What Are the Progressive Insurance Loyalty Rewards and Discounts?
Last Updated on February 5, 2026
Progressive’s Loyalty Rewards program assigns you a loyalty level based on how long you’ve been continuously insured. When you switch to Progressive, the company may apply up to four years of your prior insurance tenure toward your starting level if you move over without a lapse.
As your level increases, you may unlock benefits like a continuous insurance discount, accident forgiveness, teen driver discounts, priority call routing, and (after 20 years) a lifetime renewal guarantee. Availability and exact eligibility vary by state and policy.
- Loyalty Levels Are Tenure-Based: Progressive tiers generally increase as you maintain continuous insurance over time, unlocking additional perks at set milestones.
- Prior Coverage May Count: Switching without a lapse can help you start at a higher level because prior continuous insurance time may be credited toward your tier.
- Accident Forgiveness Has Rules: Small and large accident forgiveness can protect you from certain rate increases, but eligibility depends on state rules, tenure, and your claims/violation history.
- Stack Savings the Smart Way: Pair loyalty rewards with other discounts (bundling, multi-car, telematics, student/homeowner) and confirm what applies on your declarations page.
Progressive Insurance Loyalty Levels
Progressive uses loyalty levels to reward long-term customers with additional perks over time. These benefits are typically automatic (you don’t “apply” for a tier), but the rewards you see can depend on your state, your policy, and your driving/claims history.
One of the biggest questions is whether time with a prior insurer counts. In many cases, it can. Maintaining continuous coverage can help you qualify for a higher starting level and unlock discounts sooner.
While the program is often described as a “loyalty discount,” it’s best to think of it as a package of perks that can grow over time, similar to other customer loyalty car insurance programs.
| Loyalty Level | Typical Tenure | What You May Unlock | Notes |
|---|---|---|---|
| Immediate | Day 1 | Small accident forgiveness (in most states) | Applies to a first small claim up to a defined threshold (commonly $500), subject to state/policy rules. |
| Silver | 6 months | Continuous insurance discount | Discount typically increases with longer continuous coverage. |
| Gold | 1 year | Teen driver discount | Often tied to having an eligible teen driver on the policy and meeting tenure requirements. |
| Platinum | 3 years | Higher continuous insurance discount | Generally builds on earlier benefits. |
| Diamond | 5 years | Large accident forgiveness | Typically requires additional “clean record” conditions (no accidents/violations for a set period). |
| Emerald | 10 years | Priority call routing | Priority customer service may also be available sooner for bundled customers (varies by policy setup). |
| Crown (Lifetime Crown) | 20 years | Lifetime renewal guarantee | Generally means the policy can renew even if your record changes, but exclusions (like fraud/misrepresentation) still apply. |
How Your Starting Tier Is Determined
Progressive may credit some prior insurance time toward your starting level, as long as there’s no interruption in coverage when you switch. In practice, this means drivers who have maintained consistent coverage may start above the entry level instead of “starting from scratch.”
Even with a strong insurance history, the best way to confirm your current loyalty status is to check your account or policy documents after you begin coverage. Tier names and perks can also differ by state.
Perks of Progressive’s Insurance Loyalty Levels
Progressive’s loyalty program combines discounts and features that can affect both pricing and service. Here’s what the most common perks typically mean in real-world terms.
| Perk | What It Typically Does | Important Eligibility Notes |
|---|---|---|
| Continuous Insurance Discount | Rewards drivers who stay insured without gaps; longer continuous coverage can lead to better pricing. | Insurers view uninterrupted coverage as a sign of lower risk and more stable driving behavior. |
| Small Accident Forgiveness | Helps prevent a rate increase after a first small claim (commonly up to $500 in most states). | Eligibility and thresholds vary; details are best confirmed in the policy and the Progressive accident forgiveness terms. |
| Teen Driver Discount | Can reduce the cost impact of adding an eligible teen driver to the policy. | Teen pricing is often high, so discounts matter—see strategies for cheapest car insurance for teens. |
| Large Accident Forgiveness | Can prevent a rate increase after a claim above the small-claim threshold. | Often requires a longer tenure plus a clean driving/claims record for a set period (rules vary by state). |
| Priority Call Routing | Moves calls ahead in the queue for faster access to customer service. | May be tied to long tenure and/or bundling; exact availability varies by customer profile and state. |
| Lifetime Renewal Guarantee | Helps ensure Progressive continues renewing the policy even if your record changes. | This can reduce uncertainty after negative events that typically increase rates based on your driving history. |
For families, eligibility details matter most when adding a new driver. Underwriting rules for age, licensing status, school status, and household composition can affect how discounts apply when adding your teens or children to your car insurance policy.
Other Progressive Auto Insurance Discounts
Loyalty rewards are only one part of the savings picture. Other discounts available with Progressive may apply based on your household, vehicle, payment preferences, and driving behavior.
| Discount Type | Common Requirement | Why It Can Matter |
|---|---|---|
| Multi-policy discount | Bundle auto with home/renters/condo (or another eligible policy). | Bundling can reduce premiums and may also improve access to certain service perks, depending on the insurer. |
| Multi-car discount | Insure more than one vehicle on the same policy. | Often helps households with multiple drivers/vehicles lower the per-vehicle cost. |
| Snapshot usage-based discount | Enroll in a telematics program that measures driving behavior. | Safe drivers may see better rates; savings depend heavily on driving patterns and state rules. |
| Good student discount | Eligible student meets academic requirements. | Can partially offset the higher rates typically associated with younger drivers. |
| Homeowner discount | Own a home (even if it’s insured elsewhere, depending on the insurer/state). | Some insurers rate homeowners differently, which can translate into lower auto premiums. |
Final Word on Progressive’s Loyalty Program
Progressive’s loyalty levels are designed to reward stable, long-term insurance customers with perks that can expand over time. For many drivers, the biggest value comes from keeping continuous coverage, staying claim- and violation-free, and stacking loyalty rewards with other discounts (like bundling or multi-car).
To confirm which loyalty perks are active on a specific policy, review your declarations page and discount list, then contact Progressive to verify eligibility rules in your state.
