Allstate vs. Progressive: Pros & Cons (2021)

Allstate and Progressive are excellent auto insurance companies. But which is better for you? It's time to compare rates, coverages, discounts, and third-party ratings to find out. Progressive has a higher market share, but Allstate has slightly better ratings and customer reviews. Compare multiple companies and shop around to get the best rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Allstate has better customer review ratings.
  • Progressive auto insurance rates are cheaper than Allstate insurance.
  • Allstate has more discounts than Progressive.
  • Progressive’s market share is much larger than Allstate’s.
  • Both companies have an “A+” rating under A.M. Best.

If you’re looking for a reliable Allstate vs. Progressive auto insurance review, you’ve come to the right place. Allstate and Progressive are both in the top 10 earners in the auto insurance industry. But which one is better?

Read on to learn more about how factors determine auto insurance per month, the coverage each company provides, company discounts, and financial ratings.

If you want to see how Allstate vs. Progressive auto insurance quotes look in your local area, enter your ZIP code in the free comparison tool above.

Allstate vs. Progressive Auto Insurance: What are the pros and cons?

This wouldn’t be a solid Allstate vs. Progressive auto insurance review without naming the advantages and disadvantages of Allstate and Progressive.

Comparing Pros and Cons of Allstate vs. Progressive Auto Insurance
Allstate ProsAllstate ConsProgressive ProsProgressive Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesProvides non-standard auto insuranceVehicles worth $150,000 or more can't get a Progressive policy
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesPet injury is covered under collision insuranceRates about average under J.D. Power
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phoneVarious insurance options to bundle with auto insuranceProgressive quotes may check your credit
Solid financial ratingsConsumer satisfaction ratings are below averageCustom equipment and loan payoff policies
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Did we miss anything? Check out our Progressive review and Allstate auto insurance review to get more detailed information. For more information about which company is cheaper, continue reading this review.

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Allstate vs. Progressive Auto Insurance: Which company is the cheapest?

Before we move on to what car insurance cost is like for Allstate and Progressive, let’s see how these two companies match up.

Allstate vs. Progressive Summary
SummaryAllstate Auto Insurance StatsProgressive Auto Insurance Stats
Year Founded19311937
Headquarters3075 Sanders Road Northbrook, IL 60062-71276300 Wilson Mills Road, W33 Cleveland, OH 44143-2182
Available in how many states?All States47
Direct Premiums$23.8 Billion$32.2 Billion
Market Share9%12%
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Progressive has a larger market share and more direct premiums than Allstate. Does that make Allstate a bad company? Of course not. Allstate and Progressive are the top companies in the auto insurance industry.

We will show you which company is cheaper, though. Continue reading the subsections below to see how the average Allstate and Progressive auto insurance rate compare by a factor that determines auto insurance.

Which is cheapest by driving record?

Your driving record is one of the most important factors when determining car insurance — the better your driving history, the cheaper the rates. Let’s see how Allstate and Progressive compare.

Monthly Allstate vs. Progressive Auto Insurance Rates Based on Driving Record
Driving Record SummaryAllstate Average Monthly Auto Insurance RatesProgressive Average Monthly Auto Insurance Rates
Clean Driving Record$318$283
With 1 Speeding Violation$374$334
With 1 Accident$416$398
With 1 DUI$522$331
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With a clean driving record, Allstate and Progressive are neck and neck with each other. Allstate is about $20 more. However, the prices increase more under Allstate when you mention accidents, DUIs, and speeding violations.

Progressive wins as the cheapest company under driving record with violations.

Which is cheapest by credit score?

According to Experian, your car insurance company will use your credit score to determine your policy’s cost because it correlates to risk.

In other words, policyholders with good or excellent credit have lower rates because the auto insurance provider sees them as less likely to file a claim.

How do Allstate and Progressive fit into this? Both companies may do a soft check of your credit when you get an auto insurance quote.

Your credit history could determine the cost of your monthly premium. Which company is the cheapest? Let’s see.

