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Company Rate Filing Information

Progressive Direct Filings

As of August 2016

The following are the filings made by Progressive Direct.

Filing No./Overall Rate Indication Materials Included Effective Date
PRGS130582771

Rate/Rule:

  • Private Passenger Auto Symbols
  • Base Rate Table
  • Residency Rewards Factor Table
  • Full Coverage Factor Table
  • Garage vs Mailing Zip Code Factor Table
  • Base Model Year Table
  • Coll Vehicle Age by Deductible Factor Table
07/08/16 New
0807/16 Renew 
PRGS130312699

Form:

  • Application for MA Motor Vehicle insurance – Form 4905 MA (08/15)

Markup of Changes

05/04/16 New/Renew
PRGS130451602

Form:

  • Application for Motor Vehicle Ins. – Form Z030 MA (01/16)
05/04/16 New
PRGS130470899

Rule:

  • V13-Usage Based Insurance

Markup of Changes

03/24/16 New/Renew
PRGS130211662

Rule:

  • Driver Classification Factor Table
  • Violation Points Table
  • Violation Classification Table
  • RBI/OBI/PD Driving Record Points Factor Table – PDIC & MAIP
  • UM/UIM/PIP/MED Driving Record Points Factor Table – PDIC & MAIP
  • Comp/Loan Driving Record Points Factor Table
  • Coll/Lim Coll/Rent/Roadside Driving Record Points Factor Table
  • Household Member Factor Table 1
  • Household Member Factor Table 2
  • RBI/OBI/PD Years Licensed and Points Factor Table
  • Coll/Lim Coll/Rent/Roadside Years Licensed and Points Factor Table
  • Comp/Loan Years Licensed and Points Factor Table
  • UM/UIM/PIP/MED Years Licensed and Points Factor Table
  • Driver Training Factor Table
  • Household Structure Factor Table
  • Acquisition Expense Vehicle Count Factor Table

Rule:

  • D04 Driving Record Classification
  • D06 Driving Violation Descriptions
  • D08 Unacceptable Drivers
  • P08 Unacceptable Policies
  • P16 Progressive as Proof of Prior Insurance
  • P42 Household Member Factor
  • X02 Prior BI Limits

Markup of Changes

10/20/15 New/Renew
PRGS130177927

Rule:

  • Symbols
08/13/15 New
09/12/15 Renew 

PRGS130102962

-1.5%

Rate/Rule:
Rate:

  • Rate Exhibit
  • Driver Classification Factor Table
  • Base Rate Table
  • Vehicle Age Factor Table
  • Base Model Year Table
  • OBI Limit Factor Table
  • PD Limit Factor Table
  • RENT Limit Factor Table
  • PIP Deductible Factor Table
  • Comp Deductible Factor Table
  • Coll Deductible Factor Table
  • Paid-in-Full Discount Factor Table
  • Policy Term Factor Table – PCIC & MAIP
  • Usage Based Insurance Factor Table – Initial Factor
  • Usage Based Insurance Factor Table – Subsequent Discount
  • Vehicle Garaging Location Factor
  • Vehicle Symbol Factor Table
  • Supporting Exhibit Towns

Rule:

