PGR · 8-K · 20260520PR000204

Distribution Channels

PROGRESSIVE CORP/OH/ · 2026-05-20 · Importance 31 · Surprise 32

Direct distribution continued to outgrow the agency channel in Progressive’s auto business. Direct auto policies in force increased 11% year over year to 16.645 million, compared with 8% growth for agency auto policies to 11.108 million. Year-to-date direct-auto net premiums written increased 10% and net premiums earned increased 13%, versus 5% and 6%, respectively, for agency auto. Progressive sells through online, telephone, mobile-app, and local-agent channels, supporting both direct and indirect customer acquisition.

Key facts

• Supplemental: Personal Lines Direct net premiums written for the month: $3,507 million. source