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Easy access to your insurance, whenever and wherever you need it.

Here are some things you can do with the Progressive App*: 
• View coverages, discounts, ID cards, documents, and policy details.
• R

Progressive Leasing’s mobile app simplifies your shopping experience by providing the convenience of applying at home or on the go. We understand that less-than-perfect credit shouldn’t keep you from 

The Progressive Art Collection app
In 1974, Peter B. Lewis had a vision to make art more accessible to his employees. Now, it’s accessible to anyone with a smart phone. The Progressive Art Collection 

We revere honesty, adhere to high ethical standards, and provide timely, accurate, and complete financial reporting in all our operations.

Integrity

We respect all people, value the differences among them, and deal with them in the way we want to be dealt with, fostering inclusivity and collaboration.

Golden Rule

We strive to communicate clearly Progressive's ambitious objectives and rigorously evaluate performance against them to drive continuous improvement.

Objectives

We strive constantly to improve in order to meet and exceed the highest expectations of customers, agents, shareholders, and our people.

Excellence

Progressive Corporation is the second-largest personal auto insurance company in the United States, offering innovative insurance products including auto, home, motorcycle, boat, and commercial coverage through both direct and agent channels with industry-leading tools like Snapshot and Name Your Price.

Apple reverses course on death of Progressive Web Apps in EU

Learn Vim Progressively

Progressive JSON

I built a progressive web app and published it in three app stores

WhatsApp will progressively kill features until users accept new privacy policy

Tricia Griffith

President & Chief Executive Officer

David

Chief Legal Officer

Karen

Commercial Lines President

Steve

Chief Information Officer

Jonathan Bauer

Investment Portfolio Manager

Progressive Corporation (NYSE: PGR) generated $60+ billion revenue in 2024 as America's #3 auto insurer (behind State Farm, ahead of Allstate) serving 30 million+ policies (auto, home, commercial) through independent agents (70% sales) and direct channels (30% website/app/phone). Founded 1937 Cleveland by Joseph Lewis and Jack Green, Progressive pioneered industry innovations: drive-in claims service 1950s (adjusters meeting customers at accident scenes versus office appointments), installment payment plans 1960s (monthly premiums versus lump-sum annual, increasing affordability), 1-800-AUTO-PRO toll-free quoting 1980s, online quoting 1995 (first auto insurer website sales), and Snapshot telematics 2008 (plug-in device later mobile app monitoring driving behavior offering 30%+ discounts safe drivers, usage-based insurance UBI revolutionizing risk assessment). Iconic Flo character (2008 launch, Stephanie Courtney actress, perky white-aproned spokesperson became advertising phenomenon, 100+ commercials, cultural recognition rivaling GEICO Gecko). Strategic advantages include telematics data moat (20+ million Snapshot enrollments collecting billions miles driving data, AI/machine learning pricing algorithms 15-20% more accurate than traditional credit/age/location models, adverse selection reducing high-risk drivers, attracting safe drivers), Name Your Price tool (2009 launch, customers set budget, Progressive recommends coverage matching price point, transparency reducing friction), bundling penetration (auto + home policies 25% customer base, cross-sell increasing retention, margins), and omnichannel distribution (independent agents 30,000+ locations selling Progressive alongside competitors, direct-to-consumer website/app/call centers, diversified versus GEICO direct-only or State Farm agent-exclusive). 2020s market share growth: 12% 2020 → 14% 2024 (gaining while GEICO/Allstate struggled profitability, Progressive's data-driven underwriting maintaining combined ratios 92-96% profitable versus industry 100%+ unprofitable). CEO Tricia Griffith (2016-present, first female CEO major auto insurer, 35-year Progressive veteran starting claims adjuster, emphasizing technology/analytics, diversity). However, challenges emerged: inflation pressures (2023-2024 repair costs +25%, Progressive raised rates 10-15% below GEICO's 20%+ maintaining competitiveness but margin compression), autonomous vehicle disruption (liability shifting automakers long-term, Progressive investing AV research partnerships Waymo/Cruise preparing market transformation), and telematics adoption plateau (privacy concerns limiting Snapshot growth, only 20% policies enrolled, competitors copying Allstate Drivewise, State Farm Drive Safe & Save diluting advantage). 2024 strategic priorities: home insurance expansion (Robinhood acquisition 2024 $545M adding homeowners policies, bundling auto+home 40% penetration target versus 25% current), commercial auto growth (small business trucking, delivery vehicles $15B revenue segment 25% total, Amazon delivery partner program), AI claims automation (photo damage assessment, fraud detection reducing adjusters 15%, virtual claims settling 48 hours versus 7 days traditional), and embedded insurance (partnerships auto dealers, rideshare platforms Uber/Lyft offering Progressive policies at purchase/signup moments). Competitive dynamics: State Farm #1 (17% market share, agent loyalty, brand trust, but 2023 underwriting losses $13B exiting California/Florida), GEICO #2 (14% share, cost advantage direct model, but $6B losses 2022-2023 rate hikes), Allstate #4 (10% share, Mayhem ads, agent network, profitability struggles), USAA (military-exclusive, highest customer satisfaction, 6% share). Market trends favoring Progressive: electric vehicles (repair complexity favoring data-driven pricing, Progressive EV policies growing 50% annually), rideshare/gig economy (Uber/Lyft driver policies, Progressive commercial segment), and millennials/Gen Z (digital-first preferences, mobile app adoption, Snapshot appeals tech-savvy demographics). Progressive employees 50,000+, headquarters Mayfield Village, Ohio (Cleveland suburb). 2024 combined ratio 94% (profitable, $6 per $100 premium underwriting profit, industry average 102% loss), net income $6+ billion, market cap $90B.

