Compare Esurance vs. Progressive Insurance

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Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

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Esurance and Progressive are both huge names in the auto insurance industry with strong online presences. Progressive was founded in 1937, and Esurance was founded in 1999. Progressive beat Esurance for the #9 spot on top auto insurers of 2015 on TopTenReviews.com. Progressive also has a lot of unique discounts and driving rewards, a bit more than Esurance. Both companies require comprehensive and collision coverage in order to receive roadside assistance benefits.

Moreover, Progressive and Esurance match up quite closely in terms of financial strength, J.D. Power rankings. According to TheZebra.com, both have A+ user satisfaction scores.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Esurance Progressive
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Worst If Esurance
  • You want excellent roadside assistance
Progressive
  • You don’t want a lot of solicitations

Special Car Insurance Discounts

Esurance Progressive
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance Progressive
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance Progressive
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Esurance Progressive
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance Progressive
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance Progressive
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance Progressive
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance Progressive Car Insurance
2016 48 77
2015 67 153
2014 47 102
2013 43 34

U.S. Auto Insurance Shopping Study (2016)

Esurance Progressive Car Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Average
Pricing Average Below average
Local Agent Average Average
Call Center Representative -- Average
Insurer Website Among the best Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Esurance Progressive Car Insurance
Overall Satisfaction Below average Average
First Notice of Loss Below average Average
Service Interaction Below average Average
Appraisal Below average Average
Repair Process Below average Below average
Rental Car Experience Below average Average
Settlement Below average Average

Financial Strength Ratings

Esurance Progressive Car Insurance
A.M. Best A+ A+
Moody's -- Aa2
S&P's -- AA

Mobile Apps

Esurance Progressive
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the app here.

Roadside Assistance

Esurance Progressive
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.