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Exhibit No. 4(I)

                      FORM OF 6-5/8% SENIOR NOTES DUE 2029
                               (FACE OF SECURITY)

Unless this certificate is presented by an authorized representative of The
Depository Trust Company, a New York corporation ("DTC") to the Issuer or its
agent for registration of transfer, exchange or payment, and such certificate is
registered in the name of Cede & Co., or in such other name as requested by an
authorized representative of DTC, ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR
VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL, inasmuch as the registered
owner hereof, Cede & Co., has an interest herein.

REGISTERED                                                         REGISTERED
NO. R-___                                                          $___________


                              CUSIP No. 743315 AJ 2

                           THE PROGRESSIVE CORPORATION
                           6-5/8% SENIOR NOTE DUE 2029

THE PROGRESSIVE CORPORATION, an Ohio corporation (the "Issuer"), for value
received, hereby promises to pay to CEDE & Co., c/o The Depository Trust
Company, 55 Water Street, New York, New York 10041 or registered assigns, at the
office or agency of the Issuer at the office of the Trustee in Boston,
Massachusetts, the principal sum of _________________________
($________________) on March 1, 2029, in such coin or currency of the United
States of America as at the time of payment shall be legal tender for the
payment of public and private debts, and to pay interest semiannually on March 1
and September 1 of each year, commencing on September 1, 1999, on said principal
sum at said office or agency, in like coin or currency, at the rate per annum
specified in the title of this Note, from the March 1 or the September 1, as the
case may be, next preceding the date of this Note to which interest has been
paid, unless the date hereof is a date to which interest has been paid, in which
case from the date of this Note, or unless no interest has been paid on the
Notes, in which case from March 1, 1999, until payment of said principal sum has
been made or duly provided for; provided, that payment of interest may be made
at the option of the Issuer by check mailed to the address of the person
entitled thereto as such address shall appear on the Security Register.
Notwithstanding the foregoing, if the date hereof is after the fifteenth day of
March or September, as the case may be, and before the following March 1 or
September 1, this Note shall bear interest from such March 1 or September 1;
provided, that if the Issuer shall default in the payment of interest due on
such March 1 or September 1, then this Note shall bear interest from the next
preceding March 1 or September 1, to which interest has been paid or, if no
interest has been paid on this Note, from March 1, 1999. The interest so payable
on any March 1 or September 1 will, subject to certain exceptions provided in
the Indenture referred to on the reverse hereof, be paid to the person in whose
name this Note is registered at the close of business on February 15 or August
15, as the case may be, next preceding such March 1 or September 1.

Reference is made to the further provisions of this Note set forth on the
reverse hereof. Such further provisions shall for all purposes have the same
effect as though fully set forth at this place.


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This Note shall not be valid or become obligatory for any purpose until the
certificate of authentication hereon shall have been signed by the Trustee under
the Indenture referred to on the reverse hereof.

IN WITNESS WHEREOF, The Progressive Corporation has caused this instrument to be
signed by its duly authorized officers and has caused its corporate seal to be
affixed hereto or imprinted hereon.


                           THE PROGRESSIVE CORPORATION

        [CORPORATE SEAL]                    By:_________________________________
                                               W. Thomas Forrester
                                               Treasurer

        Attest:_____________________________
               David M. Schneider
               Secretary


Dated: _____________________


                     TRUSTEE'S CERTIFICATE OF AUTHENTICATION

This is one of the Securities, of the series designated herein, referred to in
the within-mentioned Indenture.

                       STATE STREET BANK AND TRUST COMPANY
                                   AS TRUSTEE

                      By:_________________________________
                              Authorized Signatory


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                               (BACK OF SECURITY)
                           THE PROGRESSIVE CORPORATION
                           6-5/8% SENIOR NOTE DUE 2029

This Note is one of a duly authorized issue of debentures, notes, bonds or other
evidences of indebtedness of the Issuer (hereinafter called the "Securities") of
the series hereinafter specified, all issued or to be issued under and pursuant
to an indenture dated as of September 15, 1993, as heretofore supplemented and
amended (herein called the "Indenture"), between the Issuer and State Street
Bank and Trust Company, as Trustee (herein called the "Trustee"), to which
Indenture and all indentures supplemental thereto reference is hereby made for a
description of the rights, limitations of rights, obligations, duties and
immunities thereunder of the Trustee, the Issuer and the Holders of the
Securities. The Securities may be issued in one or more series, which different
series may be issued in various aggregate principal amounts, may mature at
different times, may bear interest (if any) at different rates, may be subject
to different redemption provisions (if any), may be subject to different
sinking, purchase or analogous funds (if any) and may otherwise vary as in the
Indenture provided. This Note is one of a series designated as the 6-5/8% Senior
Notes Due 2029 of the Issuer, limited in aggregate principal amount to
$300,000,000.