Progressive's Telematics Leadership and Bundling Strategy Drive Market Share Growth to 14% as Rivals Struggle with Inflation-Driven Underwriting Losses

Progressive reaches $60B+ revenue as America's third-largest auto insurer pioneering usage-based insurance through Snapshot telematics, Name Your Price tool, and Flo mascot advertising under CEO Tricia Griffith's leadership

Progressive's flagship product offering comprehensive auto coverage with innovative features like Snapshot usage-based insurance and Name Your Price Tool, serving over 21 million personal auto policies with 21% year-over-year growth in policies in force.

Personal Auto Insurance

A telematics program that personalizes insurance rates based on actual driving habits tracked via mobile app or plug-in device. Safe drivers save an average of $231-$322 per year, with most customers receiving discounts.

Snapshot Usage-Based Insurance

Industry-first innovation allowing customers to input their desired budget and receive customized coverage options that fit their price point, democratizing insurance shopping and increasing conversion rates.

Name Your Price Tool

Comprehensive commercial vehicle coverage for businesses of all sizes, now a $10+ billion business segment serving trucking, transportation, and fleet operators with specialized underwriting and risk management.

Commercial Auto Insurance

Bundled homeowners insurance offering that allows customers to compare quotes from Progressive and partner carriers, facilitating the growing trend toward bundled auto and home policies.

HomeQuote Explorer

Specialized insurance products for recreational vehicles, making Progressive one of the leading sellers of motorcycle and boat insurance in the United States with tailored coverage options.

Motorcycle, Boat, and RV Insurance

Digital platform for small businesses to compare and purchase commercial insurance products, recently expanded through partnership with Coterie Insurance for Businessowners Policies and General Liability coverage.

BusinessQuote Explorer

Progressive announced full-year 2024 revenue of $75.34 billion, up 21.4% from 2023, with net income exceeding $5 billion. The company achieved an industry-leading 68.9% loss ratio and grew personal auto policies in force by 21%, solidifying its position as the #2 U.S. auto insurer.

Progressive Reports Record 2024 Results with $75.34B Revenue and 21.4% Growth

Progressive announced plans to hire over 12,000 employees in 2025 to support continued company growth, offering flexible remote, hybrid, and in-office roles across claims, customer care, IT, and corporate functions.

Progressive to Hire More Than 12,000 People in 2025

Progressive announced a new agency relationship with Coterie Insurance, making Coterie's Businessowners Policies and General Liability products available through Progressive's BusinessQuote Explorer platform for small businesses.

