Progressive vs. Erie: Which offers the cheapest auto insurance rates?

Progressive vs. Erie: Which one is the cheapest?

Erie state minimum coverage costs an average of $346 annually, while Progressive costs $549.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Erie costs an average of $1,480. Progressive costs more at an average of $1,998.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Progressive	$1,998	$549	$709
Erie	$1,480	$346	$415

Progressive vs. Erie: Rates by age group

For teens – one of the most expensive age groups to insure – Erie has the cheapest rates, coming in at $3,737 per year. Progressive costs an average of $7,174 for a teen driver.

Age affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.

For example, adults pay an average of $1,494 with Erie, while Progressive costs $2,009 for an adult, on average.

Age group	Progressive	Erie
Teens	$7,174	$3,737
Young adults	$3,242	$2,369
Adults	$2,009	$1,494
Seniors	$2,000	$1,541

Progressive vs. Erie: Rates for high-risk drivers

Progressive has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, Progressive is more affordable, with average rates of $2,707.

Check the table below to see how Progressive rates compare to Erie rates.

Type of violation	Progressive	Erie
1 At-fault property damage accident over $2K	$3,119	$2,046
1 At-fault property damage accident under $2K	$3,103	$1,970
At-fault bodily injury accident	$3,126	$2,079
Careless driving	$2,936	$1,728
DUI	$2,707	$2,869
Reckless driving	$2,982	$1,908
Speeding	$2,650	$1,750

Progressive vs. Erie: Rates in your state

Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for Progressive and Erie. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

State	Progressive	Erie
Alabama	$2,402	N/A
Alaska	$1,742	N/A
Arizona	$1,903	N/A
Arkansas	$2,431	N/A
California	$2,179	N/A
Colorado	$2,796	N/A
Connecticut	$1,708	N/A
Delaware	$1,999	N/A
Florida	$2,902	N/A
Georgia	$1,656	N/A
Hawaii	$1,279	N/A
Illinois	$1,412	$1,489
Indiana	$1,480	N/A
Iowa	$1,589	N/A
Kansas	$1,937	N/A
Kentucky	$2,714	N/A
Louisiana	$3,065	N/A
Maine	$1,106	N/A
Maryland	$1,895	$1,685
Massachusetts	$2,016	N/A
Michigan	$2,069	N/A
Mississippi	$2,131	N/A
Missouri	$1,960	N/A
Montana	$2,414	N/A
Nebraska	$1,964	N/A
Nevada	$2,482	N/A
New Hampshire	$1,343	N/A
New Jersey	$2,187	N/A
New Mexico	$1,557	N/A
New York	$1,020	$1,814
North Carolina	$2,028	$1,082
North Dakota	$1,403	N/A
Ohio	$1,626	$1,132
Oklahoma	$1,194	N/A
Oregon	$1,765	N/A
Pennsylvania	$2,193	$1,550
Rhode Island	$1,841	N/A
South Carolina	$1,816	N/A
South Dakota	$3,163	N/A
Tennessee	$1,550	$1,598
Texas	$3,032	N/A
Utah	$1,845	N/A
Vermont	$926	N/A
Virginia	$2,120	$1,288
Washington	$2,554	N/A
Washington, D.C.	$1,488	$1,581
West Virginia	$1,825	$1,709
Wisconsin	$2,128	$1,313

Progressive vs. Erie: Which offers better discounts?

Discounts matter to insurance customers and can significantly lower yearly costs. Below are some discounts Progressive and Erie offer their customers.

Discounts	Progressive	Erie
Multi policy	9%	8%
Payment type	11%	9%
Days advanced purchase	4%	8%
Daily commute	N/A	7%
Lower annual mileage	5%	7%
Loyalty	3%	7%
Marital status	12%	6%
Homeowner	4%	N/A
Education	4%	N/A
Electronic funds transfer	3%	N/A
Safety devices	3%	2%
Profession	14%	N/A
Telematics	10%	N/A
Electronic signature	10%	N/A
Paperless/electornic documents	1%	N/A
Air bags	1%	1%
Anti-theft device	0%	1%

Always ask about discounts when comparing insurance options to see what you might qualify for.

Progressive vs. Erie: The bottom line

Both Progressive and Erie are good insurance companies, but if cheaper rates are your top priority, Erie might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: