Erie vs Progressive
Last updated July 2026
Erie
Above all in service since 1925
Advantages
- Top-tier J.D. Power scores for customer satisfaction and claims in its regions
- Rate Lock keeps your premium from changing year over year unless you change your policy
- First Accident Forgiveness included as standard on many policies
- Diminishing deductible reduces your deductible each claim-free year
- New car protection replaces a totaled car with a comparable current-year model
Drawbacks
- Only available in 12 states plus DC, mostly Mid-Atlantic and Midwest
- Quotes must go through an independent Erie agent, no direct online purchase
- Digital tools are functional but trail Progressive and Geico
Progressive
Name your price
Advantages
- Snapshot telematics can deliver large discounts for safe drivers
- Competitive rates for high-risk, young, and SR-22 drivers
- Name Your Price tool helps find coverage that fits your budget
- Comparison tool shows competitor rates alongside Progressive's
- Strong bundling options including boat, motorcycle, and RV
Drawbacks
- Base rates without Snapshot can be higher than Geico
- Customer service satisfaction scores trail some competitors
- Snapshot can increase your rate if you have poor driving habits
- Claims process satisfaction is middling in surveys
Erie and Progressive both play in auto insurance, but they're aimed at different buyers. Erie is built for drivers in Erie's 12 states who want top-rated service and Rate Lock predictability. Progressive is built for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Erie | Progressive |
|---|---|---|
| Typical Monthly Cost | Avg $110-$165/mo before bundling | $130-$160/mo national average |
| Quote Process | Independent agent, quote requests online | Online with competitor comparison tool |
| Available Discounts | Multi-policy, safe driver, Rate Lock, YoungRider, reduced usage | Snapshot, multi-policy, homeowner, paid-in-full |
| Claims Experience | 24/7 phone, agent-assisted, app for basic claim submission | App, phone, local adjusters in some areas |
| Customer Support | Independent agents, phone, limited chat | -- |
| Coverage Options | Liability, collision, comprehensive, rideshare, roadside, new car protection | -- |
| Mobile App Quality | Basic, ID cards, payments, simple claim start | Good, Snapshot integration, policy management |
| Bundling Options | Auto, home, renters, life, umbrella | Direct, auto, home, boat, motorcycle, RV |
| Telematics Program | -- | Snapshot, mature, well-proven program |
| High-Risk Drivers | -- | Strong, one of the best for high-risk drivers |
Erie Wins
Erie takes it overall (9/10 vs 8/10), but Progressive is still the sharper pick for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts.
Erie's standout strength: Top-tier J.D. Power scores for customer satisfaction and claims in its regions. Its biggest drawback (only available in 12 states plus DC, mostly Mid-Atlantic and Midwest) is easier to live with than Progressive's (base rates without Snapshot can be higher than Geico). Progressive isn't out of the running though — its own standout strength is snapshot telematics can deliver large discounts for safe drivers. If you fit the profile of high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts, that alone can flip the decision.
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