  • B02 Installment Fee
  • B03 NSF Fee
  • B04 Late Fee Charges
  • B05 Renewal Payments
  • B80 Cancel Methodology
  • D01 Driver Definitions
  • D02 Permit Rating
  • D03 Driver Classification
  • D04 Driving Record Classification
  • D05 Unverifiable Driving Record and Foreign Driver's License
  • D06 Driving Violation Descriptions
  • D07 Financial Responsibility Filing Fee
  • D08 Unacceptable Drivers
  • D10 Distant Student Discount
  • D11 Minor Child Discount
  • D12 Good Student Discount
  • D81.A Driver Training
  • D81.B Mature Driver Discount
  • P01 Liability Increased Limits
  • P02 UM/UIM BI Limits
  • P03 Limited Collision
  • P04 Medical Payments Limits
  • P05 PIP Limits
  • P06 Comprehensive and Collision Coverages
  • P08 Unacceptable Policies
  • P09 Expense Loads
  • P10 Short Rate Penalty Fee
  • P11 Reinstatement After Cancellation for Non-payment
  • P12 Treatment of Total Loss Vehicles
  • P13 Hardship Accommodation
  • P14 Preferred Status
  • P15 Prior Insurance Classification
  • P16 Progressive as Proof of Prior Insurance
  • P18 Accident Surcharge Waiver
  • P19 Low Payout Claim Forgiveness
  • P23.A Rate Capping
  • P23.B MAIP Capping
  • P24 Multi-car Indicator
  • P25 Multi-policy Discount
  • P26 Residence Insurance Discount
  • P28 Paid in Full Discount
  • P29 Electronic Funds Transfer Discount
  • P30 Paperless Discount
  • P31 E-signature Discount
  • P32 Online Quote Discount
  • P34 Continuous Insurance Discount
  • P35 Residency Rewards
  • P36 Three - year Safe Driving Discount
  • P38 Five - year Accident Free Discount
  • P40 Full Coverage Status
  • P42 Household Member Factor
  • P43 Financial Responsibility Filing Surcharge
  • P48 Household Structure
  • P81 Summary of Coverage Abbreviations
  • P84.A Driver Vehicle Alignment
  • P84.B Category Factor
  • P84.C Garaging Zip Versus Mailing Zip Factor
  • V01 Vehicle Symbols
  • V02 Model Year
  • V03 Vehicle Age
  • V04 Value Class Vehicle Rating
  • V05 Loan/Lease Payoff Unacceptable Risks
  • V06 Unacceptable Vehicle Types
  • V07 Vehicle Garaging Location Rating
  • V08 Unacceptable Vehicle Garaging Locations
  • V09 Vehicle Use Definitions
  • V10 Unacceptable Vehicle Use
  • V11 Business Use Surcharge
  • V12 Excess Vehicle Factor
  • V13 Usage-based Insurance
  • V88 Annual Mileage Discount
  • V89 Low Frequency Discount
  • V91 Pre-Insurance Inspection Program
  • X02 Prior BI Limits

Markup of Changes

08/07/15 New
09/06/15 Renew 

PRGS129700337

-0.1%

Rate/Rule
Rate:

  • Exhibit for MA
  • RBI/OIB/PD Driving Record Points Factor Table – PDIC & MAIP
  • UM/UIM/PIP/MED Driving Record Points Factor Table – PDIC & MAIP
  • Base Rate Table
  • Household Structure Factor Table
  • Vehicle Garaging Location Factor
  • Garage vs Mailing Zip Code Factor Table
  • Vehicle Age Factor Table
  • Multi Car/Residence Insurance Discount
  • Continuous Insurance Discount Factor Table (Incept as Gold)
  • Continuous Insurance Discount Factor Table (Renew as Gold)
  • Continuous Insurance Discount Factor Table (Incept as Platinum)
  • Continuous Insurance Discount Factor Table (Renew as Platinum)
  • Continuous Insurance Discount Factor Table (Renew as White Diamond)
  • Continuous Insurance Discount Factor Table (Renew as Diamond)
  • Policy Term Factor Table – PDIC & MAIP
  • POP/Prior BI Limit Group Table
  • Base Rate Table – MAIP
  • Annual Mileage Discount Factor Table – MAIP
  • Multi Car Discount Factor Table – MAIP
  • Low Frequency Discount Factor Table – MAIP
  • Vehicle Symbol Factor Table

Rule:

  • D81.B Mature Driver Discount
  • P23.B MAIP Capping
  • P25. Multi Policy Discount
  • P84.A Driver Vehicle Alignment
  • V12 Usage based Insurance
  • V88 Annual Mileage Discount
  • V89 Low Frequency Discount

Markup of Changes

10/17/14 New
11/16/14 Renew 
PRGS129720416

Progressive Casualty
Progressive Direct
Form:

  • Fee Endorsement
10/17/14 New/Renew
PRGS129693971

Forms:

  • Policy Endorsement – General Provisions and Exclusions
    • 10.a. Actual Cash Value
    • Pet Injury Coverage Endorsement
    • Roadside Assistance Coverage Endorsement
    • Coverage for Anyone Renting an Auto to You Additional Interest – Lessor
    • Stated Amount Coverage
    • Transportation of Fellow Employees, Students or Others
    • Custom Parts or Equipment Coverage Endorsement
    • Application for Massachusetts Motor Vehicle Insurance
    • Fee Endorsement

