Esurance vs. Progressive Car Insurance: Compare Reviews and Quotes

Esurance vs. Progressive

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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. Below we score the two insurers on customer service reputation, breadth of features available and more.

For drivers looking for the cheapest rate, we recommend Progressive, which offers more affordable car insurance quotes in most states.

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.

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Best for
Esurance
Progressive
Price
Coverages and discounts
Shopping experience
Claims processing
Overall customer satisfaction
Esurance reviewProgressive review

Esurance vs. Progressive: Which has cheaper car insurance?

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

Find Cheap Auto Insurance Quotes in Your Area

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

State
Esurance
Progressive
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 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:

Discount
Esurance
Progressive
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%
MultivehicleVaries12%
MultipolicyVaries5-10%
Automatic paymentNAVaries

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.


Esurance vs. Progressive: Compare coverage options

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:

Coverage
Esurance
Progressive
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.


Progressive vs. Esurance: State 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.

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.

Feature
Esurance
Progressive
Overall satisfaction43
Policy offerings43
Price43
Call center experience42
Website43

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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EEsurance offers the best shopping experience\u003C\/h3\u003E\n\n\u003Cp\u003EEsurance 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFeature\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EProgressive\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOverall satisfaction\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPolicy offerings\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPrice\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECall center experience\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EWebsite\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Feature\",\"Esurance\",\"Progressive\"],[\"Overall satisfaction\",\"4\",\"3\"],[\"Policy offerings\",\"4\",\"3\"],[\"Price\",\"4\",\"3\"],[\"Call center experience\",\"4\",\"2\"],[\"Website\",\"4\",\"3\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EResults 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. \n","padding":"double"}

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.

Feature
Esurance
Progressive
Overall satisfaction33
First notice of loss33
Estimation of process33
Repair process43
Rental experience53
Claim servicing33
Settlement23

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

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The only category in which Progressive outranked Esurance was settlement.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFeature\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EProgressive\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOverall satisfaction\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFirst notice of loss\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EEstimation of process\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ERepair process\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ERental experience\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EClaim servicing\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESettlement\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Feature\",\"Esurance\",\"Progressive\"],[\"Overall satisfaction\",\"3\",\"3\"],[\"First notice of loss\",\"3\",\"3\"],[\"Estimation of process\",\"3\",\"3\"],[\"Repair process\",\"4\",\"3\"],[\"Rental experience\",\"5\",\"3\"],[\"Claim servicing\",\"3\",\"3\"],[\"Settlement\",\"2\",\"3\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EResults are from J.D. Power\u2019s 2018 U.S. Auto Claims Satisfaction Study. Ratings are based on a five-point scale. \n","padding":"double"}

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.

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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

  • 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

  • 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.
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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 type
Study 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.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.