The Progressive Corporation (PGR) is one of the largest auto insurers in the United States, providing personal and commercial auto insurance as well as specialty lines. The company has nearly 27 million personal auto policies in force and distributes its products through independent insurance agencies across the US and Canada, along with direct sales via the internet and telephone. Its premium base is divided between the agency and direct channels. Progressive also offers commercial auto coverage and expanded into homeowners insurance through an acquisition completed in 2015.