Monthly Allstate vs. Progressive Auto Insurance Rates Based on Credit Score
Credit Score SummaryAllstate Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
Good Credit (670-739)$322$302
Fair Credit Score (580-669)$382$330
Poor Credit Score (300-579)$541$395
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Progressive auto insurance rates stay below $400 regardless of credit score, but Allstate could charge $541 per month if you have poor credit. Therefore, Progressive wins as the cheapest company by credit score.

Which is cheapest by age and gender?

Another significant factor is age. Gender is still a factor. but some states have outlawed gender as a determining factor in insurance.

Even your marital status is considered, but it’s not as big as age and gender. So what do auto insurance rates look like when you put these factors together? How do Allstate and Progressive compare under this factor? Let’s examine the companies’ rates below.

Monthly Allstate vs. Progressive Auto Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
Single 17-year-old female$774$724
Single 17-year-old male$887$802
Single 25-year-old female$285$225
Single 25-year-old male$298$230
Married 35-year-old female$263$191
Married 35-year-old male$260$181
Married 60-year-old female$243$166
Married 60-year-old male$249$171
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Why is teen auto insurance so expensive? Teens are considered new drivers and have less experience than older policyholders. Therefore, teens will have non-standard car insurance rates.

In regards to Allstate vs. Progressive auto insurance rates, Progressive is cheaper than Allstate. Although Allstate is a good auto insurance company for seniors, Progressive is still the more affordable company.

Which is cheapest by coverage level?

Allstate Insurance and Progressive Insurance have different coverage levels. The minimum auto insurance requirement is considered the lowest level of auto insurance – which varies by state.

Medium and high coverage limits are more expensive, but they give you more coverage limits.

A coverage limit is the amount of money your auto insurance company pays out if you get into an accident. Coverage limits are essential for liability coverage cost since it determines the maximum cost that can be potentially paid out to a no-fault driver.

Liability coverage does not cover your bodily injury or property damage – it only covers injuries and damages done to the other driver when you’re at fault.

Let’s see how coverage levels affect Allstate and Progressive car insurance rates.

Monthly Allstate vs. Progressive Auto Insurance Rates Based on Coverage Level
Coverage Level SummaryAllstate Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
High Coverage Level (100/300/100)$428$363
Low Coverage Level (Depends on State)$386$311
Medium Coverage Level (50/100/50)$408$335
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Progressive car insurance costs $363 per month and less regardless of coverage level. Allstate’s cheapest rate by coverage level is $386 per month, and that’s for the low coverage option.

Which is cheapest by annual mileage?

Annual mileage, or commute mileage, is the number of miles you’re estimated to travel during the car insurance policy. The more miles you plan to travel, the more you’ll pay for auto insurance. Let’s review the cost of Allstate and Progressive insurance rates based on annual mileage.

Monthly Allstate vs. Progressive Auto Insurance Rates Based on Commute Mileage
Estimated Commute MileageAllstate Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$336
25 Miles Commute (12,000 miles/yr)$411$337
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Allstate and Progressive don’t charge much when you drive more per year. However, Allstate stands as the more expensive auto insurance company.

Allstate vs. Progressive Auto Insurance Coverages

Who has more coverage options? Let’s match up Allstate’s and Progressive’s coverages and see who provides more car insurance coverage.

Allstate and Progressive Auto Insurance Coverage Comparison
Allstate Auto Insurance CoveragesProgressive Auto Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityComprehensive
Property Damage LiabilityCollision
Uninsured & Underinsured Motorist CoverageUnderinsured
Rental Reimbursement CoverageUninsured Motorist
Personal Umbrella PolicyMedical Payments
Personal Injury ProtectionLoan/Lease Payoff
Sound System InsuranceRental Car Reimbursement
Roadside AssistanceCustom Parts and Equipment Value
Classic Auto InsuranceRideshare Coverage
Travel Auto Insurance to MexicoRoadside Assistance
Deductible Savings Bank
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Progressive has more coverages than Allstate, but it doesn’t have classic auto insurance or travel auto insurance. As you can see, each company provides something unique making it difficult to determine which one is better.

Allstate vs. Progressive Auto Insurance: Who has more discounts?

When you use your Allstate login or Progressive login, you can see the coverages, what you owe, and your cancellation date.