In case an Event of Default, as defined in the Indenture, with respect to the
6-5/8% Senior Notes Due 2029 shall have occurred and be continuing, the
principal hereof may be declared, and upon such declaration shall become, due
and payable, in the manner, with the effect and subject to the conditions
provided in the Indenture.

The Indenture contains provisions permitting the Issuer and the Trustee, with
the consent of the Holders of not less than 66-2/3% in aggregate principal
amount of the Securities at the time Outstanding (as defined in the Indenture)
of all series to be affected (voting as one class), evidenced as in the
Indenture provided, to execute supplemental indentures adding any provisions to
or changing in any manner or eliminating any of the provisions of the Indenture
or of any supplemental indenture or modifying in any manner the rights of the
Holders of the Securities of each such series; provided, however, that no such
supplemental indenture shall (i) extend the final maturity of any Security, or
reduce the principal amount thereof, or reduce the rate or extend the time of
payment of any interest thereon, or impair or affect the rights of any Holder to
institute suit for the payment thereof, without the consent of the Holder of
each Security so affected or (ii) reduce the aforesaid percentage of Securities,
the Holders of which are required to consent to any such supplemental indenture,
without the consent of the Holder of each Security so affected. It is also
provided in the Indenture that, with respect to certain defaults or Events of
Default regarding the Securities of any series, prior to any declaration
accelerating the maturity of such Securities, the Holders of a majority in
aggregate principal amount Outstanding of the Securities of such series may on
behalf of the Holders of all the Securities of such series waive any such past
default or Event of Default and its consequences. The preceding sentence shall
not, however, apply to a default in the payment of the principal of or premium,
if any, or interest on any of the Securities. Any such consent or waiver by the
Holder of this Note (unless revoked as provided in the Indenture) shall be
conclusive and binding upon such Holder and upon all future Holders and owners
of this Note and any Note which may be issued in exchange or substitution
herefor, irrespective of whether or not any notation thereof is made upon this
Note or such other Note.


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No reference herein to the Indenture and no provision of this Note or of the
Indenture shall alter or impair the obligation of the Issuer, which is absolute
and unconditional, to pay the principal of and interest on this Note in the
manner, at the respective times, at the rate and in the coin or currency herein
prescribed.

The Notes are issuable in registered form without coupons in denominations of
$1,000 and any integral multiple of $1,000 at the office or agency of the Issuer
at the office of the Trustee in Boston, Massachusetts, and in the manner and
subject to the limitations provided in the Indenture, but without the payment of
any service charge. Notes may be exchanged for a like aggregate principal amount
of Notes of other authorized denominations.

The Notes of the series designated as the 6-5/8% Senior Notes due 2029 are
subject to redemption upon not more than 60 or less than 30 days' notice by
mail, at any time or from time to time, in whole or in part, at the option of
the Issuer on any date (a "Redemption Date"), at a redemption price equal to the
greater of (i) 100% of the principal amount of the Notes to be redeemed or (ii)
a "Make Whole Amount," calculated as described below, plus, in either case,
accrued and unpaid interest on the principal amount being redeemed to such
Redemption Date; provided that installments of interest on Notes which are due
and payable on an interest payment date falling on or prior to the relevant
Redemption Date shall be payable to the Holders of such Notes, registered as
such at the close of business on the relevant record date, according to the
terms and the provisions of the Indenture.

The "Make Whole Amount" means an amount equal to the sum of the present values
of the Remaining Scheduled Payments discounted to such Redemption Date on a
semiannual basis (assuming a 360-day year consisting of twelve 30-day months) at
a rate equal to the Treasury Rate plus 25 basis points.

"Remaining Scheduled Payments" means the remaining scheduled payments of the
principal and interest that would be due on the Note being redeemed after the
relevant Redemption Date; provided, however, that if the redemption date is not
a scheduled interest payment date, the amount of the next succeeding scheduled
interest payment on such Note will be reduced by the amount of interest accrued
on such Note to such Redemption Date.

