Allstate vs. Progressive Car Insurance for 2021
Allstate and Progressive are two leading car insurance companies in the United States. Although Progressive auto insurance is cheaper, affordable Allstate vs. Progressive auto insurance quotes are based on personal factors, such as age, gender, marital status, credit score, and driving record. Compare Allstate vs. Progressive car insurance to secure the best rates.
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UPDATED: May 28, 2021
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- Allstate car insurance is $71 more expensive per month than Progressive insurance
- Progressive and Allstate have the same number of coverage types, but some coverages are unique to each company
- While Allstate is more expensive, it has stronger ratings than Progressive
So, you’ve narrowed down your car insurance choices, and now you’re ready to start comparing Allstate vs. Progressive car insurance rates.
But there are a few more things you should know about before you decide to buy Allstate vs. Progressive car insurance. Don’t worry — we’re here to navigate you through the process.
Read our Allstate vs. Progressive car insurance guide to see which company is cheaper, what coverage options and discounts are available, and how rating agencies graded both companies.
As you explore, you’ll get an idea of how Allstate vs. Progressive car insurance quotes stack up. Use our free comparison tool above to compare multiple companies in your area and secure affordable car insurance.
Allstate vs. Progressive Car Insurance: Which company is cheaper in head-to-head pricing?
Allstate insurance is about $408 per month on average, but Progressive’s rates come out to an average of $337 per month.
Your car insurance rates probably won’t work out to the exact figures above. Why? Auto insurance premiums are determined by personal factors.
Continue reading to learn more about factors that affect the price of car insurance.
Comparing Allstate vs. Progressive Car Insurance: Which company is cheapest by age, gender, and marital status?
Age usually correlates to a person’s overall driving experience. Women and married people tend to be safer drivers, statistically speaking.
But how do Allstate and Progressive calculate auto insurance rates based on these factors? Let’s review.
|Age, Gender, and Marital Status||Allstate Average Monthly Car Insurance Rates||Progressive Average Monthly Car Insurance Rates|
|Married 60-year-old female||$243||$166|
|Married 60-year-old male||$249||$171|
|Married 35-year-old male||$260||$181|
|Married 35-year-old female||$263||$191|
|Single 25-year-old female||$285||$225|
|Single 25-year-old male||$298||$230|
|Single 17-year-old female||$774||$724|
|Single 17-year-old male||$887||$802|
Progressive is the more affordable auto insurance company across the board.
Married seniors pay the least for car insurance, while teen and young adult drivers pay the most. If you have a young driver on your policy, make sure to check out the car insurance discounts you might be eligible for.
Comparing Allstate vs. Progressive Car Insurance: Which company is cheapest by credit scores?
Pay attention to your credit history because it can affect your auto insurance rates. According to Experian, car insurance is cheaper if you have good or excellent credit.
Why? Again, it’s about risk. Drivers with good credit scores are statistically less likely to file a claim. But what about customers with fair or poor credit?
Let’s compare Allstate vs. Progressive auto insurance rates and see how credit scores impact monthly premiums.
|Credit Score Summary||Allstate Average Monthly Car Insurance Rates||Progressive Average Monthly Car Insurance Rates|
|Good Credit Score (670-739)||$322||$302|
|Fair Credit Score (580-669)||$382||$330|
|Poor Credit Score (300-579)||$541||$395|
When you do an auto insurance rate comparison, you’ll see that Progressive is a more cost-efficient option for people with fair and poor credit. Take advantage of low prices whenever you get the chance.
Comparing Allstate vs. Progressive Car Insurance: Which company is cheapest by driving record?
The quickest road to cheap auto insurance is through a clean driving record. Road violations can drive up your rates and leave tracks on your driving history.
Let’s look at how Allstate and Progressive estimate car insurance rates based on driving record.
|Driving Record Summary||Allstate Average Monthly Car Insurance Rates||Progressive Average Monthly Car Insurance Rates|
|Clean Driving Record||$318||$283|
|With 1 Speeding Violation||$374||$334|
|With 1 Accident||$416||$398|
|With 1 DUI||$522||$331|
As predicted, a clean driving record produces the cheapest auto insurance rates at both companies. However, Progressive is still more affordable.
Speeding tickets have the least impact, but accidents and DUI convictions can increase your rates substantially, especially at Allstate.
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Do Allstate and Progressive provide enough coverage options?
