Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 7, 2021

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Just the Basics

  • 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 a variety of factors.

Continue reading to learn more about factors that affect the price of car insurance.

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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.

Allstate vs. Progressive Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesProgressive 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
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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 insurance 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.

Allstate vs. Progressive Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryAllstate Average Monthly Car Insurance RatesProgressive 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
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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 rates 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.

Allstate vs. Progressive Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Average Monthly Car Insurance RatesProgressive 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
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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 vs. Progressive Car Insurance Coverage Options
Allstate Car Insurance CoveragesProgressive Car Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityComprehensive
Property Damage LiabilityCollision
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageMedical Payments
Personal Umbrella PolicyLoan/Lease Payoff
Personal Injury ProtectionRental Car Reimbursement
Sound System InsuranceCustom Parts and Equipment Value
Roadside AssistanceRideshare Coverage
Classic Auto InsuranceRoadside Assistance
Travel Auto Insurance to MexicoDeductible Savings Bank
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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.

Allstate vs. Progressive Car Insurance Discounts
Auto Insurance Discount NameAllstate Discount ValuesProgressive Discount Values
Accident Forgiveness30%N/A
Anti-lock Brake Discount10%N/A
Anti-Theft Device Discount10%5%
Continuous Coverage DiscountN/ADepends on State
Deductible discountDepends on StateN/A
Defensive Driver Discount20%Depends on State
Discount FinderN/ADepends on State
Driving training discountDepends on StateN/A
Early Quote Discount10%N/A
E-billing Discount10%Depends on State
EV/Hybrid Discount10%N/A
Family DiscountDepends on StateN/A
Farm Vehicle Discount10%N/A
Good Credit DiscountN/A84%
Good Driver Discount10%26%
Good Payer Discount5%N/A
Good Student Discount10%10%
Home Owner DiscountN/ADepends on State
Low Mileage Discount10%Depends on State
Loyalty DiscountN/ADepends on State
Military DiscountN/ADepends on State
Multiple Policy Discount10%10%
Multiple Vehicle Discount10%30%
New Car Discount15%N/A
No lapse in coverage discountN/ADepends on State
Paid in full discount10%Depends on State
Paperless documents discountDepends on StateDepends on State
Passive Restraint Discount10%10%
Preferred payment discount5%Depends on State
Prepay Discount10%Depends on State
Provider Switch DiscountN/ADepends on State
Senior Adult Discount5%N/A
Signing documents when you buy online discountN/ADepends on State
Starting your auto quote online discountN/ADepends on State
Student Away at School Discount5%10%
teenSMART Discount35%Depends on State
Utility Vehicle DiscountDepends on StateN/A
Youth Driving DiscountN/ADepends on State
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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.

Getting discounts is a great way to find cheap car insurance rates. To compare both companies, check the chart and decide what’s the best deal for you. Most discounts are offered by most insurance companies, however, there are some that could save you a lot of money.

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.

Allstate vs. Progressive Financial Strength and Customer Review Ratings
AgenciesAllstate RatingsProgressive Ratings
AM BestA+ (Excellent)A+ (Excellent)
Better Business Bureau (BBB)A+A-
Moody'sA3 (Good)A2 (Good)
S&PAA- (Very Good)AA (Very Strong)
NAIC Complaint Index0.411.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8887
Apple App Store (iOS)5 stars3 stars
Google Play Store (Android)4 stars4 stars
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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 a variety of 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.