Category: Auto

Car insurance is designed to protect you against financial losses if you’re involved in an accident or the vehicle is damaged in some way

Uninsured Protection
Decide what auto insurance coverage options are right for you, and let us help you get covered!

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Accidents

Uninsured

Under-insured

Nearly 500,000 car accidents happen a year in Texas. Since the pandemic, motor vehicle crash statistics have undergone significant changes. Despite fewer passenger vehicles on the road, automobile collisions and fatalities have increased. Unfortunately, there were no deathless days in Texas.

According to the Texas Department of Transportation:

1 car accident occurs every minute and 7 seconds

1 person is killed every 2 hours and 15 minutes

1 person is injured every 2 minutes and 34 seconds

In the last reporting year, the fatality rate has increased to 7.54%. The sharp increase may be attributed to an increase in reckless driving.
While government agencies are still analyzing the data and have not made the details available to the public, a prevailing theory is that drivers felt more comfortable speeding and engaging in other reckless behavior due to the decrease in vehicles on the road.
In addition, supply-chain shortages have increased the number of commercial vehicles on the road. With over 500 fatal large truck collisions, Texas leads the country in deadly commercial truck accidents. Over 13% of the nation’s fatal truck crashes occur on Texas highways.

With 215 million drivers in the U.S., there is a large proportion of uninsured drivers in the country. There are approximately 32 million uninsured drivers in the U.S., equal to about one in eight drivers, says the IRC.

Texas has 17,667,039 licensed drivers and only 75% of those drivers are insured, leaving 4,416,759 uninsured individuals. Additionally, 30% of all licensed drivers are uninsured, increasing your need for uninsured/underinsured coverage in Texas.
February 14, 2023

Commercial Auto

Customized coverage to match your business

Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:

Liability
Physical Damage
Medical Payments
Uninsured Motorist
Hired Auto
Non-Owned Coverage
Any Auto

We can also adjust your policy to reflect seasonal changes to keep your rates low and your coverage steady.

We also provide special benefits including customized coverages, competitive rates, discounts, exceptional claims service and more. Commercial Auto insurance covers:

Business autos

Includes cars, light trucks, SUVs, vans and more. Business auto insurance customers enjoy advantages, including discounts and access to network shops throughout the country.

Trucks

From dump trucks to tractor trailers, we have the experience you’re looking for. We offer 24/7 claims service with an extensive truck repair network, discounts and more.

Trailers

Illustration of three commercial trailers

We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.

How much does commercial auto insurance cost?

In 2021, the national median cost for commercial auto insurance through Progressive was $160 per month for both business auto and contractor customers. The average monthly cost was about $200.^{‡‡(See Disclosure)} Most customers find their monthly premium to be closer to the median price because expensive outliers often drive up the average cost.

Commercial Customer	Median Cost	Average Cost
Business Auto – Like cleaning services, restaurants and shops	$160/month	$205/month
Contractors – Like carpenters, electricians, landscapers and painters	$160/month	$196/month
For-hire truck and tow truck premiums aren’t included in these numbers. Learn more about our for-hire truck insurance costs and tow truck insurance rates.

Several risk factors contribute to your premium, including your profession, coverage needs, vehicles, drivers, driving history and location. You can expect to pay more than the average rate if your business requires more coverage or has a history of claims.

Learn more about what influences your cost and what you can do to get the cheapest commercial auto insurance. The best way to find out what you’ll pay is to get a commercial auto insurance quote.

February 14, 2023

Rideshare Insurance

If you plan to operate on Uber, Lyft or any ridesharing platform as a driver, it’s easy to get rideshare insurance from Progressive. Simply add rideshare coverage to your personal auto insurance policy so you’re protected as soon as you start working. If an accident occurs while you’re waiting to receive a ride request, your rideshare coverage can protect you if you’re liable for injuries or damages as well as pay to repair or replace your own damaged vehicle.

Am I required to add rideshare insurance to my Progressive policy?

Progressive requires you to add rideshare insurance coverage to your personal auto policy if you’re driving for a rideshare company. By adding rideshare coverage, you can gain protection beyond what’s provided by your ridesharing company’s insurance policy.

Transportation Network Provider (TNC) coverage vs. Progressive rideshare endorsement

Your TNC is generally mandated by state law to provide insurance coverage for their drivers. However, you may not be as protected as you think with your rideshare company’s insurance policy. TNCs may not cover you while you’re waiting for a rider, and your personal auto policy may not either — unless you add a separate rideshare endorsement.

Any insurance offered through your ridesharing company’s insurance policy may offer liability protection while you’re waiting to match with a rider, but you’re typically on the hook for any physical damage to your car. With Progressive rideshare coverage, your personal auto policy’s comprehensive and collision coverage will apply during this phase of a trip in case your vehicle is damaged in a covered incident.

The chart below shows which coverages may be provided by the TNC and which Progressive coverages may apply during the two main stages of a trip:

Coverages while you’re online	Waiting to match with a rider	Trip accepted & transporting rider
Bodily injury & property damage liability	Progressive/TNC^*	TNC
Comprehensive	Progressive^**	TNC^†
Collision	Progressive^**	TNC^†
Uninsured/underinsured motorist	Progressive^**	TNC^†
Personal injury protection/medical payments	Progressive^**	—
Roadside assistance	Progressive^**	Progressive^**
Rental car reimbursement	Progressive^**	Progressive^**

*While waiting for a pickup request, primary liability coverage is typically provided by your personal auto policy with the rideshare add-on. Additional liability coverage may be provided by the TNC.

**These coverages only apply if you carry them on your personal auto policy. Uninsured/underinsured motorist coverage and personal injury protection/medical payments coverages only apply to the driver and not to any guest passengers while waiting to match with a rider.

†These coverages may be contingent on whether you also carry them on your personal auto policy.