Progressive

The Progressive Corporation is one of the largest providers of car insurance in the United States, also offering personal and commercial auto, home, renters, boat, motorcycle, and other insurance products. Progressive operates a developer portal at developer.progressive.com offering APIs for auto insurance quoting, certificate of insurance generation, and agent portal integrations.

Progressive publishes 8 API contracts indexed on the APIs.io network, including Certificates API, Drivers API, Policies API, and 5 more. Tagged areas include Auto Insurance, Commercial Insurance, Embedded Insurance, Insurance, and Quoting.

The Progressive catalog on APIs.io includes 1 Spectral governance ruleset.

Progressive’s developer surface includes authentication, developer portal, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

25.2/100 emerging ▬ flat Agent 20/100 agent aware Front door AI 1/6 silent Heartbeat 66/100 slowing Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

2 published contracts

Auto Insurance Commercial Insurance Embedded Insurance Insurance Quoting Fortune 500 Property and Casualty

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Insurance Distribution Management

BC-2110

Quotes

POST /quotes

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 25.2/100 · emerging

Contract Quality 8.4 / 19

Developer Ergonomics 4.7 / 15

Access Clarity 0.8 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.2 / 9

Discoverability 4.3 / 8

Regulatory Posture 1.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 5.3 — up to +18.9 composite points
Developer Ergonomics scores 31.0 — up to +13.8 composite points
Contract Quality scores 44.7 — up to +13.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/progressive/apis.yml: open an issue on github.com/api-evangelist/progressive to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Progressive Certificates API

Generate and manage certificates of insurance.

Progressive Drivers API

Manage driver profiles for quoting.

Progressive Policies API

Retrieve policy information for certificate generation.

Progressive Quotes API

Create and retrieve auto insurance quotes.

Progressive Vehicles API

Manage vehicle information for quoting.

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...

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...

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.

Scroll for all 8

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Progressive Auto Quote API

OPEN COLLECTION

Progressive Certificate of Insurance API

OPEN COLLECTION

Progressive Auto Quote Certificates API

OPEN COLLECTION

Progressive Auto Quote Certificates Drivers API

OPEN COLLECTION

Progressive Auto Quote Certificates Policies API

OPEN COLLECTION

Progressive Auto Quote Certificates Quotes API

OPEN COLLECTION

Progressive Auto Quote Certificates Vehicles API

OPEN COLLECTION

Scroll for all 7

Progressive API pricing

Not yet checked against Progressive's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.progressive.com/; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Contract-defined limits: see partner agreement varies

Compiled by API Evangelist, not yet checked against Progressive's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Progressive Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Progressive Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Progressive

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Progressive Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Progressive API Rules

39 rules · 37 errors 1 warnings 1 info

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Progressive Authentication

http · 1 scheme

SECURITY

Progressive Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Progressive Agentic Access

7 operations · 2 acting

AGENTIC

Press 5

Recent news and press coverage referencing this provider.

Progressive CEO Tricia Griffith Prioritizes AI for Strategic ...

Progressive Insurance® Imagines a World Where Animals ...

Artificial Intelligence at Progressive Insurance - Two Use ...

How Progressive is thinking about AI. #progressive ...

