Car Insurance Coverages

What types of car insurance coverage does Progressive offer?

We provide coverage for accidents you cause, injuries you or your passengers suffer, damage to your vehicle, and many other situations. Most of our coverages include different limits or deductibles, so you can tailor your protection to your needs. Plus, you can add specialized coverage for car rentals, roadside assistance, and more.

Common car insurance coverages

Liability

Liability coverage can pay for injuries or damages you cause, up to your policy's limits
Uninsured/underinsured motorist (UM/UIM)

UM/UIM coverage can cover injuries and property damage caused by a driver with little or no insurance
Medical payments (Med Pay)

Medical payments coverage (Med Pay) can pay for medical and funeral expenses for you, your family members, or passengers
Personal injury protection (PIP)

Personal injury protection (PIP) is offered in some states and protects you in a similar way as Med Pay, but with additional benefits
Comprehensive

Comprehensive coverage protects your vehicle from events out of your control, including fire, theft, vandalism, and more
Collision

Collision coverage pays to repair or replace your damaged vehicle if you collide with another object or vehicle

Cover With Confidence

Get a car insurance quote and see how much coverage similar drivers chose for liability, uninsured motorist, and more coverage types. Looking for more information before you quote? Look up the car insurance requirements in your state.

Additional car insurance coverages & features

Loan/lease payoff

If you finance or lease your car and it's stolen or totaled, loan lease payoff may cover the difference between what you owe on your vehicle and its actual worth, up to 25% of its actual cash value.

Rental car reimbursement

With rental car reimbursement, we'll pay for a rental car if you're in a covered accident, up to your policy's limits.

Auto roadside assistance

Progressive's Roadside Assistance pays for towing services, lock-out service, flat tire changes, fuel/fluid delivery if you run out of gas, and other related issues.

Trip interruption

Trip interruption, in states where available, is an add-on for customers who have Progressive's Roadside Assistance coverage. If you're more than 100 miles from home and your car breaks down, trip interruption can pay up to $500 of your related covered costs. The daily limit is $100 for lodging, $50 for transportation, and $50 for food. Trip interruption isn't available for off-road vehicles.

Vehicle protection

Where available, Progressive Vehicle Protection covers a newer car's major systems (non-accident-related), minor dents and dings, and even lost, stolen, or damaged keys. You may be eligible for this coverage if your car is less than seven years old and you have liability, comprehensive, and collision coverages.^†

Custom parts and equipment value (CPE) coverage

Custom parts and equipment (CPE) coverage can help pay to repair or replace items that you add to modify your car, like a stereo, navigation system, custom wheels, or even a paint job. CPE coverage typically has a $5,000 limit.

Rideshare coverage^*

If you drive for a rideshare service, rideshare coverage must be added to your Progressive auto insurance policy to protect you when you're logged into a ridesharing app or delivery service platform and waiting for a trip/delivery request.

Deductible Savings Bank®

You can add Deductible Savings Bank to your auto insurance policy, which subtracts $50 from your collision or comprehensive deductibles for every violation and claim-free six-month policy period. Learn more about disappearing deductibles.

Pet injury coverage

We'll cover up to $1,000 of your pet's veterinary bills if they're injured in an accident while riding in your car with you. Pet injury coverage is automatically included when you add collision coverage to your policy.

Renters insurance add-on

You can easily purchase renters insurance as an add-on to your auto policy, covering you and your belongings and meeting your landlord's requirements all in one policy.^††

Quickly estimate how much auto insurance coverage you need^**

Keep in mind that auto insurance coverages, limits, and deductibles vary. You'll get more information when you quote. All coverages are subject to policy terms and conditions.