Esurance vs. Progressive Auto Insurance in 2025 (Head-to-Head Review)

Esurance vs. Progressive auto insurance gives drivers two different choices based on coverage needs and driving history.

Esurance vs. Progressive Auto Insurance

Progressive stands out with tools like the Name Your Price feature, Snapshot program, and accident forgiveness. Esurance no longer sells new policies, but existing customers can still manage their coverage with customizable options and strong mobile support.

This comparison breaks down their rates, discounts, coverage features, and customer service to help you find the better fit for your situation.

You can find affordable auto insurance, no matter your driving record, by entering your ZIP code into our free quote comparison tool.

Progressive vs. Esurance Rates by Age & Market Share Comparison

Esurance and Progressive both provide competitive rates for auto insurance for 18-year-olds, giving something based on gender age. Overall, Progressive’s costs are low for young drivers compared to Esurance, saving $20 for males and $15 for females. This trend of lower rates continues as customers age, preserving Progressive’s pricing edge.

Esurance vs. Progressive Full Coverage Auto Insurance Monthly Rates by Age & Gender

The lower rates are particularly important to young drivers and families with teen drivers who want affordable coverage. The comparison of market share shows the share of each company in the market. Progressive Insurance (14.90%) could indicate a broader acceptance that may be inclusive of a wider variety of services offered or higher customer satisfaction.

Esurance Insurance Services, Inc., with its smaller 3.80% market share, might be focusing more on personalized service or unique offerings designed for specific customer needs. When you look at both pricing and market share together, it really helps potential customers figure out which insurer aligns best with what they’re looking for.

For a more tailored decision-making process, obtaining an Esurance auto insurance quote allows for direct evaluation of costs and benefits. Similarly, using the Progressive quote comparison comprehensive data set at each end, so you know exactly where Progressive plays in the field and how it compares to competitors.

Esurance vs. Progressive Rates by Driving Record

When we examine the average monthly rates based on driving records for Esurance and Progressive, a pattern emerges that shows Progressive usually has lower rates than Esurance across the board, specifically for drivers with clean driving records and those who have recently received speeding tickets.

Esurance vs. Progressive Full Coverage Auto Insurance Monthly Rates by Driving Record

A driver with a clean driving record, for example, can save $13 a month with Progressive vs. Esurance. This trend holds for more serious infractions; if those with DUI/DWI charges, Progressive’s rate is significantly lower, saving a driver about $98 each month.

Progressive has competitive pricing in a wide range of driving profiles, and given their continued appeal on the forgiving end post infraction, that’s going to be a major influencer in a lot of selections as they’re probably the best match.

Esurance vs. Progressive Rate by Credit Score

If you’re weighing your options between Esurance and Progressive based on how credit scores affect auto insurance rates, Progressive consistently offers lower rates across the board, from excellent to very poor credit scores. For those with top-notch credit, Progressive edges out a $10 monthly savings over Esurance. The savings become more pronounced as credit scores dip.

Esurance vs. Progressive Auto Insurance Monthly Rates by Credit Score

Near the bottom end of the range, Progressive’s rates are roughly $20 lower than Esurance’s for people with terrible credit scores. This trend indicates that Progressive is not only favored by a lot of states across various financial profiles, but that it also positions itself as a less-expensive option among either credit category.

Esurance vs. Progressive Auto Insurance Discounts

When you look at the discounts offered by Esurance and Progressive for auto insurance, you’ll notice some key differences that could influence which provider might suit you better. Both companies offer competitive discounts across a variety of categories, but Progressive Advantage Agency, Inc. generally edges out Esurance slightly in most areas, such as multi-policy and multi-car discounts, which are both 2% higher at Progressive.

Esurance vs. Progressive: Auto Insurance Discounts

Notably, Progressive’s usage-based discount through telematics is significantly more generous at 30% compared to Esurance’s 10%. Esurance outshines the competition with a massive 40% discount for safe drivers, while Progressive’s savings in this area are more varied with little predictability.

That variation in discount structures shows that it’s prudent to shop for the best deal, based on your situation and driving patterns, from the insurers who do business in your market.

Esurance vs. Progressive: Customer Ratings and Financial Strength

When making decisions about which insurance company to choose, it helps to consider ratings and reviews for companies such as Esurance and Progressive. Esurance comes in high on J.D. Power’s satisfaction index with a score of 810 out of 1,000 points, far ahead of Progressive’s 672 (and higher average satisfaction among its customers).

