Esurance vs. Progressive Car Insurance: Which is better?

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Esurance and Progressive Car Insurance go head to head in car insurance, thanks to their strong online presence. Progressive Insurance was founded in 1937 and became one of the top car insurance providers once they expanded into online insurance. Esurance was founded in 1999 as an online-only insurance company. Both companies offer competitive prices and plenty of discounts for customers of any budget. Here’s a closer look at the two.

Esurance vs. Progressive: Rates comparison

Progressive and Esurance Auto have similarly priced premiums, although rates vary widely by state and other factors. That’s why it’s important to compare car insurance companies — pricing varies according to many factors like location, driving history, vehicle and credit score. We compiled pricing by averaging collected insurance rates for a 35-year-old male from five metro areas across the country.
Take a look at the table below to see how each company measures up. The first line is the average insurance price for each insurer, provided by the insurance comparison website, The Zebra.

Esurance vs. Progressive insurance rates comparison

Rate Category EsuranceAnnual Price ProgressiveAnnual Price
Average Cost $2,558 $2,962
MinimumLiability Insurance $1,003 $893
GoodDriver with Good Credit $2,103 $1,983
GoodDriver with Poor Credit $3,602 $3,587
Driverwith a Recent At-Fault Accident $3,997 $3,720

Esurance vs. Progressive: Discounts comparison

Both companies offer a variety of discounts that help make car insurance more affordable. Bundling several insurance policies with the same provider, choosing to pay your premiums annually or setting up monthly automatic payments are some of the fastest ways to save. Here’s a comparison of discounts available from Esurance vs. Progressive car insurance.

Esurance vs. Progressive car insurance discounts comparison

Discount Esurance Progressive
Air Bags
Anti-Lock Brake System
Anti-Theft Device(s)
Auto Pay
Defensive Driver
Emergency Roadside Assistance
Good Driver
Good Student
Home Owner
Home Renter
Military
Multiple Policies
Multiple Vehicles
New Car
Online Sign Up
Paid In Full
Safety Technology
Student Away
Teen Driver

Esurance vs. Progressive: Coverage options comparison

Most states require drivers to carry a minimum amount of basic liability insurance that covers bodily injury and property damage if they’re at fault. Each state has varying requirements. Besides basic liability coverage, Esurance Auto and Progressive Insurance also offer the following coverages.

Esurance vs. Progressive coverage options comparison

Discounts Esurance Progressive
Accident-Free Deductible Savings
Collision
Comprehensive
Custom Parts and EquipmentReplacement Value
Emergency Roadside Assistance
Loan/Lease Gap Coverage
Medical Payments
Personal Injury Protection (PIP)
Rental Car
Rideshare Driver
Uninsured/Underinsured MotoristLiability

Esurance vs. Progressive: Roadside assistance comparison

Esurance and Progressive both offer roadside assistance that covers towing assistance, flat tire changes, gas, oil or water delivery, battery jump-starts and lockout service but each provider structures coverage differently.

According to Esurance Auto, the insurer will “pay up to $75 towards roadside services.” Progressive’s Roadside Assistance includes all services with no out of pocket fees, although there are limits to their towing services. Progressive will “arrange to tow [your vehicle] anywhere within a 15-mile radius, or to the nearest qualified repair facility if one doesn’t exist within 15 miles.”

Esurance vs. Progressive: Online and mobile experience comparison

24/7 assistance is crucial when you’re stuck roadside or have a question about your auto insurance coverage. Both companies provide this level of service by offering a mobile app and a user-friendly website experience. Esurance, as an online-only company, leads Progressive on online and mobile experience. To download the mobile apps, visit:

Esurance’s online tools and mobile features are comprehensive and include:

  • Coverage Counselor makes car insurance coverage recommendations.
  • Fuelcaster helps forecast and calculate gas prices
  • Photo claims allows you to submit photos instantly to document damages in an accident
  • Repair View allows you to track repairs and even receive a daily progress report with photos of your vehicle’s repairs after an accident

Progressive’s online and mobile tools include:

  • Name Your Price: works with you to find coverage that fits your budget.
  • Snapshot mobile app: is designed for Progressive’s usage-based insurance to track your trips and driving behavior.
  • Virtual Assistance: through the Flo Chatbot, Google Home or Facebook Messenger.

Esurance vs. Progressive: Customer satisfaction

Esurance and Progressive Insurance are closely matched when it comes to customer satisfaction. Both received the highest rating from the Better Business Bureau of A+.

In the 2019 J.D. Power Insurance Shopping Study awarding categories like policy offerings, price, customer support and website, Esurance received four out of five stars overall and Progressive followed with three out of five stars overall.

Both insurers hovered at average customer satisfaction with three out of five stars in the J.D. Power Customer Satisfaction Survey although Esurance was the winner in California, beating out 16 competitors. Progressive and Esurance reviews are a mix of positive and negative comments by users at Trustpilot.com. Esurance reviews are limited to only three, compared to Progressive’s 14, so take these few reviews with a grain of salt.

Frequently asked questions

What do I need to get a quote?

For both insurers, you’ll need to provide contact information and information about the vehicle like make, model and year.

When comparing Progressive vs. Esurance, which one is better for young drivers?

Both insurers offer good student discounts but Esurance also offers a Teen Driver discount.

What is gap insurance and do Progressive or Esurance offer it?

You may want to add gap insurance when you buy a new car. In case of a loss or accident, the coverage helps pay the difference between what is owed on a leased or financed car and what it’s worth at the time of the loss. Both Esurance and Progressive offer gap insurance.