Key Takeaways Personal auto drives 75% of PGR's total premiums and is key to the insurer's overall profitability. Tech-driven underwriting, rate hikes and lower accident frequency support personal auto strength. Estimates for PGR's 2025 and 2026 EPS have moved higher, reflecting growth momentum in personal auto.The Progressive Corporation (PGR) is seen as a leader in product, service and distribution innovation, especially in personal auto. The Personal Auto segment, part of its larger Personal Lines divi ...