Esurance vs. Progressive Auto Insurance Comparison

Whether you are searching for your first car insurance policy or considering a new company, Progressive and Esurance are both good options. However, when you compare Progressive and Esurance, you’ll notice significant differences that may impact which company works better for your unique needs. 

Progressive auto insurance comes with lower rates for individuals seeking to meet their state’s minimum coverage requirements. The company also has robust discount options, better customer service ratings, and may offer more overall coverage options. However, additional coverages will be more expensive in most cases. 

Esurance auto insurance provides cheaper coverage for individuals who need full coverage and want add-on coverage options to customize their policies. Esurance may also be one of the cheapest auto insurance companies for high-risk drivers in your area, though you will have to compare quotes to know for sure.

While Esurance and Progressive are competitive in terms of rates, neither company offers the cheapest auto insurance rates in the U.S. As you search for auto insurance in your area, compare quotes from multiple providers to learn which company offers the coverage you want at a price that works with your budget.

Esurance vs. Progressive: Which company offers the cheapest auto insurance rates?

When you compare auto insurance rates from Progressive and Esurance, Progressive offers cheaper rates for minimum coverage policies, while Esurance rates for full coverage are cheaper in most cases.

Is Progressive or Esurance auto insurance cheaper for most drivers?

Progressive offers more affordable rates for the minimum car insurance required by your state when compared to Esurance. The average cost of a minimum coverage policy with Progressive is $463 annually or $39 per month.

Liability Auto Insurance Rates by Provider

Insurance Company	Monthly Rates
	$61
	$44
	$37
	$53
	$30
	$67
	$44
	$39
	$33
	$38
	$22
U.S. Average	$45

Progressive charges almost $100 less per year than Esurance for minimum coverage car insurance on average.

Is Progressive or Esurance auto insurance cheaper for full coverage?

If you’re looking for a full coverage car insurance policy, Esurance is the cheaper option. 

Full vs. Minimum Coverage Monthly Insurance Rates by Provider

Insurance Company	Rates
	$160
	$117
	$87
	$97
	$87
	$80
	$174
	$115
	$105
	$86
	$99
	$59
U.S. Average	$119

A full coverage policy with Esurance costs around $1,372 annually or $114 per month. Full coverage with Progressive costs $1,609 annually or $134 each month. Esurance costs around $240 less annually than Progressive if you want full coverage.

Is Esurance or Progressive the better auto insurance company for people with driving violations?

Your car insurance rates will be higher than average if you have an at-fault accident, speeding ticket, or DUI on your driving record.

Auto Insurance Monthly Rates by Driving Record & Provider

Insurance Company	One Ticket	Clean Record	One DUI	One Accident
	$195	$166	$303	$237
	$131	$116	$177	$167
	$139	$111	$201	$175
	$176	$140	$191	$199
	$217	$177	$325	$237
	$145	$120	$252	$165
	$143	$109	$147	$190
	$102	$91	$124	$107
	$148	$107	$230	$157
U.S. Average	$152	$123	$218	$177

Full coverage with Esurance is over 50% cheaper than full coverage with Progressive for anyone with violations on their driving record. Esurance charges around $1,752 annually or $146 per month for individuals with a speeding ticket on their record. Progressive charges around $3,091 annually or $258 monthly for the same coverage.

Progressive offers cheaper auto insurance after an accident. Progressive charges around $1,609 annually or $134 per month, while Esurance charges $2,161 annually or $180 each month.

A DUI will increase car insurance rates significantly. For example, if you have a DUI on your driving record, Esurance charges around $3,448 annually or $287 per month for coverage, while Progressive charges $3,866 annually or $322 per month. 

Is Esurance or Progressive the better auto insurance for young drivers?

Teen and young adult drivers pay more for car insurance than any other demographic.

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 18 Female	Age: 18 Male
	$608	$638	$448	$519
	$452	$456	$333	$371
	$778	$742	$573	$603
	$298	$312	$220	$254
	$716	$778	$528	$633
	$411	$476	$303	$387
	$801	$814	$591	$662
	$311	$349	$229	$284
	$709	$897	$523	$729

Young drivers pay 21% less for car insurance on average with Progressive than with Esurance. Progressive charges around $1,345 annually or $112 each month for young drivers who want minimum coverage. Esurance charges $1,963 annually or $164 per month for the same coverage.

Young drivers who have a speeding ticket on their driving record will pay around $1,737 annually or $145 per month for auto insurance with Progressive. At the same time, Esurance charges $2,329 annually or $194 each month.

Young drivers who have been involved in an accident pay $1,345 annually or $112 monthly with Progressive. Esurance charges $2,194 annually or $183 each month for the same coverage. Full coverage for teen and young adult drivers costs the most.

A full coverage policy for a young driver costs around $4,882 annually or $407 each month with Progressive. Esurance charges $4,967 annually or $414 per month for the same coverage. 

To find the best auto insurance for drivers under 25, compare quotes from Progressive and Esurance with quotes from other companies in your area. Doing so will help you learn which companies offer the coverage you want at the best price.

Esurance vs. Progressive: Which company offers better auto insurance discounts?