Markup of Changes

10/17/14 New/Renew
PRGS129448351

Forms:

  • Massachusetts Auto Insurance Policy – Form 9609D MA (03/14) 2008 Edition
  • Application for MA Motor Vehicle Insurance 

Mark up of Changes

05/09/14
PRGS129366576 Installment Pay Plan 05/09/14

PRGS129340825

+0.9%

Rate:

  1. Driver Classification Factor Table
  2. Violation Points Table
  3. Violation Classification Table
  4. RBI/OBI/PD Driving Record Points Factors Table
  5. UM/UIM/PIP/MED Driving Record Points Factors Tables
  6. Comp/Loan Driving Record Points Factor Table
  7. Coll/LIM Coll/Rent/Roadside Driving Record Points Factor Table
  8. Distant Student/Minor Child Discount Factor Table
  9. Good Student Discount Factor Table
  10. Household Member Factor Tables
  11. RBI/OBI/PD Years Licensed and Points Factor Table
  12. Coll/LIM Coll/Rent/Roadside Years Licensed and Points Factor Table
  13. Comp/Loan Years Licensed and Points Factor Table
  14. UM/UIM/PIP/MED Years Licensed and Points Factor Table
  15. Driver Training Factor Table
  16. Base Rate Table
  17. Category Factor Table
  18. Residency Rewards Factor Table
  19. Household Structure Factor Table
  20. Full Coverage Factor Table
  21. Vehicle Garaging Location Factor
  22. Garage vs. Mailing Zip Code Factor Table
  23. Value Class Vehicle Factor
  24. Vehicle Age Factor Table
  25. Base Model Year Table
  26. Excess Vehicle Factor Table
  27. RBI Limit Factor Table
  28. OBI Limit Factor Table
  29. PD Limit Factor Table
  30. UM Limit Factor Table
  31. UIM Limit Factor Table
  32. MED Limit Factor Table
  33. Loan Limit Factor Table
  34. Rent Limit Factor Table
  35. Roadside Limit Factor Table
  36. ACPE Limit Factor Table
  37. PIP Deductible Factor Table
  38. COMP Deductible Factor Table
  39. COLL Deductible Factor Table
  40. LIM COLL Deductible Factor Table
  41. COMP Vehicle Age by Deductible Factor Table
  42. COLL Vehicle Age by Deductible Factor Table
  43. Multi-Car/Residence Insurance Discount
  44. Three Year Safe Driving/Five Year Accident Free Discount Factor Table
  45. Paid in Full Discount Factor Table
  46. Electronic Funds Transfer Discount Factor Table
  47. Multi-Policy Discount Factor Table
  48. Continuous Insurance Discount Factor Table
    (Incept as Silver)
  49. Continuous Insurance Discount Factor Table
    (Renew as Silver)
  50. Continuous Insurance Discount Factor Table
    (Incept as Gold)
  51. Continuous Insurance Discount Factor Table
    (Renew as Gold)
  52. Continuous Insurance Discount Factor Table
    (Incept as Platinum)
  53. Continuous Insurance Discount Factor Table 
    (Renew as Platinum)
  54. Continuous Insurance Discount Factor Table
    (Renew as White Diamond)
  55. Continuous Insurance Discount Factor Table
    (Renew as Diamond)
  56. On-line Quote Discount Factor Table
  57. Paperless Discount Factor Table
  58. Mature Driver Discount
  59. Business Use Surcharge Factor Table
  60. Financial Responsibility Filing Surcharge Factor Table
  61. Policy Term Factor Table
  62. Usage Based Insurance Factor Table – Initial Discount
  63. Usage Based Insurance Factor Table – Subsequent Discount
  64. Bad Debt Factor Table
  65. Operations Expense Factor Table
  66. Operations Expense Foreign Drivers License Factor Table
  67. Operations Expend Late/Insufficient Payment Factor Table
  68. Operations Expense Point Factor Table
  69. Acquisition Expense Full Coverage Factor Table
  70. Acquisition Expense Residence Insurance Factor Table
  71. Acquisition Expense On-Line Quote Factor Table
  72. Acquisition Expense Proof of Prior Insurance Factor Table
  73. Acquisition Expense Vehicle Count Factor Table
  74. POP/Prior BI Limit Group Table
  75. Vehicle Symbol Factor Table
  76. Private Passenger Auto Symbols: Series 2008

