What Are the Progressive Insurance Loyalty Rewards and Discounts?

Last Updated on August 21, 2022

Progressive auto insurance customers may qualify for loyalty discounts.

The longer you stay a Progressive policyholder, the more rewards you can earn. Progressive offers several loyalty levels with growing rewards, including Gold, Platinum, Diamond, and more.

How do Progressive’s insurance loyalty levels work? Keep reading to discover everything you need to know about Progressive’s insurance loyalty levels and their rewards.

Table of Contents:

Progressive Insurance Loyalty Levels

Progressive has a loyalty system that rewards policyholders for sticking with the insurer. The longer you stay with Progressive, the higher your loyalty tier will be.

In fact, you could qualify for loyalty rewards even if you have not been insured with Progressive. The first four tiers of Progressive’s loyalty tier system (Silver, Gold, Platinum, and Diamond) apply to drivers who have been insured by Progressive or any other insurer for 6 months to 5 years. You qualify for these discounts even if you’re new to Progressive – as long as you’ve maintained continuous coverage with another insurer.

As you progress through the loyalty tier system, you earn new rewards. Progressive may provide loyalty discounts, for example, and additional perks at each tier.

After one full year of being with Progressive or any insurer, for example, you are a Gold tier member. As a Gold tier member, you can access small accident forgiveness and teen driver discounts. You also get access to special discounts.

Here are all of Progressive’s insurance loyalty levels and how they work:

1. Silver (6 Months)

Silver is the basic level of Progressive’s insurance loyalty system. You earn this loyalty level if you have been insured with Progressive or any insurer for six months. If you’re new to insurance, then you should qualify for Progressive’s Silver tier loyalty level.

Progressive’s Silver tier loyalty level comes with the following perks:

  • Continuous insurance discounts
  • Small accident forgiveness

2. Gold (1Year)

If you have been insured by Progressive or any other insurer for one year, then you qualify for Progressive’s Gold loyalty tier level.

As a Gold tier member, you can access the following:

3. Platinum (3 Years)

Progressive’s Platinum membership tier is available to individuals who have been insured by Progressive or any other insurer for three years.

The benefits of Platinum are identical to the benefits of Gold, although you receive a steeper continuous insurance discount at this level. Benefits of Progressive’s Platinum loyalty tier level include:

  • Continuous insurance discounts
  • Small accident forgiveness
  • Teen driver discounts

4. Diamond / Platinum II (5 Years)

The Diamond tier, also known as the Platinum II tier, is for drivers who have been insured by Progressive or any other insurer for 5 years. At this level, you get steeper insurance discounts from Progressive. You also get the benefit of large accident forgiveness, where Progressive will forgive a larger accident on your record, which means you won’t pay higher rates after a single bad accident.

Perks of Progressive’s Diamond / Platinum II loyalty tier include:

  • Continuous insurance discounts
  • Small accident forgiveness
  • Teen driver discounts
  • Large accident forgiveness

5. Emerald (10 Years)

The Emerald loyalty tier is for drivers who have been insured by Progressive for 10 years. This loyalty tier level is exclusively available to drivers who have been insured by Progressive – not drivers who have been insured by other providers.

At the Emerald tier, you get access to all of the following benefits:

  • Continuous insurance discounts
  • Small accident forgiveness
  • Teen driver discounts
  • Large accident forgiveness
  • VIP customer service access

The VIP customer service access means you get to skip the line when you call Progressive. Your calls are considered high priority, and you rarely need to wait on hold.

6. Lifetime Crown (20 Years)

Few Progressive policyholders reach the highest loyalty tier level, which is called Lifetime Crown. Lifetime Crown comes with the highest level of Progressive benefits, including steeper discounts. You also get lifetime insurance renewals, which means Progressive guarantees your rates can be renewed regardless of changes to your driving history.

Perks of reaching the Lifetime Crown level with Progressive include:

  • Continuous insurance discounts
  • Small accident forgiveness
  • Teen driver discounts
  • Large accident forgiveness
  • VIP customer service access
  • Lifetime insurance renewals

Perks of Progressive’s Insurance Loyalty Levels

Progressive’s insurance loyalty level system comes with several perks. Below, we’ll explain those perks and how they work with your car insurance policy.

Continuous Insurance Discounts: The longer you maintain continuous insurance coverage, the more you’ll save with Progressive. Maintaining continuous insurance coverage shows you’re a competent and low-risk driver. It shows you have not let insurance lapse, and that you’ve stayed protected at all times on the road. The longer you maintain continuous coverage with Progressive or other insurers, the more you can save.

Small Accident Forgiveness: Progressive defines a small accident as one with damages totaling less than $500 (although this specific amount varies from state to state). Progressive’s forgiveness policy prevents your rates from rising after you make a claim for an amount less than $500. If you scratch the side of your car and make a claim under your Progressive policy, for example, then this claim won’t increase your rates.

Teen Driver Discounts: If you have a teenage driver on your policy, then they qualify for additional discounts at higher Progressive loyalty tiers. Car insurance for teen drivers is expensive, and discounts can help you save hundreds per year on teenage driver car insurance.

Large Accident Forgiveness: As you reach Progressive’s Diamond tiers and above (for maintaining insurance for five or more years), you qualify for large accident forgiveness. Even if you’re at fault, you will not pay higher insurance premiums for claims exceeding $500. In other words, you can make a single large claim on your Progressive auto insurance policy without paying higher rates.

VIP Customer Service: VIP customer service is available on Progressive’s two highest tiers, including Emerald (10 years) and Lifetime Crown (20 years). With this perk, you get VIP priority any time you call Progressive, bumping to the front of the line and avoiding excessive wait times.

Lifetime Insurance Renewals: After 20 years of maintaining continuous coverage with Progressive, you qualify for lifetime insurance renewals. That means Progressive will continue to renew your policy regardless of your driving history. Even if you cause multiple at-fault accidents within a one-year span, Progressive will keep you as a customer.

Other Progressive Auto Insurance Discounts

The longer you stay at Progressive, the more you can save. Other discounts available with Progressive include:

Contact Progressive to ask about discounts. Or, compare quotes online to ensure you’re paying the lowest possible rates.

Final Word on Progressive’s Loyalty Program

Progressive, like most insurers, uses a loyalty tier system to reward customers. The longer you stay with Progressive, the more money you can save and the more perks you can access.

As long as you have maintained continuous insurance coverage with Progressive or any insurer for 6 months, you qualify for the lowest tier of Progressive’s auto insurance system.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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