Yes, Progressive sells personal injury protection (PIP), though whether you must carry it, can add it or can’t get it at all depends on the state you live in. Progressive says PIP is “required in certain states and is offered as an optional coverage in a handful of other states.” If your state doesn’t offer PIP, Progressive’s medical payments coverage may be an option instead.
Progressive doesn’t publish a list of the states where it sells PIP, or PIP prices, so a quote for your address shows the limits, deductibles and cost you’d actually get. For its other coverages, see RateFrog’s Progressive car insurance guides.
Key Takeaways
- Progressive’s PIP can pay medical bills, lost wages, household services, rehab costs and a death benefit, but your state’s PIP law largely decides which of those you get, and how much.
- Florida, New York and Michigan require PIP on every auto policy, Progressive included, though Michigan lets drivers pick lower medical levels and lets some opt out of PIP medical. In Texas, PIP comes with every policy unless you reject it in writing.
- Progressive’s MedPay is narrower. Progressive says it “generally only covers medical bills and funeral expenses,” while PIP can also replace lost income.
- Progressive doesn’t publish PIP prices. Your cost depends on your state’s required amount, the limit you choose and, where allowed, your deductible.
What Progressive’s PIP Covers
Progressive’s guide to personal injury protection says that, depending on your state, PIP may cover:
- Medical bills for you and others covered on your policy, including when you’re hit by a car while walking or riding a bike
- Lost wages if you or your passengers are hurt and can’t work
- Household services such as childcare, house cleaning or yard work
- Disability and rehab costs
- A death benefit paid to your family after a fatal crash
PIP pays regardless of who caused the accident. It doesn’t pay for damage to your car or to someone else’s property. Collision, comprehensive and property damage liability handle those.
Where Progressive Offers PIP
Progressive says PIP is “mandatory in some states and optional or not offered at all in other states.” Its page on no-fault states lists 12: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah. Progressive calls Kentucky, New Jersey and Pennsylvania choice no-fault states, where drivers can opt out of no-fault and keep a broader right to sue. That choice is about lawsuits, not necessarily about skipping PIP. In New Jersey, for example, the Department of Banking and Insurance says the lawsuit option you pick doesn’t affect your PIP medical benefits.
Some at-fault states also require or offer PIP. Progressive’s PIP limits guide, citing Experian, says 15 states mandate it. Experian’s list adds Delaware, Maryland and Oregon to the 12 no-fault states. Progressive names Oregon as one that requires PIP and Texas as one where it’s optional, meaning you can reject it in writing. RateFrog’s general guide to PIP explains how no-fault rules limit lawsuits.
State law sets the floor no matter which company you buy from:
| State | PIP rule |
|---|---|
| Florida | At least $10,000 in PIP, plus $10,000 in property damage liability |
| New York | $50,000 in PIP (no-fault) |
| Michigan | Choose unlimited, $500,000 or $250,000 in PIP medical, or, if you qualify, $250,000 with exclusions, $50,000 or an opt-out. Unlimited is the default if you don’t choose. |
| Texas | Every policy includes PIP unless you reject it in writing |
Sources: Florida HSMV, New York DFS, Michigan DIFS and the Texas Department of Insurance.
The details behind those numbers matter. Under Florida Statute 627.736, PIP pays 80% of reasonable medical expenses and 60% of lost gross income, up to the $10,000 limit, plus a $5,000 death benefit. Medical benefits are capped at $2,500 if a treating provider determines you didn’t have an emergency medical condition. More is in RateFrog’s Florida insurance requirements guide.
Progressive PIP vs. Medical Payments Coverage
Progressive sells medical payments coverage (MedPay) as “optional coverage in most states.” Both pay for you and your passengers regardless of fault, but they differ:
| PIP | MedPay | |
|---|---|---|
| Medical bills | Yes | Yes |
| Funeral or death benefit | Death benefit in some states | Funeral expenses |
| Lost wages and household services | Often, depending on the state | Generally no |
| Limits | Set by state law and your choices | Progressive says limits “typically range from $1,000 to $10,000,” depending on the state and insurer |
Where PIP isn’t required or offered, Progressive says you may be able to add MedPay instead. With solid health and disability coverage, MedPay’s narrower scope may be enough. If missed paychecks would hurt, PIP’s income benefit is the main reason to pick it.
How Progressive PIP Limits and Deductibles Work
Progressive says you can “typically customize your PIP coverage limits,” with a per person or total limit for medical bills and separate limits for lost income, household services and other expenses. Choices vary by state.
Deductibles also depend on the state. Progressive notes that some states that require PIP don’t allow deductibles. Florida goes the other way: Florida Statute 627.739 requires insurers to offer PIP deductibles of $250, $500 and $1,000.
Progressive’s own PIP deductible example: if you have $5,000 in lost wages and a $1,000 PIP deductible, the insurer may pay up to $4,000. Progressive says a lower deductible raises your premium, and a higher one lowers it.
How Much Does Progressive PIP Cost?
Progressive doesn’t publish PIP prices or a PIP-only average, and RateFrog found no state insurance department figure for Progressive’s PIP. Your cost depends on your state, your limit and deductible, and the usual rating factors.
Searches for Progressive “PIP liability” cost often mix up two coverages. Progressive explains that bodily injury liability pays “the other driver’s medical bills” when you cause a crash, while PIP pays for you and your passengers. In a no-fault state, a minimum policy usually includes PIP along with the required liability coverage.
To judge the price, get a Progressive quote at the PIP limit and deductible you’d actually choose, then compare quotes from other insurers at the same settings. Quotes are estimates until a policy is issued.
Questions to Ask Before You Pick a PIP Limit
- Does your health plan cover auto accident injuries, and how high is its deductible?
- Would you lose income if you couldn’t work for several months?
- Who lives in your household, and do they have their own auto or health coverage? This matters for Michigan’s PIP medical options.
- If your state allows a PIP deductible, could you pay it after an accident?
Frequently Asked Questions
Does Progressive PIP Pay Before My Health Insurance?
Usually. Progressive says “PIP usually comes before your medical insurance when paying out a claim.” That word “usually” matters, so check how your state and policy handle it.
Does Progressive PIP Cover Family Members Not on My Policy?
It can. Progressive says that in some states, PIP’s non-medical benefits can protect “family members in your household, even if they’re not on your policy.” Check your state’s policy form for who counts as an insured.
How Soon Do I Need to Act After an Accident?
State deadlines can be short. Florida’s PIP law pays medical benefits only if you first get care within 14 days of the accident. New York’s Department of Financial Services says written notice of a no-fault claim is due no more than 30 days after the accident, unless you can justify the delay. Report the claim to Progressive as soon as you can.
Sources
- Progressive: Personal Injury Protection (PIP)
- Progressive: What Is Personal Injury Protection?
- Progressive: How Much Personal Injury Protection Do You Need?
- Progressive: Personal Injury Protection Deductible
- Progressive: What Does No-Fault State Mean?
- Progressive: Bodily Injury vs. Personal Injury Protection
- Progressive: Medical Payments Coverage
- Progressive: What Is Medical Payments Coverage?
- Florida HSMV: Insurance Requirements
- Florida Statute 627.736: Required Personal Injury Protection Benefits
- Florida Statute 627.739: PIP Deductibles
- New York DFS: What Auto Coverages Do I Need?
- New York DFS: Consumer FAQs About No-Fault Insurance
- Michigan DIFS: Choosing PIP Medical Coverage
- New Jersey DOBI: Standard Auto Policy
- Texas Department of Insurance: Auto Insurance Guide