Esurance vs Progressive
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Esurance vs. Progressive: Which Insurance Provider is Best for You?
As the owner of Blake Insurance Group, I help clients navigate the world of insurance to find policies that best fit their needs. Esurance and Progressive are two well-known insurance companies, both offering a range of coverage options, competitive pricing, and online convenience.
While Progressive is known for its affordability, telematics program, and flexible pricing tools, Esurance (a subsidiary of Allstate) is recognized for its fully digital insurance experience and streamlined claims process. Below, We’ll compare their coverage options, pricing, claims handling, customer service, unique features, availability, and reputation to help you make an informed decision.
Coverage Options
Both Esurance and Progressive offer standard auto, home, and renters insurance policies, but they have some differences in optional coverages.
Esurance Coverage Options
- Auto Insurance: Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments (MedPay), and personal injury protection (PIP)
- Custom Parts & Equipment Coverage: Protects aftermarket modifications
- Rental Car Reimbursement: Covers the cost of a rental while your vehicle is being repaired
- Emergency Roadside Assistance: Available for towing, battery jumps, and lockout services
- Homeowners Insurance: Offers dwelling, personal property, liability, and loss of use coverage
Progressive Coverage Options
- Auto Insurance: Standard liability, collision, and comprehensive coverage
- Snapshot® Telematics Program: Provides discounts based on driving habits
- Rideshare Insurance: Covers Uber and Lyft drivers
- Accident Forgiveness: Helps prevent rate increases after an accident
- Home Insurance: Often underwritten by third-party insurers, but offers customizable coverage
Key Takeaway: Esurance is great for tech-savvy drivers looking for a digital-first insurance experience, while Progressive is better for those wanting usage-based discounts and rideshare coverage.
Pricing and Discounts
Insurance rates depend on location, driving record, credit score, and coverage selections, but Progressive generally offers lower base rates than Esurance.
Esurance Pricing & Discounts
- DriveSense® Telematics Program rewards safe driving
- Multi-policy discount for bundling home and auto insurance
- Claim-free and defensive driver discounts
- Good student and multi-car discounts
Progressive Pricing & Discounts
- Snapshot® Telematics Program provides personalized discounts based on real-time driving behavior
- Multi-car, multi-policy, and continuous insurance discounts
- Homeowner discount (even if you don’t insure your home with Progressive)
- Accident forgiveness program
Key Takeaway: Progressive generally offers lower rates and more discount opportunities, while Esurance provides strong discounts for safe drivers and multi-policy customers.
Claims Process
Having a fast and efficient claims process is crucial when selecting an insurer. Both Esurance and Progressive offer 24/7 claims support, but they differ in customer satisfaction and claims processing speed.
Esurance Claims Process
- 24/7 online and mobile claims filing
- Esurance RepairView® allows customers to track repairs online
- Quick and automated claims handling
Progressive Claims Process
- 24/7 claims support with online tracking tools
- Concierge repair program connects customers with approved repair shops
- Some customers report slower claim resolutions
Key Takeaway: Esurance offers a more digital claims experience, while Progressive provides more in-person repair assistance but has mixed reviews on claims speed.
Customer Service
Esurance Customer Service
- Fully digital experience with AI-driven customer support
- No in-person agents, which may be a drawback for some customers
- Higher satisfaction for digital self-service tools
Progressive Customer Service
- Direct-to-consumer model with AI chatbot assistance
- 24/7 phone and online support
- Some customers report difficulty reaching a live agent
Key Takeaway: Esurance is best for customers who prefer managing everything online, while Progressive offers more phone-based customer service support.
Unique Features
Esurance Unique Features
- DriveSense® Telematics Program: Discounts for safe driving behavior
- Esurance RepairView®: Lets policyholders track vehicle repairs online
- Esurance Express Lane®: Fast-tracks claims processing for certain cases
Progressive Unique Features
- Snapshot® Telematics Program: Customizes rates based on driving habits
- Name Your Price® Tool: Helps customers find policies that fit their budget
- Rideshare Coverage: Ideal for Uber and Lyft drivers
Key Takeaway: Esurance excels in digital claims management and tech-driven policy handling, while Progressive stands out with flexible pricing tools and telematics-based discounts.
Availability
- Esurance: Available in 43 states, but has reduced its coverage in some areas.
- Progressive: Available nationwide in all 50 states, but home insurance may be underwritten by third-party providers.
Key Takeaway: Progressive has wider availability, making it a better choice for those who move frequently or need coverage in multiple states.
Reputation and Reviews
Both companies are financially strong, but they differ in customer satisfaction ratings and claims handling.
Esurance Reputation
- A+ (Superior) rating from A.M. Best for financial strength
- High ratings for digital convenience and claims tracking
- Mixed reviews on claims resolution speed
Progressive Reputation
- A+ (Superior) rating from A.M. Best for financial strength
- Highly rated for affordability and digital policy management
- Mixed reviews on claims processing times
Key Takeaway: Esurance is best for digital-first customers, while Progressive is better for affordability and high-risk drivers.
Final Verdict: Which One is Better?
The best insurance provider between Esurance and Progressive depends on your coverage needs, budget, and preference for digital or agent-based service.
Choose Esurance if:
✔️ You want a fully digital insurance experience with online policy management
✔️ You prefer quick claims processing with digital tracking tools
✔️ You need a strong bundling discount for home and auto policies
Choose Progressive if:
✔️ You want lower rates and usage-based pricing discounts
✔️ You prefer online policy management but still want phone support
✔️ You are a high-risk driver or need rideshare insurance
Both Esurance and Progressive offer strong financial backing and competitive insurance options, but Esurance is ideal for tech-savvy policyholders who want a digital-first experience, while Progressive is better for cost-conscious drivers who want flexible pricing and telematics discounts.
Still unsure which is right for you? Contact Blake Insurance Group today for a personalized quote and expert advice! 🚗🏡
Esurance vs. Progressive - Frequently Asked Questions
Progressive generally offers lower base auto insurance rates compared to Esurance. Progressive’s average monthly premium is around $104, while Esurance’s average is $118. However, Esurance may provide more savings for safe drivers through its DriveSense® telematics program.
Both companies receive mixed customer satisfaction ratings. According to J.D. Power’s Auto Insurance Study, Progressive is ranked average in overall customer satisfaction, while Esurance scores well for digital experience but has mixed reviews on claims processing.
Both Esurance and Progressive provide a variety of discounts:
✔ Esurance Discounts: DriveSense® Telematics Program – Rewards safe driving habits, Multi-policy discount for bundling auto and home insurance, Fast 5® Discount – A 5% discount for starting a quote online, Good driver and multi-vehicle discounts.
✔ Progressive Discounts: Snapshot® Telematics Program – Tracks real-time driving behavior for potential savings, Multi-car, multi-policy, and continuous insurance discounts, Accident forgiveness program for qualifying drivers, Homeowner discount (even if your home is not insured with Progressive).
Progressive is generally a better choice for high-risk drivers, such as those with DUIs, at-fault accidents, or speeding violations. Esurance has stricter underwriting policies, which may make it less affordable for high-risk drivers.
Esurance offers larger bundling discounts when combining home and auto insurance policies, as it is owned by Allstate. Progressive also offers bundling discounts, but since Progressive partners with third-party insurers for home insurance, the bundling savings may not be as high.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
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