Updated September 28, 2026 · AssureCue Editorial Team
DZI vs Progressive
Where DZI and Progressive differ
| Compare |  DZI |  Progressive |
|---|---|---|
| Premium from | €5 | $75 |
| Insurance types | Auto, Home, Life, Health, Travel, Breakdown, Home emergency | Auto, Home, Renters, Life, Travel, Pet, Motorcycle, Breakdown, Gadget |
| Cover limit | Travel medical expenses limit EUR 5,000 to 50,000 | USD 5,000, 10,000 or 20,000 annual benefit |
| Claims channels | Phone, Online portal, Offices and service centres, Email | Phone, Online, App, Agent |
| Age range | 16 to 69 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- DZI scores higher overall: 9.4 vs 9.3.
- Founded is lower at Progressive: 1937 vs 1946.
- Insurance types: only DZI offers Health, Home emergency.
- Insurance types: only Progressive offers Renters, Pet, Motorcycle.
- Claims channels: only DZI offers Online portal, Offices and service centres, Email.
- Claims channels: only Progressive offers Online, App, Agent.
- Support channels: only DZI offers Email.
- Support channels: only Progressive offers Chat.
Our verdict on each
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
Progressive
Progressive suits households in the US who want auto, home, renters, life, travel and pet cover from a single insurer. Premiums start at $75 and monthly payments are available, so the appeal is breadth plus a bill spread across the year.
Score breakdown
| Area | DZI | Progressive |
|---|---|---|
| Cost | 9.2Higher | 8.7 |
| Offer | 9.5 | 9.5 |
| Trust | 9.6 | 9.6 |
How they place
| Ranking | DZI | Progressive |
|---|---|---|
| Car insurance | 71 of 375 | 95 of 375 |
| Home insurance | 56 of 273 | 80 of 273 |
| Life insurance | 54 of 263 | 79 of 263 |
| Travel insurance | 85 of 295 | 106 of 295 |
| Breakdown cover | 11 of 53 | 17 of 53 |
Where each is licensed and available
| Country | DZI | Progressive |
|---|---|---|
| United States | Not confirmed | California Department of Insurance (CP Pet Insurance Services, LLC) CA license #0N14138 Iowa Insurance Division (Companion Protect Agency, LLC) Iowa license #1002314428 Florida Department of Financial Services (Companion Protect Agency, LLC) FL License # L106403 |
Additional countries for DZI: 1. Additional countries for Progressive: 1.
Side by side, item by item
| Insurance types | DZI | Progressive |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Breakdown | Yes | Yes |
| Gadget | No | Yes |
| Home emergency | Yes | No |
What we checked
DZI
- dzi.bg: 12 facts, checked September 26, 2026
Progressive
- progressive.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | DZI | Progressive |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | DZI-General Insurance | Progressive Casualty Insurance Company |
| Headquarters | Bulgaria | United States |
| Founded | 1946 | 1937Lower |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Business insurance
| Fact | DZI | Progressive |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Property | Not confirmed |
Pros and cons
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
Progressive
Pros
- Cover spans auto, home and renters, so a household can hold several lines with a single provider.
- Claims can be opened through phone, online and app, including an agent and an app.
- Monthly payments are available and monthly is the only payment model listed, so the premium is paid in instalments.
Cons
- Pet cover pays USD 5,000, 10,000 or 20,000 annual benefit, so a costly year at the vet can outrun the payout.
- Support runs on phone, chat and help centre only, so email is not among the ways to reach the insurer.
- The listed licences are held in California, Texas, Iowa and Florida, so the agencies behind pet cover answer to state regulators, with Iowa license #1002314428 one example.
Who each suits
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
Progressive
Who it suits
- Households in the US that want several personal lines from a single provider rather than separate ones, with auto, home and renters on the list.
- Pet owners happy with USD 5,000, 10,000 or 20,000 annual benefit who pay monthly.
- Drivers and riders who like claiming through phone, online and app and having an agent as well as digital routes.
Who should look elsewhere
- Good Sam Insurance Agency, if health cover matters: its list runs to auto, home and renters while Progressive's stops at auto, home and renters.
- bunq, if you want a personal finance app that opens at €0 rather than personal lines.
Current offers
Progressive
Current offer
Discount code
Bundle and save an average of 5% on auto in most states: 5% average discount on auto when bundled with property
Average savings based on 6-month term and not available in all states.
Source, checked September 26, 2026
Discount code
Switch to Progressive and save: USD 975 average 12-month savings
National average 12-month savings (auto = $975, bundle = $1,099) by new customers surveyed who saved with Progressive between June 2025 and May 2026. Potential savings will vary.
Source, checked September 26, 2026
Country by country
| Country | DZI | Progressive |
|---|---|---|
| Bulgaria | Yes | No |
| United States | No | Yes |
Questions about each
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
Progressive
How much does Progressive cost?+
Cover starts at $75 for the year. That opening figure sits above the median of €8.37 across the brands on the site, so expect to pay more than a typical listing at the outset. What you actually pay depends on the line, the cover chosen and where you live.
What can I cover with Progressive?+
The list runs to auto, home and renters, so auto, home, renters, life, travel, pet, motorcycle, breakdown and gadget cover all come from the same provider. Progressive is an insurer rather than a broker, which keeps the policies with the company that pays the claim.