Progressive Insurance tests limits of AI-generated ads

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

DeveloperPortal

DeveloperPortal

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: progressive
name: Progressive
description: The Progressive Corporation is one of the largest providers of car insurance in the United States, also offering
  personal and commercial auto, home, renters, boat, motorcycle, and other insurance products. Progressive operates a developer
  portal at developer.progressive.com offering APIs for auto insurance quoting, certificate of insurance generation, and agent
  portal integrations.
kind: contract
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/progressive.png
tags:
- Auto Insurance
- Commercial Insurance
- Embedded Insurance
- Insurance
- Quoting
- Fortune 500
- Property and Casualty
url: https://raw.githubusercontent.com/api-evangelist/progressive/refs/heads/main/apis.yml
created: '2026-03-21'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: progressive:progressive-certificates-api
  name: Progressive Certificates API
  description: Generate and manage certificates of insurance.
  humanURL: https://developer.progressive.com/s/clautoquoteapidoc
  baseURL: https://api.progressive.com
  tags:
  - Certificates
  properties:
  - type: OpenAPI
    url: openapi/progressive-certificates-api-openapi.yml
  - type: Documentation
    url: https://developer.progressive.com/s/clautoquoteapidoc
  - type: Documentation
    url: https://developer.progressive.com/s/
- aid: progressive:progressive-drivers-api
  name: Progressive Drivers API
  description: Manage driver profiles for quoting.
  humanURL: https://developer.progressive.com/s/clautoquoteapidoc
  baseURL: https://api.progressive.com
  tags:
  - Drivers
  properties:
  - type: OpenAPI
    url: openapi/progressive-drivers-api-openapi.yml
  - type: Documentation
    url: https://developer.progressive.com/s/clautoquoteapidoc
  - type: Documentation
    url: https://developer.progressive.com/s/
- aid: progressive:progressive-policies-api
  name: Progressive Policies API
  description: Retrieve policy information for certificate generation.
  humanURL: https://developer.progressive.com/s/clautoquoteapidoc
  baseURL: https://api.progressive.com
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/progressive-policies-api-openapi.yml
  - type: Documentation
    url: https://developer.progressive.com/s/clautoquoteapidoc
  - type: Documentation
    url: https://developer.progressive.com/s/
- aid: progressive:progressive-quotes-api
  name: Progressive Quotes API
  description: Create and retrieve auto insurance quotes.
  humanURL: https://developer.progressive.com/s/clautoquoteapidoc
  baseURL: https://api.progressive.com
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/progressive-quotes-api-openapi.yml
  - type: Documentation
    url: https://developer.progressive.com/s/clautoquoteapidoc
  - type: Documentation
    url: https://developer.progressive.com/s/
- aid: progressive:progressive-vehicles-api
  name: Progressive Vehicles API
  description: Manage vehicle information for quoting.
  humanURL: https://developer.progressive.com/s/clautoquoteapidoc
  baseURL: https://api.progressive.com
  tags:
  - Vehicles
  properties:
  - type: OpenAPI
    url: openapi/progressive-vehicles-api-openapi.yml
  - type: Documentation
    url: https://developer.progressive.com/s/clautoquoteapidoc
  - type: Documentation
    url: https://developer.progressive.com/s/
- aid: progressive:embedded-direct-quoting
  name: Embedded Direct Quoting API
  description: 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 the policy purchase end-to-end. Available as both an
    SDK and a headless API across all 50 states.
  humanURL: https://developer.progressive.com/s/embeddeddirectapidoc
  tags:
  - Quoting
  - Auto Insurance
  - Embedded Insurance
  - Personal Lines
- aid: progressive:certificate-of-insurance
  name: Certificate of Insurance API
  description: 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-coverage documents.
  humanURL: https://developer.progressive.com/
  tags:
  - Certificate of Insurance
  - COI
  - Commercial Insurance
  - Documents
- aid: progressive:commercial-auto-quoting
  name: Commercial Auto Quoting API
  description: Quoting product for commercial auto policies; enables partners to surface Progressive commercial-lines coverage
    and rate options within their onboarding or fleet-management flows.
  humanURL: https://developer.progressive.com/s/clautoquoteapidoc
  tags:
  - Quoting
  - Commercial Auto
  - Commercial Insurance
  properties: []
common:
- type: Plans
  url: plans/progressive-plans-pricing.yml
- type: RateLimits
  url: rate-limits/progressive-rate-limits.yml
- type: FinOps
  url: finops/progressive-finops.yml
- type: CapabilityMap
  url: capabilities/progressive-capability-edges.yml
  name: Progressive Business Capability Map
- type: AgenticAccess
  url: agentic-access/progressive-agentic-access.yml
- type: DomainSecurity
  url: security/progressive-domain-security.yml
- type: Authentication
  url: authentication/progressive-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/the-progressive-corporation
- type: Portal
  url: https://developer.progressive.com/s/
- type: Website
  url: https://www.progressive.com/
- type: Integrations
  url: https://www.progressive.com/partners/
- type: GitHubOrganization
  url: https://github.com/Progressive-Insurance
- type: DeveloperPortal
  url: https://developer.progressive.com/
  description: Public developer portal (verified live 2026-05-22)
integrations:
- name: Progressive Insurance logo, Home page
- name: Facebook
- name: Instagram
- name: YouTube
- name: TikTok
- name: X, Formerly Twitter
maintainers:
- FN: API Evangelist
  email: info@apievangelist.com

Progressive API — frequently asked questions

Does Progressive have an API?

Yes. APIs.io lists 8 APIs from Progressive, including Progressive Certificates API, Progressive Drivers API and Progressive Policies API, and 5 more.

Is there an OpenAPI specification for the Progressive API?

Yes. APIs.io indexes 5 OpenAPI specifications for Progressive, each linked for download from this page.

How do I authenticate with the Progressive API?

Progressive uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Progressive Authentication.

How much does the Progressive API cost?

APIs.io lists 1 pricing plan for Progressive, with each plan's price, limits and inclusions under Pricing on this page.

Is the Progressive API ready for AI agents?

Progressive has a Kin Score of 25.2 out of 100 (emerging) and an Agent Readiness score of 19.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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