Progressive vs. Allstate: Which Is Better for Insurance?
Progressive is better than Allstate for car insurance, with cheaper rates for all driver and coverage types. But Allstate has cheaper home insurance than Progressive and scores a bit better with customers.
Allstate vs. Progressive: Which is the best?
| Allstate is better for… | Progressive is better for… |
|---|---|
| Cheap home insurance Home insurance coverage options Customer service and satisfaction | Cheap car insurance Car insurance coverage options Car insurance discounts |
Progressive is better for car insurance. Its car insurance rates are much cheaper than Allstate’s across the board. Progressive also offers more car insurance discounts and add-on coverages than Allstate.
Allstate is better for home insurance. Its home insurance rates are slightly cheaper than Progressive’s, and it has more coverage options, too.
Progressive vs. Allstate car insurance
Progressive has cheaper auto insurance than Allstate for most drivers, including:
- Adults with clean driving records
- Drivers with tickets or accidents
- Drivers with DUIs
- Drivers with bad credit
- Teen drivers
Progressive also has better car insurance discounts and coverage options than Allstate.
Allstate vs. Progressive: Which has the cheapest car insurance?
Progressive has the cheapest car insurance for adults with clean driving records. At $2,078 a year, Progressive’s full coverage car insurance Full coverage includes collision and comprehensive, which cover your own car for damage and theft. rates are 30% cheaper than Allstate’s.
For liability-only car insurance Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. , Progressive’s average rate is $801 a year. That’s 40% cheaper than Allstate’s average rate.
Progressive’s liability and full coverage rates are cheaper than the national averages for both coverage amounts.
Progressive vs. Allstate car insurance rates
| Company | Liability annual rate | Full coverage annual rate | LendingTree score | |
|---|---|---|---|---|
 | Progressive | $801 | $2,078 |  |
 | Allstate | $1,344 | $2,960 |  |
| U.S. average | $829 | $2,101 | - |
Cheapest for drivers with a ticket or accident: Progressive
Between Allstate and Progressive, Progressive has the cheapest car insurance after a ticket or accident.
At $2,728 a year, Progressive is 22% cheaper than Allstate for drivers with a speeding ticket on their records.
For drivers with an accident on their records, Progressive’s average rate of $3,102 a year is 34% cheaper than Allstate’s.
Progressive vs. Allstate car insurance after accident or ticket
| Company | Annual rate after ticket | Annual rate after accident |
|---|---|---|
| Progressive | $2,728 | $3,102 |
| Allstate | $3,513 | $4,709 |
| U.S. average | $2,591 | $3,147 |
Cheapest for drivers with a DUI: Progressive
With an average rate of $2,656 a year, Progressive has much cheaper DUI car insurance than Allstate.
Progressive’s rate is 43% cheaper than Allstate’s — $4,680 a year — and 32% cheaper than the national average for those with a DUI (driving under the influence) conviction.
Progressive vs. Allstate DUI car insurance quotes
| Company | Annual rate after DUI |
|---|---|
| Progressive | $2,656 |
| Allstate | $4,680 |
| U.S. average | $3,891 |
Cheapest for drivers with bad credit: Progressive
Progressive has the cheapest car insurance for bad credit between it and Allstate.
At $3,621 a year, Progressive’s average rate for drivers with bad credit is cheaper than both Allstate and the national average. Allstate’s rate is $4,855 a year, while the national average is $4,088 a year.
If you live in California, Hawaii, Massachusetts or Michigan, insurance companies can’t base their rates on your credit.
Progressive vs. Allstate bad credit car insurance rates
| Company | Annual rate with poor credit |
|---|---|
| Progressive | $3,621 |
| Allstate | $4,855 |
| U.S. average | $4,088 |
Cheapest for teen drivers: Progressive
Teen drivers get cheaper car insurance from Progressive than from Allstate, on average.
Progressive’s average teen car insurance rate for liability coverage only is $3,111 a year. That’s 21% cheaper than Allstate’s average rate.
