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A lack of scale means Progressive Insurance’s cost per unit of output is very high. Increasing volume, while maintain quality, would help reduce those costs… … "Progressive Insurance Lack of Scale" has a significant impact, so an analyst should put more weight into it. "Progressive Insurance Lack of Scale" will have a long-term negative impact on this entity, which subtracts from the entity's value. This statements will have a short-term negative impact on this entity, which subtracts from its value. This qualitative factor will lead to an increase in costs. This statement will lead to a decrease in profits. "Progressive Insurance Lack of Scale" is a difficult qualitative factor to overcome, so the investment will have to spend a lot of time trying to overcome this issue.