Progressive Insurance in California

Progressive, founded in 1937 and headquartered in Mayfield Village, Ohio, offers auto, home, renters, motorcycle, specialty property, RV, pet, and life insurance. Progressive is one of the largest personal auto insurers in the United States and writes auto, home, renters, motorcycle, boat, RV, and other lines, often through affiliated companies. It is a single carrier that sells its own policies directly and through agents, not a multi carrier comparison platform. Its widely promoted comparison tool primarily surfaces Progressive rates alongside select partners.

In California, drivers are required to carry minimum auto liability coverage of 30/60/15. California has low auto minimums but high average rates. Home insurance is heavily impacted by wildfire risk — many carriers have restricted coverage in fire-prone areas. In 2023, the average California driver spent $1,225 per insured vehicle (NAIC Auto Insurance Database Report, 2023 data), though your actual rate with Progressive may be higher or lower depending on your driving record, vehicle, and coverage level.

Progressive is built for standard drivers, plus non-standard tiers. Comparing several carriers side by side is the surest way to find the best rate in California, whether you need basic liability or full coverage.

California also faces elevated wildfire and earthquake exposure, which affects how carriers price coverage here. When evaluating Progressive in California, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.