"Treasury Rate" means, with respect to any Redemption Date for the Notes, the
rate per annum equal to the semiannual equivalent yield to maturity of the
Comparable Treasury Issue, calculated using a price for the Comparable Treasury
Issue (expressed as a percentage of its principal amount) equal to the
Comparable Treasury Price for such Redemption Date. The Treasury Rate shall be
calculated on the third Business Day immediately preceding the Redemption Date.

"Comparable Treasury Issue" means the United States Treasury security selected
by the Independent Investment Banker as having a maturity comparable to the
remaining term of the Notes to be redeemed that would be utilized, at the time
of selection and in accordance with customary financial practice, in pricing new
issues of corporate debt securities of comparable maturity to the remaining term
of the Notes.

"Independent Investment Banker" means Donaldson, Lufkin & Jenrette Securities
Corporation or, if such firm is unwilling or unable to select the Comparable
Treasury Issue, an independent


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investment banking institution of national standing appointed by the Trustee
after consultation with the Issuer.

"Comparable Treasury Price" means with respect to any Redemption Date for the
Notes the average of three Reference Treasury Dealer Quotations obtained by the
Trustee for such Redemption Date.

"Reference Treasury Dealer" means: (i)
Donaldson, Lufkin & Jenrette Securities Corporation and its successor; provided,
however, that if the foregoing shall cease to be a primary U.S. Government
securities dealer in New York City (a "Primary Treasury Dealer"), the Issuer
will substitute therefore another nationally-recognized investment banking firm
that is a Primary Treasury Dealer, and (ii) any other two Primary Treasury
Dealers selected by the Issuer.

"Reference Treasury Dealer Quotations" means, with respect to each Reference
Treasury Dealer and any Redemption Date, the average, as determined by the
Trustee, of the bid and asked prices for the Comparable Treasury Issue
(expressed in each case as a percentage of its principal amount) quoted in
writing to the Trustee by such Reference Treasury Dealer at 3:30 p.m. New York
City time, on the third Business Day preceding such Redemption Date.

In the event of redemption of this Note in part only, a new Note or Notes of
this series and of like tenor for the unredeemed portion hereof will be issued
in the name of the Holder hereof upon the cancellation hereof.

Upon due presentment for registration of transfer of this Note at the office or
agency of the Issuer at the office of the Trustee in Boston, Massachusetts, a
new Note or Notes of authorized denominations for an equal aggregate principal
amount will be issued to the transferee in exchange therefor, subject to the
limitations provided in the Indenture, without charge except for any tax or
other governmental charge imposed in connection therewith.

The Issuer, the Trustee and any authorized agent of the Issuer or the Trustee
may deem and treat the registered Holder hereof as the absolute owner of this
Note (whether or not this Note shall be overdue and notwithstanding any notation
of ownership or other writing hereon), for the purpose of receiving payment of,
or on account of, the principal hereof and, subject to the provisions on the
face hereof, interest hereon, and for all other purposes, and neither the Issuer
nor the Trustee nor any authorized agent of the Issuer or the Trustee shall be
affected by notice to the contrary.

No recourse under or upon any obligation, covenant or agreement of the Issuer in
the Indenture or any indenture supplemental thereto or in any Note, or because
of the creation of any indebtedness represented thereby, shall be had against
any incorporator, shareholder, officer or director, as such, of the Issuer or of
any successor corporation, either directly or through the Issuer or any
successor corporation, under any rule of law, statute or constitutional
provision or by the enforcement of any assessment or by any legal or equitable
proceeding or otherwise, all such liability being expressly waived and released
by the acceptance hereof and as part of the consideration for the issue hereof.

Terms used herein which are defined in the Indenture shall have the respective
meanings assigned thereto in the Indenture.


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FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s)
unto

                     PLEASE INSERT SOCIAL SECURITY OR OTHER
                         IDENTIFYING NUMBER OF ASSIGNEE

(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS
INCLUDING POSTAL ZIP CODE OF ASSIGNEE)

the within Note and all rights thereunder, hereby irrevocably constituting and
appointing attorney to transfer said Note on the books of the Issuer, with full
power of substitution in the premises.

Dated
     ------------------------        ------------------------------------

                                     NOTICE: The signature to this assignment
                                     must correspond with the name as written
                                     upon the face of the within instrument in
                                     every particular, without alteration or
                                     enlargement or any change whatever.



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