---
schema_version: "secwatch.filing_event.v1"
accession: "0000080661-23-000053"
form_type: "8-K"
ticker: "PGR"
cik: "0000080661"
company_name: "PROGRESSIVE CORP/OH/"
filed_at: "2023-12-15T23:59:59+00:00"
generated_at: "2026-06-07T12:21:19.757027+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Progressive Nov 2023 net income $680.6M, combined ratio 91.1%, policies up 8% YoY

## Summary
- Net premiums written of $4.73B, net premiums earned of $5.08B for November 2023.
- Diluted EPS of $1.15; YTD diluted EPS $5.05.
- Companywide policies in force grew 8% YoY to 29.58 million.
- Current month combined ratio improved to 91.1% from 92.2% a year ago.
- Calendar conversion may affect monthly comparisons Oct 2023–Sep 2024, but quarterly/annual impact not material.

## SEC filing metadata
- accession: 0000080661-23-000053
- form_type: 8-K
- ticker: PGR
- cik: 0000080661
- company_name: PROGRESSIVE CORP/OH/
- filed_at: 2023-12-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/80661/000008066123000053/0000080661-23-000053-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066123000053/pgr-20231215.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-23-000053
- JSON: https://secwatch.observer/filing/0000080661-23-000053.json
- Plain text: https://secwatch.observer/filing/0000080661-23-000053.txt

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