Esurance States Less Than 1 Year Continuously Insured

VS

Cheapest company

- Progressive

Best unique coverages

- Progressive

Verdict

Progressive offers cheaper policies for the average driver and also receives fewer customer complaints. Progressive also offers more unique types of coverage. However, Esurance has a higher overall customer satisfaction score.

One area where Esurance pulls ahead is in lower rates for drivers who have received a speeding ticket. On the other hand, Progressive is available in all 50 states, while Esurance is only currently available in 43.

Esurance is good for drivers with speeding tickets looking for lower rates. Progressive is good for drivers looking for low rates overall and more coverage options.

Is Esurance or Progressive Cheaper Overall?

Progressive offers cheaper car insurance than Esurance overall. Progressive costs an average of $1,381 per year, while Esurance costs $1,473.

Our average rates are based on a sample driver with a safe driving record, a full coverage policy and 100/300/100 liability limits. However, keep in mind that car insurance rates can vary depending on individualized factors, including where you live, how old you are, your recent driving history, your credit score, and more. Because of this, it's important to get personalized quotes from different insurers to find the best possible deal.

Is Esurance or Progressive Cheaper in Your State?

Progressive and Esurance are tied when it comes to cheaper rates per state. The average cost of car insurance can vary widely from state to state, which is why it's important to shop around for insurance coverage.

Of the 12 states that MoneyGeek has insurance information for both companies, Progressive and Esurance both offer cheaper car insurance than each other in six states. Progressive has coverage in all 50 states and the District of Columbia, while Esurance only offers coverage in 43 states. However, keep in mind that Esurance was recently bought out by Allstate, which provides coverage in every state and Washington, D.C.

Be sure to secure a personalized quote from auto insurance companies that take your location and other personal information into account to compare different insurers accurately. You can use our car insurance cost calculator to get an anonymous, personalized quote, instantly.

Average Cost Per State

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• State

  Esurance Annual Premium

  Progressive Annual Premium

• Alabama

  Not Available

  $1,288

• Alaska

  Not Available

  $1,028

• Arizona

  $1,249

  $1,007

• Arkansas

  Not Available

  $1,363

• California

  $1,055

  $1,132

• Colorado

  $1,096

  $2,070

• Connecticut

  Not Available

  $1,167

• District Of Columbia

  Not Available

  $1,362

• Delaware

  Not Available

  $1,438

• Florida

  Not Available

  $2,728

• Georgia

  $1,775

  $2,223

• Hawaii

  Not Available

  $1,457

• Idaho

  Not Available

  $886

• Illinois

  Not Available

  $1,015

• Indiana

  Not Available

  $626

• Iowa

  Not Available

  $730

• Kansas

  Not Available

  $1,053

• Kentucky

  Not Available

  $1,575

• Louisiana

  Not Available

  $3,561

• Maine

  Not Available

  $719

• Maryland

  $4,271

  $2,058

• Massachusetts

  Not Available

  $1,363

• Michigan

  $4,484

  $3,041

• Minnesota

  Not Available

  $1,622

• Mississippi

  Not Available

  $1,523

• Missouri

  $1,304

  $1,652

• Montana

  Not Available

  $1,224

• Nebraska

  Not Available

  $1,004

• Nevada

  Not Available

  Not Available

• New Hampshire

  Not Available

  $593

• New Jersey

  $2,302

  $1,505

• New Mexico

  Not Available

  $1,085

• New York

  $4,874

  $2,286

• North Carolina

  Not Available

  $1,084

• North Dakota

  Not Available

  $720

• Ohio

  $1,039

  $812

• Oklahoma

  Not Available

  $1,310

• Oregon

  Not Available

  $1,002

• Pennsylvania

  $2,097

  $2,589

• Rhode Island

  Not Available

  $1,742

• South Carolina

  Not Available

  $1,380

• South Dakota

  Not Available

  $1,014

• Tennessee

  Not Available

  $959

• Texas

  $1,149

  Not Available

• Utah

  $990

  $1,299

• Vermont

  Not Available

  $1,432

• Virginia

  Not Available

  $504

• Washington

  Not Available

  $920

• West Virginia

  Not Available

  $1,123

• Wisconsin

  Not Available

  $842

• Wyoming

  Not Available

  Not Available

Compare Auto Insurance Rates

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Is Esurance or Progressive Cheaper for Your Age and Driving History?

Your age, driving record, credit score and other factors all influence how much you pay for car insurance. Overall, Progressive is cheaper for most drivers, while Esurance is cheaper for drivers with speeding tickets.

• Esurance is cheaper for a driver with a ticket.
• Progressive is cheaper for a driver with an at-fault accident.
• Progressive is cheaper for a driver with a DUI.
• Progressive is cheaper for a driver with poor credit.

Because car insurance depends on so many personal factors, it's a good idea to get a quote to get a more accurate sense of your rates.

