Table Of Contents
- Progressive Vs. Allstate Review
- Comparing Progressive Vs. Allstate Car Insurance
- Progressive Vs. Allstate Coverage
- Progressive Vs. Allstate: Cost
- Allstate Vs. Progressive: Customer Experience
- Progressive Vs. Allstate: Conclusion
- Progressive Vs. Allstate: FAQ
Dash Lewis
Dash Lewis Content Writer
12/19/2023 05:29 PM
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Every carinsurance providerhas unique pros and cons, including industry giants likeProgressiveandAllstate. To help you pick the right insurance for you, we’ve reviewed these providers side by side, along with some of thebest car insurancecompanieson the market.
We’ll compareProgressivevs.Allstatein terms of coverage, discounts, customer experiences, and more. Even though we’ll look at general costs between the two companies, we still recommendcomparingcar insurancequotesyourself to get the best prices for you.
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Progressive Vs. Allstate Review
When we compareAllstateandProgressive,Progressiveranks higher overall–mostly because it’s slightly more affordable thanAllstate. However,Allstateoffers extensivecoverage optionswith savings opportunities for all kinds of drivers.
| Rating Categories | Progressive | Allstate |
|---|---|---|
| Overall | 4.3 | 4.1 |
| Reliability | 4.0 | 4.7 |
| Coverage | 4.4 | 4.4 |
| Cost | 4.4 | 3.3 |
| Service | 4.3 | 4.3 |
*Ratings are out of five points.
Our high ratings of ProgressiveandAllstateare chiefly because of their sizes and notoriety.Progressiveranks thirdon theNational Association of Insurance Commissioners’(NAIC) list ofpremiumswritten in 2021, taking up nearly 14 percent of the car insurance market.Allstateranks right behind it in fourth place, with a 10 percentmarket share.
Comparing Progressive Vs. Allstate Car Insurance
BothProgressiveandAllstatehave long histories and good reputations. These providers have strong financial capability according toAM Best, which means you don’t have to worry about the company being able to pay claims out. WhileProgressivehas an F rating from the Better Business Bureau (BBB), it does outperformAllstatein terms of claims service in the latestJ.D. Powerstudy.
| Progressive | Allstate | |
|---|---|---|
| Years in Business | 85 Years | 91 Years |
| AM Best Financial Strength Rating | A+ | A+ |
| BBB Rating | F | A+ |
| J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM Score | 862 out of 1,000 | 870 out of 1,000 |
| Our Award | Best Usage-Based Insurance | Best Local Agents |
Progressive: Quick Highlights
Some ofProgressive’s highlights include its:
- Wide selection ofcoverage options
- Great usage-basedinsurance discount
- Highly ratedmobile appon both Google Play and the App Store
Allstate: Quick Highlights
Some ofAllstate’s highlights include its:
- Personalized experience with local agents
- Claim SatisfactionGuarantee
- 11 discount opportunities
Progressive Vs. Allstate Coverage
AllstateandProgressivehavecoverage optionsavailable to fit your needs–whether that’s afull-coverage policy, minimum-liability insurance, or a usage-basedsafe drivingapplication.
Both companies offer same-day insurance, as well homeowners,renters, and motorcycle insurance. You can alsobundleinsurance policiestogether at either company, which can help you save on yourpremiums.
Here are the most commoninsurance productsavailable fromProgressiveandAllstate:
| Insurance Type | Progressive | Allstate |
|---|---|---|
| Bodily injury liability (BI) insurance | ✓ | ✓ |
| Property damage liability (PD) insurance | ✓ | ✓ |
| Collision insurance | ✓ | ✓ |
| Comprehensive insurance | ✓ | ✓ |
| Medical payments (MedPay) coverage | ✓ | ✓ |
| Personal injury protection (PIP) | ✓ | ✓ |
| Uninsured/underinsured motorist (UM/UIM) coverage | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ |
| Rental car coverage | ✓ | ✓ |
| Rideshare insurance | ✓ | ✓ |
| Accident forgiveness | ✓ | ✓ |
| Travel expense coverage | ✓ | |
| Sound system insurance | ✓ | |
| Custom parts and equipment value | ✓ | |
| Usage-based insurance | Available in 49 states | Available in 49 states |
*Certain coverages may not apply to all states.
