Here’s a breakdown of how we reviewed and rated the top auto insurance providers
Key Takeaways
- Progressive is neck and neck with Allstate in terms of coverage, but performs slightly better than Allstate in the categories of cost and customer experience.
- The two companies are tied in categories of coverage, availability and industry standing.
- Comparing quotes from both providers is the best way to decide which is right for you. You may also want to review a State Farm versus GEICO comparison to see how other top providers stack up.
Learn more about our methodology and editorial guidelines.
Is Allstate or Progressive Better?
We rate Progressive higher than Allstate in several review categories and have found that it’s a cheaper option for most drivers. If you’re interested in comparing Progressive to other major insurers like GEICO, that can help you make the most informed decision. In addition to competitive prices, Progressive has multiple discounts and mostly positive customer reviews, although Allstate scores better for its claims process, which we’ll explain more below.
Compare Allstate vs. Progressive
Below is a comparative breakdown of Allstate and Progressive in key categories we use for car insurance reviews:
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Both companies have strong industry ratings. AM Best has awarded both companies with an A+ financial strength rating. However, Progressive has a better rating from the Better Business Bureau than Allstate. If you’re eligible for USAA membership, you may also want to explore how USAA compares to Progressive for additional options.
Allstate and Progressive are also two of the largest car insurance companies in the country. According to the National Association of Insurance Commissioners, Progressive is the second-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.
| Factor | Allstate | Progressive |
|---|---|---|
| Year Established | 1931 | 1937 |
| Availability | 50 states | 50 states |
| AM Best Financial Strength Rating | A+ | A+ |
| BBB Rating | C- | A- |
| J.D. Power 2024 U.S. Auto Claims Satisfaction Study Score | 691 out of 1,000 | 672 out of 1,000 |
Allstate insurance highlights include:
- Above-average claims service rating
- 12 discounts including good driver, new vehicle and good student discounts
- Extras like travel expense coverage and sound system coverage
Find out more about Allstate’s services in our Allstate insurance review. For another perspective, see how Allstate compared to GEICO in terms of rates and coverage.
Progressive highlights include:
- Highly rated mobile app
- 13 discounts including accident forgiveness, homeowner and continuous insurance discounts
- Custom parts and equipment coverage
Find out more about services in our Progressive insurance review.
Allstate vs. Progressive Coverage
Allstate and Progressive are both leading auto insurance companies in the industry. 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 are the standard coverage options both companies offer:
- Liability insurance: Pays for other people’s medical bills and auto repairs when you cause an accident
- Collision insurance: Repairs or replaces your car after an accident or collision with a stationary object
- Comprehensive insurance: Covers your car for theft, vandalism or damages from the environment, like floods, fire, hail, fallen objects, animal droppings and more
- Underinsured/uninsured motorist coverage: Covers your repairs and medical bills if a driver without enough insurance causes an accident
- Medical payments coverage: Covers your medical expenses after an accident, and is often a cheaper alternative to personal injury protection insurance
- Personal injury protection: Covers medical expenses, death benefits and lost wages
Allstate vs. Progressive Add-On Coverage Options
You can customize your coverage from both companies with add-ons like roadside assistance or accident forgiveness. Here’s a quick look at the options from Allstate and Progressive.
| Allstate | Progressive | |
|---|---|---|
| Roadside Assistance | ✓ | ✓ |
| Rental Car Reimbursement | ✓ | ✓ |
| Rideshare Insurance | ✓ | ✓ |
| Usage-Based Insurance | Available in 48 states* | Available in 49 states* |
| Gap Insurance | ✓ | |
| Accident Forgiveness | ✓ | ✓ |
| New Car Replacement Coverage | ✓ | |
| Trip Interruption Coverage | ✓ | |
| Sound System Insurance | ✓ | |
| Custom Parts and Equipment Value | ✓ | ✓ |
| Pet Injury Coverage | ✓ | |
| Vehicle Protection Plan | ✓ | ✓ |
| Vanishing Deductible | ✓ | ✓ |
Allstate offers more add-ons overall. In addition to its custom parts and equipment add-on, Allstate offers sound system insurance, gap insurance and new car replacement coverage, which Progressive doesn’t have. One unique add-on from Progressive is pet injury coverage of up to $1,000, which comes automatically with collision coverage.
Both Allstate and Progressive offer vehicle protection plans and vanishing deductibles, where your deductible is decreased by $100 every year you go without filing a claim.
Usage-Based Insurance Comparison
Allstate and Progressive both offer usage-based insurance programs. Allstate’s program is called Drivewise, and Progressive’s is Snapshot. Both programs can award discounts — or raise your rates — based on your driving habits.
Your total savings depend on your driving, but Progressive’s website says its drivers save an average of $322 per year after joining Snapshot. Allstate doesn’t disclose the maximum discount available.*
| Allstate Drivewise | Progressive Snapshot | |
|---|---|---|
| Device | Mobile app | Mobile app or plug-in device |
| Can It Raise Your Rate? | No | Yes |
| Availability | All states except California and Alaska | All states except California |
| Discount | Undisclosed | Average of $322 per year |
| What It Monitors | Safe speed, braking, time of day driven, mileage | Speed, time of day, miles driven, acceleration, braking, location, phone usage while driving |
Allstate Milewise: Pay-Per-Mile Insurance
Pay-per-mile programs aren’t very common in the industry, so it’s worth pointing out that Allstate Milewise is an option. Progressive doesn’t offer a pay-per-mile (or “pay-as-you-go”) program.
