Progressive vs. Allstate

For the average driver, Allstate offers the cheapest car insurance rates than Progressive. However, Progressive has better customer satisfaction scores and fewer complaints. While Allstate is more affordable for young drivers and those with driving violations, Progressive has the cheapest rates for drivers with driving under the influence (DUI) convictions. In the 48 states MoneyGeek has data on, Allstate is more affordable in 30. With similar coverage, Allstate stands out by offering protection for portable electronics and installed sound systems, as well as new-car replacement for eligible vehicles.

Allstate's slightly higher affordability score reflects its cheaper rates for young drivers, which pulls its average down across age groups — adult and senior drivers pay less with Progressive. Allstate is also good for drivers with low credit scores, those who value unique coverages, those who want higher discounts, and those who want cheaper rates.

Progressive is good for drivers with a DUI who value customer service.

Price isn't everything, but Progressive is the cheaper company for most drivers. For adult drivers with good credit and a clean record, Progressive averages $1,546 per year, compared with Allstate's $1,945 — a $399 annual difference. The gap is largest after a DUI, where Progressive charges $1,988 per year compared to Allstate's $3,209, a $1,221 savings. Young drivers are the exception: Allstate averages $4,375 per year for that group, compared with Progressive's $4,648.

For poor-credit drivers, both companies are closer than their usual gap: Progressive averages $3,508 per year, compared to Allstate's $3,748, a $240 difference. Minimum coverage with poor credit actually flips — Allstate comes in at $2,690 per year versus Progressive's $2,911.Progressive offers a significant cost advantage, especially for drivers with a DUI, costing $1,988 per year compared to Allstate's $3,209—a difference of $1,221.

Both companies run competitive discount programs anchored by telematics — Progressive's Snapshot and Allstate's Drivewise. The key difference is how the programs are structured: Snapshot can raise your rates if it detects risky driving, while Drivewise rewards safe driving without penalizing poor results.

The two largest discount opportunities are home and auto insurance bundle and usage-based programs. Based on our analysis, Allstate wins with a significantly higher discount for its auto and home bundle, and its usage-based program, Drivewise, may save you more than Progressive’s Snapshot program.

Allstate’s average home and auto bundle discount percentage is 17%, the average among major insurers. Progressive estimates those who bundle home and car insurance save an average of 4%. The discount is only applied to the auto insurance policy, while Allstate discounts both policies for maximum savings.

Both Progressive and Allstate score similarly in MoneyGeek's customer experience analysis — Progressive earns a 3.1/5 and Allstate a 3.0/5, based on J.D. Power satisfaction scores and NAIC complaint data. The meaningful difference is the service model: Progressive is primarily digital, while Allstate's local agent network offers an in-person option that Progressive's call center model doesn't.

To identify the best car insurance companies for customer service, MoneyGeek uses J.D. Power customer satisfaction ratings and complaints data from the National Association of Insurance Commissioners (NAIC). When it comes to customer service and complaints, Progressive wins out. Progressive’s score of 832 points out of a possible 1,000 for the J.D. Power study just beats Allstate’s 829 points. Progressive also has a lower NAIC complaint index of 1.33 than Allstate’s 1.88, indicating a higher number of complaints in the same period.

Both companies offer a full standard menu, but Progressive leads in specialty coverage. Its rideshare endorsement covers drivers for Uber and Lyft, its custom parts and equipment coverage protects aftermarket modifications, and its pet injury coverage is an unusual add-on that pays vet bills if your pet is injured in an accident. Allstate counters with its Deductible Rewards program, which reduces your collision deductible by $100 for each claim-free year up to $500.

If you drive a modified or customized vehicle, Progressive's custom parts and equipment coverage fills a gap that Allstate doesn't. Allstate's Deductible Rewards program is a genuine differentiator for long-term policyholders who maintain clean records.

Financial stability is another factor to consider when choosing an auto insurance provider. The better a company’s financial stability, the easier it can pay out legitimate claims, especially during periods with high volumes of claim activity, like after a natural disaster. Large companies usually have excellent financial stability, and both Allstate and Progressive prove this by receiving an A+ rating from A.M. Best.

Progressive wins this category for its Name Your Price tool, which allows you to browse policies by how much you want to pay, rather than picking coverages before getting a quote.

Both Progressive and Allstate offer similar online experiences to make policyholder’s lives easier. You can file a claim online, through the mobile app or over the phone 24/7. Consumers can also quickly get quotes and coverage online. Additionally, each company provides online information about a broad range of insurance topics, including coverages and claim scenarios.

Data on car insurance rates comparing Allstate and Progressive are for a 40-year-old male with a full coverage car insurance policy, unless otherwise noted. The policy includes:

• $100,000 on bodily injury liability insurance per person
• $300,000 on bodily injury liability insurance per accident
• $100,000 on property damage liability insurance per person
• Comprehensive and collision insurance with a $1,000 deductible

To evaluate available coverages, discounts and online tools, MoneyGeek collected information from insurer websites and quote tools. To score insurance companies on customer satisfaction and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners (NAIC). Financial stability was measured using financial strength ratings from A.M. Best, a leading insurance credit rating agency.