Average Car Insurance Rates by Driver Profile

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• Driver Profile

  Esurance Annual Premium

  Progressive Annual Premium

• 18-Year-Old Student

  Not Available

  $3,171

• Driver With a Ticket

  $1,667

  $1,739

• Driver With an Accident

  $2,401

  $2,163

• Driver With a DUI

  $2,346

  $2,132

• Driver With Poor Credit

  $3,038

  $2,475

Esurance vs. Progressive: Which Is Better for Discounts?

Most car insurance companies offer similar discounts, so it's best to pay attention to the overall cost of your policy, rather than just the number of discounts on offer.

Some of the most significant discounts offered by auto insurance companies are home and auto bundle discounts and usage or behavior-based car insurance programs. Overall, Progressive offers more discounts than Esurance, with discounts for policy bundling, safe driving through their Snapshot program, as well as discounts for paperless billing, paying in full, making automatic payments, and more.

Esurance also offers similar discounts for their DriveSense program, which offers drivers a discount just for enrolling and then another discount based on driving behavior after 50 driving tips. They also have a discount for bundling auto and renters insurance. But overall, they don't provide quite the breadth and depth of discount options as Progressive.

Available Discount by Company

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• Discount

  Available With Esurance?

  Available With Progressive?

• Bundling

  ✔

  ✔

• Homeowners

  ✔

  ✔

• Sign up online

  ✔

  ✔

• Pay in Full

  ✔

• Internet

  ✔

• Paperless

  ✔

• Safe driving

  ✔

• Continuously insured

  ✔

• Multiple Car

  ✔

• Good student

  ✔

• Distant student

  ✔

• Automatic payment

  ✔

• Accident forgiveness

  ✔

Esurance vs. Progressive: Which Has Better Customer Service?

MoneyGeek measures customer experience based on how satisfied customers are according to J.D. Power and how often they lodge complaints tracked by the National Association of Insurance Commissioners (NAIC). The best car insurance companies have high customer service scores, which indicates that they do a good job helping customers during and after the claims process.

Esurance ranks higher for customer satisfaction, but Progressive has fewer customer complaints, meaning the two companies tie in this category.

Esurance vs. Progressive: Customer Satisfaction Rating

Esurance scores better for customer satisfaction, with a score of 836 out of 1,000. However, Progressive isn't far behind, with a score of 832. Esurance performs exceptionally well in categories including claims servicing and the repair process.

Estimation of Process:

3 /5

Estimation of Process:

3 /5

Esurance vs. Progressive: Customer Complaint Ratio

Progressive has a lower NAIC complaint ratio than Esurance, with a ratio of 1.33 compared to 2.87. The national average complaint ratio is 1, meaning that both companies receive a higher-than-average volume of complaints. However, Esurance customers are twice as likely to file a complaint than Progressive customers.

Esurance vs. Progressive: Coverage Options

All auto insurance companies offer standard coverages, including liability insurance, comprehensive and collision insurance, uninsured motorist insurance and personal injury protection. But many insurers also offer additional coverages that can be useful depending on your insurance needs.

Overall, Progressive offers slightly more coverage options. Both companies provide optional roadside assistance, rental car and travel reimbursement, accident forgiveness, gap insurance, deductible modification, rideshare insurance, and custom parts coverage. Additionally, Progressive customers have access to deductible modification coverage, which subtracts $50 from your policy's comprehensive or collision deductible for each six-month auto policy period that you go without an accident or violation.

Coverage Options by Company

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• Coverage

  Available With Esurance?

  Available With Progressive?

• Rental Car and/or Travel Reimbursement

  ✔

  ✔

• Roadside Assistance

  ✔

  ✔

• Custom Parts Coverage

  ✔

  ✔

• Rideshare Insurance

  ✔

  ✔

• Gap Insurance

  ✔

  ✔

• Accident Forgiveness

  ✔

• Deductible Modification

  ✔

Esurance vs. Progressive: Which Is More Financially Stable?

Both Esurance and Progressive are tied when it comes to financial stability as measured by AM Best. Like most large insurance companies, Esurance and Progressive are very stable, which means they're more likely to have enough money to pay out if you have to make a claim than smaller companies.

Esurance vs. Progressive: Online Tools

Both insurers offer online tools to help with the shopping and claims experience, like online applications and mobile apps. Esurance features a free online quote and a simple, efficient application process. Progressive offers educational resources to help customers learn more about insurance topics.

Methodology

Data on car insurance rates comparing Esurance and Progressive are for a 40-year-old male with a full coverage car insurance policy, unless otherwise noted. The policy includes:

• $100,000 on bodily injury liability insurance per person
• $300,000 on bodily injury liability insurance per accident
• $100,000 on property damage liability insurance per person
• Comprehensive and collision insurance with a $1,000 deductible

To evaluate available coverages, discounts and online tools, MoneyGeek collected information from insurer websites and quote tools. To score insurance companies on customer satisfaction and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners (NAIC). Financial stability was measured using financial strength ratings from A.M. Best, a leading insurance credit rating agency.

About the Author

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Source: https://www.moneygeek.com/insurance/auto/esurance-vs-progressive/

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