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Esurance vs. Progressive
While Esurance is no longer offering new auto insurance policies, current policyholders may find similar strengths in tech-savvy Progressive.
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Disclaimer: Esurance stopped issuing new insurance policies as of March 2023. Policies issued before that time will continue to be serviced by Esurance. As Allstate works to phase out the Esurance brand, some carrier-specific information in this article is subject to change.
Now a subsidiary of Allstate, Esurance was among the first U.S. companies to sell auto insurance directly to consumers via the internet at its founding in 1999. This tech-savvy carrier was one the forefront of the digital insurance age, but it’s now on its way out since Allstate announced plans to phase out the brand in 2019. As of May 2025, Esurance is no longer issuing new policies, and Allstate is offering existing policyholders the chance to transition to other Allstate products at renewal.
Progressive is the second-largest auto insurance company in the U.S, with over 15 percent of the market share in 2023. With coverage in all 50 states and Washington, D.C. and a business strategy geared towards digital policy management, Progressive remains at the forefront of the industry in both size and innovation.
Our verdict
Between Esurance and Progressive, only Progressive is selling new auto insurance policies in the U.S. For current Esurance policyholders seeking a tech-forward carrier offering affordable rates, Progressive could be a good fit. In our Progressive vs. Esurance insurance review, we found a lower rate of complaints and higher number of discounts for Progressive.
Esurance vs. Progressive comparison
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Featured
Esurance
2.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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Progressive
4.4
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Esurance is a fully digital insurance company and a subsidiary of Allstate. As Allstate is phasing out the Esurance brand, current Esurance policyholders may be offered different Allstate policies when their Esurance policy is up for renewal.
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Progressive is the second-largest provider of auto insurance in the U.S. and a leader in digital insurance innovation. Nationwide coverage, highly rated digital tools and affordable average rates for driving with mixed driving records make Progressive an attractive choice for many drivers.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Not writing new auto policies
Strong digital focus
Only a few discounts
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Top-rated digital tools
Multiple coverage add-ons
Low rates for high risk drivers
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $3,261 |
$2,210 |
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AVG MIN COV. AUTO RATE
Average national annual cost of a minimum coverage auto insurance policy
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| $1,292 |
$718 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
672/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A+(Superior) |
A+(Superior) | |
Esurance pros and cons
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Has cheaper rates for excellent credit compared to national average
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User-friendly website and mobile apps
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Wide range of coverage types
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Strong financial backing from Allstate
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New policies are not available
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Overall higher average rates than Progressive
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Not rated in J.D. Power studies
Progressive pros and cons
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Available nationwide
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Overall cheaper average rates than Esurance
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Wide range of discount options
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Automatic discount for Snapshot participation
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20% of drivers see rates increase when participating in SnapShot
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Below-average J.D. Power rating in claims satisfaction
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Below-average J.D. Power customer satisfaction rating in all regions
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Rates may differ between online quotes and agency quotes
Is Esurance cheaper than Progressive?
Rates from Esurance and Progressive vary based on driver profile, including age, location, credit history and driving record. While the table below shows general trends based on the latest data available from Quadrant Information Services, most insurance professionals recommend comparing personalized quotes in order to determine which insurance carrier is cheapest for your profile. Since Esurance no longer issues new auto insurance policies, only existing Esurance policyholders will be able to compare rates between Esurance and Progressive.
| Driver profile | Esurance avg. full coverage premium | Progressive avg. full coverage premium |
|---|---|---|
| Young driver (age 25) | $3,646 | $2,736 |
| Senior driver (age 70) | $3,494 | $2,090 |
| Good driver, good credit | $3,261 | $2,210 |
| Good driver, poor credit | $5,525 | $3,849 |
| Speeding ticket with good credit | $3,493 | $2,860 |
| At-fault accident with good credit | $5,347 | $3,319 |
| DUI conviction with good credit | $4,293 | $3,130 |
Bankrate's take
Keep in mind that not all insurance companies write policies for drivers with DUIs. If you have a DUI conviction — and especially if you have multiple convictions — you may need to request quotes from multiple carriers in order to find a provider willing to work with your record.
Overall, Progressive’s average rates tend to be cheaper than those offered by Esurance, especially for high-risk drivers and young drivers. However, as Allstate phases out its Esurance brand, it’s important for Esurance policyholders to compare personalized quotes before switching to a new carrier.
Esurance vs. Progressive: Discounts
Most car insurance companies, including Esurance and Progressive, offer a variety of discounts that may help drivers get a lower premium. Esurance only has two advertised discounts, while Progressive has over a dozen. Here are some of the car insurance discounts available from these two providers.