Rules:
MA Private Passenger Automobile

  • B02 Installment Fee
  • B03 NSF Fee
  • B04 Late Fee Charges
  • B05 Renewal Payments
  • B80 Cancel Methodology
  • D01 Driver Definitions
  • D02 Permit Rating
  • D03 Driver Classification
  • D04 Driving Record Classification
  • D05 Unverifiable Driving Record and Foreign Driver's License
  • D06 Driving Violation Descriptions
  • D07 Financial Responsibility Filing Fee
  • D08 Unacceptable Drivers
  • D10 Distant Student Discount
  • D11 Minor Child Discount
  • D12 Good Student Discount
  • D81.A Driver Training
  • D81.B Mature Driver Discount
  • P01 Liability Increased Limits
  • P02 UM/UIM BI Limits
  • P03 Limited Collision
  • P04 Medical Payments Limits
  • P05 PIP Limits
  • P06 Comprehensive and Collision Coverages
  • P08 Unacceptable Policies
  • P09 Expense Loads
  • P10 Short Rate Penalty Fee
  • P11 Reinstatement After Cancellation for Non-payment
  • P12 Treatment of Total Loss Vehicles
  • P13 Hardship Accommodation
  • P14 Preferred Status
  • P15 Prior Insurance Classification
  • P16 Progressive as Proof of Prior Insurance
  • P18 Accident Surcharge Waiver
  • P19 Low Payout Claim Forgiveness
  • P23 Rate Capping
  • P24 Multi-car Discount
  • P25 Multi-policy Discount
  • P26 Residence Insurance Discount
  • P28 Paid in Full Discount
  • P29 Electronic Funds Transfer Discount
  • P30 Paperless Discount
  • P31 E-signature Discount
  • P32 Online Quote Discount
  • P34 Continuous Insurance Discount
  • P35 Residency Rewards
  • P36 Three - year Safe Driving Discount
  • P38 Five - year Accident Free Discount
  • P40 Full Coverage Status
  • P42 Household Member Factor
  • P43 Financial Responsibility Filing Surcharge
  • P48 Household Structure
  • P81 Summary of Coverage Abbreviations
  • P84.B Category Factor
  • P84.C Garaging Zip Versus Mailing Zip Factor
  • V01 Vehicle Symbols
  • V02 Model Year
  • V03 Vehicle Age
  • V04 Value Class Vehicle Rating
  • V05 Loan/Lease Payoff Unacceptable Risks
  • V06 Unacceptable Vehicle Types
  • V07 Vehicle Garaging Location Rating
  • V08 Unacceptable Vehicle Garaging Locations
  • V09 Vehicle Use Definitions
  • V10 Unacceptable Vehicle Use
  • V11 Business Use Surcharge
  • V12 Excess Vehicle Factor
  • V13 Usage-based Insurance
  • V91 Pre-Insurance Inspection
  • X02 Prior BI Limits

Mark up of changes

05/09/14 New
06/08/14 Renew 

PRGS129194372
+3.0%

Rate:

  • Limits and Deductible Factors, UBI factors and base rates
11/22/13 New
12/22/13 Renew 
PRGS128694287
 +.3% 

Rate Factor Tables
Rules:

  • D03 – Driver Classification – Updated
  • P38- Five Year Accident Free Discount – Removed Section B regarding Foreign Licensed Drivers.
  • P84.A – Driver Vehicle Alignment - #3 added language “ an no inexperienced principal operators are on the policy.”
  • P84.B – Category Factor – Added: Number of at fault accidents (rule D04)
03/29/13 New
04/28/13 Renew 
PRGS128652512 Motorcycle Rates 11/30/12 New 
01/09/13 Renew
PRGS128357139 Rule. 08 - Unacceptable Policies 07/20/12 New
08/19/12 Renew
PRGS128271798 Rate Calculation Chart 10/01/12 New
10/31/12 Renew
PRGS127958069 RV Form: A057MA 09/11 ACV 03/22/12 New
PRGS127957378 Motorcycle Form: A057MA 09/11 ACV 03/22/12 New
PRGS127956378 Personal Auto Form: A057MA 09/11 ACV 03/22/12 New
PRGS127322517

