Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
Thomas Fitzgerald is an insurance writer at Insurify with a focus on auto insurance. He seeks to make the insurance buying process simple and effective through clear, educational content. Thomas received his bachelor's degree from Wake Forest University and his master's from the University of Chicago. Connect with Thomas on LinkedIn.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Allstate vs. Progressive: A Summary
Allstate and Progressive are leading companies in the auto insurance industry, and both ranked in the top five insurers by market share. Both companies have found a way to succeed despite the ever-changing modern insurance landscape. However, they have their relative pros and cons, so we’ve lined up all the data to help you compare car insurance and find the best rate.
Insurance Company
Avg. Monthly Car Insurance Quote
Insurify Composite Score
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Allstate
$58
82
Progressive
$78
80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
ICS Score Explanation:
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Allstate
As one of the largest insurers, Allstate provides coverage to millions of policyholders across the country. Perhaps, they choose the company because of features like a mobile app, deductible rewards, rental reimbursement, roadside assistance, and Allstate’s Drivewise telematics discount.
Pros
Considerably lower rates
Ridesharing coverage for Uber and Lyft drivers
Cons
Relatively high rates for drivers with a DUI
Progressive
Consumers pick Progressive for its variety of perks and coverage options, such as the Name Your Price Tool, accident forgiveness, vanishing deductibles, and gap insurance. Also, their Snapshot telematics discount honors customers with reduced premiums for being safe drivers.
Pros
Unique Name Your Price Tool
More insurance discounts
Cons
Slightly below-average J.D. Power customer satisfaction rating
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1
Clearcover
Best Overall
$135
97
2
Nationwide
Best for Safe Drivers
$199
89
3
American Family
Best for Families with Teen Drivers
$234
89
4
Safeco
Best for Drivers with Poor Credit
$186
86
5
Farmers
Best for Rideshare Coverage
$239
85
6
Foremost
Best for Hassle-Free Claims
$159
82
7
Liberty Mutual
Best for Accident Forgiveness
$241
82
8
Mercury
Best for Face-to-Face Service
$232
81
9
Progressive
Best for Senior Drivers
$147
80
10
Travelers
Best for Young Drivers
$163
80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive lands in the number nine spot on our list because it’s one of the best car insurance companies for senior drivers. Although Allstate misses the list, it’s a top company for Uber and Lyft drivers looking for rideshare coverage. Also, young drivers get robust coverage and a pretty decent deal with Allstate.
Compare Allstate vs. Progressive: Which Is Cheaper?
After a detailed insurance comparison, Allstate is the clear winner. From the summary above, you may have noticed Allstate’s average monthly rate came in at $58, while Progressive is $20 higher, at $78. Allstate’s price is below the national average of $69, while Progressive is above it by $9 per month.
The Cheapest Car Insurance Companies in 2022
Rank
Insurance Company
Average Cost Per Month
ICS
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1
USH&C
$44
Not Rated
2
Metromile
$63
Not Rated
3
Direct Auto
$64
Not Rated
4
Travelers
$65
80
5
Kemper
$71
Not Rated
6
Progressive
$87
Not Rated
7
Mile Auto
$91
85
8
National General
$93
58
9
Clearcover
$94
97
10
GAINSCO
$94
Not Rated
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Both Allstate and Progressive offer potential policyholders budget-friendly insurance products. While Progressive makes the list for the cheapest, Allstate also offers low rates. So, it’s probably a wise idea to quote both, as long as you keep in mind that your final price will be based on your age, location, and unique driving profile.
Compare Allstate vs. Progressive Car Insurance by Age
Because insurers understand that experienced drivers are typically better drivers, they include age in the cost reflected on your auto insurance quote. As a result, car insurance rates are highest for those under 25. In fact, young drivers often pay more for bodily injury and property damage liability (liability only) than older drivers do for full coverage.
Some quick analysis of the table below reveals a similar pattern. Prices drop as you age until you hit retirement and the golden years. Consequently, both companies gave their best rate to those in their 50s, with Allstate charging $50 and Progressive $61. But teens paid about twice the lowest rate at Allstate and over four times the cheapest rate at Progressive.
