Does Progressive Offer Liability Insurance?
Progressive’s liability insurance coverage is available in all 50 states and D.C. Let’s find out if it’s the best liability coverage for you!
Written by Jason Tushinski
Reviewed by Pat Roache
Table of Contents
- Does Progressive offer liability insurance?
- Do you need more than liability insurance?
- Cost of Progressive liability insurance
- The bottom line
- FAQs
Load full table of contents
Progressive offers a full menu of liability policies, including car insurance, homeowners insurance, personal umbrella insurance, and business insurance. For drivers, the average cost of a Progressive auto liability policy is between $46 and $137 per month.
Liability car insurance
covers the costs of other drivers if you cause an accident, and it is the foundation of most car insurance
policies. How does Progressive liability coverage compare to other major providers? Keep reading to find out and get valuable tips on how to lower your car insurance costs.Does Progressive offer liability insurance?
Progressive offers a variety of liability insurance policies, including car insurance,
liability home insurance
, small business liability insurance, personal umbrella liability coverage
, and more. But for our purposes, we’re focusing on car insurance, which Progressive (and all providers) breaks down into two categories:- Bodily injury liability insurance: Bodily injury (BI) coverage pays for the medical bills to treat injuries caused by you in an accident. This means any hospital bills, pain and suffering, and potentially lost wages will be covered, shielding you from being personally sued in court.
- Property damage liability insurance: Property damage (PD) coverage pays for any damage you cause to someone else’s property. This usually means another driver’s vehicle, but it could mean someone’s fence that you crashed through or a garden that you ruined. PD will also pay for court costs in case you are sued.
A Progressive agent will be able to inform you of any policy exclusions.
Forty-seven out of fifty states require drivers to carry a minimum amount of BI and PD liability auto coverage.
Florida
only requires property damage liability coverage. In New Hampshire
and Virginia
, some drivers that meet a specified set of requirements don’t need to carry any liability insurance at all. In any other state, your Progressive auto liability policy must meet your state’s minimum liability amount, but it is usually a smart move to buy more than the required coverage.RECOMMENDED
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Do you need more than liability insurance?
It depends on where you live and the state of your finances. States such as
Texas
and California
require drivers to only carry liability insurance. However, several states also require personal injury insurance (PIP)
or uninsured/underinsured motorist coverage
.So, you may need to buy more than just liability coverage depending on the following factors:
- You reside in a state that requires extra insurance coverage: Be sure to know what you need by checking your state’sminimum insurance requirements.
- You want to lease or finance a car: Most lenders will require you to carryfull coverage insurance, which adds vehicle-protecting coverages to your standard liability coverage.
- You have specific risk factors: If you live in a high crime area, drive a luxury vehicle, or work for a rideshare company, you may especially benefit from addingcomprehensive coverageand/orcollision coverageto your policy.
- You or your regular passengers do not have health insurance: Coverage such as personal injury protection andmedical payments coveragepays for the injuries sustained in an accident for you and any passengers. If you have no health insurance, or a very expensive deductible, these coverages are an affordable way to protect yourself and your passengers.
Cost of Progressive liability insurance
On average, a Progressive policy will cost you between $553 and $1,642 per year for liability insurance.
Your individual cost will depend on a slew of factors including the amount of coverage you select, any other required coverage in your state, and your personal risk factors. Your age, marital status,
gender
, driving record, credit score
, location, vehicle type, and other metrics also come into play when setting your premium.Below you’ll see the average costs of minimum coverage—meaning liability insurance and any other coverage required by your state—from Progressive vs. other major insurance companies.
Insurance company | Average annual cost of minimum coverage | Average monthly cost of minimum coverage |
|---|---|---|
GEICO | $373 | $31 |
State Farm | $464 | $39 |
Allstate | $545 | $45 |
Progressive | $553 | $46 |
Nationwide | $567 | $47 |
You should always shop around to find the most affordable liability insurance for you. Compare
car insurance quotes online
from three to five carriers to ensure you are getting the coverage you need at the price you want.The bottom line
Progressive is a solid choice for liability coverage, even if it costs slightly more than its major competition. Progressive offers a slew of other insurance products depending on your needs, so it could be a good spot for bundling and taking care of all your insurance needs.
"Just for state minimum liability, I was getting quotes from $70 to over $100/month until I foundJerry. Now my car insurance is under $30/month, or $140 for 6 months. Thank you, Jerry!” —Frank S.
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FAQs
What is the difference between liability and full coverage insurance?
In most states, liability coverage is the most basic type of car insurance you’ll be required to carry. It pays for the medical expenses and property damage of others when you cause an accident. Full coverage includes comprehensive and collision coverage on top of liability insurance, which pays for personal vehicle damages across many circumstances.
Is liability insurance required by law?
A certain amount of liability insurance is required by law in 48 out of 50 states. Only Virginia and New Hampshire do not require drivers to carry a minimum amount of liability coverage, though it is still available for purchase in those states.
Does liability insurance have a deductible?
No, liability insurance does not have a deductible. You’ll only need to pay a deductible if you carry comprehensive or collision insurance and need to file a claim under those coverages.
Does Progressive provide proof of insurance?
Yes, Progressive will send both new and renewing customers proof of insurance in the mail. If you opt for Progressive’s paperless services, you’ll be able to print out a copy of your proof of insurance. You’ll also have access to a digital insurance card online.
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