The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
Esurance and Progressive are two of the most well-known car insurance companies on the market. Progressive was founded in 1937 and became one of the top car insurance providers once it expanded into online insurance. Esurance is a much newer provider, founded in 1999, and has always been an online-only insurance company. Esurance is owned by Allstate.
Although Esurance and Progressive both have large customer bases, these providers differ in a variety of ways, especially when it comes to average rates, discounts and overall customer experience. If you are thinking about buying a policy from Esurance vs. Progressive, we reviewed these providers head-to-head to help you decide which one might be the better option for your needs.
To read comprehensive reviews of each carrier, please visit Bankrate’s carrier review for each company:
Esurance vs Progressive: Car insurance rates comparison
When comparing car insurance providers, it’s important to look at third-party ratings and average premiums. In the table below, we have included some of the most recent ratings for Esurance and Progressive, as well as average 2022 rates from Quadrant Information Services. Across the board, Esurance tends to be move expensive on average than Progressive. We also assigned each provider a Bankrate Score out of five points, which is determined using criteria such as coverage options, affordability, claim handling and customer experience. The difference between both providers’ Bankrate Scores is minimal.
|Car insurance company||Bankrate Score||AM Best||J.D. Power||Average annual premium for full coverage|
Rates by credit score
Depending on where you live, car insurance companies will consider your credit score when calculating your personalized premium. Currently, California, Hawaii and Massachusetts are the only states that do not allow car insurance carriers to factor credit into insurance costs. In Michigan, insurers can’t use your credit score, but they can use information that factors into your score, such as missed or late payments. The table below includes the national average for full coverage car insurance premiums based on credit score as a point of comparison for how rates can change based on credit score. Your actual rate will very likely differ, based on your unique factors as well as which company you choose and what state you live in.
Average annual full coverage premium by credit score
Rates by driving record
When you apply for a car insurance policy, one of the biggest factors that insurance companies look at is your driving record. In most cases, drivers with no history of accidents or violations pay the lowest rates. The table below includes the national average full coverage insurance rates based on driving record as a point of comparison against both Esurance and Progressive. However, keep in mind that every insurance company weighs driving incidents differently, and will charge different rates as a result.
Average annual full coverage premium by driving record
|Clean driving record||Speeding ticket||Caused an accident||DUI conviction|
Esurance vs Progressive: Discounts
Most car insurance companies, including Esurance and Progressive, offer a variety of discounts that can help drivers get a lower premium. However, each company offers a unique set of discounts. In addition, the savings potential for each discount will vary. Here are some of the car insurance discounts available from these two providers:
- DriveSense® program: Drivers who enroll in Esurance’s safe driver program, called DriveSense®, can potentially save money by demonstrating safe habits behind the wheel.
- Policy bundling discount: Esurance offers a discount opportunity to drivers who purchase auto and renters insurance from the company.
- Fast 5® discount: Drivers who purchase their Esurance auto policy online can get a small discount on their premium.
- Pay in full discount: Drivers who pay their annual car insurance premium upfront and in full, rather than in monthly installments, can qualify for a lower rate.
- Snapshot® program: Progressive’s Snapshot® safe driver reward program can help customers save an average of $146 a year on their car insurance policy, according to the provider’s website.
- Online quote discount: Drivers who get an insurance quote online can save up to 7% on their premium.
- Continuous insurance discount: Progressive provides a discount based on the length of a time a new customer was insured with their old provider.
- Teen driver discount: Progressive advertises a potential discount for parents who add a teen driver to their policy, a life event which typically results in a significant rate increase.
Esurance vs Progressive: Online and mobile experience comparison
Both Esurance and Progressive offer an excellent online experience for customers. With either provider, you can get a quote online, submit a claim online and log into the customer portal to manage your policy and coverages. In addition, Esurance and Progressive both have highly-rated mobile apps for iOS and Android users. Here’s a closer look at the ratings and capabilities for the Esurance and Progressive mobile apps:
- Apple store (4.8 stars): Through Esurance’s free mobile app for iOS, customers can get roadside assistance, access ID cards, file a claim and manage their policy. There is also a feature that allows drivers to manage their car repairs and maintenance schedules.
- Google Play (4.5 stars): Esurance’s Android app has all the same features as the iOS app. In terms of reviews, most customers are satisfied with the app’s capabilities and ease of use, and few users reported bugs.
- Apple store (4.5 stars): Progressive’s free iOS mobile app includes features like bill pay, claim reporting, digital ID cards and roadside assistance help. Customers can also connect with an agent through the app and start a new insurance quote.
- Google Play (4.5 stars): Android device users can access all the same features that are included with Progressive’s iOS app. Many of the Android app’s negative reviews are for the company itself, rather than the app.
Frequently asked questions
The best car insurance company is different for every driver, based on their unique coverage needs and what they value in an insurance carrier. Before purchasing a car insurance policy, spend some time researching and comparing providers that offer what you need, whether it’s low rates, good customer service, specific endorsements or something else.
When it comes to average car insurance rates, Progressive is cheaper than Esurance. Progressive’s average annual rate for full coverage insurance is $1,561, whereas Esurance’s average rate for the same policy is $2,146. However, every driver pays a different rate for car insurance based on factors such as their location, credit score (in most states), driving record, age (in most states) and more.
You may want to add gap insurance when you buy a new car. In case of a covered 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.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: California, Hawaii, Massachusetts, Michigan.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.