Progressive’s Loyalty Rewards program enrolls auto customers automatically and adds benefits the longer you stay, starting with Small Accident Forgiveness on day one and reaching Large Accident Forgiveness at five years. There are seven levels, from Immediate to Crown at 20 years, and each one keeps the benefits of the levels before it.
The program isn’t offered in every state. Progressive’s Loyalty Rewards page says it “is not currently available in Hawaii, Alaska, North Carolina, or California.” Time with your previous insurer can also count toward your level.
Key Takeaways
- You don’t sign up for Loyalty Rewards. Progressive auto customers are enrolled automatically and move up through seven levels based on how long they’ve been insured.
- Up to four years with your prior auto insurer can count toward your level if there was no gap in coverage, so a switcher may not start at the bottom of the chart.
- Progressive lists the discounts each level unlocks but doesn’t publish what they’re worth, so the chart alone can’t tell you whether staying beats switching.
- The 20-year lifetime renewal guarantee promises renewal without promising a price, and it doesn’t apply if there’s fraud, misrepresentation or knowingly withheld rating information.
Progressive Loyalty Rewards Levels Chart
This chart follows Progressive’s Loyalty Rewards page as of November 2026. Each level adds the benefit shown to everything earned before it.
| Level | Time insured | Benefit added |
|---|---|---|
| Immediate | Day 1 | Small Accident Forgiveness |
| Silver | 6 months | Continuous Insurance Discount |
| Gold | 1 year | Teen Driver Discount |
| Platinum | 3 years | Continuous Insurance Discount (listed again) |
| Diamond | 5 years | Large Accident Forgiveness |
| Emerald | 10 years | Priority Call Routing |
| Crown | 20 years | Lifetime Renewal Guarantee |
If you bundle home and auto with Progressive, you’re moved to what it calls Loyalty Plus. Progressive says bundled customers “also earn a Multi Policy Discount and Priority Call Routing,” and its discounts page says priority call routing starts at your first policy renewal when you bundle. In other words, bundlers get call routing at Silver instead of waiting until Emerald.
What Each Level’s Benefit Means
The loyalty page lists most rewards as labels only. These descriptions come from Progressive’s other pages.
- Small Accident Forgiveness. Starting with your first policy term, Progressive won’t raise your rate for your first small claim. It ties the limit to $500 but words it two ways, “less than $500” on its discounts page and “less than or equal to $500” on its accident forgiveness page, so ask how a claim right at $500 would be handled.
- Continuous Insurance Discount. A discount for time you were continuously insured before switching. Progressive says the amount varies with how long you were insured and “applies upon your first policy renewal.” It doesn’t explain what the second Continuous Insurance Discount entry at Platinum adds.
- Teen Driver Discount. Meant to offset part of the cost of adding a driver who is 18 or under. Progressive says it “applies after one year with Progressive.”
- Large Accident Forgiveness. Your rate won’t go up after a claim, even one over $500, if you’ve been a Progressive customer for at least five years and stayed accident and violation free for up to five years. Progressive says this benefit is available in most states, so eligibility can depend on where you live. RateFrog covers the rules and limits in Progressive’s accident forgiveness guide.
- Priority Call Routing. Progressive describes this as “24/7 access to a customer service representative.”
- Lifetime Renewal Guarantee. After 20 years, Progressive says it will “renew your policy regardless of changes to your driving record.”
How Prior Insurance Counts Toward Your Level
Progressive says “up to four years of tenure with your prior auto insurer is applied toward your loyalty level” if there was “no interruption in coverage” between your old insurer and Progressive.
Here’s a hypothetical example. A driver has been insured with another company for six straight years and switches to Progressive with no gap. Only four of those years count, which on the chart lands between Platinum (3 years) and Diamond (5 years). After about one more year, the total would reach five.
One detail is worth confirming. Progressive’s discounts page describes Large Accident Forgiveness as being for drivers who have “been a Progressive customer for at least five years.” It doesn’t say whether prior insurer time counts toward that specific benefit, so ask before you rely on it.
What Loyalty Rewards Doesn’t Do
- It doesn’t show dollar amounts. Progressive doesn’t publish the size of the Continuous Insurance, Teen Driver or Multi Policy discounts tied to each level.
- It doesn’t cover larger claims early on. Before you qualify for Large Accident Forgiveness, only a small first claim is protected under the loyalty program.
- It isn’t described as a price guarantee. Progressive’s description of the lifetime renewal guarantee is about renewing the policy, and it doesn’t say your rate stays the same. Its Lifetime Crown Benefits page says the guarantee “does not apply if there is fraud or misrepresentation on your part” or if you knowingly withheld rating information, and that “all terms and coverages are defined solely by your policy.”
- It doesn’t say what happens if you leave. Progressive doesn’t publish whether your level comes back if you cancel and return later. If you’re thinking about canceling Progressive, ask how it would affect your tenure first.
Discounts also vary. Progressive’s loyalty page notes that discounts are “not available in all states and situations,” even where the program itself is offered.
Is Staying for Loyalty Rewards Worth It?
It depends on what a level is worth to you compared with your premium. Progressive’s own guide to accidents and rates says “accidents you cause will almost always raise your insurance rate,” so Large Accident Forgiveness can matter if you’re close to five years. A lower price somewhere else could still outweigh it, especially if you have a clean record and a reliable car.
A practical approach is to check your level before each renewal, note which benefit comes next and when, and then compare that against a few outside quotes. Loyalty is only one of the ways to lower a premium, and RateFrog’s list of auto insurance discounts covers others worth asking about.
If you decide to shop around, you can compare car insurance quotes and weigh them against what you’d give up. Quotes are estimates until an insurer finalizes your policy.
Frequently Asked Questions
How Do I Check My Progressive Loyalty Level?
Progressive says you can “log in online or through the mobile app to view your loyalty level and benefits.”
Can I Get Accident Forgiveness Before the Diamond Level?
Small Accident Forgiveness already applies from day one. For a larger claim before Diamond, the option is to pay for it. Progressive’s accident forgiveness page says you can add Progressive Accident Forgiveness when you buy or renew, and you may have “one eligible accident forgiven per policy period.” Loyalty benefits apply first. The paid option isn’t available in all states, and Progressive doesn’t publish its price.
What Is Progressive PerkShare?
PerkShare appears on the Loyalty Rewards page as free perks, including “special discounts, offers, and coupons” on things like vehicle accessories, rentals, lodging and entertainment. It doesn’t change your insurance rate or coverage.
For more on Progressive’s programs and policies, see RateFrog’s Progressive car insurance guides.