Progressive Vs. Allstate: Usage-Based Insurance Comparison
BothProgressiveandAllstatehave usage-based insurance plans.Progressive offersSnapshot®, which is available in all states except California, whileAllstatehas two plans: Drivewise®and Milewise.
Drivewise and Snapshot are similar because they both track yourdriving habits, like:
- Speeding
- Acceleration
- Braking
- Driving at night
- Using your phone while driving
Snapshot can raise yourpremiumif thetelematicssystem tracks unsafedriving habits. If Drivewise detects the same unsafehabits, your rate will stay the same, but you’ll miss out on the possible discounts. Drivewise also has a crash-detection service in its program that allows you immediate access to 911 services,roadside assistance, or claim application forms.
Allstate’s Milewise differs from the other programs by one key factor. As a pay-per-mile program, it only tracks the number of miles you drive, so you only have to pay for as much as you drive.
| Allstate Drivewise | Allstate Milewise | Progressive Snapshot | |
|---|---|---|---|
| Discount | Varies | Varies | Average of $156 per year |
| Can It Raise Your Rates? | No | Depends on how much you drive per day | Yes |
| Device | Mobile app | Mobile app or plugin device | Mobile app or plug-in device |
It’s important to note that all three usage-based insurance programs only track your currentdriving habits–not yourdriving record.
Progressive Vs. Allstate: Cost
Allstate’s standardcar insurance policyis generally more expensive than the same coverage from other top competitors, includingProgressive. Itspremiumsare higher for people with clean driving histories and those with points on their records.
For a 35-year-old with a gooddriving record, thenational averageforfull-coveragecar insurance atProgressiveis$1,611 per yearwhileAllstate’s estimatedannual cost is $2,088. For a minimum-coverage insurance plan,Progressive’snational averageis $687 per year whileAllstate’s is $725.
| Full-Coverage Annual Average | Minimum Coverage Annual Average | Progressive Snapshot |
|---|---|---|
| Progressive | $1,611 | $687 |
| Allstate | $2,088 | $725 |
In the table below, you can see how these annualinsurance costsforfull-coveragepolicies match up to other top competitors in the industry.Allstateis above the market average of$1,730 per year, which is partly why we rate it 3.3 out of 5.0 stars for affordability.
While not thecheapest car insuranceoption on the market,Progressivestill falls below the average national rate, so we give it 4.4 out of 5.0 stars for cost.
| Insurance Provider | National Full-Coverage Annual Average |
|---|---|
| USAA | $1,054 |
| Nationwide | $1,281 |
| Geico | $1,308 |
| State Farm | $1,481 |
| American Family Insurance | $1,537 |
| Progressive | $1,611 |
| Travelers | $1,669 |
| Allstate | $2,088 |
| Farmers | $2,140 |
Cost By Driving Profile
For drivers with certain incidents in their driving history,Allstateis more expensive thanProgressivein every instance on average. That’s especially true if you have aDUIor one or more accidents on yourdriving record. The average rates below are based on 35-year-old male drivers.
| Progressive Annual Average | Allstate Annual Average | |
|---|---|---|
| Speeding: 16-20 MPH Over Limit | $2,311 | $2,746 |
| Stop Sign Violation | $2,477 | $2,738 |
| DUI | $2,328 | $3,582 |
| One Accident | $2,822 | $3,598 |
| Two Accidents | $3,977 | $4,724 |
Allstate Vs. Progressive Discounts
Progressive is more affordable in general when compared to Allstate, but Allstate could be cheaper depending on which savings opportunities you’re eligible for. Both companies offer a wide range of discounts to help lower your payment.
Allstate offers additional discounts that Progressive doesn’t, like for new vehicles or having an anti-theft device.
| Progressive Discounts | Allstate Discounts | |
|---|---|---|
| Multi-policy | ✓ | ✓ |
| Multi-vehicle | ✓ | ✓ |
| Continuous insurance | ✓ | |
| New vehicle | ✓ | |
| Accident-free driver | ✓ | ✓* |
| Good student | ✓ | ✓ |
| Driver’s education | ✓ | |
| Student away at school | ✓ | ✓ |
| Anti-theft device | ✓ | |
| Anti-lock brakes | ✓ | |
| Early signing | ✓ | |
| Responsible payer | ✓ | |
| Full payment | ✓ | ✓ |
| Safe driving club | ✓ | |
| Teen driver | ✓ | |
| Homeowner | ✓ | |
| Online quote | ✓ | |
| Sign online | ✓ | |
| Paperless | ✓ | ✓ |
| Automatic payments | ✓ | ✓ |
*Allstate’sSafe DrivingClub discount counts as itsaccident-free discount.
