More than 3.5 million policyholders across Illinois, Maryland, Colorado, Arkansas, Ohio, Tennessee, Nebraska, and Iowa are in line for lower premiums.

Progressive rate cut covers eight states, and if you’re one of the roughly 3.5 million drivers affected, your renewal bill is going down. The weighted average rate cut across all eight states is 4.75%, meaning the typical driver in this group will pay meaningfully less at their next renewal. That’s real relief at a time when most drivers have been absorbing year-over-year premium increases from carriers across the board.

The eight states in this wave are Illinois, Maryland, Colorado, Arkansas, Ohio, Tennessee, Nebraska, and Iowa. The earliest cuts took effect November 28, 2025, in Nebraska, and the latest will roll out July 3, 2026, in Tennessee. Each state has its own rate and effective date, so your specific savings depend on where you live and what your current premium looks like.

In dollar terms, Progressive is returning over $233 million in annual premium across these eight states combined. That figure comes from adding the written premium changes filed state by state: the cuts range from about $10.8 million returned to Nebraska drivers to more than $60.4 million returned to Ohio drivers. For an individual driver, a 5% cut on a $1,400 annual policy means roughly $70 back in your pocket per year.

The right move is still to shop. Rate cuts are good news, but they don’t guarantee Progressive will be the lowest price for your specific driver profile. Before your next renewal, pull quotes from at least two or three other carriers and compare them line by line against what Progressive will charge you after the cut takes effect. Shopping takes about 15 minutes and often saves drivers hundreds of dollars. Use the effective date for your state, listed in the section below, as your shopping deadline.

What's Changing Across States

Progressive rate cut filings cover eight states over a span of roughly eight months, starting in late 2025 and running through mid-2026. Here’s the full picture, state by state.

Nebraska is the first state where drivers see relief. Progressive filed a 5.4% rate cut covering 178,519 policyholders, effective November 28, 2025. The filing reduces written premium by approximately $10.8 million annually.

Colorado follows closely. Progressive filed a 5.433% cut covering 476,036 policyholders, effective December 10, 2025. The reduction pulls back about $58 million in annual premium across the state. That’s a significant cut in a state where drivers have seen steep increases over the past two years.

Ohio has the largest affected population in this bundle. Progressive filed a 3.5% rate cut covering 809,441 policyholders, effective December 19, 2025. In dollar terms, Ohio drivers collectively get back about $60.4 million in annual premium. Ohio’s cut is the smallest percentage-wise in this group, but because of the sheer number of policyholders, the aggregate savings top the chart.

Maryland comes next. Progressive filed a 6.28% cut covering 283,914 policyholders, effective February 12, 2026. That translates to roughly $26.1 million in returned annual premium. Maryland drivers get one of the larger percentage cuts in the bundle.

Illinois is one of the bigger states by policyholder count. Progressive filed a 5% rate cut covering 762,218 policyholders, effective February 27, 2026. The cut removes about $27.5 million from the annual premium pool in Illinois.

Arkansas has a 6.117% cut covering 203,937 policyholders, effective April 30, 2026. Premium goes down by roughly $16.2 million annually across the state. Arkansas has one of the steeper percentage cuts in the group, and drivers there should expect to see the difference show up clearly at renewal.

Iowa has a 4.342% cut covering 364,805 policyholders, effective May 19, 2026. The aggregate reduction in annual premium is approximately $14.9 million.

Tennessee closes out the bundle with a 4.3% cut covering 444,034 policyholders, effective July 3, 2026. Tennessee drivers get back roughly $20 million in annual premium. Because the effective date is the latest in the group, Tennessee drivers have the longest wait, but the cut is real and the filing is already approved.

All eight states move in the same direction: down. That’s notable because it takes sustained, multi-state coordination to file rate decreases simultaneously. Progressive is effectively saying its loss experience in these markets has improved enough to pass savings back to customers.

What This Means for You

Find your state in the list above, then do the math on your own policy. The percentages are averages across all drivers in that state filing, so your individual number will be a bit higher or lower depending on your vehicle, your driving record, and how your policy is structured. But the direction is the same for everyone in the affected group: your renewal premium goes down.

Here’s a simple way to estimate your savings. Take your current six-month premium and multiply it by your state’s cut percentage. If you’re in Illinois and pay $700 every six months, a 5% cut saves you about $35 per renewal period, or roughly $70 per year. In Maryland, the same $700 base with a 6.28% cut saves you about $44 per term, or $88 per year. In Colorado, a 5.433% cut on $700 saves about $38 per term. In Ohio, a 3.5% cut on $700 saves about $24.50 per term.

