Progressive Drive Insurance Florida
Drive Insurance is Progressive’s California-only brand for the independent agency channel. In Florida, the same coverage is sold under the Progressive name. A Plus Insurance is an appointed Progressive independent agent serving Florida drivers.
Last updated: April 28, 2026 · First-party data since April 2024, updated continuously
Get your Florida Progressive quote now Call (888) 445-2793
Quick answer: Yes, you can get the exact coverage Drive Insurance customers buy in California, but in Florida it’s sold under the Progressive name through independent agents. A Plus Insurance is an appointed Progressive independent agent serving Florida, including same-day FR-44 filing.
About this page
A Plus Insurance is a licensed independent brokerage and an appointed Progressive agent serving Florida. We compare Progressive against 8+ other carriers including National General, Mendota, Bristol West, Dairyland, Gainsco, and Foremost.
What Is Drive Insurance from Progressive?
Drive Insurance was launched by Progressive in September 2004 as a distinct brand for the independent insurance agency channel. From 2004 through 2007, Drive Insurance was sold by independent agents across most US states. In 2007, Progressive consolidated its brand strategy. Outside California, the Drive Insurance label was retired and existing policies were rebranded under the Progressive name.
California was the exception. Progressive West Insurance Company kept the Drive Insurance brand alive for products sold through California independent agents. In Florida, like 48 other states, the same coverage is sold under the Progressive name.
What Drive Insurance Is Called in Florida
| Feature | Drive Insurance (California) | Progressive (Florida) |
|---|---|---|
| Underwriting carrier | Progressive West Insurance Company | Progressive (Florida affiliates) |
| Distribution channel | Independent insurance agents | Independent agents (A Plus Insurance) and Progressive Direct |
| Coverage types | Auto liability, full coverage, SR-22, non-owner | PIP, PDL, BIL, full coverage, FR-44, non-owner, motorcycle |
| State framework | Tort (fault) state | No-fault state, PIP-based |
| Claims service | Progressive Claims | Progressive Claims |
| Brand label on policy | “Drive Insurance” | “Progressive” |
Carrier rates by coverage type
- Pricing ranges from $147.43 (Liability Only) to $161.03 (Full Coverage) ... a spread of $13.60.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $154.23. The spread is about 9% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
Progressive Coverage in Florida: What It Costs
Progressive is A Plus Insurance’s highest-volume carrier in 2026. Florida is a major market with quotes spanning South Florida, Central Florida, the Tampa Bay area, and North Florida.
Marion County (Ocala)
$188
Average Progressive monthly premium in our Marion County data. Central Florida market with retiree-heavy demographic.
South Florida (Miami-Dade, Broward)
$180-280
Highest Florida averages. High traffic density, fraud-related rate factors, and dense urban risk profile.
Tampa / Orlando / Jacksonville
$130-200
Mid-range Florida averages. Lower than South FL but still affected by traffic and uninsured driver rates.
North/Panhandle Florida
$100-160
Lower averages, reflecting smaller markets and lower traffic density. Tallahassee, Pensacola, Gainesville.
For ZIP-level data and county-specific carrier comparisons:
- Florida auto insurance hub (statewide)
- Florida insurance quotes
- Marion County (Ocala) auto insurance
- Duval County (Jacksonville) auto insurance
- Broward County (Fort Lauderdale) auto insurance
- Hillsborough County (Tampa) auto insurance
Florida-specific note: Florida is a no-fault state. State minimum coverage is PIP $10,000 and Property Damage Liability $10,000. Florida does not require Bodily Injury Liability at the state minimum (one of only two states without this requirement). Many Florida drivers add Bodily Injury Liability of 100/300 for protection beyond the no-fault baseline.
Liability only vs full coverage by company
AssuranceAmerica
Progressive
(from TurboRater)
Across these carriers, liability only averages $163.11 per month, while full coverage averages $171.50. The largest gap in this view is $86.83 for AssuranceAmerica.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
Why an Independent Agent Matters in Florida
We compare 8+ carriers
Progressive is the right answer for many Florida profiles, but Florida non-standard carriers like Gainsco, Mendota, Bristol West, and Dairyland often beat Progressive for FR-44 and SR-22 profiles.
FR-44 same-day filing
We file FR-44 with the Florida DMV same-day in most cases. FR-44 typically requires higher coverage limits than SR-22 and is unique to Florida and Virginia.
Same Progressive product, broker pricing
When Progressive IS the right answer, the rate through A Plus is identical to Progressive Direct.
Get a Progressive quote in Florida, same coverage Drive Insurance customers buy in California.
Get your Florida Progressive quote now Call (888) 445-2793Florida Minimum Insurance Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | Your own medical expenses regardless of fault |
| Property Damage Liability (PDL) | $10,000 | Damage you cause to others’ property |
Florida is a no-fault state. PIP covers your medical expenses after an accident regardless of who was at fault. Florida is one of only two states that does not require Bodily Injury Liability at the state minimum. Many Florida drivers add 100/300 Bodily Injury Liability for protection against lawsuits. For drivers needing FR-44, see our SR-22 states overview.
