Progressive vs Allstate

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Progressive, representing 13% of the market share, is one of the country’s largest insurance providers. Founded in 1937, Progressive offers auto insurance, in addition to a wide variety of additional insurance products that include home insurance, renters insurance, condo insurance and health insurance. Additionally, Progressive has a large number of discounts that customers may be able to take advantage of.

Allstate is another large auto insurance provider, with 10% of the market share. The company was founded in 1931, and also offers a wide variety of insurance products that include auto insurance, home insurance, life insurance and off-roading insurance. Additionally, the company offers auto insurance discounts that include new car discount, smart student discount and responsible payer discount.

Progressive vs Allstate: Car insurance rates comparison

Both Progressive and Allstate have an A+ (excellent) financial strength rating from AM Best, an independent rating agency focused on insurance companies. This indicates that both companies are reliable when it comes to paying claims. Allstate’s score in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study was above average for the industry, while Progressive’s score was slightly lower than the industry average.

Based on quotes from Quadrant Information Services, Progressive is able to offer lower annual rates on average for most drivers. Since every driver is unique, we recommend comparing customized quotes, but you can likely expect Allstate to be the more expensive of the two providers, for both minimum and full coverage.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
Progressive 4.1 A+ 856/1,000 $582 $1,509
Allstate 3.6 A+ 876/1,000 $696 $1,921

Rates by credit score

In most states, insurance companies evaluate your credit-based insurance score when determining your premium. The exceptions are California, Hawaii, Massachusetts, Michigan and Washington, which all prohibit auto insurers from using credit information to set your rates.

For all credit brackets, Progressive had cheaper average annual rates for full coverage auto insurance than Allstate. People with excellent credit can expect especially low rates.

Car insurance company Poor Average Good Excellent
Progressive $2,979 $1,629 $1,509 $1,121
Allstate $3,157 $2,312 $1,921 $1,989

Rates by age

The average cost of car insurance is much higher for younger drivers, especially teens. That’s because their inexperience means they’re at greater risk for an accident. If you’re a young driver, you’ll find that it’s typically much cheaper to be added to your family policy, which you can do as long as you still live with your parents or are away at school.

For most driver age profiles, we found the average annual premium for full coverage to be less at Progressive. However, an 18-year-old renter could pay slightly less purchasing a policy with Allstate.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
Progressive $1,955 $6,287 $1,796 $1,668 $1,509 $1,302
Allstate $2,459 $6,152 $2,629 $2,317 $1,921 $1,986

*16-year-old cost when added to parents’ policy, 18-year-old renter

Rates by driving record

Motorists with a clean driving record can expect the lowest rates. If you have a speeding ticket, accident or DUI conviction on your record, you’ll want to compare rates across insurers, since each company weighs these infractions differently. When comparing Progressive vs Allstate, average annual quotes for full coverage car insurance from Progressive were less than for the same coverage at Allstate.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
Progressive $1,509 $1,826 $2,231 $1,933
Allstate $1,921 $2,519 $2,752 $3,763

Progressive vs Allstate: Discounts

Car insurance discounts are a way to potentially reduce your premium. You might qualify for more discounts at one insurance provider than another, so your initial quote isn’t the only factor you should consider when choosing an auto insurer.

Common discounts that both companies offer include multi-policy discounts for bundling home and auto insurance, multi-car discounts for insuring multiple vehicles, payment discounts for paying in full or setting up auto-pay, as well as loyalty discounts. But there are also certain discounts that are unique to each company.

Progressive

  • Homeowner discount: You may be able to save an average of nearly 10% if you own a home, even if you don’t insure your home with Progressive
  • Snapshot safe driver discount: This is a program that rewards you for safe driving based on measurements of your actual driving behavior. Participants could save an average of $146.
  • Teen driver discount: If you add a driver age 18 or younger to your policy, you may be able to earn a small discount.
  • Student discounts: Progressive offers potential discounts for students maintaining a B average as well as for students 22 and younger who are away at school without a vehicle.

Allstate

  • New car discount: You could earn a discount if your car is brand new.
  • Student discounts: Allstate offers three student discounts: One for students who maintain a 2.7 GPA or higher, one for drivers who successfully finish the teenSMART driver education program and one for students who attend school at least 100 miles away while their car is garaged.
  • Milewise: This program is only available in select states, but it allows drivers to pay a low daily rate plus a per-mile rate based on their actual mileage.
  • Drivewise: This is a safe driving program that uses the Allstate app to monitor your driving behavior. You could get a discount for signing up and potentially receive cash back every six months that you drive safely.

Progressive vs Allstate: Online and mobile experience

The online and mobile experience for Progressive and Allstate are comparable. Both have online quoting tools and policy management, as well as a live chat feature for customer service. And both apps have a robust set of tools, from digital ID cards to roadside assistance requests. Progressive’s Name Your Price Tool is unique from other companies, however. This allows you to set a budget after you request a quote, and Progressive will find a policy that fits your needs.

It’s important to note that some user reviews on the App Store and Google Play Store are about the mobile app itself, while others are criticisms of the company. Progressive had far more negative reviews about the auto insurer’s service on the App Store than Allstate. When it came to app operations and efficiency, however, many Android users complained about crashing issues with the Allstate app. Some iPhone users had difficulty with the Drivewise feature as well.

Progressive

The progressive app has features such as digital ID cards and policy information, mobile bill payment, a claims center you can send photos from, in-app access to roadside assistance and quote tools. Progressive also has a separate Snapshot app for its safe driving program.

Allstate

The Allstate mobile app has the Drivewise program built-in. Like Progressive, Allstate offers features like digital ID cards and policy documents, quick claims with photo submissions, bill pay and in-app roadside assistance requests. But Allstate also has a couple of additional features, such as the Allstate Digital Footprint, which helps you identify potential online threats like data breaches. And if you have homeowners or renters insurance with Allstate, you can use Allstate Digital Locker to take inventory of your personal items.

Frequently Asked Questions

Which is cheaper, Allstate or Progressive?

According to our sample rates from Quadrant Information Services across both carriers, Progressive provides cheaper rates on average to almost every type of driver. Drivers with bad credit or infractions on their records will each find that Progressive offers lower rates on average. Rates are more similar between the companies among younger drivers on a solo policy.

Is Allstate better than Progressive for auto insurance?

Allstate has better customer satisfaction ratings with J.D. Power, but customer reviews on third-party websites like Trustpilot, ConsumerAffairs and the BBB were similar. You’ll need to consider your individual needs when choosing between the two companies, since each provider has different offerings.

What is the best way to find cheap car insurance?

Every car insurance company weighs your individual information a little differently when setting your premiums, so it’s important to get customized quotes from a handful of companies before making your decision. You should also take into account your research on the company’s reputation and any special discounts you may be eligible for.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.

Written by
Lindsay Frankel
Insurance Contributor
Lindsay Frankel has three years of experience writing for insurance domains such as Bankrate, Insurify, FinanceBuzz, NextAdvisor, Coverage.com, The Balance and The Simple Dollar. She has covered common insurance product lines such as auto, home, life, renters and small business insurance.
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