Esurance vs. Progressive Car Insurance: Compare Reviews and Quotes

Find the Cheapest Auto Insurance Quotes in Your Area

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If you're shopping for car insurance, Esurance and Progressive are available in most states and both typically score well for customer satisfaction. For drivers looking for the cheapest rate, we recommend Progressive, which offers more affordable car insurance quotes in most states. Below we score the two insurers on customer service reputation, breadth of features available and more.

Progressive’s car insurance rates averaged $2,976 per year or $248 per month, while premiums at Esurance averaged $3,011 per year or $251 per month. Rates, however, vary drastically by state and driver profile, so you should always compare quotes from multiple insurers.

Best forInsurer
PriceProgressive
Coverages and discountsTie
Shopping experienceEsurance
Claims processingEsurance
Overall customer satisfactionProgressive

Esurance vs. Progressive: Who’s cheaper?

Progressive's car insurance rates, on average, were cheaper than Esurance. Average annual auto insurance premiums at Progressive are $2,976, or $248 per month, compared to Esurance's annual rate of $3,011, or $251 per month.

However, in some states — including Georgia, New Jersey, Ohio and Pennsylvania — Esurance's rates were cheaper than Progressive's.

The cost difference between the two insurers was sometimes as high as $1,500, highlighting the importance of comparing multiple quotes when shopping for auto insurance.

Esurance vs. Progressive car insurance quotes in 10 large U.S. states

StateEsuranceProgressive
Arizona$2,477$2,349
Colorado$3,568$3,158
Georgia$2,572$3,509
Maryland$3,856$3,525
Michigan$4,373$3,281
Missouri$3,566$3,322
New Jersey$2,052$2,476
New York$4,556$2,848
Ohio$1,834$2,221
Pennsylvania$1,254$3,075
Average$3,011$2,976

To compare costs, we collected auto insurance quotes from the 10 most populated states where both Esurance and Progressive policies and quotes were available. Progressive was cheaper in six of the 10 states.

Esurance vs. Progressive: Customer service, reviews and satisfaction

We identify how customers review their car insurance policies at Esurance and Progressive. Specifically, we evaluate customers' experience with:

  • Insurance shopping
  • Claims processing and settlement
  • Complaints

Esurance wins for shopping experience and claims satisfaction, but Progressive receives fewer complaints.

Esurance offers the best shopping experience

Esurance performs better than Progressive on customer satisfaction with the auto insurance shopping experience. Esurance customers rate their insurer's policy offerings, price, call center and website at higher levels than those at Progressive.

InsurerOverall satisfactionPolicy offeringsPriceCall centerWebsite
Esurance44444
Progressive33323

Results are from J.D. Power's 2019 U.S. Insurance Shopping Study, which used a large consumer survey to rank the largest car insurers in the country. Ratings are based on a five-point scale.

Esurance wins on claims satisfaction

Customers rate Esurance more highly than Progressive on claims satisfaction, particularly in terms of repair and rental car services. The only category in which Progressive outranked Esurance was settlement.

InsurerOverall satisfactionFirst notice of lossEstimationRepairRentalsServicingSettlement
Esurance3334532
Progressive3333333

Results are from J.D. Power’s 2018 U.S. Auto Claims Satisfaction Study. Ratings are based on a five-point scale.

Progressive receives fewer complaints than Esurance

Progressive receives a better customer service rating than Esurance, based on the National Association of Insurance Commissioners' (NAIC) complaint index.

Esurance received a complaint index of 1.29 in 2018, which was higher than both the national median of 1.00, and Progressive's complaint index of 0.91. Progressive's lower complaint index indicates the insurance company received fewer complaints than expected for a company of its size.

For both Esurance and Progressive, the most common complaints were related to claims processing delays, unsatisfactory settlement and claim denials.

Both Esurance and Progressive offer excellent online experiences

A good online experience can enhance or facilitate the insurance shopping experience. Both Esurance and Progressive have strong online and mobile tools given their emphasis on direct-to-consumer insurance sales, which don't rely on a network of agents.

Esurance's digital tools include:

  • Coverage counselor to determine appropriate coverages for a given customer based on a short survey.
  • Photo claims estimates that allow customers to submit pictures via mobile app for claims appraisals.
  • RepairView that lets customers track car repairs and claims processing.
  • Fuelcaster to predict gas price changes, which helps customers save when filling up their tanks.

Progressive's digital tools include:

  • Snapshot, a telematics insurance program, to price rates based on driver behavior.
  • Coverage Checker to help customers identify areas of their car insurance quote where they might have too much or too little coverage.
  • Virtual assistant, known as Flo, to answer customer questions and provide quotes via Facebook Messenger.

Esurance vs. Progressive: Compare coverage options and discounts

As two large insurers, both Esurance and Progressive offer full-coverage car insurance policies that include common coverages required or recommended in most states.

Most coverages offered are the same at both insurers. One difference is that Progressive offers rideshare insurance in most states, whereas Esurance's rideshare coverage is only currently available in California.

The coverages offered at both Esurance and Progressive include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Medical payments
  • Comprehensive and collision
  • Uninsured and underinsured motorist
  • Custom parts and equipment coverage
  • Gap insurance

Progressive also offers a deductible savings bank that subtracts $50 from a policyholder's collision and comprehensive deductible every six months that a driver goes claim free.

Esurance and Progressive both offer many discount opportunities

Esurance and Progressive offer similar discounts to policyholders, and there is no clear winner in terms of both the amount of discount applied and types available. Discounts are usually related to safety features, driving record and customer behavior.

Below, we list discounts available at Esurance and Progressive, including the potential savings offered:

DiscountEsuranceProgressive
Antilock brakes5%NA
Antitheft system5%–25%NA
Good driver history (based on claims filings or driving record)10%–40%Varies
Good driving habits (tracked via mobile app)8%Varies
Defensive driving10%Varies
Good student10%Varies
PaperlessN/AVaries
Online quote5%4%
Online signingNA8.5%
Emergency roadside assistance5%N/A
MultivehicleVaries12%
MultipolicyVaries5-10%
Automatic paymentNAVaries
Paid-in-full10%Varies

Discounts available often differ greatly based on location and driver profile, and insurers may limit the total premium reduction. Furthermore, some discounts may be applicable to only specific coverages, such as collision and comprehensive coverage, rather than the entire policy.

Progressive vs. Esurance: Company structure and policy availability

Progressive, which is available in all 50 states and Washington D.C., underwrites policies under several subsidiary names, including Progressive Casualty, Progressive Choice, Progressive Direct and more.

Esurance, which offers car insurance in 43 states, is owned by the large national insurer Allstate. The seven states you could get Progressive, but not Esurance, are Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont and Wyoming.

Methodology

This analysis used car insurance quotes from thousands of ZIP codes across the 10 largest states in the U.S. by population where both Esurance and Progressive offer policies and quotes were available.

The sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

All other variables affecting the cost of car insurance were consistent, including marital status (single) and driving record (clean). Coverage levels are listed below and are slightly higher than any one state's minimum coverage requirements:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/Underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protection (PIP)Minimum when required by state

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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