Progressive Partners with Coterie Insurance for Small Business Expansion

Progressive climbed to #12 on Fortune's 100 Best Companies to Work For list (up from #46 in 2024), earning additional recognition as a Gallup Exceptional Workplace, Military Friendly Employer, and Glassdoor Best Place to Work.

Progressive Ranks #12 on Fortune's 100 Best Companies to Work For 2025

S&P Global highlighted Progressive's 2024 as a banner year, with the insurer posting a 68.9% loss ratio that significantly outperformed GEICO (71.9%), Allstate (72.9%), and State Farm (83%), while growing premiums over 24% and increasing customer retention.

Progressive's 2024 Performance Described as Banner Year by Multiple Measures

In an attempt to be more progressive, they removed what was actually progressive.

"This was surprisingly progressive for it's time"

[Maddening trope] More progressive casting happens at the same time as noticeable drop in quality, seemingly so fans can brush off criticism as bigotry.

Progressive pastor speaks the truth. This is REAL Christianity.

A Letter to Progressive Friends

My opinion about what is going on at Progressive internally

Genuine question, why is Reddit so liberal/progressive?

Why not to use Progressive?

who uses progressive as their insurance company?

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PROGRESSIVE CORP/OH/

Joseph M. Lewis and Jack Green founded Progressive Mutual Insurance Company in Cleveland, Ohio with $10,000 in capital, pioneering coverage for high-risk drivers.

Company Founded

The company formalized its niche strategy by creating Progressive Casualty to specifically write policies for drivers who had trouble finding coverage elsewhere.

Progressive Casualty Formed

Peter B. Lewis, son of founder Joseph Lewis, and his mother borrowed $2.5 million and completed a leveraged buyout of Progressive, beginning an era of transformative growth.

Peter Lewis Leveraged Buyout

Progressive conducted its IPO and became a publicly-traded company, providing capital for expansion. The same year, Progressive expanded into commercial auto insurance.

Initial Public Offering

Progressive's written premiums surpassed $1 billion, and the company began trading on the New York Stock Exchange under the ticker PGR, signaling its arrival as a major industry player.

NYSE Listing & $1B Milestone

Progressive became the first auto insurance company to allow customers to purchase policies over the phone, pioneering the direct-to-consumer sales model.

First to Sell Insurance by Phone

Progressive launched auto-insurance.com (later progressive.com), becoming the first auto insurance group with a website. Also introduced Immediate Response Vehicles (IRVs) to respond to accident scenes.

Website Launch & IRV Program

Progressive became the first insurer to give consumers the ability to buy an auto insurance policy in real time online, revolutionizing the insurance purchase experience.

First Real-Time Online Policy Sales

On December 8, 2010, Progressive launched its highly successful advertising campaign featuring Flo, who became one of the most recognizable brand mascots in American advertising.

Launch of 'Flo' Campaign

Tricia Griffith was appointed President and CEO, becoming the first female to hold this position in Progressive's history and continuing the company's strong growth trajectory.

Tricia Griffith Named CEO

Progressive established its Business Innovation Garage (BIG), an internal think tank designed to foster creativity and innovation among employees, accelerating product development.

Business Innovation Garage (BIG) Established

In September 2022, Progressive announced major advancements in artificial intelligence for claims processing, further enhancing its operational efficiency and customer experience.

AI Claims Processing Launch

Progressive achieved record full-year revenue of $75.34 billion (up 21.4% YoY) with industry-leading 68.9% loss ratio, solidifying position as #2 personal auto insurer with 16.7% market share.

