Progressive Vehicle Protection

Protect your new car from breakdowns for as low as $12 per month

What is a vehicle protection plan?

More than your typical car insurance policy or extended warranty, a vehicle protection plan steps in to cover those car repairs that seem to pop up after your car warranty expires. Progressive Vehicle Protection adds system repair coverage to your auto policy, so you don't have to buy an extended warranty or pay when a system in your new car breaks.

With the Progressive Vehicle Protection plan, you get:

  • Coverage for major system issues not typically covered by car insurance
  • Baked-in coverage for minor dents and dings and lost, stolen, or damaged keys — perks often not included in vehicle warranties
  • A rate as low as $12 per month with the option to renew every six months (compared to paying thousands of dollars per year for an extended warranty)
  • Progressive Vehicle Protection
  • Manufacturer's Car Warranty
What's covered?

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8
Key/fob replacement Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection
Minor dents and dings Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection
Electrical systems and components

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection
AC, heating, and radiator

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection
Engine

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection
Transmission / drivetrain

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 

Manufacturer's Car Warranty Coverage

 Progressive Vehicle Protection Progressive Vehicle Protection Progressive Vehicle Protection
Manufacturer warranty column represents warranty terms of most domestic makes and may vary. Progressive Vehicle Protection coverage begins to apply when the vehicle warranty expires for covered components.

What does a vehicle protection plan cover?

As a new auto insurance coverage, Progressive's vehicle protection plan covers what car insurance typically doesn't: system failures once your manufacturer's warranty has expired, minor dents and dings, and keys that need to be fixed or replaced. Our vehicle protection plan makes it possible for you to be covered for these non-accident issues, all through your auto insurance policy:

  • Engine failure
  • Transmission/drivetrain issues
  • Electronic system and component errors
  • AC/heating malfunction
  • Other system issues
  • Surface dings and dents
  • Stolen, lost, or damaged keys/fobs

EXAMPLE

Your car is four years old when your air conditioner compressor stops working. Your manufacturer's warranty expired after three years, and a compressor replacement costs $1,600. You can file a claim through your vehicle protection coverage, and if approved, you pay a $100 deductible, and Progressive will cover the rest.*

What's the difference between vehicle protection and an extended car warranty?

The main differences between Progressive's vehicle protection plan and an extended car warranty are:

  • Vehicle protection is offered as a car insurance coverage for newer cars
  • Extended car warranties are offered by car dealers and manufacturers when you buy a car, and by third parties for a period after you buy a car

Both can cover major system and part failures within a certain period, but here are some other key differences between vehicle protection and an extended car warranty:

Progressive Vehicle Protection Extended car warranty
Increase your auto insurance premium by a small amount Pay a large lump sum up front
Choose to cancel anytime or renew every 6 months (auto-renew available if you have auto-pay) Warranty is locked in for a set number of years (often 4 to 7)
One coverage for all major car systems Separate warranties for different systems, such one for powertrain and one for corrosion
Also covers minor dents and dings and lost, stolen, or damaged keys and key fobs Only covers specified parts

Progressive Vehicle Protection vs. Mechanical Breakdown Insurance

Progressive offers two products that could be considered mechanical breakdown insurance: Progressive Vehicle Protection, and Mechanical Breakdown Insurance through Good Sam. Progressive Vehicle Protection is designed for newer cars and trucks. If you have an RV, or if you have a car that's over the Progressive Vehicle Protection initial age limit, you might be interested in Progressive's Mechanical Breakdown Insurance (MBI) through Good Sam.†

To help you decide which is right for you, here are some key differences between Progressive Vehicle Protection and Good Sam's Mechanical Breakdown Insurance:

  Progressive Vehicle Protection Progressive Mechanical Breakdown Insurance through Good Sam
What type of vehicle is it for?

New cars and trucks

RVs and other vehicles
What is the initial vehicle age limit?

2 years old or newer

15 model years or newer with less than 100,000 miles
When will my vehicle no longer be eligible?

At 8 years old

At 18 model years old or 150,000 miles
What's covered?

System/component failures and breakdowns outside your vehicle warranty coverage, plus:

  • Minor dents and dings
  • Lost, stolen, and damaged keys and fobs

System/component failures and breakdowns outside your vehicle warranty coverage
What travel expenses are covered if I break down?

Through Progressive's other required coverages:

  • Food and lodging: $50 and $100 per day, respectively
  • Rental car: $40–60 per day (depending on limit selected)
  • Transportation: Towing within a 15-mile radius plus $50 per day

Through MBI's travel benefits:

  • Food and lodging: $100 per day total
  • Rental car: $60 per day**

Maximum limits will apply
What other coverages do I need to have?

Progressive liability, comprehensive, collision, rental car, and roadside assistance with trip interruption

Any coverages required by your state and your vehicle lender
What's the deductible?*

$100 ($0 for minor dents/dings or key/fob replacement)

$100-$500

Is Progressive Vehicle Protection worth it?

It costs hundreds and even thousands of dollars to repair the major systems in your car. Even small scratches and dents can be expensive to repair professionally. For as little as $12 per month, Progressive Vehicle Protection can be worth it to protect your wallet while keeping your vehicle functioning and looking like a new car.

Frequently asked questions about Progressive Vehicle Protection

Protect your new car from unexpected failures and breakdowns

Get a quoteOr, call 1-855-347-3939