Progressive vs Allstate: Which is Better for You?
Read on to see which company is best for you.
Progressive or Allstate: Which company is best for you?
Progressive and Allstate enjoy widespread brand recognition as two of the top names in insurance, and collectively take a large share of the auto insurance market.
Both companies offer coverage options that will satisfy the needs of most customers — but which one is right for you? Have a look at our in-depth comparison to see which company comes out on top.
Progressive car insurance
Progressive has grown substantially in recent years, coming in third-largest in share of the auto insurance market. The company has a large selection of policy offerings and discounts, meaning it may appeal to drivers looking for reasonably affordable rates. The company has also become one of the top companies for commercial auto insurance coverage.
Allstate car insurance
Allstate is another major insurance company with a wide array of coverage types and mostly positive ratings from third parties and customers. On the whole, Allstate's car insurance policies are often more expensive than most similarly-sized companies. While Allstate has a number of add-ons and other benefits for policyholders — including rebates for safe driving and a rewards program — drivers will want to strongly consider if these added perks are worth the higher prices.
Progressive vs. Allstate: car insurance rate comparison
Car insurance rates are determined by a number of factors, including where you live, your driving history and even your credit score (a factor in almost all states). Both Progressive and Allstate weigh these factors differently, meaning that you are very likely to get a different quote from each company.
To give you a sense of how Progressive and Allstate insurance rates compare rates, we've put together average rates based on a few different factors. Have a look at the figures below to get a sense of which company could be most affordable for you.
We found that Progressive is more affordable than Allstate, with an average monthly cost of $104. Allstate's average was $170 per month.
Progressive vs. Allstate: pricing by credit score
If you have very bad credit, Allstate could be the way to go. But if you have fair to excellent credit, Progressive offers cheaper premiums than Allstate for prospective drivers. Check out average insurance costs by credit tier for Allstate and Progressive below.
RATES BY CREDIT LEVEL: ALLSTATE VS. 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|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Progressive vs. Allstate: rates for high-risk drivers
If you have an at-fault accident, speeding violation, reckless driving violation or DUI on your driving record, Progressive could be a better choice than Allstate. Progressive was less expensive for those with violations in their recent driving history. Every car insurance company prices policies differently after a violation, so don't be afraid to shop around to understand which insurer suits you.
RATES BY CITATION: ALLSTATE VS. PROGRESSIVE
|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|
Progressive vs. Allstate: rates by age
Auto insurance companies use a driver's age as an indicator of potential risk and price policies accordingly. Car insurance is commonly priciest for young drivers under the age of 25 — due to their relative inexperience compared to older drivers. Because every car insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Allstate before Progressive: Allstate offers average yearly savings of $1,806, compared to Progressive. For drivers in theirs 20s and older, however, Progressive was cheaper.
RATES BY AGE: ALLSTATE VS. PROGRESSIVE
|Age bracket||Progressive avg. annual premium||Allstate avg. annual premium|
Cost aside, Progressive and Allstate each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons and financial stability. Dive into the data before making your decision and be sure to shop around and compare auto rates before purchasing a policy.
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Ratings comparison: Progressive vs. Allstate
Both Progressive and Allstate are among the largest car insurance companies and continue to be very popular options. To get a fair assessment of what to expect with these companies, it's important to check ratings from third-party organizations and customer satisfaction scores. We've compiled a list to compare recent ratings from each company below, including scores for financial strength, customer complaints and overall customer satisfaction.
|Financial strength (A.M. Best)||Superior||Excellent|
|JD Power (claims satisfaction)||Below Average||Average|
|JD Power (customer satisfaction)||Below Average||Average|
|The Zebra's editorial review score||4/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.3/5||4.3/5|
The Zebra's Customer Satisfaction Survey
To get a better sense of how the overall customer experience, The Zebra conducted an independent survey taking a look at many different factors. Below you'll find each company's results.
Progressive car insurance had an overall score of 4.3 — putting it in fifth place — signifying that customers are generally pleased with the level of service they receive from the company. The company placed in the top three for online satisfaction, indicating that Progressive's website and app selection are considered useful by its customers.
- Top five overall for car insurance
- Top three for Online Satisfaction
- Among the top five companies for home and auto bundling
Allstate came in eighth place overall for car insurance with a score of 4.3 out of 5. See the survey highlights below:
- Scored sixth place for Trustworthiness
- Preferred by older drivers overall
- Struggled with Claims Satisfaction
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Progressive vs. Allstate: discount comparison
Discounts on car insurance are usually quite small but they can add up to sizable savings, making it a good way for eligible drivers to save money on their premiums. See each company's available discount selections below. Note that discount availability may vary by state and other factors.
|Anti-lock brake system||✓|
|Student away at school||✓||✓|
|Affinity membership alum|
|Pay in full||✓||✓|
|eSign or ePay|
Allstate offers more discount opportunities than Progressive, but another company can give you a lower quote despite qualifying for discounts. If unsure, ask a representative about which discounts for which you may qualify.
