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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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings|
|Travel Trailer Insurance|
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|About||Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.||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, flat tire change, battery jump-start, locksmith service 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||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.I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.See More Questions
|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.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.See More Questions
|Compare More||Progressive vs. 21st Century Progressive vs. Allied Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAA||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. Safeco Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|