Does Progressive Have Good Car Insurance Discounts?

With Progressive’s car insurance discounts, policyholders save an average of over $650 a year. You can also save using Progressive’s PerkShare program.
Written by Amy Bobinger
Edited by Jessica Barrett
offers 13 different types of
car insurance discounts
to help policyholders save money. With their range of discounts, Progressive customers save an average of over $750 per year, or between 5% and 10% of their total car insurance premiums.

What car insurance discounts does Progressive offer?

auto insurance
discounts are divided into four main buckets: loyalty-based discounts, driver-based discounts, payment-based discounts, and miscellaneous savings tools. And you don’t have to pick just one: many of Progressive’s discounts can be stacked for maximum savings. 

Loyalty-based discounts 

Loyalty-based discounts are for drivers who have purchased multiple policies through Progressive. For example, if you insure more than one vehicle or if you opt to purchase both
car and home insurance
through Progressive, you can score a discount. 
  • Multi-policy
    : If you purchase more than one policy through Progressive, such as combining your auto insurance with homeowners’ or renters’, you can save an average of 5% on your policy with the multi-policy discount.
  • Multi-car
    : If you have more than one vehicle on your auto policy, you can save up to 12% on your premium.
  • Continuous insurance
    : The amount of this discount varies based on how long you’ve held a Progressive insurance policy. There are six tiers to this policy, as shown in the table below.
Time with Progressive
6 months
- Continuous insurance discounts
- Small accident forgiveness
1—3 years
Same as above, plus:
- Teen driver discounts
3—5 years
Same as above, plus:
- A bigger discount for continuous insurance
5—10 years
Same as above, plus: 
- Bigger discounts
- Large accident forgiveness
10—20 years
Same as above, plus: 
- VIP customer service
20+ years
Same as above, plus:
- The highest level of discounts
- Lifetime insurance renewals

Driver-based discounts 

Driver-based discounts take different demographics into consideration, like your age and whether or not you’re a homeowner. 
  • Snapshot
    : Snapshot is Progressive’s telematics program that monitors your driving habits in real-time and rewards
    safe driving
    with a discount. With the Snapshot discount, drivers save an average of $231 a year.  
  • Teen driver: If you add a driver who is 18 or younger to your policy, you can earn a discount to help offset the increase in your premium. 
  • Good student
    : With Progressive, it pays to get good grades! Students who are 23 or younger can save an average of 10% with a good student discount if they maintain a B average or higher. 
  • Distant student
    : If a full-time student lives more than 100 miles from home and leaves their car at home, they may be eligible for the distant student discount. 
  • Homeowner discount: You can save up to 10% on your Progressive car insurance policy simply for owning your home. Plus, the home in question does not have to be insured with a Progressive home policy. 

Payment-based discounts 

The next group of discounts is linked to how you pay your insurance bill. Let’s take a look at precisely what that means—and how you can score these discounts: 
  • Online quote: Progressive will give you an average 7% discount if you get a quote online instead of calling an agent. This discount applies even if a Progressive representative finalizes your policy over the phone.
  • Sign online: This is an easy one—Progressive policyholders can save an average of 9% by signing policy documents online. 
  • Paperless: Another easy one, but only offered in conjunction with the sign online discount. You can earn this discount if you opt into receiving your Progressive documents via email. 
  • Pay in full
    : Paying for your policy upfront will earn you a discount, but the exact rate will vary. 
  • Automatic payment
    : If paying in full isn’t a financial option for you, this discount will come in handy. You can save by setting up automatic payments to a checking account, credit card, or debit card. Keep in mind that this discount cannot be combined with the pay-in-full discount. 

Savings tools 

Lastly, we’ve got the savings tools. While they technically aren’t auto insurance discounts, they can help you save even more money on your Progressive insurance coverage. And if you’ve seen even one Progressive commercial in recent years, the Name Your Price® Tool should ring a familiar bell. 
  • AutoQuote Explorer: With AutoQuote Explorer, you can compare your Progressive quote against quotes from other insurance providers in real time. 
  • Name Your Price® Tool: This tool is one of Progressive’s most notable products. With the Name Your Price® Tool, you can tell Progressive how much you’d like to pay, and they will tell you which of their policies fit your budget. 
  • Deductible savings bank: For every term of your policy (six months) that you don’t get into an accident or file a ticket, Progressive will subtract $50 from your collision or
    comprehensive deductible
    . Be aware that opting into the program will make your policy slightly more expensive.  
More ways to save with Progressive
Check out these discounts offered through Progressive's PerkShare program
Type of Discount:
Discounts include:
  • Rental car through Enterprise, National, Alamo, & more
  • Car shopping service
  • AutoCheck vehicle history report
  • SiriusXM
  • Oil changes, tire care, & more
  • Closing costs at Rocket Mortgage
  • PODS moving and storage
  • Home renovations & repair
  • Home security
  • Custom moving box labels
  • Ridesharing
  • Dining certificates
  • Legal support
  • Device protection
  • Mobile banking
  • Tickets to sporting events
  • Outdoor vehicles
  • Travel guides & magazines
  • Outdoor safety courses

Does Progressive have good car insurance discounts?

With Progressive, the appeal of their available car insurance discounts really boils down to one thing: your eligibility. If you qualify for their discounts, you can find yourself saving a pretty penny on your auto insurance rates. 
On the flip side, popular discounts that are commonly offered by other car insurance companies, like
defensive driving
good driver
discounts, are noticeably absent from their list.  
Even though the discount selection may not be as vast as some other providers, there’s a reason Progressive has such a tight grip on the car insurance market: their savings tools
The Name Your Price® Tool is an easy way to keep your monthly car insurance rates at an affordable level and help you keep a little more cash in your pocket. And while Progressive may not offer a safe driving discount, with Snapshot, you can still be rewarded for practicing safe driving habits. 
The bottom line? The discounts from Progressive may be slim pickings for some, but the savings tools they offer can help compensate for it.
Be sure to compare car insurance quotes from multiple providers using a
quote comparison tool
—the AllCar™ app!
"It never occurred to me to look for more insurance quotes, but I’m so happy I saw
. After using the app, I am saving $2,000+ a year through my new Progressive plan. I told my dad, and now he’s saving on his insurance too!” —Jarod M.


Progressive does offer a military discount, but it is only available to policyholders in Louisiana—the only state that legally requires car insurance providers to offer one. The 25% discount is available both for military members and their spouses/dependents.
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