Car Insurance Discounts and Ways to Save

The average driver who switches to Progressive saves $699 per year.* That's no accident. From the moment you start a car insurance quote to the purchase of your policy, we're all about finding you auto insurance discounts and saving you more.

Just get a quote today and see why 99% of our auto customers earn at least one discount. It's the best way to save on car insurance. Note that discount availability will vary by state.

Loyalty-based discounts:


Average discount: 5%

You'll save with Progressive when you have two or more policies. For instance, if you have auto and boat insurance with us, you'll get a discount on one of those policies. Same goes for auto + motorcycle, auto + RV or any other combination of Progressive products. If you have auto + home insurance with us, we'll double the discount! You'll earn multi-policy discounts on both your home and auto policies. See more on bundling insurance.


Average discount: 12%§

Save if you have more than one vehicle listed on your policy. Remember, you can add any car to your auto policy (belonging to a spouse, family member, roommate, etc.), as long as it is kept primarily at your address.

Continuous insurance

Average discount varies**

We honor the time you've spent with a previous insurer, so you won't have to worry about losing any longevity benefits when you switch to Progressive. Your actual discount value will depend on how long you've been consistently insured with no gaps or cancellations.

Driver-based discounts:

Snapshot: BIG discounts for good drivers

Average discount: $145§

Our Snapshot® program personalizes your rate based on your actual driving. The safer you drive, the more you can save.

Teen driver

Average discount varies††

You may have heard adding a teen driver to your policy may increase your price. We'll help you offset the cost a bit with our teen driver discount (driver must be 18 years or younger).

Good student

Average discount varies††

A smart student makes you a smart shopper. Add a student on your policy who maintains a “B” average or better, and we'll add a car insurance discount. You'll also earn a discount if you have a student on your policy who is in college, more than 100 miles from your residence, and is 22 years or younger.

Distant student discount

Average discount varies††

If you have a full-time student on your policy and they're more than 100 miles from home, you'll receive a discount—as long as they don't have a vehicle while away at school.


Average discount: Nearly 10%††

You'll get another discount simply for being a homeowner, even if your home is not insured through Progressive's network of home insurers.

Discounts for how you quote and buy

Online quote

Average discount: 4%††

You'll get this discount if you quote car insurance online. It still applies if a licensed Progressive representative finishes your quote for you over the phone.

Sign online

Average discount: 8.5%††

Another easy discount anyone can earn. If you're comfortable signing your documents online, we're comfortable kicking in Progressive's sign online discount.


Average discount varies††

Simply opt to receive your documents via email, and we'll automatically provide a discount. This is dependent on signing your documents online, and is in addition to our sign online discount.

Pay in full

Average discount varies††

If you can pay for your six month policy up front, you'll earn a discount.

Automatic payment

Average discount varies

Pay in full not quite right for you? That's okay! When you purchase your policy, we'll give you a discount for setting up automatic payments from a checking account. You cannot combine the automatic payment and pay in full discounts.

Tools we offer to help you save

Compare auto rates

Compare similar coverages at a handful of companies and see the best price. We'll show our rate first and let you compare it against competitors. See more on comparing rates.

Try the Name Your Price® Tool

You get to tell us what you want to pay! Try it and we'll show you a range of coverages in your budget. See more on the Name Your Price Tool.

Deductible savings bank

Shrink your deductible in case of a claim! For each policy period without an accident or violation, we'll subtract $50 from your comprehensive or collision deductible. This is an optional coverage that will slightly increase your policy's cost.

More ways for car insurance savings

Avoid tickets and accidents

Safe driving = more savings with Progressive. If you've had no tickets or accidents in the past three years, your policy price could be an average of 31% lower compared to our customers who have accidents or violations.

Small Accident Forgiveness

At Progressive, starting with your first policy, we won't raise your rate for a claim less than $500.

Large Accident Forgiveness

If you've been a Progressive customer for at least five years, with no accidents in the last three years, your rate will not increase if you have an accident.

We know you want to save as much as you can. But do you want the lowest possible rate (even if that means less coverage)? If so, check out our cheap car insurance tips.