Progressive Car Insurance Discounts: Full List, Potential Savings, and More

One of the easiest ways to lower the cost of car insurance is to take advantage of discounts. Many discounts are stackable, allowing you to rack up the savings more easily. But not all apply to your policy automatically, so it’s worth researching how to apply them to get the most savings on your auto policy.

Progressive offers 13 discounts, with the multi-car and Snapshot discounts being the largest. This guide breaks down Progressive’s discounts by type, potential savings, how to apply, and other savings opportunities.

Full List of Progressive Discounts

You can get up to 13 car insurance discounts from Progressive. Discount availability, eligibility, and savings can vary by state. The table below shows the full list of Progressive discounts.

Discount	Maximum Advertised Savings
Multi-policy	Varies
Continuous coverage	Varies
Teen driver	Varies
Good student	Average of 10%
Snapshot safe driver	Average savings of $231
Distant student	Varies
Homeowner discount	Varies
Multi-car	Average savings of 12%
Online quote discount	Average savings of 7%
Sign online discount	Average savings of 9%
Paperless	Varies
Pay in full	Varies
Automatic payment	Varies

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Progressive Age-Related Discounts

Young drivers are expensive to insure. Fortunately, many insurers offer age-related discounts to help offset the higher insurance premiums. Here’s the ones Progressive offers:

• Teen driver discount: Add a teen driver 18 or younger to your Progressive auto policy to get the teen driver discount.

• Good student discount: Full-time students with a B or above GPA can save up to 10%.

• Distant student discount: If you go to school at least 100 miles from home, you can save on your car insurance policy by leaving your car at home.

Progressive Homeowner Discounts

Few companies offer car insurance discounts specifically to homeowners, but Progressive does.

You can qualify for this discount simply by owning your home, even if you don’t insure your home with Progressive.

Progressive Payment Discounts

Being flexible with your insurance payments and how you receive policy documents can help you save a good chunk of money on your auto policy. Progressive offers multiple ways to save with payment and online discounts:

• Online quote discount: Save an average of 7% by getting a quote for car insurance online, even if a Progressive representative finishes the quote by phone.

• Sign online discount: Sign your policy documents online to get an average of 9% savings.

• Paperless discount: Receive your policy documents by email and sign your documents online to get Progressive’s paperless discount.

• Pay in full discount: Pay your entire premium at once to receive the paid-in-full discount.

• Automatic payments discount: If you can’t pay in full, set up auto pay on your monthly payments to get a discount.

Progressive Loyalty Discounts

Staying loyal to one car insurance company could land you one or more loyalty discounts. Progressive offers the following three loyalty discounts:

• Continuous coverage discount: When you switch to Progressive, you can earn a continuous coverage discount at your first policy renewal, which varies depending on how long you’ve had continuous insurance with your prior insurer.

• Multi-policy discount: With the multi-policy discount, you can save an average of 7% on your car and home insurance with Progressive. You could save more by getting more policies, like RV or motorcycle insurance.

Progressive Telematics Discounts

If you’re comfortable with your insurance company tracking your driving habits, consider Progressive’s telematics program. This increasingly common usage-based insurance program can help safe drivers save on car insurance when driving less, staying off the phone, and avoiding late-night driving, hard braking, and fast acceleration.

Progressive’s Snapshot program comes with an enrollment discount, which offers an average savings of $94, according to the company’s website. After your first renewal with Snapshot, you’ll lose the enrollment discount but typically gain a program completion discount, saving an average of $231 per year.

That said, around two out of 10 drivers see their rates increase for risky behavior, like driving late at night, braking hard, and driving faster than the posted speed limit.

Progressive Driving Record Discounts

Progressive doesn’t offer any explicit discounts for having a good driving record, but your driving record can help you save in other ways. For example, you’re eligible for accident forgiveness coverage if you don’t have any tickets or at-fault accidents in your recent driving history. Though the coverage may increase your premium when you add it, it can provide substantial savings by preventing a policy surcharge when you cause an accident.

Progressive also offers a deductible savings bank feature for a small fee, which it doesn’t advertise. You can bank $50 at each policy renewal toward your comprehensive or collision deductibles if you remain ticket- and accident-free.

Progressive Vehicle Discounts

Insurers typically offer discounts based on the type of car you drive and the equipment it comes with. For instance, if you have a factory-installed anti-theft device, like a car alarm or GPS tracker, you could qualify for an anti-theft device discount. 

Another common discount is for safety features, such as anti-lock brakes, airbags, and locking seat belts.

Unfortunately, Progressive doesn’t offer vehicle discounts. While a lack of vehicle-related discounts may mean Progressive isn’t a good fit if you have a new car with the latest safety features and anti-theft protection, it may be a good fit if you have an older vehicle that lacks these features.

How to Add Discounts to Your Progressive Policy

Adding a car insurance discount to your Progressive auto policy depends on the discount. Some have certain requirements you must meet first, while others apply automatically.

For example, if you sign your policy documents online, go paperless, or set up automatic payments from your bank account, Progressive will automatically apply those discounts to your policy. Likewise, the company will verify your prior insurance history and automatically apply the continuous coverage discount.

But for discounts like the good student discount, you’ll need to provide proof of a qualifying student’s grade report, dean’s list, or honor roll certificate to get the discount. You may also need to provide a copy of your homeowners insurance policy from another company, your tax assessment, or closing documents to get the homeowner discount.

Other Ways to Save With Progressive

Although discounts are an easy way to save on your auto policy, they aren’t the only option. Consider these other ways to save with Progressive:

• Use the Name Your Price tool. If your budget is limited, consider Progressive’s Name Your Price tool. You’ll enter some basic info about yourself and how much you can pay, then the tool will provide coverage options within your budget.

• Avoid accidents and tickets. Progressive estimates drivers with no at-fault accidents or tickets in the last three years pay an average of 34% less for auto insurance than drivers who do.

• Stick with Progressive. Continuous insurance for at least six months gets you priority call routing in most states. If you stick with Progressive for 20 years — or 16 with Progressive and four continuous with a prior insurer — you’ll get a lifetime renewal guarantee, meaning you won’t get dropped, regardless of your driving record.

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Progressive Insurance Discount FAQs

Sources

1. Insurance Information Institute, “How to find the right auto insurance,” accessed January 15, 2025.