Exhibit 99(d)

                Certification of the Principal Financial Officer,
                              W. Thomas Forrester,
                         of The Progressive Corporation,
                             pursuant to Section 906
                        of the Sarbanes-Oxley Act of 2002

     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 Annual Report on Form 10-K of the Company for the period ended
         December 31, 2002 (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
------------------------------------------
W. Thomas Forrester
Vice President and Chief Financial Officer
March 14, 2003