What Does Progressive Full Coverage Auto Insurance Cover?
Progressive’s full coverage auto insurance is a good choice for most drivers. Let’s find out if it’s right for you.
Written by Talullah Blanco
Reviewed by Shannon Martin
With Progressive’s full coverage auto insurance, you can add optional comprehensive and collision coverages to your basic state-required liability policy. If you want your car insurance policy to protect your vehicle, Progressive has coverage options fit for almost any budget.
There's a lot to consider when shopping for car insurance coverage, including whether you should stick with basic liability coverage or opt for full coverage. Going with the minimum
car insurance
requirements in your state will be the cheapest option but can leave you underinsured and unprotected in the event of an accident. That’s why Progressive offers optional coverages such as collision and comprehensive you can add to your state-required liability policy for better protection. Let’s find out what’s covered under Progressive’s “full coverage” policy and if it is the right choice for you.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat does Progressive full coverage insurance cover?
If you heard the term “full coverage auto insurance” thrown around by your insurance provider or finance lender, let’s clarify: “full coverage” isn’t just one blanket coverage that insurance providers offer. So then, what is
full coverage car insurance
?Full coverage is a combination of coverages that protects your vehicle in the event of an unforeseen accident. When your insurance provider offers you a full coverage policy or your lender requires you to get full coverage to qualify for a loan, they're generally referring to a policy that includes at least these three types of coverages:
- Liability insurance: If you’re at fault in an accident, liability coverage will pay for the other driver’s medical expenses and vehicle repairs as well as lawsuit costs if someone sues you—this coverage is required in nearly every state.
- Collision insurance:Collision coverage pays to repair or replace your vehicle (minus your deductible) if it’s damaged in a collision with another vehicle or stationary object, regardless of fault.
- Comprehensive insurance:Comprehensive coverage pays to repair or replace your vehicle if it’s damaged by an unforeseen event other than a collision (e.g. theft, vandalism, glass breaking, fire, falling objects, or weather-related issues).
In the insurance industry, there is no official combination of coverages that make up a “full coverage” policy—being fully covered depends on what coverage each driver needs for their vehicle. However, having at least liability coverage that includes
bodily injury liability coverage
and property damage liability coverage
, collision coverage, and comprehensive coverage would protect your vehicle and wallet in most circumstances–whether you are at fault or not.Does full coverage really cover everything?
With a name like that, you may be surprised by this answer: No, full coverage doesn’t actually cover everything and there are other coverages you may want to consider adding to your policy.
The term “full coverage” is used to differentiate from minimum liability coverage, which doesn’t allow you to make claims for your own vehicle, while full coverage does. Lenders usually require borrowers to purchase a full coverage policy on a lease or financed vehicle to protect their investment. If your car gets damaged, they want to make sure money is available for repairs.
If you’re looking for a truly all-encompassing policy, Progressive offers additional coverage options for purchase that, when added to your policy, help fill in potential gaps in coverage. We’ll note those down in the table below.
Other types of Progressive auto insurance coverage
Type of coverage | Description |
|---|---|
Uninsured/underinsured motorist insurance (UM/UIM/PD coverage) | If you’re in an accident with someone with no liability insurance or not enough coverage to pay for your costs, UM/UIM/UMPD coverage from Progressive pays for injuries or damage to your vehicle. (UMPD is not available in every state) |
Progressive’s Medical payments (MedPay) coverage can cover medical and funeral expenses if you, your passengers, or a family member are injured in an accident, regardless of fault. | |
In some states, PIP coverage is offered, and sometimes required, instead of MedPay and helps cover medical expenses from an accident for you and your passengers. | |
Progressive’s roadside assistance covers towing within 15 miles, lockout service, flat tire changes, and fuel delivery in case you run out of gas. | |
After a covered accident, Progressive’s rental car reimbursement will pay for a vehicle rental up to your policy’s limit (usually $40-$60 per day for up to 30 days) while your vehicle is at the shop. This add-on is only for a covered claim, not for when your vehicle is in the shop for routine maintenance. | |
Progressive policyholders who drive for a rideshare service such as Uber or Lyft must carry rideshare coverage which will fill in the gaps the rideshare company doesn’t cover and protect you while on the job. | |
Custom parts and equipment value | If you modify your vehicle, this add-on will pay to repair or replace after-market accessories you’ve added to your vehicle. |
Also known as gap insurance, Progressive’s loan/lead payoff will cover the difference between what you owe on your financed or lease vehicle in the event of an accident. |
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Besides the car insurance coverages listed above, Progressive also offers insurance products including
home insurance
and renters insurance
, commercial insurance, and personal insurance such as umbrella insurance, health insurance, life insurance, travel insurance, and pet insurance, just to name a few.Is full coverage car insurance from Progressive worth it?
