Allstate Car Insurance vs. Progressive Car Insurance (2024) (2024)

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130

Providers ReviewedOur team looked at over 100 of the top auto insurance providers in the U.S., from national providers like USAA, Travelers and State Farm to regional providers like Erie Insurance.

8,500

Data Points AnalyzedTo properly score each auto insurance provider, we looked at cost data, claims processes, customer review scores, industry standing, available discounts, coverages and add-ons.

800

Research HoursOur team put in the time so you don’t have to, evaluating cost data, reading customer reviews and researching companies to determine the most reliable options for coverage.

8,500

Customers SurveyedWe asked thousands of customers to describe their experience with their auto insurance provider to understand how real customers feel about their insurers.

Learn more about our methodology and editorial guidelines.

Is Allstate or Progressive Better?

When comparing Allstate vs. Progressive, we rate Progressive higher in several review categories and have found that it’s a cheaper option for most drivers. Progressive has comprehensive coverage offerings and mostly positive customer reviews, although Allstate scores better during the claims process.

Compare Allstate vs. Progressive

You can compare the ratings we gave Allstate and Progressive below based on the methodology we use to rank insurance companies.

AllstateProgressive
Overall Rating8.89.0
Reputation9.59.5
Availability10.010.0
Coverage9.29.5
Cost7.47.8
Customer Experience8.78.7

When looking at Allstate vs. Progressive, both companies have long histories and strong industry ratings. AM Best has awarded both companies with an A+ financial strength rating.However, Allstate has a better rating from the Better Business Bureau (BBB) than Progressive.

Allstate and Progressive are also two of the largest car insurance companies in the country. According to the National Association of Insurance Commissioners (NAIC), Progressive is the third-largest auto insurance company in the U.S., and Allstate is the fourth-largest. Both companies handle tens of billions of dollars in written premiums each year.

AllstateProgressive
Year Established19311937
Availability50 states50 states
AM Best Financial Strength RatingA+A+
Better Business Bureau (BBB) RatingAA+
J.D. Power 2022 U.S. Auto Claims Satisfaction StudySM Score889 out of 1,000861 out of 1,000

Allstate insurance highlights include:

  • Above-average claims service rating
  • 15 discounts including good driver, new vehicle and good student discounts
  • Extras like travel expense coverage and sound system coverage

Find out more about Allstate’s services in our Allstate insurance review.

Progressive highlights include:

  • Highly rated mobile app
  • 12 discounts including homeowner and continuous insurance discounts
  • Custom parts and equipment coverage

Find out more about services in our Progressive insurance review.

Allstate vs. Progressive Coverage

As Allstate and Progressive are both leading auto insurance companies, you can likely find the coverage you need with either company, whether it’s a basic liability policy, usage-based coverage or even same-day insurance. Both providers offer other insurance products too like classic car insurance, as well as motorcycle, business, renters and homeowners insurance.

Allstate and Progressive Coverage Comparison

Here’s an overview of auto coverage with Allstate and Progressive:

AllstateProgressive
Bodily Injury Liability (BI)
Property Damage Liability (PD)
Collision
Comprehensive
Medical Payments (MedPay)
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist (UM/UIM)
Roadside Assistance
Rental Car Reimbursem*nt Coverage
Rideshare Insurance
Usage-Based InsuranceAvailable in 48 states*
Accident Forgiveness
Travel Expense Coverage
Sound System Insurance
Custom Parts and Equipment Value

*Accurate at time of publication.

The one thing Allstate offers that Progressive lacks is trip interruption reimbursem*nt. If you get Allstate’s roadside assistance membership plan, you can get reimbursem*nt for food and lodging if you have a breakdown or accident far away from home.

Allstate also offers separate sound system insurance to cover things like speakers and aftermarket audio equipment. Progressive can cover these items under its custom parts and equipment option, which extends to other aftermarket accessories including paint and rims.

Usage-based Insurance Comparison

Allstate and Progressive both offer usage-based insurance programs. Allstate’s program is called Drivewise®, and Progressive’s is Snapshot®. These programs award discounts based on your current driving habits, not your driving record. Each program is a bit different, but they both track basic things like speed, acceleration, braking and the time of day you drive.

One big difference between Allstate and Progressive’s usage-based programs is that Snapshot can raise your rates if you practice poor driving habits. On the other hand, if you don’t drive safely using the Drivewise program, it just won’t give you a discount. How much you can save depends on your driving, but Progressive’s website says its drivers save an average of $145 per year after joining Snapshot. Allstate doesn’t disclose the maximum discount.

