public company with no ownership relationship to either.
Snapshot is Progressive's usage-based telematics program, and it works on the same basic idea as Safeco's RightTrack: you opt in, your driving is observed for a period of time, and safe, low-mileage drivers earn a discount at renewal. For the full ratings breakdown and where Progressive fits against the rest of Dragon's panel, see our in-depth Progressive Auto Insurance Review.
1
Enroll
Sign up for Snapshot through the Progressive app or a plug-in device. Enrollment is free and does not obligate you to keep the program.
2
Drive
Snapshot observes your everyday driving, including braking habits, mileage, and how often you drive late at night. Normal, safe driving is not affected.
3
Score
Progressive calculates a personalized rate impact from the driving data collected during your enrollment period.
4
Save
Careful and low-mileage drivers typically see a discount at renewal. Ask your Dragon agent whether Snapshot fits your driving profile before you enroll.
Dragon Insurance is an independent agency based in Camp Hill, PA. We compare Progressive against 30+ other carriers, including Safeco, Liberty Mutual, GEICO, Plymouth Rock, National General, Bristol West, and The General, in one call, so you never pay more than you have to. If Progressive wins for your profile, especially if you have a ticket, an at-fault accident, or need an SR-22 filed, we place it there. If a clean-record carrier like Safeco or Liberty Mutual beats it, we show you that too.
We serve Progressive clients in Pennsylvania (Harrisburg, Camp Hill, York, Lancaster, Allentown), Texas (Arlington, Fort Worth, Irving), Virginia, Maryland, Ohio, Tennessee, and Kentucky. Most quotes take under 1 hour. Call 717-229-5115 or start a quote online.
Yes, for the right driver. Progressive holds an AM Best A+ (Superior) rating and is frequently the most competitive option for drivers with prior incidents, SR-22 needs, or non-standard situations. It is not automatically cheapest for every profile, and renewal rates can rise, so compare it against other carriers first.
Yes. Progressive is often the carrier that comes back with a workable rate for drivers with tickets, at-fault accidents, a recent lapse, or an SR-22 requirement. Dragon also compares Bristol West and The General for the same drivers, but Progressive is frequently the front-runner.
Snapshot is Progressive's telematics program. It looks at smooth braking, mileage, and late-night driving habits through the app or a plug-in device. Careful or low-mileage drivers can earn a meaningful discount. Ask your Dragon agent whether it fits your driving profile before enrolling.
It can. A competitive first-term rate is one of the most common ways Progressive wins business, but it can rise at the first or second renewal. Re-shop every year rather than auto-renewing, and Dragon will compare it against the rest of the panel for you.
It depends on your profile. Progressive is typically stronger for tickets, at-fault accidents, or SR-22 needs. Safeco and Liberty Mutual are typically more competitive for clean-record drivers and single-carrier bundles. We compare all three in one call.
Yes, sold as Progressive Home, though it is frequently underwritten by an affiliated or partner company rather than Progressive itself. Bundling still earns a multi-policy discount. If a true single-carrier bundle matters most, Safeco and AAA typically fit that better.
It is a Progressive tool that lets you start from a monthly budget and see which coverages fit. It is useful for understanding trade-offs, but have an agent confirm the resulting limits are actually adequate before you buy.
Yes, at the same price as buying direct, since agents are paid by the carrier, not the customer. Dragon quotes Progressive alongside GEICO, Safeco, Liberty Mutual, Plymouth Rock, and National General on the same limits and tells you which one actually wins.
Coverage We Compare With Progressive
Auto Insurance
Progressive is a top carrier we quote for tickets, accidents, and SR-22 filings.
Learn more
Home Insurance
Compare Progressive Home rates against Safeco and other bundle-friendly carriers.
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Renters Insurance
Progressive renters bundles with auto for a multi-policy discount.
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Safeco Insurance Review
Compare a carrier that's often stronger for clean-record, single-carrier bundles.
Learn more
All Carrier Partners
See all 30+ carriers we compare for your quote.
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