About Progressive Insurance

Progressive is now the number one auto insurance carrier in South Dakota and the number one carrier in the entire United States. Progressive Insurance operates throughout South Dakota, providing drivers with online services, local claims support, and access to independent insurance agents. That's not a title they earned overnight. Founded in 1937, Progressive spent decades building toward that position, and a few milestones along the way help tell the story. They became a publicly traded company in 1971, and in 1995 they launched the first major auto insurance website in the country, well before most companies were thinking seriously about the internet. By 2024, they had climbed to the top spot in U.S. auto insurance market share.

Over the past 23 to 25 years specifically, Progressive grew from a relatively small presence in the South Dakota region to the undisputed leader in the market, and it's easy to understand why when you look at what they bring to the table.

From the moment you get a quote to the moment a claim is fully resolved, Progressive has built their operation around one goal: making insurance as hassle-free and seamless as possible. Their technology is industry-leading, their claims network is one of the most expansive in the country, and they back all of it with a professional team that genuinely cares about getting clients taken care of quickly and fairly.

One more thing worth noting: Progressive has cut rates four times in the past 18 months. At a time when nearly everything costs more (groceries, gas, housing), Progressive is moving in the opposite direction. That kind of sustained rate relief is rare, and it's a big reason why more South Dakota drivers are choosing them.

Progressive Insurance Coverage Options

Progressive offers a wide range of insurance products to protect what matters most to you:

• Auto Insurance — This is where Progressive truly shines. Whether you're driving a newer vehicle with a loan, an older paid-off car, or something in between, Progressive offers flexible coverage options built around your situation and budget. Core coverage types include collision coverage for vehicle damage, comprehensive coverage for non-collision incidents like theft or weather, uninsured motorist and underinsured motorist protection, bodily injury and property damage liability, medical payments coverage, and personal injury protection (PIP). Progressive also offers roadside assistance, towing, rental reimbursement, and gap insurance for financed vehicles.

• Homeowners Insurance — Reliable and comprehensive protection for your home, paired seamlessly with your other policies.

• Renters Insurance — Affordable coverage for those who rent their home or apartment.

• Umbrella Policies — Extra liability protection that goes above and beyond your standard auto or home policy, which is critically important if you ever face a large claim.

• Commercial Auto Insurance — Progressive is a strong player in commercial auto, making them a solid option for business owners with vehicles on the road.

Auto insurance is Progressive's standout product, but their ability to bundle coverage across multiple policy types makes them a strong all-around choice for many clients.

Why Choose Progressive Near You in South Dakota

Being number one in South Dakota isn't just a statistic. It means Progressive has the local network, the resources, and the experience to take care of drivers and families right here in our state.

What that looks like in practice is a robust relationship with the major body shops across the region. At Aaron Smith Insurance Group, we've spent decades building direct points of contact at virtually every major body shop in the market. When you have a claim, we can call ahead, advocate for you, and help ensure your vehicle gets the attention it needs fast. About 95% of the body shops we work with have that kind of relationship with us, where a single phone call can cut through the noise and get things moving.

Progressive's contracts with major body shops also mean you're not left scrambling to find a repair facility that will work with your insurance. The network is there. The process is there. You just have to make the call, or better yet, let us make it for you.

What Makes Progressive Insurance Different

A few things set Progressive Insurance apart from the competition in a meaningful way.

Their technology actually works. Progressive has been leading on the technology front since 1995, and that culture of innovation shows up today in practical ways. Once you have the Progressive app set up, your insurance cards are always at your fingertips. No waiting for cards in the mail, no digging through your glove box during a traffic stop. Everything you need is right there, updated automatically. You can also file a claim online, track claim status in real time, submit photo estimates, and manage your account with paperless billing and automatic payments for added convenience.

Total loss claims are settled in 7 to 10 days. This might be the single most impressive operational advantage Progressive has. Many carriers rely on third-party appraisal companies to assess total loss vehicles, a process that can drag on for three, six, even nine months with back-and-forth that never seems to end. Progressive handles total loss claims in-house with dedicated claim adjusters who provide damage assessment and estimates, which allows them to move quickly and get clients paid so they can move on with their lives. If you total your boat in the spring, you shouldn't have to spend the whole summer waiting on a check. With Progressive, you typically don't have to.