The savings are modest for any single driver, but they’re automatic. You don’t have to call Progressive. You don’t have to re-enroll in anything. The cut shows up in your renewal declaration page. When that page arrives, double-check the math and make sure the new premium reflects a number lower than what you paid the prior term.

If your renewal date falls before your state’s effective date, the cut likely won’t show up until the following renewal. For example, Tennessee drivers renewing before July 3, 2026, will see the old rate one more time. Nebraska and Colorado drivers whose policies already renewed after the effective dates there should already be paying the lower amount.

One thing to keep in mind: a rate cut doesn’t mean Progressive is necessarily the cheapest option in your market. Rate filings are filed and approved on a per-carrier, per-state basis, and another carrier may have cut deeper than the Progressive rate cut further, or may be starting from a lower base. The cut makes Progressive more competitive than it was before, but it doesn’t automatically make Progressive the best deal for your specific driver profile. That’s why shopping still matters, even when rates are going down.

If you have multiple vehicles on one policy, multiply your estimated per-vehicle savings by the number of cars. Families insuring two or three vehicles in Illinois, Ohio, or Colorado could be looking at $140 to $200 in annual savings without doing anything at all.

How the Progressive Rate Cut Compares

A Progressive rate cut at this scale are notable on their own. But what makes this bundle stand out is the breadth: eight states, more than 3.5 million policyholders, and over $233 million in returned premium, all moving in the same direction at roughly the same time. That’s not a routine adjustment. It signals that Progressive’s actuaries see improved loss ratios in these markets and believe they can price lower while still covering their expected claims.

For context, the broader auto insurance market spent most of 2023 and 2024 in a hardening cycle. Carriers across the industry filed increases to catch up with inflation in parts, labor, and medical costs after years of underpricing risk. Drivers saw back-to-back hikes from multiple companies. That cycle appears to be softening for at least some carriers in at least some states, and The Progressive rate cut is one of the clearer signs of that shift.

GEICO and State Farm have also made market-specific adjustments in recent months, though their filing patterns in these eight states differ from Progressive’s. Allstate has continued to file increases in certain states where it says its loss costs remain elevated. The specifics vary a lot by state, risk class, and carrier strategy, so a driver who got a big Allstate increase in Illinois last year may find that Progressive’s 5% cut in that same state now puts Progressive notably below their current carrier on price.

USAA is worth mentioning for military families in any of these eight states. USAA tends to price aggressively for eligible members, and if you qualify, it belongs in your comparison set regardless of what Progressive is doing.

The key point for a Progressive driver reading this article: your carrier is moving in a direction that benefits you right now. That’s not always true of the market as a whole. But that good news shouldn’t stop you from checking competitors, because insurance pricing is highly personal. A driver with a clean record in Nebraska might find that Progressive’s 5.4% cut cements them as the clear price leader. Another driver in the same ZIP code with a recent claim might find a competitor prices them better even after Progressive’s reduction.

The aggregate data across this bundle shows Progressive taking a clear, deliberate step toward lower prices in multiple markets at once. The eight-state Progressive rate cut represents a meaningful commitment, not a one-off Progressive rate cut adjustment in a single market.

Rate-filing data sourced from public SERFF filings. For state-level context on auto insurance premium trends, see the Insurance Information Institute’s state premium data.

How to Save on Insurance

If you’re in one of the eight states in this bundle, the most important first step is knowing your state’s effective date. Nebraska, Colorado, and Ohio cuts are already live. Maryland and Illinois cuts took effect in early 2026. Arkansas drivers see their cut on April 30, 2026, Iowa on May 19, 2026, and Tennessee on July 3, 2026. Three actions tied directly to what’s in these filings:

1. Shop before your next renewal, not after. Even with Progressive cutting rates, a competitor may still price your specific profile lower. Get at least two quotes from other carriers using the same coverage limits you carry now. Compare the final premium number, not just the rate change.
2. Review your current coverage limits when the new declaration page arrives. A lower premium is a good moment to make sure you’re not underinsured. If you’ve been carrying state-minimum liability limits to keep costs down, a small rate cut could free up budget to raise those limits meaningfully.
3. If you’re in a state where the cut is already live, check your most recent renewal paperwork now. If your policy renewed after the effective date in your state and your premium didn’t drop, call Progressive to confirm the new rate was applied correctly.
4. For more on how to compare auto insurance carriers and what to look for in a quote, see the IRG carrier review pages for Progressive and the state-by-state guides available on this site. Shopping takes 15 minutes and the savings can be substantial.