Progressive vs. Allstate: Which Is the Best? (2024)

Though these two insurance companies are very closely matched, Allstate edges out Progressive with lower average premiums and a slightly higher Insurify Quality (IQ) Score.

Stephanie Colestock
Stephanie Colestock

Stephanie is a DC-based freelance writer specializing in personal finance. Her work covers insurance, loans, real estate investing, retirement, and more.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Updated July 14, 2024

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Progressive and Allstate are two of the leading auto insurance companies in the U.S., holding the second- and fourth-largest market shares, respectively.[1] Both insurers offer various coverage options for drivers in all 50 states and Washington, D.C., including comprehensive, collision, liability, and uninsured/underinsured motorist protection.

If you want to compare insurance companies and find the best policy for you, low rates are important, but factors such as customer service, industry ratings, and even discount options are crucial, too.

Here’s a look at how Progressive and Allstate compare to one another, so you can decide which company is right for your auto coverage needs.

Quick Facts
  • The average cost of liability insurance with Allstate is $63 per month, and with Progressive, it’s $77 per month.

  • Both insurers offer a great selection of coverages, discounts, and even a telematics app for additional savings.

  • Progressive and Allstate hold nearly identical ratings in customer satisfaction and insurance industry complaints, though Allstate performed better in the most recent J.D. Power customer satisfaction study.

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Progressive vs. Allstate: The verdict

When comparing Progressive and Allstate, drivers may find that these two insurers are very closely matched in terms of availability, insurance products, and even customer reviews.

Overall, Allstate’s premiums are lower than Progressive’s for driver profiles, giving Allstate a slight edge. Allstate also has slightly higher industry and customer satisfaction ratings than Progressive, with a slightly higher Insurify Quality (IQ) Score as well. Progressive does hold a larger market share than Allstate, though, and offers a non-smartphone safe driver program that automatically calculates mileage-based discounts.

FactorProgressiveAllstate
IQ Score8.48.9
Customer satisfaction score3.33.2
Average quote: liability only$77 $63
Number of available discounts1314
Number of states where it operates5050
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Progressive

Progressive is one of the largest car insurance companies, holding about 14% of the total industry market share in the U.S.[1]

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JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$134/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read more driver reviews of Progressive
Robert - July 14, 2024
Verified

Half a Loaf

They bundled auto and home insurance, but after 8 years, they dropped our home insurance.

Quincy - July 14, 2024
Verified

My Experience

The adjustment department needs some improvement. I filed a claim and a lot of damages were overlooked. I had to make several calls to get the damages covered. What was supposed to be a two-week job has turned into a month and a half ordeal. I'm still waiting on my car. The customer service from all involved has been terrible at this point. I'm definitely looking forward to switching companies.

Matthew - July 14, 2024
Verified

Progressive's Prices are Way Too High

I am priced way too high.

Allstate

Allstate holds about 10.7% of the current auto insurance market share and offers top-rated policies to drivers throughout the country.[1]

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User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Read more driver reviews of Allstate
Jennie - July 14, 2024
Verified

Cain Insurance is Great!

Cain Insurance has always been fair to me and my late husband.

Brice - July 13, 2024
Verified

Disappointed with Allstate

I would never continue a relationship that is supposed to be mutually beneficial for an extended period of 13 years, knowing that they never had my best interest at heart. They may mislead you to add onto your coverage by promising that if you have to utilize that benefit, it will offer you certain advantages. However, when you attempt to utilize an endorsement that costs you additional money on your premium, it offers nothing that they used to upsell that endorsement. With Allstate, it feels like you're in the hands of a company that prioritizes its own interests.

Anthony - July 13, 2024
Verified

Difficulties with Allstate's Phone Service

The telephone service is poor; it's hard to speak to anyone knowledgeable.

Progressive Snapshot vs. Allstate Drivewise

Both Progressive and Allstate offer a safe driver discount program based on driving habits. These programs use telematics tools, such as a mobile app or vehicle plug-in device, to analyze driver habits and behavior, detect crashes, monitor phone usage while behind the wheel, and more.

The Allstate Drivewise program is smartphone-based, allowing insured drivers to track their trips and unlock significant discounts on their auto insurance premiums. It takes into account driving activity such as sudden stops, aggressive maneuvers, high speeds, driving during certain times of day, and more.

The Drivewise app also collects data on whether or not you use your phone while behind the wheel, though Allstate claims that it doesn’t use this factor to calculate performance-based policy rewards.[2]

With Progressive’s Snapshot, drivers have the option of using the insurer’s mobile app or requesting a plug-in device for their vehicle. Both devices collect data on many of the same factors to determine available discounts and policy pricing: sudden braking, aggressive driving, high speeds, driving late at night, and phone usage while behind the wheel.

Unlike Allstate’s program, Snapshot is also mileage-based. Drivers who spend less time behind the wheel can save even more with this usage-based insurance program.[3]

Progressive vs. Allstate: Which is the cheapest?

Auto insurance through Allstate is slightly cheaper on average than coverage through Progressive. But your premiums depend on a variety of factors, including:[4]

Allstate: Cheapest for drivers with a clean driving record

For people with a clean driving record, Allstate auto insurance coverage is cheaper than Progressive.

Driver TypeProgressiveAllstate
Clean driving record$77$63
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.

Allstate: Cheapest for drivers with a speeding ticket

Drivers with a speeding ticket on their record may find Allstate’s average rates are notably cheaper than Progressive’s average rates below.

Driver TypeProgressiveAllstate
Drivers with a speeding ticket$91$74
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.

Allstate: Cheapest for teen drivers

A driver’s age plays a significant role in calculating policy premiums, with young drivers typically paying more for coverage. For teen drivers, Allstate is again cheaper than Progressive, on average.

Driver TypeProgressiveAllstate
18-year-old$140$108
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.

Allstate: Cheapest for drivers with bad credit

In many states, car insurance companies can use a driver’s credit history as a factor when determining car insurance premiums. For drivers with bad credit, Allstate once more edges out Progressive with cheaper average premiums.

Driver TypeProgressiveAllstate
Drivers with bad credit$93$76
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.

Allstate: Cheapest for senior drivers

Teen drivers have less experience and tend to pay more on average for auto insurance coverage. However, senior drivers can also be at higher risk due to age-related health issues and may have higher rates when they reach their 70s.

Allstate offers slightly lower average premiums to senior drivers compared to Progressive.

Driver TypeProgressiveAllstate
Senior drivers$47$49
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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Compare coverages: Progressive vs. Allstate

Allstate and Progressive are two of the best car insurance companies in the country, and both offer standard coverage options in addition to extra add-ons. Standard coverages include bodily injury liability, property damage liability, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. But the exact coverage options available to you depend on your location.

Both auto insurers also have optional coverages that customers can add to their policies, which offer additional protection. Here are some of the top add-on coverages and whether Progressive or Allstate offer them.

CoverageProgressiveAllstate
Gap insuranceYesYes
Roadside assistanceYesYes
Medical payments (MedPay)YesYes
Rental reimbursementYesYes
Rideshare insuranceYesYes
Pet injury insuranceYesNo

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Compare discounts: Progressive vs. Allstate

Both Progressive and Allstate offer car insurance discounts to drivers to reduce auto policy premiums.

Of the common discounts noted here, both auto insurance companies offer similar available discounts. And while neither insurer offers a discount to low-mileage drivers, both Progressive and Allstate offer pay-per-mile insurance, which can be the cheapest option for people who don’t drive frequently.

DiscountProgressiveAllstate
Clean driving recordYesYes
Defensive driving courseYesYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
TelematicsYesYes
Anti-theft deviceYesYes
New carNoYes
Military/affiliationNoNo
Good studentYesYes
LoyaltyYesNo
AutopayYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoNo

Progressive vs. Allstate FAQs

Here’s a look at some of the most frequently asked questions when comparing Progressive versus Allstate auto insurance coverage.

  • Which company is better: Progressive or Allstate?

    The best company for you depends on your specific needs and policy requirements.

    If you’re looking for the cheapest auto insurance coverage, for example, Allstate has slightly lower car insurance rates than Progressive, on average. But if you’re looking for a more versatile driver telematics program for added discounts, Progressive might be the better option to consider.

  • Is Allstate or Progressive more expensive?

    Progressive is more expensive than Allstate, on average, for most driver profiles. If you’re shopping to see how much money you can save and which insurer offers the best deal, Allstate might be the best car insurance company for you.

  • Is Progressive Insurance the same as Allstate?

    Though not the same, Progressive and Allstate are similar insurance companies offering various insurance coverages to drivers across the U.S. Both insurers have a variety of discounts to save money on car insurance costs and safe-driver telematics programs for added savings.

  • What are the main differences between Progressive and Allstate insurance coverages?

    Progressive and Allstate both offer the same standard coverages, including liability, comprehensive, collision, uninsured/underinsured motorist, and PIP coverage. One of the main differences is that Progressive offers pet injury coverage for drivers, but Allstate doesn’t.

Sources

  1. NAIC. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
  2. Allstate. "Control your auto savings with Drivewise®."
  3. Progressive. "Get Snapshot from Progressive."
  4. III. "What determines the price of an auto insurance policy?."
Stephanie Colestock
Stephanie Colestock

Stephanie is a DC-based freelance writer. She primarily covers personal finance topics such as insurance, loans, real estate investing, and retirement. Her work can be found on CBS, FOX Business, MSN, Yahoo! Finance, Business Insider, and more. When she isn't helping people plan for their financial futures, she is traveling, hiking with her kids, or writing for her own website, TomorrowsDollar.com. She can be reached on Twitter @stephcolestock

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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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