Insurance Business Ratings & Consumer Reviews: Esurance vs. Progressive Auto Insurance

However, Progressive pulls ahead in the Better Business Bureau ratings with an A+ and Esurance a step below, at an A, indicating better business practices. Both companies got the same score from Consumer Reports — 72 out of 100 — and the customers had similar feedback.

The National Association of Insurance Commissioners (NAIC) reports fewer complaints for Progressive, which scores 1.11 compared with Esurance’s 1.20. Financial strength is important, too, and both insurers do well here, with Esurance earning an A- and Progressive slightly better at A+, showing their ability to honor financial obligations.

This performance snapshot provides a nuanced perspective on their strengths and weaknesses as the top auto insurance companies for you, so that you can decide according to which parts of service and reliability you value most.

Pros and Cons of Esurance Auto Insurance

When you’re considering auto insurance options, Esurance car insurance presents itself as a compelling choice with a mix of modern tech integration and flexible policy options. Here’s a straightforward rundown of the strengths and areas where they might not hit the mark.

Pros

• Perfect for Full Coverage: Esurance offers affordable full coverage policies to high-risk drivers, which can provide added protection.
• Tech-Savvy Approach: The mobile app is rated highly on iOS and Android, allowing management of policies and filing claims to be easy, which appeals to tech-savvy customers.
• Discount Opportunities: The Esurance DriveSense program provides safe-driving discounts by giving you discounted rates on insurance if you are a cautious driver.

Cons

• Limited Availability: The biggest downside is that Esurance isn’t offered in all states. The geographic limitation could be a bone of contention for customers outside the states covered.
• Customer Service Concerns: The service technology is highly rated, but some users report inconsistent customer service, which may concern those who value personal interaction and support.

Esurance appeals to tech-savvy drivers and those eligible for discounts, but limited availability and inconsistent customer service may pose challenges.

A Reddit user shared a positive experience and said that “gap insurance” saved them a ton of money—they totaled their car, and Esurance paid off the remaining car loan. Gap insurance is good for everyone, but you should keep these items in mind and consider your own unique situation while choosing an auto insurance company.

Pros and Cons of Progressive Auto Insurance

Progressive auto insurance stands out as a major player in the insurance industry, known for its extensive range of options and forward-thinking approach. If you’re mulling over whether Progressive might be the right fit for your auto insurance needs, here’s a balanced view to help guide your decision.

Pros

• Diverse Coverage Options: Progressive Casualty Insurance Company includes liability, comprehensive, collision, and uninsured driver coverage, protecting drivers with the necessary coverage.
• Innovative Tools and Discounts: Progressive’s Name Your Price Tool and Snapshot program allow the company to offer personalized rates based on driving behavior, which can help drivers save.
• Online Tools and Resources: Progressive has some of the best digital experiences anywhere, so managing and filing a claim is straightforward, just like its excellent online tools that prioritize easier access to coverage.

Cons

• Cost Fluctuations: Progressive offers cost management tools, but rates can fluctuate based on conditions like driving history, potentially limiting competitiveness.
• Mixed Customer Service Reviews: Customer service experience is varied; while some have offered the potential for excellent service, others faced issues with claims and support, and customers are looking for reliability.

Progressive is unique for its extensive coverage selections and also for its innovative discounts, making it an ideal candidate for a Progressive car insurance comparison, especially for tech-savvy clients. But prospective customers would have to weigh this benefit against price differences and mixed reviews for customer service.

A Yelp review also highlighted the effectiveness and the helpfulness of a team in assisting users after an accident, with the user noting the ease of message communication and a great response feeling, making the overall experience better. Keep these factors in mind along with your own needs as an individual or a family to select an insurer that will hopefully measure up to your expectations.

Esurance vs. Progressive: Choosing the Right Auto Insurance

Choosing between Esurance and Progressive for auto insurance, you’ll need to consider what’s most important to you. For those who want the cheapest rates possible, Progressive usually has the most affordable rates for basic liability auto insurance coverage, which could significantly reduce your expenses.

However, Esurance could be better if your coverage needs are more extensive, as they tend to have lower rates when it comes to full coverage policies; this makes Esurance a good candidate if you need to pack more protection or if you own a more valuable vehicle. In other words, the right insurer may offer a compromise between price and the degree of coverage you need.

Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.