Allstate Vs. Progressive: Customer Experience
As two of the largest insurance companies,ProgressiveandAllstatehave millions of customers. Both companies have a low BBB customer review rating, but it’s important to note that those negative review ratings only account for a small percentage ofProgressive’sandAllstate’s total customer bases.
| Progressive | Allstate | |
|---|---|---|
| BBB Score | F | A+ |
| BBB Customer Review Rating | 1.1 out of 5.0 | 1.1 out of 5.0 |
Customer Satisfaction Scores
According to theJ.D. Power2022 U.S. Insurance Shopping Study℠,Allstatescored an 854 out of 1,000, whileProgressivescored an 859 out of 1,000. Both are below the large companies’ industry average of 863 out of 1,000, however each ranks sixth and fourth in the industry, respectively.
Customer Ratings: Google Play And App Store
Progressive’sandAllstate’smobile appsperformances help showcase customer satisfaction.Allstate’smobile apphas a4.8-star ratingout of 5.0 on the App Store and a4.0-star ratingon Google Play. Meanwhile,Progressive’smobile apphas4.8 starson the App Store and4.7 starson Google Play.
Progressive Vs. Allstate: Customer Survey
We surveyed nearly 7.000 customers on their experiences with their car insurance providers. Both Progressive and Allstate scored the same on all categories except for affordability, where Progressive has a slight edge.
In the survey, we asked consumers how likely it was that they would recommend their auto insurance companies to friends and family. Progressive scored a 7.5 out 10.0–slightly better than Allstate, which scored a 7.4.
| Survey Topic | Progressive Score | Allstate Score |
|---|---|---|
| Overall Satisfaction | 4.1 | 4.1 |
| Affordability | 3.7 | 3.6 |
| Coverage Selection | 3.9 | 3.9 |
| Customer Service From Agents | 4.0 | 4.0 |
| Claims Service | 4.1 | 4.1 |
*Scores are out of 5.0 points.
Progressive Vs. Allstate: Conclusion
Progressivecomes out on top mainly due to its affordability when compared to Allstate. However, both companies have solidcoverage optionswith many discount opportunities and decent service ratings.
Other Recommendations For Car Insurance
ProgressiveandAllstateare two great options for car insurance, but they might not be the right fit for you. It’s important to look at other options before deciding on your provider.State Farmand USAA are two other companies to compareauto insurance quoteswith.
State Farm: Best Overall Provider
State Farmis our top choice for car insurance largely because of its extensive nationwide network of local agents. This makes it easy for drivers to get coverage and have close access to agents if they need assistance.
State Farmis also perfect foryoung driversin their teens and early 20s. In addition to State Farm having the best student discount in the nation,itsSteer Clear®program also helps young and high-risk drivers save on their rates when they practicesafe driving habits.
USAA: Best For Military Members
USAA’s services are only for military members, veterans, and their families, so not everyone can qualify for the company’s excellent rates. However, this provider is a great option if you qualify.
USAA consistently has some of thebest ratesin the nation and for all kinds of drivers. In addition to USAA’s record of top-notch customer service, its usage-based insurance SafePilot®tracksdriving habitsand gives discounts forsafe drivers.
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Progressive Vs. Allstate: FAQ
Which is cheaper: Allstate or Progressive?
Overall,Progressivehas cheaper averagecar insurance ratesthanAllstate. The average national cost forfull-coverageauto insurance atProgressiveis $1,611 per year, whileAllstateis $2,088 per year. However, with its long list of discounts,Allstatecan be a cheaper option for some drivers.
Are Allstate and Progressive the same?
No,AllstateandProgressiveare separate publicly traded companies. However,Progressiveworks with independent insurance agents who are able to sell policies from multiple companies to customers.
Is Allstate good at paying claims?
Allstateis good at paying claims. Allstate has an A+ or Superior rating from AM Best, an organization that evaluates a company’s financial strength and ability to pay out claims.
Why is Progressive so much cheaper?
Progressivecan be cheaper compared to other providers (such asAllstateand Farmers) because of its discounts and other savings opportunities.Progressiveis also known for having more affordablepremiumsfor high-risk drivers who have had incidents on theirdriving records.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage:To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability:It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service:We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.
