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Progressive Vs. Allstate

After we compared the two insurers on coverage, cost, and customer experience, Progressive edges out Allstate with a score of 4.3 out of 5.0 to 4.1.

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09/21/2023 08:58 PM

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Every car insurance provider has unique pros and cons, including industry giants like Progressive and Allstate. To help you pick the right insurance for you, we’ve reviewed these providers side by side, along with some of the best car insurance companies on the market.

We’ll compare Progressive vs. Allstate in terms of coverage, discounts, customer experiences, and more. Even though we’ll look at general costs between the two companies, we still recommend comparing car insurance quotes yourself to get the best prices for you.

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Progressive Vs. Allstate Review

When we compare Allstate and Progressive, Progressive ranks higher overall–mostly because it’s slightly more affordable than Allstate. However, Allstate offers extensive coverage options with savings opportunities for all kinds of drivers.

Rating CategoriesProgressiveAllstate
Overall4.34.1
Reliability44.7
Coverage4.44.4
Cost4.43.3
Service4.34.3

*Ratings are out of five points.

Our high ratings of Progressive and Allstate are chiefly because of their sizes and notoriety. Progressive ranks third on the National Association of Insurance Commissioners’ (NAIC) list of premiums written in 2021, taking up nearly 14 percent of the car insurance market. Allstate ranks right behind it in fourth place, with a 10 percent market share.


Comparing Progressive Vs. Allstate Car Insurance

Both Progressive and Allstate have long histories and good reputations. These providers have strong financial capability according to AM Best, which means you don’t have to worry about the company being able to pay claims out. While Progressive has an F rating from the Better Business Bureau (BBB), it does outperform Allstate in terms of claims service in the latest J.D. Power study.

ProgressiveAllstate
Years in Business85 Years91 Years
AM Best Financial Strength RatingA+A+
BBB RatingFA+
J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM Score862 out of 1,000870 out of 1,000
Our AwardBest Usage-Based InsuranceBest Local Agents

Progressive: Quick Highlights

Some of Progressive’s highlights include its:

  • Wide selection of coverage options
  • Great usage-based insurance discount
  • Highly rated mobile app on both Google Play and the App Store

You can explore this provider separately in our in-depth Progressive insurance review.

Allstate: Quick Highlights

Some of Allstate’s highlights include its:

  • Personalized experience with local agents
  • Claim Satisfaction Guarantee
  • 11 discount opportunities

To know how this provider stands on its own, take a look at our Allstate insurance review.


Progressive Vs. Allstate Coverage

Allstate and Progressive have coverage options available to fit your needs–whether that’s a full-coverage policy, minimum-liability insurance, or a usage-based safe driving application.

Both companies offer same-day insurance, as well homeowners, renters, and motorcycle insurance. You can also bundle insurance policies together at either company, which can help you save on your premiums.

Here are the most common insurance products available from Progressive and Allstate:

Insurance TypeProgressiveAllstate
Bodily injury liability (BI) insurance
Property damage liability (PD) insurance
Collision insurance
Comprehensive insurance
Medical payments (MedPay) coverage
Personal injury protection (PIP)
Uninsured/underinsured motorist (UM/UIM) coverage
Roadside assistance
Rental car coverage
Rideshare insurance
Accident forgiveness
Travel expense coverage
Sound system insurance
Custom parts and equipment value
Usage-based insuranceAvailable in 49 statesAvailable in 49 states

*Certain coverages may not apply to all states.

Progressive Vs. Allstate: Usage-Based Insurance Comparison

Both Progressive and Allstate have usage-based insurance plans. Progressive offers Snapshot®, which is available in all states except California, while Allstate has two plans: Drivewise® and Milewise.

Drivewise and Snapshot are similar because they both track your driving habits, like:

  • Speeding
  • Acceleration
  • Braking
  • Driving at night
  • Using your phone while driving

Snapshot can raise your premium if the telematics system tracks unsafe driving habits. If Drivewise detects the same unsafe habits, your rate will stay the same, but you’ll miss out on the possible discounts. Drivewise also has a crash-detection service in its program that allows you immediate access to 911 services, roadside assistance, or claim application forms.

Allstate’s Milewise differs from the other programs by one key factor. As a pay-per-mile program, it only tracks the number of miles you drive, so you only have to pay for as much as you drive.

Allstate DrivewiseAllstate MilewiseProgressive Snapshot
DiscountVariesVariesAverage of $156 per year
Can It Raise Your Rates?NoDepends on how much you drive per dayYes
DeviceMobile appMobile app or plugin deviceMobile app or plug-in device

It’s important to note that all three usage-based insurance programs only track your current driving habits–not your driving record.


Progressive Vs. Allstate: Cost

Allstate’s standard car insurance policy is generally more expensive than the same coverage from other top competitors, including Progressive. Its premiums are higher for people with clean driving histories and those with points on their records.

For a 35-year-old with a good driving record, the national average for full-coverage car insurance at Progressive is $1,611 per year while Allstate’s estimated annual cost is $2,088. For a minimum-coverage insurance plan, Progressive’s national average is $687 per year while Allstate’s is $725.

Full-Coverage Annual AverageMinimum Coverage Annual Average
Progressive$1,611$687
Allstate$2,088$725

In the table below, you can see how these annual insurance costs for full-coverage policies match up to other top competitors in the industry. Allstate is above the market average of $1,730 per year, which is partly why we rate it 3.3 out of 5.0 stars for affordability.

While not the cheapest car insurance option on the market, Progressive still falls below the average national rate, so we give it 4.4 out of 5.0 stars for cost.