With Allstate Milewise, your bill includes a daily base rate and a per-mile rate. If you don’t drive at all in one month, you just pay the base rate. You can also choose an Unlimited option that only charges the daily rate. This could be useful if you drive on a frequent basis.
Milewise also caps the per-mile rate at 250 miles per day so you can take a road trip without receiving an expensive bill. Pay-per-mile insurance can be a good deal if you’re a full-time parent, have a short commute or work from home.
Allstate vs. Progressive Cost
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. For 35-year-old drivers with good driving records, full coverage from Progressive costs about $2,452 per year while Allstate costs about $2,762 per year. Progressive’s rates are slightly more expensive than the national average of $2,433 per year. It’s also worth checking Liberty Mutual’s rates against Progressive to ensure you’re getting the best value.
For minimum coverage, our data shows Progressive offers an average rate of $718 per year, which is cheaper than the national average of $736. Allstate’s average rate is more expensive for minimum coverage at $1,000 per year.
In terms of car insurance costs, we rate Progressive 3.9 out of 5 stars and Allstate 3.3 out of 5 stars. The cheapest national car insurance provider we found is American National, which costs an average of $1,281 per year for full coverage.
Below, you can see how Allstate and Progressive compare on cost for different driving profiles. Progressive is cheaper than Allstate for drivers in these situations, according to our rate data.
| Driving Profile Factor | Allstate Full-Coverage Cost | Progressive Full-Coverage Cost |
|---|---|---|
| Good driver, good credit, age 16 | $6,186 | $5,923 |
| Good driver, good credit, age 21 | $4,182 | $3,657 |
| Good driver, good credit, age 35 | $2,762 | $2,452 |
| Good driver, good credit, age 65 | $2,664 | $2,452 |
| Has a recent car accident | $4,115 | $3,652 |
| Has a DUI conviction | $3,698 | $3,160 |
| Has poor credit | $3,996 | $3,833 |
Keep in mind that your cost will differ based on the state you live in, your driver profile and other factors. Comparing Progressive and State Farm rates can also provide valuable insights into competitive pricing.
Progressive vs. Allstate Car Insurance Discounts
Even though Allstate is more expensive on average, 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.
| Type of Discount | Allstate Discounts | Progressive Discounts |
|---|---|---|
| Multi-policy | ✓ | ✓ |
| Multi-vehicle | ✓ | |
| Driver’s education | ✓ | |
| Good student | ✓ | ✓ |
| Student-away-at-school | ✓ | ✓ |
| Pay-in-full | ✓ | ✓ |
| Continuous coverage | ✓ | |
| Autopay | ✓ | |
| Homeowner | ✓ | |
| New vehicle | ✓ | |
| Paperless billing | ✓ | ✓ |
| Anti-Lock brakes | ✓ | |
| Anti-Theft device | ✓ | |
| Early Signing Discount | ✓ | |
| EZ pay plan | ✓ | |
| Online quote | ✓ | |
| Responsible payer | ✓ | |
| Safe driving club | ✓ | |
| Sign online | ✓ | |
| Teen driver | ✓ |
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 many of those customers have positive experiences with each company, according to our research. According to the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, Allstate has a slightly better reputation for service than Progressive. Allstate scored 691 out of 1,000, which was slightly below the industry average of 697. Progressive scored 672 on the survey. That said, in our 2025 survey of 1,000 auto insurance customers, the majority of respondents said they had positive claims experiences — 93% of Progressive customers and 95% of Allstate customers said they were satisfied with the claims process.
Both companies have low customer satisfaction ratings on the BBB, which isn’t uncommon for the insurance industry. Progressive insurance reviews rate the company nearly 1.1 out of 5 stars, and reviewers rate Allstate just over 1.1 stars.* Keep in mind that the number of reviewers only accounts for a small fraction of total customers. In our survey, 84% of Progressive customers and 78% of Allstate customers were satisfied with their providers overall.
*We reached out to Allstate and Progressive about their low customer satisfaction ratings, but did not receive a response.
Allstate vs. Progressive: FAQ
Progressive offers cheap auto insurance quotes compared to 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.
No, Progressive and Allstate are separate companies. The Progressive Corporation is the country’s second-largest auto insurance provider and the Allstate Corporation is the fourth-largest. Both are independent, publicly held companies.
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.
Our Methodology
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:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800+ hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
Studies and Ratings We Cite
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Our provider reviews cite several key industry studies and ratings, including:
- J.D. Power 2024 U.S. Insurance Shopping Study The annual J.D. Power U.S. Insurance Shopping Study measures customer satisfaction and purchase experience with auto insurance providers based on five categories: brand, price, distribution channel, quote process and policy offerings. The study average score is 676/1,000.
- J.D. Power 2024 U.S. Auto Claims Satisfaction Study The annual J.D. Power U.S. Auto Claims Study rates the claims experience customers have with different providers based on eight categories: trust, fairness of settlement, time to settle a claim, people, communication, ease of resolving a claim, ease of starting a claim and digital channels. Car insurance providers are assessed at the national level. The study average score is 697/1,000.
- NAIC Complaint Index The National Association of Insurance Commissioners Complaint Index is a representation of the number of complaints auto insurance providers receive relative to the average number of complaints for the industry based on their size. A score of 1 represents the average number of complaints for the industry.
*Data accurate at time of publication.
