What Discounts Does Progressive Offer?

To get the Progressive paid-in-full discount, drivers need to pay for six months of coverage upfront. Customers is California and New York can't get this discount due to state laws about the factors car insurance companies can use to set rates and discounts. Progressive does not provide specific information about how much you can expect to save by paying in full. But paid-in-full discounts from other major car insurance companies range from about 8% to 20%.

If you can't pay in full upfront, you can save with Progressive's automatic payment discount instead. Just set up automatic electronic withdrawals from a checking account. Like the paid-in-full discount, savings vary. You can't combine the automatic payment and paid-in-full discounts.

You can get a Progressive good student discount if you have at least a B average. Student drivers can save an average of 10% as long as they are 16-22 years old and enrolled full-time in high school, college or home schooling.

Young drivers are usually quite expensive to insure since they lack driving experience. However, Progressive offers a good student discount because having good grades shows the insurer that you are responsible off the road, meaning you're more likely to be responsible in the driver's seat as well.

Progressive good student discounts vary by state, but it's always worth the effort of checking if they are available in your location.

Yes, Progressive does have a military discount of 25% off a customer's auto insurance premium, but only in Louisiana. The Progressive military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there. However, there is no official Progressive military discount for drivers in other states.

Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask Progressive to apply a military discount to your policy, call 1 (800) 776-4737.   

Progressive Military Discount Eligibility Requirements

• Are an Active Duty Soldier based in Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas from Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

Drivers who do not live in Louisiana but are military personnel may be eligible for other Progressive discounts. For instance, Progressive offers a good driver discount if you have maintained a clean driving record for several years.

To learn more, check out WalletHub's Progressive review, as well as our picks for the best military car insurance companies.

Progressive's continuous insurance discount is available to customers who have maintained active insurance coverage, with Progressive or another carrier, for at least 6 months without interruption. Progressive offers several levels of continuous insurance discounts, and the exact amount of the discount varies.

Progressive Continuous Insurance Discount Levels

• Silver: 6 months (any company)
• Gold: 1-3 years (any company)
• Platinum I: 3-5 years (any company)
• Platinum II: More than 5 years (any company)
• Diamond: More than 5 years (specifically with Progressive)
• Emerald: More than 10 years (specifically with Progressive)
• Crown: More than 20 years (specifically with Progressive)

The exact amount of Progressive's continuous insurance discount varies for each customer, depending on how long they have maintained insurance without any lapses or cancellation, as well as other factors like where they live and their driving record. As long as a customer keeps continuous insurance coverage, they'll advance to Progressive's next discount level every 12 months.

Why Insurers Offer Loyalty Discounts

Lapses in insurance coverage signal to insurance companies that a driver might pose higher risk. Driving without insurance is also illegal in most states, so most insurance providers raise rates for people who have lapses in coverage on their driving record. Through its continuous insurance discount program, Progressive offers an incentive for drivers who have been responsible and maintained uninterrupted auto insurance coverage.

Progressive's continuous insurance discount is available in most states, except for New York and California.

Other major providers that offer a similar discount program include Travelers, Farmers and American Family Insurance. Travelers offers a discount of up to 15% to customers without a gap in their insurance coverage. Farmers and American Family have similar policies for loyal customers, though their discount amounts vary.

Progressive does not advertise a defensive driving discount on its website, but you may still be able to get one. Progressive may lower your rates by about 5% if you complete an approved defensive driving course and meet certain qualifications. You may need to be a certain age, have a clean driving record, take the course voluntarily (not by court order), or meet other state-specific criteria to be eligible. You'll have to speak to a Progressive representative directly to find out the rules where you live.

Most defensive driving courses can be completed online and cost between $15 and $40. Live classes can cost as much as $100. But the cost could be worth it since you'll get a discount for three years, in most cases. At that time, you should be able to renew the discount by taking the course again.

To get the Progressive sign-online discount, ask to sign your policy documents electronically when you get a quote online or over the phone. Once you choose your coverage, Progressive will email the documents you need to sign electronically. These documents will walk you through the process of signing online.

The Progressive sign-online discount is about 8.5% and can be combined with Progressive's paperless discount for even greater savings. The sign-online discount from Progressive is not available to drivers in California or New York.

To get the Progressive paperless discount, you have to sign your policy documents electronically and register for paperless billing within 45 days. You can enroll for paperless billing online or over the phone by calling 1-800-776-4737.

The discount amount varies, and Progressive doesn't give any information about how much you can expect to save by going paperless. But because this discount must be combined with the sign online discount, you should save 8.5% or more.

Progressive does not offer a good driver discount, unlike most other major insurers. Drivers with clean records will typically be charged a lower rate for coverage, but they will not receive a specific discount amount.

Even though Progressive does not have a good driver discount, you can see if you qualify for other discounts that they offer. For example, Progressive offers a multi-vehicle discount for drivers who insure more than one vehicle on their policy.

To learn more, check out WalletHub\'s guide to Progressive discounts.

You can get a Progressive safe driver discount by signing up for Snapshot, the company telematics program. With Snapshot safe drivers can save an average of $145 on their rate by allowing Progressive to track their habits on the road. Specifically, Snapshot tracks miles driven, acceleration, braking, the time of day that you drive, and distracted driving.

If you don't want to sign up for Snapshot, Progressive offers other ways for you to save on your premium. For example, drivers can get a multi-car discount by insuring more than one vehicle in their household.

To learn more, check out WalletHub's guide to Progressive discounts.

Progressive\'s multi-policy discount is 5% off one of the policies\' premiums, on average. Customers can earn the Progressive multi-policy discount by bundling any combination of two or more insurance policies from Progressive, such as auto, home, renters, boat, motorcycle and RV insurance policies.

For example, if you start with home insurance, you can add auto insurance or any other policy at a later date to qualify for Progressive's multi-policy discount. Just keep in mind that the discount will only appear on one of your policies.

The Progressive multi-policy discount does not require an auto insurance policy. But if you bundle home and auto insurance with Progressive, you could be eligible for a discount that's twice as large.

Multi-Policy vs. Multi-Car Discounts From Progressive:

Progressive\'s multi-policy discount is different from its multi-car discount. The Progressive multi-car discount allows you to save a maximum of 12% on your auto insurance premium when you insure two or more vehicles with Progressive.

If you don\'t have more than one car and don\'t need more than one type of insurance policy, however, Progressive offers plenty of other discounts that could help you reduce the cost of your coverage.