Progressive vs. Erie: Which one is the cheapest?

Erie costs an average of $346, while Erie has average rates for state minimum coverage of $549.

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

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverageAverage 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 plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $3,737 with Erie, while Progressive charges an average of $7,174 for an adult.

Age groupProgressiveErie
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 violationProgressiveErie
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 are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where Progressive and Erie offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

StateProgressiveErie
Alabama$2,402N/A
Alaska$1,742N/A
Arizona$1,903N/A
Arkansas$2,431N/A
California$2,179N/A
Colorado$2,796N/A
Connecticut$1,708N/A
Delaware$1,999N/A
Florida$2,902N/A
Georgia$1,656N/A
Hawaii$1,279N/A
Illinois$1,412$1,489
Indiana$1,480N/A
Iowa$1,589N/A
Kansas$1,937N/A
Kentucky$2,714N/A
Louisiana$3,065N/A
Maine$1,106N/A
Maryland$1,895$1,685
Massachusetts$2,016N/A
Michigan$2,069N/A
Mississippi$2,131N/A
Missouri$1,960N/A
Montana$2,414N/A
Nebraska$1,964N/A
Nevada$2,482N/A
New Hampshire$1,343N/A
New Jersey$2,187N/A
New Mexico$1,557N/A
New York$1,020$1,814
North Carolina$2,028$1,082
North Dakota$1,403N/A
Ohio$1,626$1,132
Oklahoma$1,194N/A
Oregon$1,765N/A
Pennsylvania$2,193$1,550
Rhode Island$1,841N/A
South Carolina$1,816N/A
South Dakota$3,163N/A
Tennessee$1,550$1,598
Texas$3,032N/A
Utah$1,845N/A
Vermont$926N/A
Virginia$2,120$1,288
Washington$2,554N/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 are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts Progressive and Erie give to their customers.

DiscountsProgressiveErie
Multi policy9%8%
Payment type11%9%
Days advanced purchase4%8%
Daily commuteN/A7%
Lower annual mileage5%7%
Loyalty3%7%
Marital status12%6%
Homeowner4%N/A
Education4%N/A
Electronic funds transfer3%N/A
Safety devices3%2%
Profession14%N/A
Telematics10%N/A
Electronic signature10%N/A
Paperless/electornic documents1%N/A
Air bags1%1%
Anti-theft device0%1%

Always remember to ask about discounts when comparing insurance options to find out 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

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.