Exhibit No. 32(B)

     CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      I, W. Thomas Forrester, Vice President and Chief Financial Officer, of The
Progressive Corporation (the "Company"), certify, pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

      (1) the Quarterly Report on Form 10-Q of the Company for the period ended
      June 30, 2004 (the "Report"), which this certification accompanies, fully
      complies with the requirements of section 13(a) or 15(d) of the Securities
      Exchange Act of 1934 (U.S.C. 78m or 78o(d)); and

      (2) information contained in the Report fairly presents, in all material
      respects, the financial condition and results of operations of the
      Company.

/s/ W. Thomas Forrester
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W. Thomas Forrester
Vice President and Chief Financial Officer
August 9, 2004

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