Sometimes the cheapest company doesn’t provide enough coverage, even when you have a full coverage policy. Comparing Allstate vs. Progressive car insurance companies, which company has more coverage options? Let’s compare.
|Allstate Car Insurance Coverages||Progressive Car Insurance Coverages|
|Collision coverage||Bodily Injury Liability|
|Comprehensive coverage||Property Damage Liability|
|Bodily Injury Liability||Comprehensive|
|Property Damage Liability||Collision|
|Uninsured & Underinsured Motorist Coverage||Uninsured & Underinsured Motorist Coverage|
|Rental Reimbursement Coverage||Medical Payments|
|Personal Umbrella Policy||Loan/Lease Payoff|
|Personal Injury Protection||Rental Car Reimbursement|
|Sound System Insurance||Custom Parts and Equipment Value|
|Roadside Assistance||Rideshare Coverage|
|Classic Auto Insurance||Roadside Assistance|
|Travel Auto Insurance to Mexico||Deductible Savings Bank|
Allstate and Progressive have the same amount of coverage options. However, both companies have a few unique coverages. Give the list a second look to see which might work best for you.
Allstate vs. Progressive: Who offers more car insurance discounts?
What do you do when you get an expensive quote? Before you purchase a policy, try to see what discounts are available.
A quote is an estimate — it’s not a promise or contract that you have to sign. Take a look at the chart below and see if you qualify for discounts at Allstate and Progressive.
|Auto Insurance Discount Name||Allstate Discount Values||Progressive Discount Values|
|Anti-lock Brake Discount||10%||N/A|
|Anti-Theft Device Discount||10%||5%|
|Continuous Coverage Discount||N/A||Depends on State|
|Deductible discount||Depends on State||N/A|
|Defensive Driver Discount||20%||Depends on State|
|Discount Finder||N/A||Depends on State|
|Driving training discount||Depends on State||N/A|
|Early Quote Discount||10%||N/A|
|E-billing Discount||10%||Depends on State|
|Family Discount||Depends on State||N/A|
|Farm Vehicle Discount||10%||N/A|
|Good Credit Discount||N/A||84%|
|Good Driver Discount||10%||26%|
|Good Payer Discount||5%||N/A|
|Good Student Discount||10%||10%|
|Home Owner Discount||N/A||Depends on State|
|Low Mileage Discount||10%||Depends on State|
|Loyalty Discount||N/A||Depends on State|
|Military Discount||N/A||Depends on State|
|Multiple Policy Discount||10%||10%|
|Multiple Vehicle Discount||10%||30%|
|New Car Discount||15%||N/A|
|No lapse in coverage discount||N/A||Depends on State|
|Paid in full discount||10%||Depends on State|
|Paperless documents discount||Depends on State||Depends on State|
|Passive Restraint Discount||10%||10%|
|Preferred payment discount||5%||Depends on State|
|Prepay Discount||10%||Depends on State|
|Provider Switch Discount||N/A||Depends on State|
|Senior Adult Discount||5%||N/A|
|Signing documents when you buy online discount||N/A||Depends on State|
|Starting your auto quote online discount||N/A||Depends on State|
|Student Away at School Discount||5%||10%|
|teenSMART Discount||35%||Depends on State|
|Utility Vehicle Discount||Depends on State||N/A|
|Youth Driving Discount||N/A||Depends on State|
Progressive and Allstate appear to have the same amount of discounts. But you may not be eligible for all the discounts available.
Go through the quote process again. Check through the questionnaire and provide more detailed information to see if you can get a quote that matches your budget.
Allstate vs. Progressive: Who has better financial strength ratings and customer experience reviews?
Financial strength ratings are important because they show you how well a company manages money.
If you were ever curious about comparing Allstate vs. Progressive stock, the financial strength and credit ratings are where you want to start.
For now, we want to focus on how well Allstate and Progressive perform for customers.
We’ve compiled data from the top rating agencies in the United States. Check out the most recent ratings to see which company has better grades.
|Agencies||Allstate Ratings||Progressive Ratings|
|AM Best||A+ (Excellent)||A+ (Excellent)|
|Better Business Bureau (BBB)||A+||A-|
|Moody's||A3 (Good)||A2 (Good)|
|S&P||AA- (Very Good)||AA (Very Strong)|
|NAIC Complaint Index||0.41||1.33|
|J.D. Power - Power Circle Ratings||About Average||About Average|
|Apple App Store (iOS)||5 stars||3 stars|
|Google Play Store (Android)||4 stars||4 stars|
Overall, Allstate has better ratings, but it’s very close.
Progressive has better credit ratings, but Allstate has a stable financial outlook along with fewer consumer complaints, strong mobile app ratings, and a perfect Better Business Bureau score.
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Allstate vs. Progressive: What’s the bottom line?
Let’s recap — Progressive is a cheaper company than Allstate, but Allstate has better ratings overall.
Both companies have unique car insurance coverage options, but Allstate has more transparent savings opportunities through discounts.
Comparing auto insurance rates is important, but it all comes down to which car insurance company best serves your needs.
We hope you’ve learned a lot about Allstate vs. Progressive car insurance. Enter your ZIP code in the free online quote tool below to compare the best companies near you.