Age Group
Allstate
Progressive
Teen
$124
$246
20s
$56
$79
30s
$56
$80
40s
$53
$70
50s
$50
$61
60s
$52
$65
70s
$58
$78
80s
$69
$82
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Allstate vs. Progressive Car Insurance by Gender
Another variable that may affect your auto insurance premiums is your gender. Car insurance prices for men and women varied little in general. Nonetheless, some insurance companies place a stronger emphasis on gender. Because statistics reveal that younger men are riskier drivers than women, insurers require somewhat higher premiums to mitigate the risk.
Allstate kicks up the price by $3 per month for men, representing a five percent difference. Remarkably, Allstate raises the cost by $1 for the women, translating to a one percent difference. Moreover, Allstate offers auto insurance rates that are under the national average for both groups, and Progressive lands above the national average for women.
Which is cheapest for men?
Men should put Allstate on their radar because it outdoes the national average by $22 per month, or $264 per year, and Progressive by $19 per month, or $228 per year. Progressive’s $78 per month translates into a cost that’s cheaper than the national average.
Gender
Allstate
Progressive
National Average
Men
$59
$78
$81
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Which is cheapest for women?
The low-cost choice for women is Allstate. The insurer’s average monthly rate for women is $56, translating to a price reduction of $22 per month off the national average and $23 per month less than Progressive. Progressive’s $79 would require women to pay $1 per month, or $12 per year, over the national average.
Gender
Allstate
Progressive
National Average
Women
$56
$79
$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Allstate vs. Progressive Car Insurance by Mileage
Typically, the more miles you clock, the higher the price of your insurance policy. When insurers assess risk, they assume that the more time you spend driving, the more likely you are to be involved in a car accident. However, all insurance providers have proprietary algorithms for factoring in yearly miles.
Unlike with some auto insurance companies, annual mileage doesn’t amount to that big a difference at Allstate and Progressive. Perhaps the companies use a base figure despite potential customers’ estimates for yearly mileage.
Which is cheapest for drivers with high mileage?
If you love driving long distances, or you simply have a long commute, Allstate’s going to be the provider to pick. At $56 per month, Allstate skates below the national average by $22 per month and Progressive by $23 per month. Progressive’s $79 per month makes it $264 per year costlier than the national average.
Annual Mileage
Allstate
Progressive
National Average
15,000-20,000
$56
$79
$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Which is cheapest for drivers with low mileage?
Drivers who put 10,000 miles or fewer on the odometer should get a quote from Allstate. It’s once again the cheaper option, at $56 per month. When choosing Allstate instead of Progressive, you save at least $22 per month. Also, Allstate is at least $22 cheaper than the national average, while Progressive is as expensive or slightly more than the national average.
Annual Mileage
Allstate
Progressive
National Average
5,000
$56
$78
$78
10,000
$56
$79
$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Allstate vs. Progressive Car Insurance by Credit Score
It’s no secret that excellent credit has its benefits, and getting a deal on your car insurance policy is just one more reason to aim for a high score. Nevertheless, even with imperfect credit, drivers can find an affordable premium.
The drivers with the best credit save the most money, and rates go up as scores go down. The trend is similar at Allstate, Progressive, and the national average. Allstate’s prices are well below the national average at every credit level, while Progressive stays slightly under throughout.
Which is cheapest for good credit?
Allstate’s price for drivers with excellent credit translates to a $144 per year savings compared to the national average and a $60 savings versus Progressive. If you have good credit, Allstate is $216 per year cheaper than the national average and $204 less expensive than Progressive.
Credit Tier
Allstate
Progressive
National Average
Excellent
$48
$53
$60
Good
$53
$70
$71
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Which is cheapest for bad credit?
If you’re working on your credit, Allstate is a safe bet. Drivers with average credit enjoy a $24 per month price break compared to the national average and a $23 break versus Progressive. Surprisingly, the most significant savings come for those with poor credit. Allstate’s $66 rate is $564 per year less than Progressive.
Credit Tier
Allstate
Progressive
National Average
Average
$54
$77
$78
Poor
$66
$113
$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Allstate vs. Progressive Car Insurance by Driving Record
When insurers calculate rates, they factor your past driving behavior into your quote. That means those with accident-free driving records will score the most competitive rates. But even though moving violations, at-fault accidents, and DUIs kick up your insurance costs, you can track down a reasonable rate with Insurify.
