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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                   ----------

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934


       Date of Report (Date of earliest event reported) November 18, 1999
                                                        -----------------


                           THE PROGRESSIVE CORPORATION
                           ---------------------------
             (Exact name of registrant as specified in its charter)



     Ohio                            1-9518                        34-0963169
- ---------------                 ----------------                 --------------
(State or other                 (Commission File                  (IRS Employer
jurisdiction of                      Number)                     Identification
 incorporation)                                                        No.)



              6300 Wilson Mills Road, Mayfield Village, Ohio 44143
              -----------------------------------------------------
               (Address of principal executive offices) (Zip Code)


         Registrant's telephone number, including area code 440-461-5000
                                                           ---------------



                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)


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Item 5.           Other Events.

On November 18, 1999, The Progressive Corporation (the "Company") issued a News
Release concerning the appointment of certain senior officers and the
realignment of senior management of the Company. A copy of the News Release,
which is hereby incorporated by reference in this Current Report on Form 8-K, is
attached hereto as Exhibit 99.


Item 7.           Financial Statements and Exhibits.

                  (c)      Exhibits.

                  The following Exhibit is filed as part of this report:




                  Exhibit No.               Description
                  -----------               -----------
                                         
                      99                    News Release dated November 18, 1999


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                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

Dated: November 22, 1999

                                                    THE PROGRESSIVE CORPORATION



                                                    By: /s/ David M. Schneider
                                                       -------------------------
                                                    Name:   David M. Schneider
                                                    Title:  Secretary




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                                  EXHIBIT INDEX



 Exhibit No.               Form 8-K
 Under Reg.                 Exhibit
S-K Item 601                  No.                  Description of Exhibit
- ------------               --------                ----------------------
                                             
     99                       99                   News Release dated November 18, 1999