What about discounts? If you’re getting a discount, it should be mentioned somewhere on your policy. Do you think you qualify for more deals? Check this list to see which discounts you’re missing from Allstate or Progressive.

Comparing Allstate and Progressive Auto Insurance Discounts
Auto Insurance Discount NameAllstate Discount ValuesProgressive Discount Values
Accident Forgiveness30%N/A
Anti-lock Brake Discount10%N/A
Anti-Theft Device Discount10%5%
Continuous Coverage DiscountN/ADepends on State
Deductible discountDepends on StateN/A
Defensive Driver Discount20%Depends on State
Discount FinderN/ADepends on State
Driving training discountDepends on StateN/A
E-billing Discount10%Depends on State
Early Quote Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountDepends on StateN/A
Farm Vehicle Discount10%N/A
Good Credit DiscountN/A84%
Good Driver Discount10%26%
Good Payer Discount5%N/A
Good Student Discount10%10%
Home Owner DiscountN/ADepends on State
Low Mileage Discount10%Depends on State
Loyalty DiscountN/ADepends on State
Military DiscountN/ADepends on State
Multiple Policy Discount10%10%
Multiple Vehicle Discount10%30%
New Car Discount15%N/A
No lapse in coverage discountN/ADepends on State
Paid in full discount10%Depends on State
Paperless documents discountDepends on StateDepends on State
Passive Restraint Discount10%10%
Preferred payment discount5%Depends on State
Prepay Discount10%Depends on State
Provider Switch DiscountN/ADepends on State
Senior Adult Discount5%N/A
Signing documents when you buy online discountN/ADepends on State
Starting your auto quote online discountN/ADepends on State
Student Away at School Discount5%10%
teenSMART Discount35%Depends on State
Utility Vehicle DiscountDepends on StateN/A
Youth Driving DiscountN/ADepends on State
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Allstate has a few more discounts than Progressive. However, Progressive has a significant discount for policyholders with good credit.

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Allstate vs. Progressive Auto Insurance: Financial Strength and Credit Ratings

Why are financial and credit rating so important? Financial ratings tell us how well a company manages money. Credit ratings reveal how well a company performs with consumers.

What’s Allstate’s and Progressive’s performance financially, and how well do both companies respond to customers? Let’s examine the ratings below.

Allstate vs. Progressive Financial and Credit Ratings
AgenciesAllstate RatingsProgressive Ratings
AM BestA+ (Excellent)A+ (Excellent)
Better Business Bureau (BBB)A+A-
Moody'sA3 (Good)A2 (Good)
S&PAA- (Very Good)AA (Very Strong)
NAIC Complaint Index0.411.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8887
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A.M. Best, Moody’s, and S&P all reflect a stable financial outlook for both companies. However, Allstate appears to be doing slightly better under consumer response than Progressive.

How so? The BBB, NAIC Complaint Index, J.D. Power, and Consumer Reports are ratings compiled by customers. Although there’s not much difference between the BBB, J.D. Power, and Consumer Reports ratings, Allstate’s NAIC complaint index is much lower than Progressive’s.

Allstate vs. Progressive Auto Insurance: Mobile App Ratings

Anyone with an Allstate Insurance login or Progressive Insurance login can access their policy information on the internet or mobile app. You can even check Progressive, and Allstate claims using your smartphone.

But how do these companies compare under popular mobile app networks? Let’s compare the star ratings and see.

Allstate vs. Progressive Mobile App Reviews
Smart Device Stores/SystemsAllstate Mobile App Star RatingsProgressive Mobile App Star Ratings
Apple App Store (iOS)5 stars3 stars
Google Play Store (Android)4 stars4 stars
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Allstate has better ratings on Apple App Store. However, Allstate carries the same ratings as Progressive on Google Play Store.

Allstate vs. Progressive Auto Insurance: The Bottom Line

It’s clear from the auto insurance rates that Progressive is the cheaper company. However, Allstate has better ratings from consumers. Also, Allstate has more discounts available.

So which company is better for you? The only thing left for you to do is compare the best auto insurance companies online.

Compare Allstate vs. Progressive auto insurance using your personal information by entering your ZIP code in the free online quote tool.

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