Purchasing full coverage auto insurance from Progressive is worth it, especially if you qualify for car insurance discounts such as good driving record discounts or continuous insurance discounts. That said, it’s always a good idea to compare car insurance quotes from other providers before you purchase a policy for the best price.
While no state requires full coverage insurance by law, most
lenders require full coverage
to lease or finance a vehicle. But even if you own your vehicle, the cost of full coverage is usually worth the protection it provides in the event of an at-fault accident resulting in total loss
. Comprehensive and collision coverage is a good choice if you can’t afford to pay for vehicle repairs or a new car out of pocket.Benefits of full coverage Progressive car insurance
When you opt for full coverage car insurance from Progressive, you’ll:
- Fulfill lender or leasing company requirements
- Be protected from severe weather events and theft
- Have coverage in an accident even if you’re the at-fault driver
Full coverage insurance is usually worth the cost if you live somewhere with frequent severe weather, auto thefts, vandalism, and accidents or own a high-value vehicle.
Drawbacks to full coverage Progressive car insurance
While there are many benefits to a full coverage policy, they may not outweigh these disadvantages:
- In addition to the premium associated with comprehensive and collision, you have to pay adeductibleat the time of the loss to have your car repaired
- Filing a claim will increase your premium, so file wisely
- Full coverage is more expensive than liability only insurance
If you're worried about the cost of full coverage insurance, Progress offers several discounts to their customers that can make full coverage more affordable. You also have the option of choosing a higher or lower deductible which gives you more control over the costs. For example, if you choose a lower deductible, $50 or $100, the premium will be much higher than selecting a deductible of around $500 or $1000.
MORE: How to get car insurance discounts
Does Progressive have the best full coverage auto insurance?
In reality, most full coverage policies offered by top insurance companies are similar and Progressive is no exception. The best full coverage insurance provider for you will depend on car insurance rates.
That’s because each insurance provider has their own way of calculating rates for policyholders weighing factors such as age, gender, credit score, marital status, and driving record. With a
clean driving record
and good credit, you may get the best rates for full coverage with Progressive’s algorithm. On the other hand, based on your driving history or credit rating, you could get a better rate for the same coverage from a different company, such as GEICO
, State Farm
, or Liberty Mutual
. Another factor to consider is customer satisfaction, and in that category, Progressive is considered sufficient according to expert ratings from the Better Business Bureau (BBB) and WalletHub. Not to mention it’s one of the most affordable major car insurance companies in the United States with the best available coverage options.
Shopping around and comparing quotes from at least three to five quotes from different companies is the best way to decide if a Progressive full coverage policy is the best option for you. You can either call insurance agents for quotes or use a broker app to compare real-time insurance rates from several companies at once.
The bottom line
Progressive provides some of the lowest rates on full coverage auto insurance, especially if you qualify for safe driver discounts like
Snapshot
or the good student discounts. Full coverage is worth the additional cost for most drivers because it extends coverage to your vehicle, allowing you to submit claims for damage to your vehicle regardless of fault."WOW.Jerryhas been so easy to use. I called a representative when I wanted some clarification, and they walked me through the entire process of finding a new rate for full coverage on my luxury vehicle.” —Beth G.
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At what point is full coverage not worth it?
Full coverage is not worth it if you drive a high-mileage vehicle worth less than the combined full coverage premium and deductible.
What is the difference between full coverage and liability coverage?
When your at-fault liability coverage will pay for the medical expenses and vehicle repairs for other drivers and is the minimum car insurance included in a policy and is required by most states. Full coverage includes collision and comprehensive coverage, which covers your vehicle in the event of a crash or unforeseen accident, on top of liability.
What is a deductible?
A deductible is an amount you must pay on a claim before the collision or comprehensive coverage starts. Usually, deductibles apply to collision, comprehensive, and uninsured/underinsured motorist property damage, but in some states it can appy to PIP coverage as well.