Allstate and Progressive are closer when it comes to full coverage insurance for teen drivers. Progressive charges teens around $8,434 a year for full coverage policies, while Allstate charges around $8,547 a year. That’s a difference of just 1%.
Both companies are more expensive than the national average when it comes to teen car insurance.
Progressive vs. Allstate teen car insurance quotes
| Company | Liability annual rate | Full coverage annual rate |
|---|---|---|
| Progressive | $3,111 | $8,434 |
| Allstate | $3,939 | $8,547 |
| U.S. average | $2,673 | $6,359 |
Best car insurance coverages: Progressive
Progressive is better than Allstate for car insurance coverage options. In fact, Progressive offers twice as many ways to customize your policy as Allstate does.
Both companies offer add-on coverages for rental car reimbursement, roadside assistance and rideshare drivers.
Some of the add-ons Progressive offers than Allstate doesn’t include coverage for custom parts, pet injuries and trip interruption.
Progressive vs. Allstate auto insurance coverages
| Coverage | Allstate | Progressive |
|---|---|---|
| Accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. | ||
| Classic car | ||
| Custom parts and equipment value | ||
| Disappearing deductibles Reduces your deductible at no extra cost for avoiding claims. | ||
| Loan/lease payoff Although Progressive's loan/lease payoff coverage is similar to gap insurance, it limits payouts to up to 25% of your vehicle's value. | ||
| Personal umbrella | ||
| Pet injury | ||
| Rental car reimbursement Helps cover your transportation expenses, such as for a rental car, while your vehicle is being repaired. | ||
| Rideshare Rideshare insurance covers you while you wait for pickups with your rideshare app turned on. | ||
| Roadside assistance Helps cover the costs of emergency roadside services like towing, tire changes, jump-starts and lock-out assistance. | ||
| Trip interruption | ||
| Vehicle protection |
Best car insurance discounts: Progressive
Progressive is better than Allstate for car insurance discounts. It has discounts for insuring more than one vehicle, signing online, being a homeowner and more.
Both Allstate and Progressive have discounts for bundling auto and home insurance policies, signing up for autopay, going paperless, driving safely and being a good student.
There’s enough of a difference between the two companies that you should compare car insurance quotes from both before you buy or renew a policy.
Progressive vs. Allstate auto insurance discounts
| Discount | Allstate | Progressive |
|---|---|---|
| Anti-lock brakes | ||
| Anti-theft device | ||
| Automatic payment | ||
| Continuous insurance | ||
| Distant student | ||
| Early signing | ||
| Good student | ||
| Homeowner | ||
| Multi-policy (bundling) | ||
| Multi-vehicle | ||
| New car | ||
| Online quote | ||
| Paperless | ||
| Pay in full | ||
| Responsible payer | ||
| Safe driving | ||
| Sign online | ||
| Teen driver |
Best auto customer satisfaction: Allstate
Allstate is better than Progressive for customer satisfaction, based on the ratings each company has received from J.D. Power and the National Association of Insurance Commissioners (NAIC).
J.D Power gave Allstate better scores for both customer and claims satisfaction in its most recent studies. Still, Allstate’s scores are only average.
Both Allstate and Progressive receive fewer customer complaints than are expected of companies their size, according to their NAIC ratings.
Allstate vs. Progressive auto ratings comparison
| Company | Allstate | Progressive | Industry average |
|---|---|---|---|
| Overall satisfaction Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher scores are better. | 635 (Average) | 622 (Poor) | 644 |
| Claims satisfaction Source: J.D. Power 2024 U.S. Auto Claims Satisfaction Study. Higher scores are better. | 691 (Average) | 672 (Poor) | 697 |
| Complaints Source: NAIC 2024 Complaint Index. Lower ratings are better. | 0.7 (Good) | 0.61 (Good) | 1.0 |
Progressive vs. Allstate home insurance
Allstate is better than Progressive for home insurance. Allstate’s home insurance rates are cheaper than Progressive’s, and it also offers more discounts and coverage options.
Allstate vs. Progressive: Which has the cheapest home insurance?
