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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 G0/Xlz01wbzMQYoDeejLOGEVMb6tRMplsdtr+BOBt/2Gi6E+dK9GCr4CU9RjEkLf
 LoVhaX4x1Y/r5qNRnLFV/A==

<SEC-DOCUMENT>0000080661-03-000092.txt : 20030702
<SEC-HEADER>0000080661-03-000092.hdr.sgml : 20030702
<ACCEPTANCE-DATETIME>20030701175912
ACCESSION NUMBER:		0000080661-03-000092
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030630
FILED AS OF DATE:		20030702

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROGRESSIVE CORP/OH/
		CENTRAL INDEX KEY:			0000080661
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				340963169
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		6300 WILSON MILLS RD
		CITY:			MAYFIELD VILLAGE
		STATE:			OH
		ZIP:			44143
		BUSINESS PHONE:		4404615000

	MAIL ADDRESS:	
		STREET 1:		6300 WILSON MILLS RD
		CITY:			MAYFIELD VILLAGE
		STATE:			OH
		ZIP:			44143

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LEWIS PETER B
		CENTRAL INDEX KEY:			0000900675
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-09518
		FILM NUMBER:		03769099

	BUSINESS ADDRESS:	
		STREET 1:		6300 WILSON MILLS ROAD
		CITY:			MAYFIELD VILLAGE
		STATE:			OH
		ZIP:			4414344674
		BUSINESS PHONE:		2164467471

	MAIL ADDRESS:	
		STREET 1:		PROGRESSIVE CORP
		STREET 2:		6300 WILSON MILLS RD
		CITY:			MAYFIELD VALLAGE
		STATE:			OH
		ZIP:			44143
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>f4forpbl1.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0101</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2003-06-30</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000080661</issuerCik>
        <issuerName>PROGRESSIVE CORP/OH/</issuerName>
        <issuerTradingSymbol>PGR</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000900675</rptOwnerCik>
            <rptOwnerName>LEWIS PETER B</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chairman of Board</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeSecurity>
        <securityTitle>
            <value>Phantom Stock Unit</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>0.00</value>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-06-30</value>
        </transactionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>A</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionAmounts>
            <transactionShares>
                <value>205.1983</value>
            </transactionShares>
            <transactionValue>
                <value>73.10</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>1988-08-08</value>
            <footnoteId id="F1"/>
        </exerciseDate>
        <expirationDate>
            <value>1988-08-08</value>
            <footnoteId id="F1"/>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>205.1983</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>205.1983</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <footnotes>
        <footnote id="F1">The phantom stock units will be distributed in cash at the
time elected by the reporting person, subject to the
vesting provisions of the Plan.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>David M. Coffey, by Power of Attorney</signatureName>
        <signatureDate>2003-07-01</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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