Telematics options: Progressive vs. Allstate
For safe drivers, enrolling in a telematics program can translate to savings. Telematics programs use technology to help track your driving habits and set a rate based on its findings on the way you drive, and in some cases, mileage.
Both Progressive and Allstate offer telematics options. Have a look at the options available from both companies below.
Snapshot is Progressive's telematics option. The app tracks drivers' behavior while behind the wheel (including hard braking, speeding and more) to give a more accurate level of risk. Good drivers stand to save an average of $145 on their premium according to the company.
Allstate's Drivewise is a telematics program that uses a mobile app to track your driving behavior, which could lead to discounts for safe motorists. Drivers receive 3% cashback for signing up for Drivewise. The app-based program can be used by both policyholders and "non-customers" alike to view driving data and receive feedback.
Milewise is Allstate's program for pay-per-mile car insurance. This could benefit low-mileage drivers in particular as rates are based on the number of miles that you drive. These miles are tracked by a plug-in device. While not available in every state, Allstate has plans to continue expansion in an effort to gain more users.
Roadside assistance: Progressive vs. Allstate
A roadside assistance program can be a great safety net to have in case of emergencies. Below you can find a quick rundown of the roadside assistance options offered by both Progressive and Allstate.
Progressive partners with a company called Agero to provide roadside assistance. These services can be used for more than just your car — it also applies for boats, motorcycles or RVs. When added to your policy, Progressive's roadside assistance program offers:
- Fuel delivery
- Flat-tire changes
- Battery jump-start
- Battery recharge for EVs
- Lock-out services
- On-scene labor
- Winching services
Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).
Progressive vs. Allstate: home insurance
Both Progressive and Allstate have home insurance that could appeal to homeowners looking to bundle and save — Allstate comes in second place in market share for homeowners insurance, while Progressive is less popular, at 10th place. While both companies offer sufficient coverage options, price points and other benefits may differ. See our analysis below to find out which company might be the best fit for your home insurance needs.
Progressive homeowners insurance review
Progressive offers homeowners insurance in all 50 states plus Washington D.C. While the company provides basic coverage options, homeowners looking for more robust policies might find Progressive's options lacking.
- The Zebra Customer Satisfaction Survey – 4.1/5: While a rating above 4 stars is sufficient, Progressive home ranked last overall among the 15 carriers surveyed.
- J.D. Power Rating – Below average: J.D. Power rates Progressive auto insurance as below-average in overall customer satisfaction.
- Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive has a solid ability to pay out claims.
- NAIC Rating– Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average regarding Progressive homeowners insurance in 2020.
Allstate homeowners review
Allstate offers highly customizable home insurance policies and is generally held in high regard by customers and rating agencies alike, but fell somewhere in the middle of the pack in our survey of the best home insurance companies. While Allstate has a wide array of coverage options, those looking for the cheapest policy may do better to search elsewhere.
- The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
- Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
- Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's 2020 study of customer satisfaction.
- Financial strength — Excellent: Allstate's finances grade out at an A+, according to A.M. Best.
- NAIC Rating — Above Average: Allstate's homeowners insurance received fewer customer complaints than the national median.
Progressive vs. Allstate: home insurance rate comparison
Progressive's average homeowners insurance rate is around $113 per month, while Allstate's monthly cost is slightly higher at about $133.
Similar to auto insurance quotes, each company has its own underwriting methods for homeowners insurance. This means your rates are highly likely to vary from one company to another. Learn more about the factors insurers use to price your home insurance quote.
Things such as your claims history, crime rates in your area and your proximity to fire stations can have a big impact on how much you pay. As with car insurance shopping, we suggest getting quotes from many different companies when looking for home insurance policies.
According to our data, Progressive has the cheapest home insurance rates at around $113 per month.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Progressive vs. Allstate: homeowners discount comparison
Homeowners insurance discounts are a good way to chip away at the cost of your premium. To be eligible for such discounts, policyholders must meet certain criteria. See how the homeowners discounts from Progressive and Allstate stack up below.
|Recent home buyer||✓||✓|
|Newer/more durable roof||✓|
|Protective devices (smoke/burglar alarms, etc.)||✓||✓|
|Paid in full||✓||✓|
Other insurance products and bundling options
Progressive and Allstate both offer multiple lines of insurance. Oftentimes, these separate insurance lines can be bundled together, allowing you to streamline your insurance policies and potentially leading to savings. While shopping for auto or home coverage, you may want to check into coverages such as life, pet or small business insurance available from Progressive and Allstate. Take a look at the additional coverage types available from each company below.
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓||✓|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.