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Compare Esurance vs. Progressive Car Insurance

What’s the difference between Esurance Car Insurance and Progressive Car Insurance? See how our editors compare the two companies below.
Last Updated: April 27, 2024
Esurance Car Insurance
4.5 / 5 - Excellent
#5 in Car Insurance
VIEW RATES
Progressive Car Insurance
4.7 / 5 - Excellent
#2 in Car Insurance
VIEW RATES
vs

Key Facts

  • Manage your policy online with Esurance mobile
  • Create a more personalized car insurance that meets your needs
  • Accident forgiveness & Excellent customer support services
  • Flexible payment options 
  • Get a customized quote today and see what you could save
  • Fast, easy and reliable claims service available 24 hours a day
  • Trusted by millions of drivers to insure what’s important
More Details >
More Details >

OVERALL RATINGS

 EsuranceProgressive
Coverage4.5/55.0/5
Financial Strength5.0/54.8/5
Supplemental Coverage0.0/50.0/5
Pricing & Discounts4.5/54.8/5
Claims Satisfaction & Customer Experience5.0/55.0/5
Automation4.5/54.5/5

Coverage Compared

Basic Coverage

Esurance
vs
Progressive
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Esurance
vs
Progressive
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Vet Bills

Coverage Fine Print

Mobile App Loan/lease gap coverage - Can help bridge the divide between your totaled car's actual cash value and what you still owe to the lender.
Loan/Lease Payoff or Gap Insurance - Protects drivers whose cars have been declared a total loss by paying up to 25% over the actual cash value towards the amount owed to the lender. Mobile App Driver Monitoring Devices

What do their customers think?

National Association of Insurance Commissioners

 EsuranceProgressive
NAIC Complaint Ratio
1.79
1.11
NAIC Total Complaints 2020
60
130

Customer Ratings

 EsuranceProgressive
Trust Pilot Rating
5.4 out of 10
4.7 out of 10
BBB Rating
A-
A+
Number of BBB Positive Reviews
2
4
Number of BBB Neutral Reviews
4
5
Number of BBB Negative Reviews
143
153
Date Collected
2018-12-11
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 1.79) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.
*The NAIC Car Insurance complaint ratio (in this case 1.11) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Comparing Financial Stregnth

Key Details

 EsuranceProgressive
Underwriter
Allstate Corporation
Progressive Group
Premiums Written 2020
$31,501,664,285
$19,634,833,711
Marketshare
9.73%
9.17%
AM Best Financial Rating
a-
a
Moody's Financial Rating
Aa3
A2
Standard & Poor's Financial Rating
A-
A
*The above information reflects the financial strength of the underwriter of the Esurance car insurance policies: Allstate Corporation.
*The above information reflects the financial strength of the underwriter of the Progressive car insurance policies: Progressive Group.

Pricing & Discounts

 EsuranceProgressive
Per Mile Pricing Available?

Discounts

Esurance
vs
Progressive
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Esurance
vs
Progressive
  • Full/Automatic Payment
  • Full/Automatic Payment

Discounts Fine Print

Fast 5 discount - Up to 5% off your first-term premium by starting your quote online. Switch & Save - 5% off your premium in most states by switching to Esurance from another insurance company. Pac-12 discount - Attend a Pac-12 school and save up to 15% on your premium. Online Shopper discount - Discounts available for Illinois, Utah, and Virginia drivers. Renters Plus discount - Discounts for adding Esurance renters coverage to your existing auto policy. Emergency Road Assistance - Buy emergency road assistance coverage and save up to 5% on your premium. DriveSense discount - Select the discount during your online quote. After purchasing your policy, download the DriveSense mobile app, log in, and start saving. You'll automatically save 5% just by signing up and get personalized discounts based on your driving habits. Defensive Driver discount - Applies to older drivers (age 50, 55, or 60 and older) who have completed a defensive driving or driver improvement class approved by their state's DMV. The program is available in four states and could help you save up to 10% off certain coverages.
Start your quote online (7% average discount) Sign your documents online (7% average discount) Minor child driver (discount varies)

Contact & Additional Information

 EsuranceProgressive
Homepage URL
https://www.esurance.com/
https://www.progressive.com
Company Phone
(800) 378-7262
(800) 776-4737
Headquarters Address
650 Davis Street, San Francisco, CA, 94111
The Progressive Corporation 6300 Wilson Mills Rd., Mayfield Village, OH, 44143
Mailing Address
P.O. Box 5250, Sioux Falls, SD, 57117
Year Founded
1931
1937

Final Verdict

Progressive Car Insurance has a higher overall rating than Esurance Car Insurance. Progressive scores better than Esurance across: Coverage, and Pricing & Discounts. However, Esurance scores better on Financial Strength, and Supplemental Coverage. Both companies score similarly on Claims Satisfaction & Customer Experience, and Automation.

Customer Comments & Reviews

kristinkelly1995
4/28/2021
Progressive Car Insurance review
Progressive was extremely helpful in providing me with a great rate and explaining everything that I was covered for!

J
Jim M
7/23/2020
Progressive Car Insurance review
Disagree with top rated company. I have zero accidents in the family, zero tickets, one home claim which was hail damage, all over last 5 years. Insurance on cars has increased $100 year and Home insurance close to $200 a year over last three years. Be careful, they get you, then bump you up. I just received another quote from very reputable company, same coverage and $600 less total for bundled coverage. Bye bye Progressive..

M
Margaret A
6/23/2019
Esurance Car Insurance review
So far I am satisfied, a bit pricey but very fast to route you for your car repairs. I have the bad luck of always getting my cars punched while I am in parking lot shopping or even parked in my apartment community. Sorry but I am not driving my car with fenders , door dents side swiping. They were fast to pay my car repair.

P
Pamela P
12/4/2018
Esurance Car Insurance review
I just started with Esurance and have saved a bundle. I was with the same agent at State Farm for decades, but it didn't save me a dime, although she was very capable and personable. Esurance was easy to secure and the agent and I got along great. (That's important when I'm signing my life away. )

Johnette S
2/14/2018
Progressive Car Insurance review
We love Progressive! They have always given us prompt, courteous service. They return calls when they say they will. Our auto body shop said they really like working with Progressive. They arranged our rental car very efficiently as well as working with the auto body shop. They are also great about checking on us after the repairs. We will keep our car, truck, and motorhome with Progressive.

T
Tim D
12/18/2017
Progressive Car Insurance review
The biggest Improvement you can make would be allowing your customers to talk to the same customer service agent each time they call.

GEICO Car Insurance
4.7 / 5 - Excellent
#1 in Car Insurance
VIEW RATES
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