EXHIBIT 23.1









                       CONSENT OF INDEPENDENT ACCOUNTANTS


To the Board of Directors and Shareholders,
The Progressive Corporation

We hereby consent to the incorporation by reference in this Registration
Statement on Form S-3 of our report dated January 24, 2001 relating to the
consolidated financial statements, which appears in the 2000 Annual Report to
Shareholders, which is incorporated by reference in The Progressive
Corporation's Annual Report on Form 10-K for the year ended December 31, 2000.
We also consent to the incorporation by reference of our report dated January
24, 2001 relating to the financial statement schedules, which appears in such
Annual Report on Form 10-K. We also consent to the references to us under the
headings "Experts" in such Registration Statement.


                         /s/ PricewaterhouseCoopers LLP

Cleveland, Ohio
November 16, 2001