Progressive Direct car insurance

Progressive Direct
Progressive Direct's overall rating for car insurance

(as rated by the Mozo community)

7.9 / 10

based on 69 reviews

With car insurance experience dating back to 1937 and an easy to use, online platform, Progressive Direct really lives up to its name. Plus, it specialises in car insurance, so you know you’re getting a policy written by experts, and at a great price too!

Check out the details of a Progressive Direct car insurance policy below:

Progressive Direct offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Insurance
Progressive Direct

Yes costs extra

Not Published



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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What’s covered?

The first thing on your mind is probably what kind of protection you’ll get with Progressive Direct. Here are some of the main things you can expect to have cover for:

What’s not?

In a perfect world, your car insurance policy would cover every little thing you could think of. But unfortunately, there are a few exclusions to your Progressive Direct policy, including:

Keep in mind that any modifications aren’t covered under your policy unless you have it in writing. Adding cover for these extras will likely raise your premium as well.

How much does Progressive Direct car insurance cost?

Insurance premiums can take a real toll on your budget’s bottom line if you don’t take the time to compare your options and find a policy that will give you the right level of cover for a decent price.

Here are the main factors that will affect the cost of your Progressive Direct insurance:


The premium is basically the price tag applied to an insurance policy. It’s based on how likely the insurer thinks it is that you will make a claim - the more likely it is, the higher your premium will generally be.

When Progressive Direct determines your premium, it might be based on factors including:


Luckily, there are a range of discounts on offer from Progressive Direct to help keep your insurance costs low. These include your no claims discount - which is decided on a state-by-state basis - as well as a multi-car discount for if you take out more than one car insurance policy.

Other discounts that might apply to you include:


Another expense to consider is the excess. When you make a claim, you’ll have to pay this before your insurance will kick in.

At Progressive Direct, you can choose a low or high excess, but remember that the lower your excess, the higher your premium will be.

You should also keep in mind that there are extra excesses applied to young drivers, or drivers who haven’t held a licence for very long.

How do I pay my premium?

With Progressive Direct, you can pay your premium all at once in a lump sum, or you can choose to pay in monthly installments. Just keep in mind, if you choose to take advantage of this flexible option, it will cost more.

You can pay your Progressive Direct premium securely online - and the best part about that is that you’ll get your certificate of insurance straight away, and print it if you want to.

How is Progressive Direct rated by customers?

Enough of us talking! We’ve rounded up the opinions of regular people who took out a car insurance policy with Progressive Direct so you can hear what they think. Check out how they rate their experience in terms of things like trust, policy coverage and price in our customer review section

Making a claim

If you have an accident and need to make a claim on your Progressive Direct car insurance, then you can do it online through your Progressive Direct account, or by calling the claims service.

One handy thing to know is that as long as you use Progressive Direct’s preferred repairers you won’t have to run around getting quotes on repairs - they’ll handle all that for you.

When you make a claim, remember to have some important details handy, including:

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