Progressive Added New Auto Deductibles in North Carolina: $750, $1,500 and $2,000
More ways to set your collision and comprehensive deductible, and a quick way to decide whether a higher one makes sense for you.
By Bill Layne, licensed NC agent since 2005Published October 23, 20264 min read
Progressive’s carrier notice lists three new choices alongside four existing options. The $750 option sits between $500 and $1,000, while $1,500 and $2,000 provide higher choices. The notice does not give an effective date, so ask which options are currently available for your vehicle and policy.
What Changed With Progressive Deductibles in NC?
The carrier notice lists these seven deductible levels for collision and comprehensive coverage on North Carolina personal auto policies. Availability and policy terms apply:
| Deductible | Status |
|---|---|
| $100 | Existing |
| $250 | Existing |
| $500 | Existing |
| $750 | New |
| $1,000 | Existing |
| $1,500 | New |
| $2,000 | New |
Collision and comprehensive deductibles can be selected separately, subject to available options. Comprehensive generally addresses covered events such as theft, hail and animal collisions. Glass treatment can depend on your policy. For an overview of the carrier, see our Progressive insurance guide for North Carolina.
How Does a Deductible Affect Your Premium?
- Deductible
- Your share of a covered collision or comprehensive loss, generally deducted from the claim payment. Policy limits, exclusions and settlement terms still apply. Liability coverage generally has no deductible.
A higher deductible generally means a lower premium for that coverage, with more out of pocket after a covered loss. The actual difference depends on your policy. Compare quotes with the same drivers, vehicles, limits and other coverages; do not assume one step produces a particular saving. Also compare the deductible with your vehicle’s actual cash value.
Rule of thumb: never choose a deductible you couldn’t pay tomorrow. Before selecting $2,000, consider whether you could comfortably cover that amount after a loss.
Who Should Consider the New Options?
$750: the “$500 felt too low” crowd
An intermediate choice to compare if $500 feels low and $1,000 feels high. Check the actual premium difference and, if the car is financed or leased, your lender’s deductible requirements.
$1,500 or $2,000: paid-off vehicles and solid savings
These choices may be worth comparing if you can comfortably absorb a larger share of a covered loss. A paid-off vehicle is not automatically a reason to raise the deductible: on a lower-value car, a high deductible can leave a small potential claim payment.
Who should stay low
A lower deductible may fit households that would struggle with a larger repair bill. A lease or loan may set a maximum deductible. Check the actual contract and consider all drivers’ needs rather than assuming a particular amount fits everyone.
Already with Progressive? Ask us to compare available deductible choices.
Call 336-835-1993Frequently Asked Questions
Can I change my Progressive deductible mid-policy?
You can generally request a deductible change during the policy term. Confirm the available options, premium adjustment and approved effective date with your agent or Progressive. A change may not take effect immediately and does not change the terms that applied to an earlier loss.
Do the new deductibles apply to liability coverage?
No. This announcement concerns collision and comprehensive, also called other than collision. Liability coverage generally has no deductible. Other coverages can have separate deductible rules, so review your policy.
Can my collision and comprehensive deductibles be different?
Yes, subject to available policy options. You can compare separate amounts for collision and comprehensive based on the premium difference, your budget and any lender requirements.
Will my lender allow a two-thousand-dollar deductible?
That depends on your loan or lease agreement. A lender may require collision and comprehensive coverage with a specific maximum deductible. Check the contract or ask the lender before requesting a higher amount.
Do other NC carriers offer these levels?
Deductible options vary by carrier and policy. As an independent agency, we can compare available choices with carriers we represent, including Progressive, Nationwide, Travelers and National General.
Does this announcement change my current deductible?
The notice announces additional choices. Check your current declarations to see the deductible selected for each vehicle and coverage. Ask your agent to confirm any requested change and its effective date.
Sources and review notes
Facts reviewed October 23, 2026. The new North Carolina amounts come from Progressive’s carrier notice, “New Deductible Options for Personal Auto in North Carolina,” supplied to our agency. The notice does not state an effective date. The following Progressive resources support the general deductible guidance:
- Progressive: collision deductibles and change timing
- Progressive: comprehensive deductibles and vehicle value
- Progressive: policy changes and lender requirements
This article was prepared with AI assistance and checked against the carrier notice and the sources above. The hero is an AI-generated illustration. See our editorial policy.
General educational information for North Carolina residents, not legal advice, a coverage determination or an offer of insurance. Deductible availability and pricing are set by the carrier and subject to change. Coverage and eligibility vary by underwriting.