Going through an agent means no hold times. One of the most frustrating parts of dealing directly with a large insurance company is getting stuck on hold, navigating phone trees, and feeling like you're talking to a machine. When you're a client of Aaron Smith Insurance Group, you never have to do that. You receive personalized service from licensed agents who explain coverage options clearly and help you customize your policy. You send it to us and we handle it. That's the agent advantage, and it costs you nothing extra.

Rate decreases, not increases. While other carriers continue raising rates, Progressive has cut rates four times in the past 18 months. In the current economy, that kind of sustained affordability is a genuine differentiator.

When We Recommend Progressive

Progressive is one of the first carriers compare and evaluate for nearly every client, and that's saying something given that we work with over 200 insurance companies. Right now, they represent the best combination of competitive pricing, strong claims service, and financial stability we've seen in the market.

That said, every client is unique. Every carrier uses a different formula to assess risk, which means one company might view your profile as higher risk while another prices you very favorably for the exact same history. That's why working with an independent agency matters. We run your information across our full portfolio and find the carrier that appreciates you the most, and right now, Progressive is winning that comparison for a significant number of our clients.

The rate relief they've provided is real and meaningful for families feeling the squeeze everywhere else. If you're currently with a carrier that's raised rates on you recently, it's worth a conversation.

Why Go Through Aaron Smith Insurance Group for Your Progressive Quote?

You can go directly to Progressive. But here's why that's worth thinking twice about.

You may be leaving money on the table. Even clients who are already with Progressive often get a better rate when they come through us. When people shop on their own, they frequently miss available discounts or don't structure their policy in the most advantageous way. Common discounts include multi-policy discount for bundling home and auto, safe driver discount for clean driving records, good student discount for qualifying students, military discount for service members and veterans, and homeowner discount. About 90% of the time, we find savings for people who already thought they had a great deal.

You may not have the right coverage. This is the bigger issue. It's one thing to get a low premium rate. It's another thing entirely to find out after a $100,000 accident that your policy only covers a fraction of it. Understanding coverage limits, deductible amounts, and policy exclusions is critical to avoiding claim denial or unexpected out-of-pocket costs. We make sure your coverage is built correctly from the start, so that on your worst day, the insurance is actually there to cover what it's supposed to. Most people who shop on their own don't realize they may have unknowingly left themselves exposed to paying tens of thousands of dollars out of pocket.

We go to bat for you at claim time. Aaron personally gets on the roof during every hail reinspection, every single one, to make sure clients are treated fairly. When a total loss settlement comes in, we review it. When something doesn't look right, whether it's a wrong vehicle model on file or missing accessories that should have been factored in, we push back on your behalf. That kind of hands-on advocacy doesn't happen when you're managing a policy through a 1-800 number.

Client Story: The Refund Nobody Knew What to Do With

Recently, an elderly client switched carriers through our office and received a $2,000 refund check directed toward their mortgage escrow account. They weren't sure what to do with it. Routing a refund through a mortgage company isn't exactly everyday territory. Aaron drafted the letter for them, filled in the mortgage company's information and loan number, and the client simply had to print, sign, and send. That's the kind of detail-oriented service that makes a real difference, especially for clients who find insurance confusing, which honestly is most people.

Get a Progressive Quote Through Aaron Smith Insurance Group

Ready to see what Progressive can do for you? Contact Aaron Smith Insurance Group for a free, no-pressure quote. We'll shop your coverage across our full network, make sure you're properly protected, and handle the details from start to finish. Our responsive, full-service team provides transparent guidance to help you qualify for the best rates and enroll in coverage that truly protects you.

Aaron Smith Insurance Group
4300 S Louise Ave Unit 100
Sioux Falls, SD 57106
Phone: (605) 250-3702
Open 24 Hours

Review:
★★★★★ “Awesome to work with! Quick to quote and great coverage for the cost. Thanks for all your help with our rental property!”
– Jared K.

Read more reviews on Google.