Insurance ProviderNational Full-Coverage Annual Average
USAA$1,054
Nationwide$1,281
Geico$1,308
State Farm$1,481
American Family Insurance$1,537
Progressive$1,611
Travelers$1,669
Allstate$2,088
Farmers$2,140

Cost By Driving Profile

For drivers with certain incidents in their driving history, Allstate is more expensive than Progressive in every instance on average. That’s especially true if you have a DUI or one or more accidents on your driving record. The average rates below are based on 35-year-old male drivers.

Progressive Annual AverageAllstate Annual Average
Speeding: 16-20 MPH Over Limit$2,311$2,746
Stop Sign Violation$2,477$2,738
DUI$2,328$3,582
One Accident$2,822$3,598
Two Accidents$3,977$4,724

Allstate Vs. Progressive Discounts

Progressive is more affordable in general when compared to Allstate, but Allstate could be cheaper depending on which savings opportunities you’re eligible for. Both companies offer a wide range of discounts to help lower your payment.

Allstate offers additional discounts that Progressive doesn’t, like for new vehicles or having an anti-theft device.

Progressive DiscountsAllstate Discounts
Multi-policy
Multi-vehicle
Continuous insurance
New vehicle
Accident-free driver✓*
Good student
Driver’s education
Student away at school
Anti-theft device
Anti-lock brakes
Early signing
Responsible payer
Full payment
Safe driving club
Teen driver
Homeowner
Online quote
Sign online
Paperless
Automatic payments

*Allstate’s Safe Driving Club discount counts as its accident-free discount.


Allstate Vs. Progressive: Customer Experience

As two of the largest insurance companies, Progressive and Allstate have millions of customers. Both companies have a low BBB customer review rating, but it’s important to note that those negative review ratings only account for a small percentage of Progressive’s and Allstate’s total customer bases.

ProgressiveAllstate
BBB ScoreFA+
BBB Customer Review Rating1.1 out of 5.01.1 out of 5.0

Customer Satisfaction Scores

According to the J.D. Power 2022 U.S. Insurance Shopping Study℠, Allstate scored an 854 out of 1,000, while Progressive scored an 859 out of 1,000. Both are below the large companies’ industry average of 863 out of 1,000, however each ranks sixth and fourth in the industry, respectively.

Customer Ratings: Google Play And App Store

Progressive’s and Allstate’s mobile apps performances help showcase customer satisfaction. Allstate’s mobile app has a 4.8-star rating out of 5.0 on the App Store and a 4.0-star rating on Google Play. Meanwhile, Progressive’s mobile app has 4.8 stars on the App Store and 4.7 stars on Google Play.

Progressive Vs. Allstate: Customer Survey

We surveyed nearly 7.000 customers on their experiences with their car insurance providers. Both Progressive and Allstate scored the same on all categories except for affordability, where Progressive has a slight edge.

In the survey, we asked consumers how likely it was that they would recommend their auto insurance companies to friends and family. Progressive scored a 7.5 out 10.0–slightly better than Allstate, which scored a 7.4.

Survey TopicProgressive ScoreAllstate Score
Overall Satisfaction4.14.1
Affordability3.73.6
Coverage Selection3.93.9
Customer Service From Agents44
Claims Service4.14.1

*Scores are out of 5.0 points.


Progressive Vs. Allstate: Conclusion

Progressive comes out on top mainly due to its affordability when compared to Allstate. However, both companies have solid coverage options with many discount opportunities and decent service ratings.

Other Recommendations For Car Insurance

Progressive and Allstate are two great options for car insurance, but they might not be the right fit for you. It’s important to look at other options before deciding on your provider. State Farm and USAA are two other companies to compare auto insurance quotes with.

State Farm: Best Overall Provider

State Farm is our top choice for car insurance largely because of its extensive nationwide network of local agents. This makes it easy for drivers to get coverage and have close access to agents if they need assistance.

State Farm is also perfect for young drivers in their teens and early 20s. In addition to State Farm having the best student discount in the nation, its Steer Clear® program also helps young and high-risk drivers save on their rates when they practice safe driving habits.

Keep reading: State Farm insurance review

USAA: Best For Military Members

USAA’s services are only for military members, veterans, and their families, so not everyone can qualify for the company’s excellent rates. However, this provider is a great option if you qualify.

USAA consistently has some of the best rates in the nation and for all kinds of drivers. In addition to USAA’s record of top-notch customer service, its usage-based insurance SafePilot® tracks driving habits and gives discounts for safe drivers.

Keep reading: USAA insurance review

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Progressive Vs. Allstate: FAQ

Which is cheaper: Allstate or Progressive?

Overall, Progressive has cheaper average car insurance rates than Allstate. The average national cost for full-coverage auto insurance at Progressive is $1,611 per year, while Allstate is $2,088 per year. However, with its long list of discounts, Allstate can be a cheaper option for some drivers.

Are Allstate and Progressive the same?

No, Allstate and Progressive are separate publicly traded companies. However, Progressive works with independent insurance agents who are able to sell policies from multiple companies to customers.

Is Allstate good at paying claims?

Allstate is good at paying claims. Allstate has an A+ or Superior rating from AM Best, an organization that evaluates a company’s financial strength and ability to pay out claims.

Why is Progressive so much cheaper?

Progressive can be cheaper compared to other providers (such as Allstate and Farmers) because of its discounts and other savings opportunities. Progressive is also known for having more affordable premiums for high-risk drivers who have had incidents on their driving records.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.