Esurance and Progressive offer several discount options to policyholders. Some of Esurance’s most popular auto insurance discounts include:

• DriveSense program discount. Drivers who enroll in the Esurance usage-based auto insurance program can save money by proving they make wise choices and have safe driving habits.
• Policy bundling discount. You can save money if you bundle an auto insurance policy with another Esurance insurance policy.
• Fast 5 discount. If you purchase your auto insurance online, you’ll be eligible for a discount on your coverage.
• Paid-in-full discount. If you pay for your auto insurance policy up front, you’ll save a small percentage on your coverage.

In comparison, Progressive offers several discounts as well. Some of the most popular Progressive auto insurance discounts include:

• Snapshot program discount. Drivers who enroll in the Progressive Snapshot usage-based program can save money by proving they have safe driving habits.
• Online quote discount. If you get an online quote with Progressive, you can save a small amount on your coverage. 
• Continuous insurance discount. If you’ve maintained an auto insurance policy with Progressive for several years, you may be eligible for a discount. Your discount will be more significant as you keep insurance with the company. 
• Teen driver discount. You may be eligible for a discount if you add a teen driver to your existing Progressive auto insurance policy. 

Progressive has additional discounts, and the company’s discounts may offer more savings than Esurance. You can speak to Progressive and Esurance representatives to learn which company’s discounts would benefit you the most. 

Progressive vs. Esurance: Which company has better online and mobile experiences?

With Esurance and Progressive, you can get a quote online, submit claims online, and access your policy information on the company websites. Esurance and Progressive each offer mobile app options for iOS and Android users.

What is Esurance’s mobile app rating?

Esurance has a 4.8-star rating in the App store for its mobile app. Customers can get roadside assistance, access their auto insurance ID cards, and manage their policies from the app. The app also allows customers to manage their car repairs and maintenance schedules.

The Esurance app has a 4.5-star rating from Google Play. Overall, Esurance customers seem happy with what the app offers regarding customer service and convenience.

What is Progressive’s mobile app rating?

Progressive’s mobile app has a 4.5-star rating with both the App store and Google Play. In addition, the Progressive app offers features like bill pay, claim reporting, roadside assistance requests, and access to car insurance ID cards.

Progressive policyholders can connect with company representatives via the app and start new quotes for additional coverage. Customer complaints often involve issues with the company rather than the Progressive app.

Progressive vs. Esurance: Which company offers better auto insurance coverage options?

Progressive offers slightly more options in terms of auto insurance coverage. Progressive’s accident forgiveness helps set the company apart from Esurance regarding add-on coverages that customers may be interested in. Progressive also offers custom equipment coverage and a deductible savings bank, while Esurance does not. 

Esurance and Progressive both offer the following coverage options:

• Roadside assistance
• Rental car reimbursement
• Rideshare insurance
• GAP insurance
• Bodily injury liability
• Property damage liability
• Uninsured/underinsured motorist coverage
• Comprehensive auto insurance
• Collision insurance
• Personal injury protection coverage (PIP)
• Medical payment coverage (MedPay)

Progressive also offers rideshare insurance, though coverage is not available in every state. If you drive for a company like Uber or Lyft, Progressive may be a great option for you. 

While Esurance does not offer accident forgiveness, Progressive offers two types of accident forgiveness coverage:

• Small accident forgiveness. If you cause an accident and the total payout for claims is less than $500, your rates will not increase.
• Large accident forgiveness. Drivers will not experience a rate increase if they are at fault in an accident so long as they have been Progressive customers for five years and have been accident-free for at least three consecutive years. 

You should know the type of car insurance coverage you’re looking for before purchasing a policy. Esurance and Progressive offer different coverage options, which may help you when it’s time to decide.

Esurance vs. Progressive: Which company has more availability?

Progressive is available in all 50 states and the District of Columbia. Esurance is available in 43 states. Esurance is not available in Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, and Wyoming.

Learn More: Best Pay-As-You-Go Auto Insurance in Wyoming

Esurance vs. Progressive: Which company has better reviews?

Esurance has an A- rating with the Better Business Bureau (BBB), and Progressive does not have a rating with the company. Esurance and Progressive have an A+ (Excellent) financial strength rating with A.M. Best.

Customer reviews for Esurance suggest the company has helpful and quick customer service. However, in most cases, negative reviews focus on higher-than-average rates and a slow claims process. 

Positive reviews from Progressive customers focus on fair rates, helpful customer service, and an easy process for online payments. Negative reviews discuss poor customer service, rate hikes for unknown reasons, and unresponsive claims processing. 

Is Esurance or Progressive better when filing a claim?

Esurance has slightly better scores when it comes to filing and processing claims. However, when you look at the J.D. Power 2021 U.S. Insurance Shopping Study, the companies are fairly even in terms of customer ratings and reviews. Esurance scored 871 out of 1,000 points, while Progressive scored 856 out of 1,000.

Progressive vs. Esurance Auto Insurance: The Bottom Line

Esurance and Progressive have a lot to offer to potential customers. Progressive offers cheaper minimum coverage rates and more coverage options, while Esurance offers cheaper full coverage rates and better customer service ratings.

Before you decide on auto insurance coverage, compare Esurance and Progressive rates to rates from other companies in your area. Doing so will help you determine which company will work best for your unique situation.