Between Allstate and Progressive, Allstate has the cheapest home insurance rates. At $2,560 a year, Allstate’s average home insurance rate is 3% cheaper than Progressive’s. Both companies are better than the national average of $2,801 a year.
Allstate and Progressive home insurance rates
| Company | Annual rate | LendingTree score |
|---|---|---|
| Allstate | $2,560 | |
| Progressive | $2,648 | |
| U.S. average | $2,801 | - |
Best home insurance coverages: Allstate
Both Allstate and Progressive offer standard home insurance policies that cover the structure of your home, your belongings, personal liability and more.
Allstate has many more optional home insurance coverages than Progressive, however. Some of the home insurance add-ons you can get from Allstate include coverage for business property, musical instruments, sports equipment, green improvements and home sharing.
You can get water backup coverage from both Allstate and Progressive.
Allstate vs. Progressive home insurance coverages
| Coverage | Allstate | Progressive |
|---|---|---|
| Business property | ||
| Electronic data recovery | ||
| Green improvement reimbursement Covers the additional cost of replacing damaged or destroyed covered items with more energy-efficient items. | ||
| Home sharing Protects you against property damage, theft and liability claims while renting out all or part of your home. | ||
| Identity theft restoration | ||
| Musical instruments | ||
| Personal injury | ||
| Personal umbrella Personal umbrella coverage provides extra coverage for liability claims that go over your regular home insurance policy’s limits. | ||
| Scheduled personal property Provides greater coverage for valuable belongings that are worth more than your personal property limits. | ||
| Sports equipment | ||
| Water backup Covers repair costs when water enters your house because of a sewer or drain backup, or a sump pump overflow. | ||
| Yard and garden |
Best home insurance discounts: Allstate
Both Allstate and Progressive offer several home insurance discounts that can help you save money.
Discounts you can only get from Allstate include ones for applying for a policy seven days before your current one expires, signing up for automatic payments, not filing any claims and being a loyal customer.
Only Progressive offers discounts for getting an advance quote, being a new home buyer, going paperless and paying for your policy in full.
You can get discounts for bundling, new homes and protective devices from both companies.
Allstate vs. Progressive home insurance discounts
| Discount | Allstate | Progressive |
|---|---|---|
| Advance quote | ||
| Automatic payments | ||
| Claim-free | ||
| Early signing | ||
| Loyalty | ||
| Multi-policy (bundling) | ||
| New home | ||
| New homebuyer | ||
| Paperless | ||
| Pay in full | ||
| Protective device | ||
| Responsible payment |
Best home customer satisfaction: Allstate
Allstate is better than Progressive for customer satisfaction, but only barely. Allstate receives fewer customer complaints than Progressive does, but Progressive has a better satisfaction score from J.D. Power.
Allstate vs. Progressive home ratings comparison
| Company | Allstate | Progressive | Industry average |
|---|---|---|---|
| Overall satisfaction Source: J.D. Power 2024 U.S. Home Insurance Study. Higher scores are better. | 631 (Poor) | 634 (Average) | 640 |
| Complaints Source: NAIC 2024 Complaint Index. Lower ratings are better. | 1.07 (Average) | 1.73 (Poor) | 1.0 |
Frequently asked questions
One reason Allstate is more expensive than Progressive for car insurance might be that it sells more policies to high-risk drivers. This could mean young drivers or even adults with tickets, accidents or DUIs on their records.
Another reason could be that Allstate has more customers who drive expensive vehicles than Progressive does. Those drivers pay more for car insurance than drivers with cheaper vehicles do, which would raise Allstate’s average rate.
Progressive isn’t the cheapest car insurance company around, but it is usually cheaper than Allstate. One reason for that could be that it sells coverage to different drivers than Allstate does. If Progressive’s customers tend to be better drivers, or drive safer cars, its average rate would be lower.
Allstate is cheaper than Progressive for home insurance, but not car insurance. That said, home insurance from Allstate is only slightly cheaper than it is from Progressive. Allstate’s average rate is $2,560 a year, or $213 a month. Progressive’s average rate is $2,648 a year, or $221 a month.