Progressive vs. Erie

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Progressive or Erie: Which Company is Best for You?

Picking a car insurance company can be difficult: rates may vary by location, vehicle, and driving record, and companies offer an array of perks. Progressive and Erie are two of America's most popular insurance companies, providing affordable policies in many states.

In an effort to simplify the process of comparing insurance companies, we collected average policy prices from Erie and Progressive. These take into consideration myriad rating factors, including credit quality, driving history, and age. Compare rates and find your next car insurance policy today.

Seeking additional insights? Check out our full reviews of Progressive and Erie.


Comparing car insurance rates: Progressive vs. Erie


Progressive vs. Erie: by credit level

If you have very bad credit, Erie could be preferable to Progressive. On average, Erie offers more affordable rates than Progressive for prospective clients with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should lean toward Check out average insurance rates by credit score for Erie and Progressive below.

Credit score Progressive avg. annual premium Erie avg. annual premium
Very Poor (300-579) $3,602 $2,402
Fair (580-669) $2,127 $1,040
Good (670-739) $1,708 $894
Very Good (740-799) $1,453 $743
Exceptional (800-850) $1,320 $726

Progressive vs. Erie: costs for high-risk drivers

If you're carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI in your rear view mirror, Erie could be a better choice than Progressive. Every insurance company will handle driving offenses differently, so don't be afraid to shop around to understand which insurer suits you.

Violation Progressive avg. annual premium Erie avg. annual premium
At-fault accident (damage < $1,000) $2,720 $893
At-fault accident (damage > $1,000) $2,245 $772
DUI/DWI $2,201 $1,163
Reckless driving $2,457 $760
Speeding ticket $2,091 $747

Progressive vs. Erie: rates by age

Auto insurance companies rely on age to estimate risk, pricing premiums accordingly. An auto insurance policy is typically expensive for young drivers — because of their inexperience — and relatively affordable for older drivers. Since each insurance company rates age brackets differently, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose Erie before Progressive: the former's average annual rates are $6,010 less than the latter's..

Age tier Progressive avg. annual premium Erie avg. annual premium
Teens $8,248 $2,238
20s $2,287 $1,108
30s $1,646 $1,108
40s $1,644 $755
50s $1,542 $692
60s $1,403 $676

Setting aside cost, Progressive and Erie each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison Progressive Erie
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Ratings Comparison Progressive Erie
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Below average Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Progressive Erie
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
Other Features Progressive Erie
About Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you. Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.
Roadside Assistance Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.
Additional Discounts Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.
Recent Questions Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
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