Progressive Insurance Claims South Dakota
Progressive Insurance Claims in South Dakota
From icy highways in Rapid City to hailstorms in Sioux Falls, South Dakota residents face unique risks that make reliable insurance coverage essential. Whether you’ve had a fender bender, storm damage, or a cracked windshield, knowing how to navigate Progressive’s claims process can make your life a lot easier.
This guide breaks down everything South Dakota drivers and homeowners need to know about filing and managing a Progressive insurance claim.
How to File a Progressive Insurance Claim
Progressive makes it easy to start your claim in South Dakota through several convenient options:
Online: Visit Progressive.com
Mobile App: Upload photos, track progress, and message support
By Phone: Call 1-800-776-4737, available 24/7
Through a Local Agent: Work with a Progressive agent in Sioux Falls, Rapid City, or anywhere across the state
🕒 Tip: Using the app can help speed up the process—especially for glass-only or minor collision claims.
Progressive Claims Contact Information
Here’s how to reach Progressive for help in South Dakota:
24/7 Claims Hotline: 1-800-776-4737
Roadside Assistance: 1-800-776-2778
Glass Repairs: Call the claims line and follow the prompts
Find a Local Agent: Use Progressive’s Agent Locator Tool
Types of Claims You Can File with Progressive
Progressive supports a wide range of claims in South Dakota, including:
Auto accident claims (liability, collision, uninsured motorist)
Windshield and glass-only claims (common on rural highways)
Comprehensive claims (hail, deer, theft, fire, vandalism)
Motorcycle, RV, and boat insurance claims
Homeowners and renters claims
Storm and weather-related property claims
💡 Important: South Dakota’s exposure to snow, ice, and hail makes comprehensive coverage particularly important.
Timeline: How Long Do Progressive Claims Take?
Here’s a general timeline for Progressive claims in South Dakota:
Filing the claim: Instant via app, online, or phone
Inspection & estimate: Usually within 1–3 business days
Repair scheduling: 2–5 business days depending on location/shop
Claim resolution: Typically 7–14 business days
Some hail or severe storm claims may take longer, especially in peak seasons.
Progressive Insurance Claims Process
Progressive’s claim process is designed to be smooth and transparent:
Report the claim using the app, online, or by phone
Upload damage photos or schedule an inspection
Receive an estimate from Progressive or your chosen shop
Approve and schedule repairs or accept a settlement
Progressive finalizes and closes the claim
In some South Dakota areas, Progressive’s Concierge Claims Service may be available to simplify the entire process.
Local Repair Shops and Body Shops Approved by Progressive
Progressive’s Direct Repair Program (DRP) includes trusted body shops throughout South Dakota that meet the company’s service and quality standards:
Abra Auto Body – Sioux Falls, Brookings, Mitchell
Caliber Collision – Rapid City, Sioux Falls
Gerber Collision & Glass – Watertown, Spearfish
Independent DRP shops across the state
✅ DRP shops often offer lifetime guarantees and handle the paperwork directly with Progressive.
What to Expect from a Progressive Claims Adjuster
Progressive adjusters in South Dakota are trained to:
Review your policy and deductibles
Inspect the damage in person or virtually
Determine who’s at fault (if applicable)
Communicate with your chosen shop
Finalize repairs or payout recommendations
🔍 Minor claims may be handled entirely through the app, without a physical visit.
Common Reasons Progressive Claims Get Denied
Even with valid coverage, some claims may be denied due to:
Inactive or lapsed policy at the time of the incident
Unlisted or excluded driver involved in the claim
Delayed claim filing beyond acceptable time limits
Insufficient documentation or photos
Lack of appropriate coverage (e.g., flood damage without comprehensive)
A local agent can help you understand the reason for a denial and assist with appeals.
Customer Reviews of Progressive’s Claims
South Dakota customers often report:
✅ Positive Experiences:
Easy app-based filing
Fast response for windshield and minor auto claims
Good communication from local adjusters
⚠️ Common Complaints:
Delays during hail season
Disputes over vehicle valuations after total loss
Rate increases after filing a claim
Reading reviews by city (e.g., Sioux Falls, Rapid City) provides helpful insight.
State Laws That May Impact Your Claim
South Dakota laws can influence how Progressive handles your claim:
Modified Comparative Negligence Rule: You must be less than 50% at fault to recover damages
Right to Choose Repair Shop: You can use any licensed body shop—not just DRP partners
No State-Mandated Glass Deductible Waiver: You’ll need to carry full glass coverage for zero out-of-pocket
Statute of Limitations: You generally have 3 years to file for personal injury and 6 years for property damage
Understanding these laws helps protect your rights throughout the process.
How a Local Insurance Agent Can Help With Your Claim
A South Dakota-based Progressive agent can assist you by:
Helping file and track your claim
Clarifying your policy terms and coverages
Coordinating with trusted repair facilities
Assisting with denied claims or slow responses
Exploring policy changes post-claim to save money
Need Help With a Progressive Claim in South Dakota?
Blake Insurance Group supports clients across Sioux Falls, Rapid City, Aberdeen, and beyond. From filing to final payout, we help you navigate Progressive’s process with confidence. Contact us today for local support that puts your needs first.
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Explore OptionsFrequently Asked Questions
How do I file a Progressive Insurance claim in South Dakota?
You can file a claim online at Progressive.com, through the mobile app, by calling 1-800-776-4737, or by contacting a local South Dakota Progressive insurance agent.
How long does it take for Progressive to process a claim in South Dakota?
Most claims are processed within 7–14 days. Glass and small claims may resolve quicker, while hail or total-loss claims may take longer during peak storm seasons.
What types of claims can I file with Progressive in South Dakota?
You can file claims for auto, RV, home, motorcycle, windshield, storm damage, theft, fire, vandalism, renters insurance, and more.
Can I choose my own repair shop in South Dakota?
Yes. South Dakota law allows you to choose any licensed repair shop, even if it’s not part of Progressive’s Direct Repair Program (DRP).
Why might Progressive deny a claim in South Dakota?
Common reasons include an expired policy, unlisted driver, late filing, missing documentation, or uncovered damages (like flood damage without comprehensive).
How do I contact Progressive for claims support in South Dakota?
Call 1-800-776-4737 or use Progressive’s Agent Locator to find a nearby South Dakota agent.
What does a Progressive claims adjuster do in South Dakota?
The adjuster assesses damage (in-person or virtually), confirms policy coverage, helps determine fault, and coordinates repair estimates and payments.
What South Dakota laws might affect my Progressive claim?
South Dakota uses a modified comparative fault system (must be less than 50% at fault to recover). You have the right to choose your repair shop, and most claims must be filed within 3–6 years depending on type.
What are Progressive’s reviews like in South Dakota?
Positive reviews mention fast glass repairs and helpful adjusters. Complaints may include delays during hail season or disputes over total-loss settlements.
Can a local South Dakota agent help with my Progressive claim?
Absolutely. A local agent can help you file a claim, review your coverage, recommend body shops, and assist with appeals or disputes if needed.

Blake Nwosu
Owner & Principal Agent
Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.
License: 16117464
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
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