Compare Allstate vs. Progressive Auto Insurance in 2021
Our Allstate vs. Progressive auto insurance guide will help you choose between two companies with excellent customer service and superb financial stability. We look at rates for both companies based on age, driving record, and credit score. Progressive’s rates are cheaper than Allstate on all of our comparison points, but Allstate has great discounts to offset their higher rates. Compare rates from both companies here.
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UPDATED: Jul 15, 2021
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- Both Allstate and Progressive have been awarded excellent ratings by government, financial, and consumer agencies
- Allstate has an impressive number of discounts and substantial savings of up to 45 percent
- Progressive auto insurance for teen drivers is 8 percent cheaper than Allstate and 27 percent cheaper for all other ages
- Allstate drivers that get a speeding ticket or cause an accident will have a sharper increase in rates than Progressive
- Progressive is a good choice if you have bad credit or a DUI on your record
It’s nice to have options in life, and there are so many auto insurance companies to consider. You probably know the basics now that you have landed here and are ready to narrow down your two best contenders and choose the auto insurance company that will have your back when you need it: Allstate vs. Progressive auto insurance.
Allstate and Progressive are both on the big list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?
Progressive’s auto insurance rates are cheaper than Allstate’s auto insurance rates through all of our comparison points.
Keep reading to compare Progressive quotes and Allstate quotes on auto insurance, or enter your ZIP code to start comparing multiple companies in your local area.
Is Allstate auto insurance or Progressive auto insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced?
Auto insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of experience driving we have, the more cautious and safe we are as drivers.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base auto insurance rates on gender and marital status. Some states have outlawed this discriminatory practice — but not all.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$9,282||$8,690|
|Single 17-year-old male||$10,643||$9,625|
|Single 25-year-old female||$3,425||$2,698|
|Single 25-year-old male||$3,571||$2,759|
|Married 35-year-old female||$3,156||$2,297|
|Married 35-year-old male||$3,123||$2,175|
|Married 60-year-old female||$2,913||$1,991|
|Married 60-year-old male||$2,991||$2,049|
Progressive’s auto insurance rates are 27 percent cheaper than Allstate’s auto insurance rates for drivers 25 and older.
Coming in at 8 percent cheaper than Allstate, Progressive is the better choice if you have a teen driver on your policy.
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Is Allstate auto insurance or Progressive auto insurance cheaper based on driving record?
No matter what auto insurance company you select, it’s a widely accepted fact that your auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUIs. The riskier a driver you are, the more a liability you are. Allstate and Progressive are no exception.
|Infraction||Allstate Average Annual Rates||Progressive Average Annual Rates|
|With one speeding violation||$4,484||$4,002|
|With one accident||$4,988||$4,777|
|With one DUI||$6,261||$3,970|
In general, Progressive has cheaper auto insurance rates than Allstate for drivers with any type of driving record.
However, Progressive is more punitive with their customers if they get a speeding ticket or cause an accident. Expect your Progressive rates to increase if you get a speeding ticket (18 percent) or cause an accident (41 percent).
If you get a DUI while with Progressive, your rates will increase by 17 percent. So it seems that Progressive is harsher on their drivers that cause an accident than drivers that get a DUI.
Allstate has higher rates for high-risk drivers initially, but expect your rates to increase if you get a speeding ticket (17 percent), cause an accident (31 percent), or get a DUI (64 percent).
Is Allstate auto insurance or Progressive auto insurance cheaper based on credit score?
Your credit score reflects your prior ability to manage your finances and make good choices as well as pay your bills on time. Auto insurance companies assume that the more financially responsible you are, the safer driver you are.
We can all agree that a traumatic financial life event like a divorce or unexpected medical costs is likely to decrease your credit score.
Are those always personal choices? Not exactly.
Just the same as gender and marital status, some states have banned auto insurance companies from basing rates on credit history. Let’s take a look at how Allstate and Progressive compare when it comes to rates based on credit score.
|Credit Score||Allstate Average Annual Rates||Progressive Average Annual Rates|
|Good Credit (670-739)||$3,860||$3,629|
|Fair Credit Score (580-669)||$4,581||$3,956|
|Poor Credit Score (300-579)||$6,491||$4,738|
Again, Progressive comes in cheaper than Allstate if you have bad credit.
If your credit score tanks while with Allstate, expect to pay 68 percent more than drivers with good credit. With Progressive, your rates will increase by only 28 percent if your credit score drops significantly.
When it’s time to renew your six-month policy, and you notice your rate has gone up, it could be because your credit score dropped. Use your Allstate login or Progressive login to make adjustments to your deductible and coverage levels, temporarily, if needed, to reduce your rate for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway. Otherwise, it may be a good time to consider a different insurance provider.
State laws determine much of how you will experience obtaining auto insurance coverage, so where you live is a very influential factor in determining your auto insurance rates. Be sure to check your state auto insurance guide before judging Allstate and Progressive auto insurance rates based on credit score alone.
Does Allstate or Progressive have better auto insurance discounts?
Every auto insurance company has its brand, and it tends to stem from its history. Similarly, the values and philosophies of an auto insurance company can influence what discounts an auto insurance company will offer.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts and Progressive auto insurance discounts.
|Discounts||Allstate (%)||Progressive (%)|
|Daytime Running Lights||2||N/A|
|Electronic Stability Control||2||N/A|
|On Time Payments||5||N/A|
When comparing all discounts that either company offers, Allstate has a total of 24 auto insurance discounts while Progressive has only 8 discounts.
Even though Progressive has cheaper rates, Allstate has some competitive discounts. With Allstate, you can save between 30 and 45 percent for being a safe driver, being claim-free, having a newer vehicle, having airbags, or being a distant student.
Progressive’s largest discount is 50 percent for using paperless documents. Progressive also offers a 31 percent discount for being a safe driver.
Both Allstate and Progressive provide a 20 percent discount for using their driving app or driving device.
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What types of auto insurance coverages are offered by Allstate and Progressive?
Since both Allstate and Progressive are on the big contender list for market share, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
However, be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Allstate or Progressive have better auto insurance mobile apps?
Most of the top 10 auto insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of auto insurance coverage. However, most auto insurance companies have a separate app that is used for their usage-based auto insurance programs.
Usually, your Allstate insurance login or Progressive insurance login will work with both the general app and the driving app.
Read our Allstate’s MileWise review and compare it to Progressive’s SnapShot in our Progressive auto insurance review to decide if you would like to participate in their usage-based auto insurance programs.
How do Allstate and Progressive auto insurance compare in financial strength and customer satisfaction?
If auto insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them. We list ratings for Allstate and Progressive from the top agencies that judge the credibility of all auto insurance companies.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and Progressive claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
|AM Best Rating||A+||A+|
|NAIC Company Complaint Ratio||0.5||0.75|
|NAIC Total Complaints||163||120|
Allstate and Progressive are on top of things when it comes to external ratings by government, financial, and consumer agencies. You will have a good experience with Allstate and Progressive customer service, and expect financial sustainability with either company.
Allstate vs. Progressive auto insurance rates might be exactly what you’re looking for. When you’re unsure which company to choose, you can always use our free comparison tool to compare auto insurance companies in your area.