Progressive vs Erie Car Insurance

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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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Erie VS. Progressive
Credit scoreProgressive avg. annual premiumErie 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.


HIGH-RISK INSURANCE RATE COMPARISON: Erie VS. Progressive
ViolationProgressive avg. annual premiumErie 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..


COMPARING AUTO INSURANCE RATES BY AGE: Erie VS. Progressive
Age tierProgressive avg. annual premiumErie 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 ComparisonProgressiveErie
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonProgressiveErie
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

Other ProductsProgressiveErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveErie
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.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 AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service 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 DiscountsProgressive 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 QuestionsDo 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.
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Will Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAAErie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
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Progressive vs Erie

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