Progressive and Erie are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, Erie offers the lowest insurance rates compared to Progressive.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage offered by Progressive costs $585 per year, and Erie offers state minimum coverage for $371 annually.
- For customer service, Erie and Progressive earned 3.5 stars out of 5.
- Progressive offers coverages such as vanishing deductible, accident forgiveness, mobile app, and no-drop promise. Erie offers coverages such as - A lock-in rate, pet injury coverage, new car replacement, a mobile app, and accident forgiveness.
- Multi-vehicle, multi-policy, and safe driver are a few discounts Erie and Progressive offer.
Progressive vs Erie: Which one is the cheapest?
If price is what’s most important, Erie is likely going to be the better choice. Erie usually offers lower rates than Progressive. Erie offers full coverage insurance for an average of $1,400 per year and Progressive provides full coverage for $1,852 annually.
The cost of state minimum coverage from Erie is $371 per year and Progressive offers state minimum coverage for $585 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| Progressive | $1,852 | $585 |
| Erie | $1,400 | $371 |
Progressive vs Erie: Rates by age group
Erie has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from Erie, as its rates are lower than Progressive. Erie offers insurance for teenagers at an average of $3,128 per year, whereas Progressive provides insurance to teen drivers for $6,238 annually.
| Age (group) | Progressive | Erie |
|---|---|---|
| Adults | $1,701 | $1,257 |
| Seniors | $1,677 | $1,301 |
| Teens | $6,238 | $3,128 |
| Young adults | $2,446 | $1,879 |
Progressive vs Erie: Rates for high-risk drivers
In our study we found that Progressive is an affordable insurer for most drivers than Erie. Progressive is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,233 and Erie's rates after a DUI/DWI offense is $2,339 per year.
When it comes to finding affordable rates for high-risk drivers, Progressive and Erie are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | Progressive | Erie |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,748 | $1,844 |
| 1 At-fault property damage accident under $2K | $2,714 | $1,723 |
| At-fault bodily injury accident | $2,760 | $1,857 |
| Careless driving | $2,455 | $1,538 |
| DUI/DWI first offense | $2,233 | $2,339 |
| Reckless driving | $2,537 | $1,630 |
| Speeding | $2,260 | $1,551 |
Progressive vs Erie: Customer service and tech friendly
For customer service, Progressive earned 3.5 stars out of 5, while Erie earned 3.5 stars.
Which insurance company provides a better online experience? Both Progressive and Erie offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
Progressive vs Erie: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both Progressive and Erie have a wide range of coverage options. Below table shows the different coverages offered by Progressive and Erie:
Progressive vs Erie: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options Progressive and Erie offer to policyholders, and which carrier fits your needs.