Forms:

  • Coverage Selections Page
  • Personal Auto Application
  • Cancellation Notice 
02/10/12 New
PRGS127797152  +1.0% New Line Coverage - Operations Expense Load"
Updated Territory Rates
Numerous new rules added/revised...see filing
02/10/12 New
03/11/12 Renew
PRGS127808033 Installment Payment Plan 02/10/12 New
03/11/12 Renew
PRGS126956187 Usage Based Insurance
Rule 28. Usage Based Insurance Factor Table
Rule 54. Usage Based Insurance 
02/10/12 New
03/11/12 Renew
PRGS127108918  +2.2%

Changes to:

  • Responsible Driver Factors
  • Years Licensed Factors
  • Transition Factors
  • Base Rates Adjusted to Match MAIP Rates
  • Rule 1. Eligibility  
05/13/11 New
06/12/11 Renew
PRGS126616367 Consumer Guide Ways to Save 5/4/11 New/Renew
PRGS126855881 Rule 57. Rate Capping - NEW RULE 6/01/11 New
7/1/11 Renew
PRGS126849333 +.030% Rule 15.
Rule 29.
Rule 56. 
11/19/10 New
12/19/10 Renew
PRGS126627596  +.3%
New Territory Solutions
Change of Base Rates
Rule 29. Category Factors

7/9/10 New 
8/8/10 Renew

PRGS126606836 Form:  Application for Insurance 7/9/10 New
PRGS09DEC21318 Installment Payment Plan 2/19/10 New
3/24/10 Renew
PRGS09DEC04551 Form - MA MV Insurance Application 10/20/09 New
11/29/09 Renew
PRGS09DEC21160 Rules & Rates - Deleted Rules 13, 14, 27, 31, 32; Rating Factor Pages have been changed 10/20/09 New
11/29/09 Renew
PRGS09SEP04652    +4.0% New Rules Added and Minor changes to Rules 29, 56 and 60 10/20/09 New
11/29/09 Renew
PRGS09JUL20185 Forms: Replaced Forms Above 7/30/09 New/Renew
PRGS09JUN26519 Forms: Cancellation Notice Form 6026, Cancellation Notice Form 6268, Non-Renewal Notice Form 6272 7/18/09 New/Renewal
PRGS09APR27715 Forms: Cancellation and Non-Renewal 1/1/09 New/Renew
PRGS09JAN26850    +4.9% Personal Auto - Rules and Rates 4/1/09 New
4/8/09 Renew
PRGS09FEB13248 RV Installment Plan 4/1/09 New
PRGS09FEB18351 RV Policy, Forms, Endorsements, 2009 Ways to Save for RVs 4/1/09 New
PRGS09FEB13246 Motorcycle Installment Plan 4/1/09 New
PRGS09FEB06041 Motorcycle Policy, Forms, Endorsement, 2009 Ways to Save Brochure for Motorcycles 4/1/09 New
PRGS09JAN30423 RV Manual Rules and Rates 4/1/09 New
PRGS09JAN30420 Motorcycle Manual Rules and Rates 4/1/09 New
PRGS08DEC10824 Pet Injury Form
New Business Application
3/18/09 New/Renew
PRGS116090 Transition Factor of Appendix B 10/3/08 New/Renew
PRGS115898 Rules 4, 28, 60 and 61 9/15/08 New
10/3/08 Renew
PRGS112270

Forms & Endorsements:

  • MA Auto Policy
  • Application
  • Auto Coverage Summary - Coverage Selections Page
  • Loan/Lease Payoff Coverage
  • Pet Injury Coverage Endorsement
  • Roadside Assistance Coverage Endorsement
  • Coverage for Anyone Renting an Auto to You Additional Interest-Lessor
  • Waiver of Deductible
  • Stated Amount Coverage
  • Separate Glass Deductible - Comprehensive
  • Operator Exclusion Form
  • Transport of Fellow Employees, Students or Others
  • Custom Parts or Equipment Coverage Endorsement
  • Agreed Amount Coverage - Comprehensive
5/1/08 New
PRGS112178

Forms

5/1/08 New
Initial Filing II Rate Tables 5/1/08 New
Initial Filing Manual 5/1/08 New