Initial Statement of Beneficial Ownership (Form 3)

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * CURTIS JAMES C 2. Date of Event Requiring Statement (Month/Day/Year) 10/18/2026 3. Issuer Name and Ticker or Trading Symbol PROGRESSIVE CORP/OH/ [PGR] (Last) (First) (Middle) 300 N. COMMONS BLVD. 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Personal Lines President 5. If Amendment, Date Original Filed (Month/Day/Year) (Street) MAYFIELD VILLAGE, OH 44143 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Common 4,291.163 D Common 1,569.094 I 401(k) Plan

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Deferred Comp Unit	(1)	(2)	Common	1,458.124	(3)	D
Restricted Stock Unit	(4)	(2)	Common	4,078.048	(5)	D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
CURTIS JAMES C 300 N. COMMONS BLVD. MAYFIELD VILLAGE, OH 44143			Personal Lines President

Signatures

/s/ Allyson L. Bach, By Power of Attorney		10/26/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Deferred compensation units relating to annual cash incentive awards and units acquired upon the reinvestment of dividend equivalents will both be paid out in cash at the time elected by the reporting person, or such other time determined in accordance with the applicable deferral plan. Deferred compensation units relating to restricted stock unit awards will be paid out in Common Shares at the time elected by the reporting person, or such other time determined in accordance with the applicable deferral plan.
(2)	Expiration Date is the same as the Date Exercisable.
(3)	1 for 1
(4)	Represents time-based restricted stock units granted to the reporting person by the issuer between 2022 and 2026 plus accrued dividend equivalents since the grant date. Subject to the terms of the applicable plan and award agreements, each award vests in three roughly equal installments in the third, fourth and fifth January following the date of grant, subject to earlier vesting or forfeiture in accordance with the plan and the award agreement. The following number of units are scheduled to vest on the following dates: 1/19/2027 - 1,204.984; 1/18/2028 - 990.066; 1/16/2029 - 923.34; 1/15/2030 - 613.1730; and 1/21/2031 - 346.485.
(5)	Each Restricted Stock Unit represents a contingent right to receive one Common Share of the Company's stock.

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