Record $75B Revenue Milestone

Welcome to the Chick-fil-A® App. Find a restaurant near you and order ahead. Chick-fil-A One® Members can receive points with qualifying purchases, redeem available rewards of your choice and reach ne

S. Truett Cathy

Edge Computing at Chick-fil-A

It costs $10k to ‘own’ a Chick-fil-A franchise

‘Eat More Kale’ Company Is Losing Against Chick-Fil-A in Trademark Battle

How the Chick-fil-A Cauliflower Sandwich was created

The Rise of Chick-Fil-A

Chick-fil-A generated $21+ billion revenue in 2023 operating 3,000+ locations as America's 3rd largest fast-food chain (behind McDonald's $47B and Starbucks $33B) despite closing all restaurants on Sundays—sacrificing estimated $1.5B+ annual revenue to honor founder S. Truett Cathy's Southern Baptist faith requiring Sunday as day of worship/rest for employees. Founded 1967 in Atlanta by Cathy (1921-2014), inventor of boneless chicken breast sandwich (pressure-cooked in peanut oil mimicking taste/texture of fried chicken), Chick-fil-A differentiated through limited menu (chicken-focused, no burgers), exceptional service ('my pleasure' instead of 'you're welcome,' cult employee training), and unique franchise model (operators pay $10K franchise fee, lowest in industry versus McDonald's $45K entry fee + $1-2M startup costs, but company owns real estate/equipment and takes 50% gross sales versus 10-15% royalties elsewhere—selective vetting choosing character over capital, 1 in 400 applicants accepted). Strategic advantages include highest per-store revenue ($8M+ average unit volume versus $3M McDonald's, $2M Subway), customer loyalty (90+ Net Promoter Score, highest fast food), operational efficiency (double drive-thru lanes, employee hospitality training, limited menu enabling speed), and values-driven brand (family-friendly positioning, scholarships for employees, disaster relief donations). However, controversies erupt repeatedly: 2012 CEO Dan Cathy (Truett's son) opposed same-sex marriage sparking boycotts and 'Chick-fil-A Appreciation Day' counter-protests; WinShape Foundation (Cathy family charity) donations to anti-LGBTQ+ organizations drew criticism; 2019 pledge to stop donations to Salvation Army/Fellowship of Christian Athletes seen as betrayal by conservatives but insufficient by progressives. Privately held by Cathy family (Dan Cathy CEO 2013-2021, son Andrew Cathy CEO 2021-present), company avoided public market scrutiny enabling values-first decisions.

Chick-fil-A's Sunday Closure and Christian Values Drive Loyalty Despite Social Controversies

Chick-fil-A reaches $21B revenue as America's 3rd largest fast-food chain operating closed Sundays, franchising via selective operator model, and navigating LGBTQ+ controversies

Plastic in Chick Fil A Salad

Old man attempts to fight a recording delivery person at Chick-fil-a

He licked chick fil a sauce will he be okay

A Chick fil A employee using a mechanical lift to throw away a single trash bag just sparked a massive culture war

Asked for no pickles at Chick-Fil-A

Chick-Fil-A quality has really gone downhill. Starting to question if it's worth it anymore.

What is so great about Chick-fil-A???

Is Chick-fil-A trying to keep people away?

Chic-fil-a being changed to Chick-fil-a with a K added. I have proof.

How bad is it to work at Chick-Fil-A?

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CALAMOS CONVERTIBLE OPPORTUNITIES & INCOME FUND

Truett and Ben Cathy open 24-hour diner. Hapeville, GA. $10,600 savings. Near Ford plant.

Truett creates boneless breast sandwich. Pressure-cooked in peanut oil. Pickles, butter bun. Game-changer.

Greenbriar Mall, Atlanta. Food court. Sunday closure policy day one. Baptist faith honoring God.

Food courts nationwide. Captive traffic, lower real estate costs. Operator franchise model (character over capital).

Cathy family charity. Youth camps, foster care, scholarships. Christian values philanthropy.

Beyond malls. Drive-thru locations. Suburban expansion. Higher volumes than food courts.

Truett's son leads operations. National growth accelerates. Sunday closure maintained.

CEO Dan Cathy opposes gay marriage. Boycotts and 'Appreciation Day' counter-protests. Polarizing.

Second generation leadership. $5B revenue. Privately held by family. Values-driven culture.

Stops Salvation Army/FCA donations. Conservative backlash, progressive skepticism. No one satisfied.

3rd largest U.S. fast food. $8M+ per store (highest). Andrew Cathy CEO 2021. 'My pleasure' culture. LGBTQ+ tensions persist.

Progressive vs Chick-fil-A

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