Frequently Asked Questions
Is Drive Insurance the same as Progressive?
Yes. Drive Insurance is a brand owned by Progressive and used for personal auto policies sold through independent agents in California.
Who owns Drive Insurance?
Progressive Corporation. Drive Insurance was launched by Progressive in 2004 as a brand for the independent agency channel.
Is Drive Insurance still in business?
Yes, in California only. Outside California, the brand was retired in 2007 and the same coverage was rebranded as Progressive.
Did Drive Insurance go out of business?
No. Drive Insurance is still active in California. Outside California, the brand was retired in 2007 but the underlying carrier, coverage, and claims service continued without interruption.
What happened to Drive Insurance from Progressive?
In 2007, Progressive consolidated its brand strategy. Outside California, the Drive Insurance label was dropped and policies were rebranded under the Progressive name.
When did Drive Insurance start?
September 2004. Progressive launched Drive Insurance as a distinct brand for the independent insurance agency channel.
Why is Drive Insurance only in California?
In 2007, Progressive consolidated the Drive Insurance brand. Progressive West Insurance Company kept the Drive Insurance name for policies sold through California independent agents.
What’s the difference between Progressive Direct and Drive Insurance?
Both are Progressive products with different distribution channels. Progressive Direct is sold directly to consumers. Drive Insurance is sold through independent insurance agents in California.
What does Progressive Drive on my older policy documents mean?
Between 2004 and 2007, Progressive marketed its independent-agency auto product under the Progressive Drive name. After the 2007 consolidation, those policies were rebranded simply as Progressive.
Can I get Drive Insurance in Florida?
Not by the Drive Insurance brand name. In Florida, the same product line is sold under the Progressive name through independent agents. A Plus Insurance is appointed to sell Progressive in Florida.
What does Progressive cost in Florida?
Progressive averages roughly $100 to $250/mo in Florida. Marion County (Ocala) averaged $188/mo Progressive in our data. South Florida metros (Miami-Dade, Broward) typically run higher than central or north Florida.
Is A Plus Insurance authorized to sell Progressive in Florida?
Yes. A Plus Insurance is a licensed independent insurance agency appointed to write Progressive auto policies in Florida.
Where can I get a Progressive Drive quote in Florida?
Through any independent insurance agent appointed by Progressive. A Plus Insurance is one option. Quote online at learnandserve.org/vipquote or call 888-445-2793.
Does Progressive serve Miami, Orlando, Tampa, and Jacksonville?
Yes. Progressive writes auto insurance across all major Florida metros: Miami-Dade, Broward, Palm Beach, Orlando, Tampa-St. Pete, Jacksonville, Tallahassee, and Fort Myers.
Why does Florida have different minimum insurance requirements?
Florida is a no-fault state. State minimums are PIP $10,000 and Property Damage Liability $10,000. Florida does not require Bodily Injury Liability at state minimum (one of only two states without this requirement).
Is Drive Insurance cheaper than regular Progressive?
No. Drive Insurance and Progressive use the same actuarial pricing model. Same carrier under different brand labels.
What’s the difference between Progressive Drive and Progressive Snapshot?
Two different things. Progressive Drive is a brand name. Progressive Snapshot is a telematics program.
How do I file a claim with Drive Insurance?
Drive Insurance claims are handled by Progressive Claims. File at 1-800-PROGRESSIVE (1-800-776-4737).
Are Progressive Drive Insurance reviews good?
Progressive holds an A+ rating from AM Best for financial strength.
Can I get an SR-22 with Progressive in Florida?
Florida technically uses FR-44 instead of SR-22 for most filings. Progressive can file FR-44 certificates with the Florida DMV, and we can submit the filing same-day in most cases.
Can I bundle home or renters insurance with Progressive in Florida?
Yes. Progressive offers multi-policy bundling discounts. Bundling typically saves 10 to 25% on auto premiums.
Can I get non-owner insurance through Progressive in Florida?
Yes. Progressive writes non-owner policies in Florida.
Can A Plus also quote me against Progressive, not just for it?
Yes. As an independent agency we compare Progressive against 8+ other carriers we represent.
What is Florida’s minimum auto insurance requirement?
Florida requires PIP $10,000 and Property Damage Liability $10,000. Florida is a no-fault state and does not require Bodily Injury Liability at state minimum.
More from A Plus Insurance
- Progressive insurance overview: Our hub for everything Progressive across every state we serve
- Auto insurance hub: Coverage options, state-by-state requirements, and how to compare carriers
- Insurance providers we represent: Full list of carriers we compare alongside Progressive
- SR-22 states overview: Where we file SR-22 / FR-44 certificates and what each state requires
Get a Drive-Equivalent Quote in Florida
Drive Insurance is a Progressive brand that exists in California only. In Florida, the same Progressive coverage is sold through independent agents like A Plus.
Get your Florida Progressive quote nowOr call 888-445-2793
Last Updated on by Jayleen Ridgeway