# Progressive Insurance

**Canonical:** https://apis.io/providers/progressive-insurance/  
**Website:** https://www.progressive.com/  
**APIs profiled:** 3

One of the largest auto insurance providers in the United States offering personal auto, motorcycle, boat, RV, home, renters, and commercial insurance. Progressive is known for its direct-to-consumer model (1-800-PROGRESSIVE and progressive.com), its independent-agent channel, the comparative rate quoting experience, and the Snapshot usage-based insurance program that prices premiums against telematics-captured driving behaviour from a plug-in OBD-II dongle or the Snapshot mobile app. Progressive also runs the ForAgents agent portal and a public Developer Portal at developer.progressive.com that hosts embedded-quoting APIs for partners — including the Embedded Direct auto quoting API, the Commercial Auto Quoting product, and the Certificate of Insurance API — alongside private B2B integrations with comparative-rater carriers, agency-management systems, and telematics providers.

## Kin Score — 14.5 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 14.5).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 3.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free — onboarding: unknown, pricing: free, trial: no (confidence: medium).

## APIs (3)

- **Embedded Direct Quoting API** — Returns an estimated auto insurance rate from consumer-supplied vehicle and driver data; partners embed the quote flow directly inside their own product surfaces and complete th...
- **Commercial Auto Quoting API** — Quoting product for commercial auto policies; enables partners to surface Progressive commercial-lines coverage and rate options within their onboarding or fleet-management flows.
- **Certificate of Insurance API** — Generates or retrieves a certificate of insurance (COI) for a Progressive commercial policy; used by lenders, brokers, and operations platforms that need real-time proof-of-cove...

## Security (1)

- **Progressive Insurance Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Progressive Insurance Plans Pricing**

## Tags

Insurance, Auto Insurance, Property and Casualty, Telematics, Fortune 500, Personal Lines, Commercial Insurance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/progressive-insurance/). Scores are computed from the provider's own public artifacts under a published rubric.