Progressive Collision Coverage
Collision coverage helps pay to repair or replace your vehicle after an accident, regardless of who's at fault. It also applies if you hit an object, other than an animal, such as a tree or utility pole.
Collision coverage is optional, but many leasing companies and lenders require it as part of their loan/lease agreement. Learn more about collision coverage and how it works.
Example:
Your car skids on an icy highway and plows into a guardrail, causing $5,000 in damage to your vehicle. If your deductible is $500, we can pay up to $4,500 to repair your car.
What sets Progressive's collision coverage apart?
At Progressive, we offer enhanced protection and greater flexibility with our collision coverage by offering unique features like:
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Pet injury coverage
With auto collision coverage from Progressive, we can cover up to $1,000 of your pet's vet bills if they're injured in a car accident while riding in your vehicle.
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Deductible Savings Bank®
Our Deductible Savings Bank allows you to earn $50 toward your deductible for every claim-and-violation-free policy period.
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Accident forgiveness
A claim totaling $500 or less won't impact your rate in most states. If you stay with Progressive for five years and have no accidents or driving violations, you won't see a rate increase for any claim!
Common questions about Progressive's collision coverage
How long do I have to report a car accident to Progressive?
Generally, it's best to notify us of an accident as soon as possible if you plan on filing a claim. Plus, the sooner you file a claim, the sooner you can get your vehicle repaired and back on the road.
Learn more about what to do after an accident.
Do I need collision coverage?
Collision coverage isn't required by law, but most loans and lease agreements require it. If you own your car outright, you can choose whether or not to carry it.
How much does it cost to add collision coverage with Progressive?
Adding collision coverage to a Progressive policy is affordable — around $45 per month on average — so adding it won't break the bank.*
What are Progressive's collision coverage limits?
The limit of your collision coverage is based on the insured vehicle's actual cash value, i.e., how much it's worth with depreciation. So if your vehicle is totaled or stolen and your claim is covered, you'll receive a claim payout equal to its actual cash value, minus your deductible.
How do I find a Progressive collision center?
Progressive doesn't own or operate its own collision centers or repair shops. Instead, we have a network of repair shops we make available to customers with approved damage claims. We guarantee repairs made by network repair shops, but you can take your vehicle to any licensed mechanic you prefer. The adjuster working on your claim can help find a network repair shop near you.
See how our other auto coverages deliver peace of mind
We offer a variety of car insurance coverages so you can create a policy that fits your needs.
