Esurance vs. Progressive Car Insurance: Which is better?

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Esurance and Progressive car insurance go head to head in, thanks to their strong online presence. Progressive Insurance was founded in 1937 and became one of the top car insurance providers once it 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.

Esurance vs. Progressive: Rates comparison

The average Progressive policy is a few hundred dollars more than the average Esurance car insurance policy, but those figures quickly change based on the type of driver you are. You’ll get different quotes based on things like how much coverage you want and if you are a safe driver.

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 from home
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 equipment replacement value
Emergency roadside assistance
Loan/Lease gap coverage
Medical payments
Personal injury protection (PIP)
Rental car
Rideshare driver
Uninsured/Underinsured motorist liability

Esurance vs. Progressive: Features comparison

Coverage area

There are some slight differences when it comes to coverage areas between Progressive vs. Esurance. By using subsidiaries like Progressive Direct and Progressive Casualty, Progressive is able to service all 50 states and Washington, D.C.

Esurance doesn’t have the same availability, servicing most but not all states. Insurance is available in 43 states total, but there are seven states where esurance does not provide coverage. These states are Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont and Wyoming. If you live in these areas, Progressive is a better fit.

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.”

Online and mobile experience comparison

Esurance, as an online-only company, leads Progressive on online and mobile experience. It offers features like Coverage Counselor to make coverage recommendations, Fuelcaster to help forecast and calculate gas prices, photo claims, and Repair View, which allows you to track repairs and even receive a daily progress report with photos of your vehicle’s repairs after an accident.

Meanwhile, Progressive offers its signature Name Your Price tool, the Snapshot mobile app to track your trips and driving behavior, and 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.

In the 2020 J.D. Power Auto Insurance study awarding categories like policy offerings, price, customer support and website. Ratings all depend on region.

The two are closely matched in customer satisfaction in California, Texas, Florida, and the North Central region. Ratings for Esurance aren’t available for New England, the Northwest, and Central U.S. where Progressive scores highly, nor are they available in New York, the Southeast, Southwest, or mid-Atlantic, where Progressive scores below-average.

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.

Written by
Lena Borrelli
Insurance Contributor
Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley.