Choosing an auto insurer is sometimes difficult: the rates each insurer offers can vary widely by driving history, age, and location, and companies offer an array of discounts. Progressive and Allstate are among the US' top insurance companies, selling competitively priced policies across large portions of the US.
In an effort to take the sting out of shopping for car insurance, we gathered average insurance rates from Allstate and Progressive. The below rates cover a variety of rating factors, including credit score, driving history, and age. Compare rates and find the right policy for you.
If you have very poor credit, Allstate could be the best option for you. On average, Allstate offers better rates than Progressive for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should opt for Progressive, which typically beats Allstate by $423 per year. Check out common insurance costs by credit score for Allstate and Progressive:
|Credit score||Progressive avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$3,602||$3,117|
|Very Good (740-799)||$1,453||$1,820|
If you have an at-fault accident, ticket, reckless driving citation, or DUI on your driving résumé, Progressive could be a better choice than Allstate. Each insurance company prices its policies differently, so don't hesitate to shop around to understand which insurer is best for you.
|Infraction||Progressive avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$3,006|
|At-fault accident (damage > $1,000)||$2,245||$2,290|
Insurance companies use age to outline risk potential, assigning rates on a sliding scale. An insurance policy is usually most expensive for young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company rates age brackets differently, it's a smart move to shop around.
As a general rule, teen drivers should choose Allstate before Progressive: the former's average annual rates are $1,806 less than the latter's..
|Age bracket||Progressive avg. annual premium||Allstate avg. annual premium|
Affordability aside, Progressive and Allstate both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
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|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.See More Questions
|Can you make your child a permissive user in order to get a discount?|
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.See More Questions
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