Whether you have a perfect driving history or a few mishaps on your record, insurers like Allstate offer cost-effective ways to stay protected on the road. And Progressive does OK, but its prices are mostly above the national average, except if you have a DUI. In particular, compared to having a clean record, DUIs kicked the national average up by 69 percent.
Which is cheapest for good drivers?
Safe driving habits earn an economical price at Allstate. Allstate’s $54 is under the $78 national average and saves drivers $276 per year versus Progressive. Progressive is $1 less than the national average. After choosing Allstate, good drivers can save enough to afford uninsured motorist coverage as added protection.
Driver Type
Allstate
Progressive
National Average
Clean Record
$54
$77
$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Which is cheapest after a speeding ticket?
If you have a speeding ticket on your record, Allstate’s $70 price tag is a quick way to save money. Allstate is $34 per month less than the national average and $29 less than Progressive.
Driver Type
Allstate
Progressive
National Average
Speeding Ticket
$70
$99
$104
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Which is cheapest after an accident?
Although Progressive has accident forgiveness, an accident raises it to $111, which is $29 per month, or $348 per year, above Allstate. After an at-fault accident, Allstate should be on the list of companies you get quotes from.
Driver Type
Allstate
Progressive
National Average
At-Fault Accident
$82
$111
$113
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Which is cheapest after a DUI?
No driving violation has more severe ramifications for your monthly insurance cost than a DUI. Fortunately, Progressive and Allstate really shine and offer prices that beat the national average. Remarkably, this is the one place Progressive is a better choice than Allstate. At $95, Progressive is $84 per year cheaper than Allstate.
Driver Type
Allstate
Progressive
National Average
DUI
$102
$95
$155
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Allstate vs. Progressive Car Insurance: What discounts does each offer?
Allstate Discounts
Allstate eSmart
Antilock brakes
Anti-theft device
Early signing
EZ pay plan
FullPay
Good driver/Safe driving
Multiple policy (bundling your car insurance with other policies offered like homeowners insurance, renters insurance, or life insurance)
New car
Responsible payer
Smart student
Progressive Discounts
Automatic payments
Continuous insurance
Distant student
Good student discount
Homeowner
Multi-car
Multi-policy, bundling
Online quote
Paperless
Pay in full
Sign online
Snapshot: safe driver
Teen driver discount
Discount
Allstate
Progressive
Antilock brake
Anti-theft device
Automatic payments
Continuous insurance/Responsible payer
Distant student
Early signing
EZ pay plan
Good student/Smart student
Homeowner
Multi-car
Multi-policy
New car
Online quote/Allstate eSmart
Paperless
Pay in full/FullPay
Safe driver/Good driver
Snapshot
Teen driver
Our Methodology and How We Compared Allstate and Progressive
The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.
Frequently Asked Questions
Which is cheaper, Allstate or Progressive?
After an in-depth insurance review, Allstate insurance is cheaper in every data-measured category, except for drivers with a DUI. The analysis factored in demographics and insurance coverage, and Allstate came out on top.
Which is better, Allstate or Progressive?
According to the Insurify Composite Score, our internal rating system that evaluates claims satisfaction, reviews, and financial strength ratings, Allstate is the better company. Allstate manages to be cheaper than Progressive insurance, too. However, both companies have their unique pluses and minuses, so getting quotes from both insurers may be wise.
How can I compare Allstate and Progressive?
The quickest and easiest way to get a detailed side-by-side evaluation is to use a car insurance comparison tool like Insurify. In minutes, you can find the best rates from these two companies, along with top insurance providers such as State Farm, GEICO, and USAA. With all the info right at your fingertips, you can make the best decision.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Courtney RoyInsurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
Thomas Fitzgerald is an insurance writer at Insurify with a focus on auto insurance. He seeks to make the insurance buying process simple and effective through clear, educational content. Thomas received his bachelor's degree from Wake Forest University and his master's from the University of Chicago. Connect with Thomas on LinkedIn.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.