When it comes to buying car insurance, the first and arguably most important step is getting a quote. A car insurance quote gives you an estimate of how much you’ll pay for coverage — and with major insurers like Progressive, you can often get this quote in just a few minutes. In this guide, we’ll walk through everything you need to know about Progressive car insurance quotes and how to get the best rate possible.
What Is a Progressive Car Insurance Quote?
A car insurance quote from Progressive is essentially an estimate of how much you’ll pay for a policy based on your personal details, driving history, coverage choices, and vehicle information. This isn’t a fixed price — it’s a tailored estimate that helps you understand your potential premium before you buy a policy.
Progressive has served millions of drivers and offers a range of tools and discounts that can lower your rates depending on how you quote, your driving behavior, and what coverages you choose.
Why Get a Quote (and Why It Matters)
Quoting car insurance helps you:
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Compare prices between insurers. Progressive even lets you compare its quote with other carriers at the end of the process.
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Customize your coverage before buying (like liability limits, collision, comprehensive, roadside, and more).
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See potential discounts before you decide — saving money upfront.
Most experts recommend shopping for car insurance at least once a year, because rates can change and you might find a better deal by simply getting a new quote.
How to Get a Progressive Car Insurance Quote (Step-by-Step)
Progressive makes it easy to get a quote in multiple ways — online, over the phone, or through an agent.
1. Online Through the Progressive Website
Getting a quote online is fast and usually takes just a few minutes:
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Visit the Progressive auto insurance page and choose the “Get a Quote” option.
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Enter your ZIP code and basic personal info — name, address, age, etc.
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Provide vehicle details like make, model, year, and mileage.
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Enter your driving history, including accidents or tickets.
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Customize your coverage choices.
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View your quote and explore discount options.
This method often delivers the fastest quote, and you may even qualify for an online quote discount.
2. By Phone
If you prefer talking with a real person, you can call Progressive’s customer service or sales line to get a quote:
📞 Call Progressive at 1-800-776-4737 — available 24/7.
A representative will walk you through the quote process and can answer coverage questions you might not get online.
3. Through a Local Agent
Progressive also works with thousands of independent agents across the U.S. These local agents can help you:
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Compare Progressive quotes with other insurers.
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Explain how coverage limits and deductibles affect your price.
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Review available discounts for your specific situation.
This is a great option if you want personalized guidance.
What Information You’ll Need to Get a Quote
To get an accurate Progressive quote, you’ll want to have the following ready:
✔️ Driver’s license number
✔️ Vehicle details (make, model, year, VIN)
✔️ Your driving history (accidents, tickets)
✔️ How much you drive (estimated annual mileage)
✔️ Desired coverages and deductibles
Being honest and thorough is important — inaccuracies can lead to quotes that don’t reflect what you’ll actually pay.
Progressive Car Insurance Discounts That Can Lower Your Quote
One of the biggest advantages of using Progressive is the number of available discounts that can reduce your final premium. Some major ones include:
💰 Discounts Based on How You Quote
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Online Quote Discount – Save simply by quoting online.
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Sign Online Discount – If you sign your documents online.
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Paperless Discount – Opt to receive documents by email.
🔁 Payment Discounts
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Pay in Full Discount – Save by paying your policy premium upfront.
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Automatic Payment Discount – Set up automatic payments from your bank or card.
🚗 Driving & Lifestyle Discounts
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Multi-car Discount – Insure more than one vehicle.
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Good Student or Teen Discounts – For eligible student drivers.
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Snapshot® Safe Driving Discount – Based on how safely you drive.
Most Progressive customers qualify for at least one discount, and some qualify for many — which can significantly reduce prices.
Common Questions About Progressive Quotes
📌 Does a quote cost anything?
No — Progressive quotes are free and non-binding. You can get multiple quotes to compare without any obligation.
📌 How long is a quote valid?
Typically, insurance quotes are only valid for a limited time (often 30 days). If you wait too long, you might need a fresh quote at current rates.
📌 Will getting a quote hurt my credit?
Simply getting an online quote does not affect your credit score. Insurers might do a formal check only when you purchase a policy.
Tips to Get the Best Progressive Quote
✔ Shop Around
Even if you love Progressive, it’s smart to compare with other insurers to ensure you’re getting value.
✔ Update Your Driving Profile
If you’ve had a clean driving record since your last quote, re-quoting could lower your rate.
✔ Adjust Coverage Choices
Opting for a higher deductible or dropping certain coverages on older vehicles can reduce your premium — just be sure you’re still adequately protected.
Final Thoughts
Getting a Progressive car insurance quote shouldn’t be stressful — and with the tools and discounts available, many drivers find that Progressive offers competitive pricing tailored to their needs.
Whether you choose the online quote tool, call a Progressive representative, or work with a local agent, you now know exactly what to expect — and how to get the most value from your car insurance quote.