---
schema_version: "secwatch.filing_event.v1"
accession: "0000080661-23-000043"
form_type: "8-K"
ticker: "PGR"
cik: "0000080661"
company_name: "PROGRESSIVE CORP/OH/"
filed_at: "2023-08-16T23:59:59+00:00"
generated_at: "2026-06-11T08:58:50.767743+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Progressive July NPW +21% to $5.95B, net income -12% to $604M, combined ratio 90.6

## Summary
- Net premiums written $5.95B (+21% YoY); net premiums earned $5.65B (+20%).
- Net income $604M (-12% YoY); diluted EPS $1.02 (-13% from $1.17).
- Combined ratio 90.6 vs 89.8 (up 0.8 pts); net catastrophe loss ratio 3.2%.
- Total policies in force 29.6M (+11% YoY); personal auto policies 19.6M (+14%).
- Calendar discrepancy boosted personal auto written premium growth ~3% in July; accounting calendar change planned Q4 2023.

## SEC filing metadata
- accession: 0000080661-23-000043
- form_type: 8-K
- ticker: PGR
- cik: 0000080661
- company_name: PROGRESSIVE CORP/OH/
- filed_at: 2023-08-16T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/80661/000008066123000043/0000080661-23-000043-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066123000043/pgr-20230816.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-23-000043
- JSON: https://secwatch.observer/filing/0000080661-23-000043.json
- Plain text: https://secwatch.observer/filing/0000080661-23-000043.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.