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Allstate and Progressive are two well-known companies that provide a range of car insurance coverage options and discounts. In this article, we compare Allstate vs. Progressive costs, coverage and customer service to help you decide which one is right for you.
All providers have different pros and cons, and we’ve reviewed the industry’s best car insurance companies to help drivers find the right coverage and save money. Use the free tool below to compare quotes from Allstate, Progressive and other top providers in your area.
In this article:
- Comparing Allstate and Progressive
- Allstate vs. Progressive coverage
- Allstate vs. Progressive pricing
- Allstate vs. Progressive customer experience
- Final thoughts
- Frequently asked questions
- Our methodology
Comparing Allstate and Progressive
When looking at Allstate vs. Progressive, both companies have long histories and strong industry ratings. AM Best has awarded both companies with an A+ financial strength rating, and the Better Business Bureau (BBB) rates each provider with an A+ rating as well.
Allstate and Progressive are also two of the largest car insurance companies in the country. According to the National Association of Insurance Commissioners (NAIC), Progressive is the third-largest auto insurance company in the U.S., and Allstate is the fourth-largest. Both companies handle tens of billions of dollars in written premiums each year.
Allstate insurance highlights include:
- Above-average claims service rating
- 15 discounts including good driver, new vehicle and good student discounts
- Extras like travel expense coverage and sound system coverage
Progressive highlights include:
- Highly rated mobile app
- 12 discounts including homeowner and continuous insurance discounts
- Custom parts and equipment coverage
Allstate vs. Progressive coverage
As Allstate and Progressive are both leading auto insurance companies, you can likely find the coverage you need with either company, whether it’s a basic liability policy, usage-based coverage or even same-day insurance. Both providers offer other insurance products too like classic car insurance, as well as motorcycle, business, renters and homeowners insurance.
Here’s an overview of auto coverage with Allstate and Progressive:
|Bodily Injury Liability (BI)||✓||✓|
|Property Damage Liability (PD)||✓||✓|
|Medical Payments (MedPay)||✓||✓|
|Personal Injury Protection (PIP)||✓||✓|
|Uninsured/Underinsured Motorist (UM/UIM)||✓||✓|
|Rental Car Reimbursement Coverage||✓||✓|
|Usage-Based Insurance||✓||Available in 48 states*|
|Travel Expense Coverage||✓|
|Sound System Insurance||✓|
|Custom Parts and Equipment Value||✓|
*Accurate at time of publication.
The one thing Allstate offers that Progressive lacks is trip interruption reimbursement. If you get Allstate’s roadside assistance membership plan, you can get reimbursement for food and lodging if you have a breakdown or accident far away from home.
Allstate also offers separate sound system insurance to cover things like speakers and aftermarket audio equipment. Progressive can cover these items under its custom parts and equipment option, which extends to other aftermarket accessories including paint and rims.
Usage-based insurance comparison
Allstate and Progressive both offer usage-based insurance programs. Allstate’s program is called Drivewise®, and Progressive’s is Snapshot®. These programs award discounts based on your current driving habits, not your driving record. Each program is a bit different, but they both track basic things like speed, acceleration, braking and the time of day you drive.
One big difference between Allstate and Progressive’s usage-based programs is that Snapshot can raise your rates if you practice poor driving habits. On the other hand, if you don’t drive safely using the Drivewise program, it just won’t give you a discount. How much you can save depends on your driving, but Progressive’s website says its drivers save an average of $145 a year after joining Snapshot. Allstate doesn’t disclose the maximum discount.
|Allstate Drivewise||Progressive Snapshot|
|Device||Mobile app or plug in device||Mobile app or plug in device|
|Can It Raise Your Rate?||No||Yes|
|Availability||Most states||All states except California and North Carolina|
|Discount||Varies||Average of $145 a year|
|What It Monitors||Safe speed, braking, time of day driven, mileage (plug in device only)||Speed, time of day, miles driven, acceleration, braking, location, phone usage while driving|
Allstate vs. Progressive pricing
Between Allstate vs. Progressive, we found that Progressive typically offers more affordable auto insurance quotes for most drivers. This includes people with good driving records and people who have points on their records. In fact, we found that Progressive was the most affordable leading provider for high-risk drivers overall.
Allstate is generally more expensive than other top competitors like Progressive, Geico and State Farm. In the category of affordability, we rate Progressive 8.5 out of 10.0 stars and Allstate 6.5 out of 10.0 stars. That said, it’s still possible that Allstate could be cheaper for you, as discounts differ between the companies. For example, Allstate offers a new vehicle discount, but Progressive does not. On the other hand, Progressive offers a discount for owning a home, and Allstate does not.
|Allstate Discounts||Progressive Discounts|
|Student Away at School||✓||✓|
|Early Signing Discount®||✓|
|EZ Pay Plan||✓|
|Safe Driving Club||✓|
Progressive has some extra money-saving features on top of its discount opportunities. These include:
- Deductible savings bank: $50 is subtracted from your comprehensive or collision deductible for every policy period without an accident or violation (requires an additional fee to opt-in).
- Small accident forgiveness: Progressive won’t raise your rates after the first claim if it’s below $500.
- Large accident forgiveness: If you have a Progressive policy for five years and stay accident-free for three, your rates will not increase after an accident.
Allstate vs. Progressive customer experience
Allstate and Progressive both have millions of customers, and most of those customers have positive experiences with each company. According to the J.D. Power 2020 U.S. Auto Claims Satisfaction Study, Allstate’s claims service is slightly better than the insurance industry average. The company scored 876 out of 1,000 points, while the industry average was 872 points. Progressive fared slightly worse in the study, scoring 856 out of 1,000 points.
Both companies have low customer satisfaction ratings on the BBB, which isn’t uncommon for the insurance industry. Progressive insurance reviews rate the company with 1.11 out of 5 stars overall, and reviewers rate Allstate only slightly better, with 1.18 stars. Keep in mind that the number of reviewers only accounts for a small fraction of total customers. According to the NAIC, Allstate has a slightly higher complaint ratio than Progressive.
When comparing Allstate vs. Progressive, we rate Progressive higher in several review categories and have found that it is a cheaper option for most drivers. Progressive has comprehensive coverage offerings and mostly positive customer reviews, although Allstate scores better during the claims process.
Other recommendations for car insurance
Since prices are personalized to your unique driver profile, it’s a good idea to compare car insurance quotes from several companies. We rate Geico at 9.1 out of 10.0 stars and named it the Best Overall insurer of 2021 for its low prices and variety of coverage options. State Farm is another great choice. We named it Best for Students for its many discounts and programs geared toward student drivers. It earned a rating of 8.6 out of 10.0 stars in our comprehensive, industrywide review.
To get free, personalized quotes from top insurance companies in your area, enter your ZIP Code below.
Frequently asked questions
Why is Progressive so much cheaper?
Progressive offers cheap auto insurance quotes compared with Allstate and many other providers. In particular, Progressive tends to be affordable for high-risk drivers and even people who have a single accident or traffic ticket on their record. Progressive also offers a wide range of discounts that many drivers may qualify for.
Are Progressive and Allstate the same company?
No, Progressive and Allstate are separate companies. The Progressive Corporation and The Allstate Corporation are both independent, publicly held companies.
Is Allstate good insurance?
Yes, Allstate provides a wide range of coverage options that satisfy many drivers. The company has good claims processing and offers a decent selection of discounts.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost: Average auto insurance rates and discount opportunities were both taken into consideration.
- Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.