Allstate DrivewiseProgressive Snapshot
DeviceMobile app or plugin deviceMobile app or plugin device
Can It Raise Your Rate? NoYes
AvailabilityMost statesAll states except California and North Carolina
DiscountVariesAverage of $156 per year
What It MonitorsSafe speed, braking, time of day driven, mileage (plugin device only)Speed, time of day, miles driven, acceleration, braking, location, phone usage while driving

Allstate vs. Progressive Cost

Between Allstate vs. Progressive, we found that Progressive typically offers more affordable auto insurance quotes for most drivers. This includes people with good driving records and people who have points on their records.For 35-year-old drivers with good driving records, Progressive costs about $2,030 per year while Allstate costs about $2,598 per year.

In terms of car insurance costs, Allstate is more expensive than other top competitors like Progressive, Geico and State Farm. In the category of affordability, we rate Progressive 7.8 out of 10.0 stars and Allstate 7.4 out of 10.0 stars.

Below, you can see how Progressive and Allstate rank on cost compared to different insurance providers.

Allstate Car Insurance vs. Progressive Car Insurance (2024) (3)

Progressive vs. Allstate Car Insurance Discounts

Even though Allstate is more expensive on average,it’s still possible that Allstate could be cheaper for you, as discounts differ between the companies. For example, Allstate offers a new vehicle discount, but Progressive does not. On the other hand, Progressive offers a discount for owning a home, and Allstate does not.

Allstate DiscountsProgressive Discounts
Multi-Policy
Multi-Vehicle
New Vehicle
Homeowner
Good Student
Good Driver
Teen Driver
Driver’s Education
Student Away at School
Anti-Theft Device
Anti-Lock Brakes
Early Signing Discount®
Responsible Payer
Autopay
Pay-in-Full
EZ Pay Plan
Paperless Billing
Safe Driving Club
Continuous Coverage
Online Quote
Sign Online

Progressive has some extra money-saving features on top of its discount opportunities. These include:

  • Deductible savings bank: $50 is subtracted from your comprehensive or collision deductible for every policy period without an accident or violation (requires an additional fee to opt-in).
  • Small accident forgiveness: Progressive won’t raise your rates after the first claim if it’s below $500.
  • Large accident forgiveness: If you have a Progressive policy for five years and stay accident-free for three, your rates will not increase after an accident.

Allstate vs. Progressive Customer Experience

Allstate and Progressive both have millions of customers, and most of those customers have positive experiences with each company. According to the J.D. Power 2022U.S. Auto Claims Satisfaction Study, both companies scored around the industry average of 873 out of 1,000 points. Allstate scored 870 and Progressive scored 889. That said, the majority of customers had positive experiences overall.

Both companies have low customer satisfaction ratings on the BBB, which isn’t uncommon for the insurance industry. Progressive insurance reviews rate the company with nearly 1.1 out of 5.0 stars overall, and reviewers rate Allstate with exactly 1.1 stars. Keep in mind that the number of reviewers only accounts for a small fraction of total customers. According to the NAIC, Allstate has a slightly higher complaint ratio than Progressive.

AllstateProgressive
BBB Customer Review Rating1.1 out of 51.1 out of 5
Mobile App iPhone App Store Rating4.8 out of 5.04.7 out of 5.0
Mobile App Google Play Rating4.0 out of 5.04.6 out of 5.0

Allstate vs. Progressive Insurance: The Bottom Line

If affordability is the most important thing for you, we recommend Progressive over Allstate. However, Allstate may have different coverage options that appeal to you over Progressive. Quotes are free, so you can compare rates from both companies when you shop.

Allstate and Progressive Competitors: Top Picks

Since prices are personalized to your unique driver profile, it’s a good idea to compare car insurance quotes from several companies. Geico and State Farm both scored well in our industry-wide car insurance review.

Erie: Best for Basic Insurance Coverage

We rate Erie 9.4 out of 10.0 and name it Editor’s Choice for its low prices and variety of coverage options. Erie has an A+ rating from the BBB and an A+ financial strength rating from AM Best.

Keep reading: Erie insurance review

State Farm: Best Customer Experience

State Farm is another great choice. Its student discount makes it a good option for young drivers with good grades, and it has low rates compared to other companies. State Farm earned a rating of 9.4 out of 10.0 in our comprehensive, industry-wide review.

Keep reading: State Farm insurance review

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Progressive vs. Allstate Auto Insurance: FAQ

Progressive offers cheap auto insurance quotes compared to Allstate and many other providers. In particular, Progressive tends to be affordable for high-risk drivers and even people who have a single accident or traffic ticket on their record. Progressive also offers a wide range of discounts that many drivers may qualify for.

No, Progressive and Allstate are separate companies. The Progressive Corporation and The Allstate Corporation are both independent, publicly held companies.

Yes, Allstate provides a wide range of coverage options that satisfy many drivers. The company has good claims processing and offers a decent selection of discounts.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

  • 800 hours researched
  • 45 companies reviewed
  • 8,500+ consumers surveyed

*Data accurate at time of publication.

If you have feedback or questions about this article, please email the MarketWatch Guides team ateditors@marketwatchguides.com.

Allstate Car Insurance vs. Progressive Car Insurance (2024) (2024)
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