Already confused? Here’s how to get the right coverage now.

Progressive customers

If you’re consistently driving in different states, we’re always here to answer questions and customize a policy to your unique situation:

Log in to your policy or call us at 866-749-7436.

Non Progressive customers

Get a free car insurance quote online or call 866-749-7436. We’ll ask about your address(es) and make sure you have the right policy for the right state.

What if I work in a different state than where I live?

You only need one policy, and you’re covered in both states

The key is where you keep your vehicle most of the time. For example, if you live in Pennsylvania but work in New Jersey, you would have a Pennsylvania policy because that's where your vehicle is kept overnight. The rare exception would be if you kept a second vehicle at your workplace in New Jersey. In that case, you would also need to purchase an additional New Jersey policy because you’re keeping a car there overnight.

What if I have two homes in different states?

If you keep vehicles at both homes, you’ll need a separate policy for each state

For example, let’s say you have homes in New York and California. You regularly go back and forth between your two addresses and you keep a car at each residence. Because one car is always kept in New York and the other stays in California, you’ll need to have two policies to make sure both cars are covered. That means you’ll have an auto policy for New York and an auto policy for California.

Snowbird exception

You’ll only need one policy if your car travels with you

If you’re a “snowbird” that splits time between, say, Arizona and Ohio, your policies may not have to overlap. You’ll have an Arizona policy for the fall and winter months when you’re in Arizona. And when you move back to Ohio for the spring and summer months, you’ll cancel your Arizona policy and start a policy for Ohio. This is known as rewriting your policy for a different state and, assuming your car moves with you, it helps you avoid having to pay for two policies at the same time. The easiest way to do this is by calling us at 866-749-7436.