Discounts available from both carriers
The first discount advertised on Esurance’s website is DriveSense, a telematics program offering a participation discount as well as potential discounts based on safe driving. Progressive also has a telematics program, called Snapshot, which offers participation and safe driving discounts — but unlike DriveSense, Snapshot can raise your rate if it detects unsafe driving.
Esurance also previously offered a bundling discount to customers who purchased both renters and auto insurance, which would subtract 30 percent of the customer’s renters insurance premium from their auto premium. Progressive’s bundling discounts apply to multiple products, such as home, boat, RV and other types of insurance, and typically offer a bigger premium reduction.
Esurance discounts
Besides DriveSense and bundling discounts, Esurance doesn’t offer any other auto insurance discounts, possibly because it no longer sells new auto insurance policies.
Progressive discounts
Progressive provides a long list of discounts on its website, making it a strong alternative for Esurance customers who want to lower their premiums:
- Student discounts: Progressive offers discounted rates both to high school and college students with a B average or better and to college students attending school at least 100 miles from home.
- Homeowner discount: Progressive policyholders who own a home can earn discounted auto rates, even if the home is not insured through Progressive.
- Multi-car discount: Progressive auto policies to cover multiple vehicles are eligible for discounts.
- Paperless/autopay discounts: If you opt to receive documents online and/or turn on autopay, you could be eligible for two separate discounts in most states.
- Online quote discount: Drivers who get an insurance quote online may save up to 7 percent on their premium.
- Continuous insurance discount: Progressive may provide a discount based on the length of time a new customer was insured with their old provider.
- Teen driver discount: Progressive advertises a potential discount when parents, who have had Progressive for more than a year, add a driver who is 18 years old or under to their policy.
- Pay in full discount: Drivers outside of California who pay their annual premium upfront may be eligible for a discounted rate.
Esurance and Progressive telematics programs
Participating in a carrier’s telematics program can sometimes offer great savings. Telematics programs use an app or in-car device to monitor your driving habits in real time and adjust your rate accordingly. If you avoid high-risk driving habits like speeding and hard braking, you may enjoy lower rates. Here is an overview of the telematics programs available from Progressive and Esurance.
| Esurance DriveSense | Progressive Snapshot | |
|---|---|---|
| Device | Mobile app | Mobile app or device |
| Can it raise your rate? | Rate can only decrease | Rates can increase or decrease |
| Availability | Available in 35 states | All states except California; discount availability varies by state |
| Discount |
Up to 5% for signing up. Additional discount possible depending on driving habits |
Average participation discount: $169 Average completion discount: $231 |
| What it monitors | Braking, acceleration, time of day, speed, cornering, trip duration, location | Braking, acceleration, speed, location, phone use, time of day driving, miles traveled |
Esurance vs Progressive: customer experience comparison
If you’re a current Esurance customer who values digital tools, a move to Progressive may be right for you. Although both companies perform well in iOS ratings, Progressive has slightly better ratings from both Google Play and Apple users. Progressive also came in first place in the service category in the J.D. Power 2024 Insurance Digital Experience Study, and also earned an above-average score for shopping. However, it got a below-average rating in the 2024 Auto Claims Satisfaction Study. While the industry average score is 697, Progressive earned a score of just 672. Esurance did not rank in either J.D. Power study.
| Esurance | Progressive | |
|---|---|---|
| App Store | 4.8 of 5 | 4.8 of 5 |
| Google Play Store | 4.3 of 5 | 4.6 of 5 |
| J.D. Power claims satisfaction | N/A | 672/1,000 |
Customer complaints
In order to understand how many customer complaints each carrier gets, we looked at the NAIC Complaint Index for both companies. The National Association of Insurance Commissioners (NAIC) tracks customer complaints for all U.S. insurers and compares them to the average rate of complaints based on company size. The resulting number — scored from an industry average of 1.00 — reflects complaint rates each year. Numbers above 1.00 indicate a high rate of complaints; numbers below 1.00 speak to satisfactory customer service.
Esurance auto insurance customer complaints
Esurance’s NAIC Complaint Index score indicates that it gets a high number of complaints for its size. While the company’s complaint index fell in 2024, it was still nearly five times what would be expected given its market share. In 2022 and 2023, Esurance had a complaint index of more than 8, which is very high when compared to most competitors.
Progressive auto insurance customer complaints
Progressive gets fewer complaints than expected given its large market share. In the last three years, the company has had a complaint index below 1.0. This indicates a strong ability to process customer claims effectively and keep policyholders generally satisfied.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
