Affiliate Disclosure: Automoblog and its partners may earn a commission if you purchase a plan from the car insurance providers outlined here. These commissions come to us at no additional cost to you. Our research team has carefully vetted dozens of car insurance providers. See our Privacy Policy to learn more.
Progressive and Allstate are two of the best-known names in auto insurance, but which is the better option in terms of cost, coverage, and service?
Crash Course:
- Our team rates Progressive slightly ahead of Allstate, largely due to lower rates and better coverage options.
- Both Progressive and Allstate have an A+ from credit rating agency AM Best.
- Progressive and Allstate received the same score in the J.D. Power 2023 Auto Insurance Shopping StudySM.
Allstate and Progressive are two of the biggest car insurance companies in the nation, so if you’re looking for a new car insurance policy, it makes sense that you would feel torn between the two. In this article, we’ll compare Progressive vs. Allstate in terms of coverage, cost, and customer reviews to help you decide which is best for you.
We consider both providers to be among the best car insurance companies, but when it comes down to it, you likely only need one to insure your vehicle. When you’re ready to start comparing personalized auto insurance quotes, enter your zip code into the tool above.
Progressive and Allstate Highlights
For this insurance comparison, we’ve outlined a few highlights of each car insurance company and its policies. Here’s an overview of Progressive vs. Allstate:
| Progressive | Allstate | |
| Overall Rating | 4.5 | 4.4 |
| Availability | 50 states | 50 states |
| Coverage | 4.8 | 4.6 |
| Affordability | 3.9 | 3.6 |
| Customer Service | 4.1 | 4.2 |
| AM Best Financial Strength Rating | A+ | A+ |
| J.D. Power Claims Servicing | 870/1,000 | 882/1,000 |
| Mobile App Google Play Rating | 4.6 | 3.8 |
| Mobile App App Store Rating | 4.8 | 4.8 |
We found that Progressive auto insurance comes out on top in terms of the overall rating, but there’s a lot more to it than just the highlight reel. We’ll take a closer look at each of these areas below to help you make your decision.
Progressive vs. Allstate: Coverage Options
As key players in the insurance industry, Progressive and Allstate offer multiple insurance products to customers, like homeowners and renters insurance, as well as business and health policies.
In addition to the standard types of auto insurance, you can get extra coverages like roadside assistance and rideshare insurance with either insurer. Beyond that, there are a few differences between Progressive and Allstate auto insurance coverage, like Allstate’s Mexico tourist coverage and Progressive’s custom parts and equipment value.
| Progressive | Allstate | |
|---|---|---|
| Bodily Injury Liability (BI) | x | x |
| Property Damage Liability (PD) | x | x |
| Collision | x | x |
| Comprehensive | x | x |
| Personal Injury Protection (PIP) | x | x |
| Medical Payments (MedPay) | x | x |
| Uninsured/Underinsured Motorist (UM/UIM) | x | x |
| Roadside Assistance | x | x |
| Rental Car Reimbursement | x | x |
| Rideshare Insurance | x | x |
| Accident Forgiveness | x | x |
| Mexico Tourist Car Insurance | x | |
| Guaranteed Asset Protection (GAP) Insurance | x | x |
| Custom Parts and Equipment Value (CPE) | x | |
| Deductible Savings Bank | x | x |
Progressive’s small accident forgiveness starts as soon as you become a Progressive insurance customer and covers claims less than $500. Large accident forgiveness is available to customers who have been with the insurer for at least five years with no accidents or violations.
Allstate also offers accident forgiveness on day one. With this add-on, your rates won’t go up, even with an at-fault accident.
Here’s what stands out to us about Progressive:
- Custom parts and equipment value: CPE will repair or replace vehicle add-ons like stereos, navigation systems, custom wheels, and paint jobs in the event that they are damaged or stolen.
And this is a policy option we like from Allstate:
- Mexico tourist car insurance: Drivers planning road trips to Mexico need the proper car insurance to drive in the country. With this coverage from Allstate, your stay in Mexico can be up to one year long with your car fully covered.
We considered the pros and cons of each auto insurer, and although it’s a close competition, we think Progressive wins out when it comes to coverage.
Having Mexico tourist car insurance from Allstate is great if you travel to Mexico often. But the coverage doesn’t have the same everyday appeal as Progressive’s CPE, which covers a good amount of parts with a $5,000 limit.
Progressive vs. Allstate: Cost And Discounts
How much auto insurance costs depends on a few factors, like your age, driving record, location, and the insurance company you choose to underwrite your policy. In general, we found Progressive to have the cheapest car insurance rates when compared to Allstate.
Below are some of the most typical car insurance discounts most providers offer.
Both Progressive and Allstate offer a number of car insurance discounts that can help you save on policy. See how they stack up against each other in the table below:
| Discount | Progressive | Allstate |
|---|---|---|
| Multi-Policy | x | x |
| Good Student | x | x |
| Safe Driver | x | x |
| Paperless | x | x |
| Pay in Full | x | x |
| Automatic Payment | x | x |
| Anti-Theft | x | x |
| Continuous Insurance | x | |
| Teen Driver | x | |
| Student Away At School | x | x |
| Homeowner | x | |
| Online Quote | x | |
| Sign Online | x | |
| Multiple Vehicle | x | |
| New Vehicle | x | |
| Anti-Lock Brakes | x | |
| Early Signing | x | |
| Responsible Payer | x |
Standout Discounts From Allstate
Below are some of the unique discounts Allstate offers:
- Safe Driving Bonus®: For every six months that you go accident-free, you receive a bonus for being a good driver. Plus, you’ll get $100 off of your collision deductible the day that you sign up and an additional $100 off each year you go accident-free (up to $500 total).
- Drivewise® app: Download Allstate’s Drivewise app, its telematics program, to get personalized feedback on your driving. Your safe driving habits could qualify you for lower auto insurance rates.
Standout Discounts From Progressive
Below are some of the unique discounts Progressive offers:
- Continuous insurance: You can get a discount if you’ve been consistently insured with no gaps or cancellations.
- Snapshot® app: Snapshot monitors safe driving habits and adjusts car insurance rates accordingly. Fortunately, the data acquired by this app can never work against you to increase your rates. The Snapshot program can be accessed through a plug-in device or via the Progressive mobile app.
Progressive vs. Allstate: Quotes Processes
You can get Progressive and Allstate car insurance quotes online and by phone. If you’re shopping directly on Progressive’s website, Progressive offers the Name Your Price® tool. You can input the price you want to pay for car insurance first, and the tool will match you with a plan that fits your budget.
The companies are so similar when it comes to getting a quote that they tied in J.D. Power’s 2023 Insurance Shopping StudySM. Allstate and Progressive each came away with 853 out of 1,000 points in the study.
Progressive Vs Allstate: Ratings And Customer Reviews
Similar to J.D. Power ratings, industry experts rate Progressive and Allstate similarly across the board. Both auto insurance companies hold A+ ratings from AM Best, which grades financial strength and the ability to fulfill claims. Allstate does have an A+ rating from the Better Business Bureau (BBB), while Progressive holds a B.
Let’s take a look at Progressive vs. Allstate by region. Here are the results from the J.D. Power 2023 U.S. Auto Insurance StudySM, which rates overall customer satisfaction on a scale of 1,000 points:
| Region | Region Average Score | Progressive | Allstate |
|---|---|---|---|
| California | 813 | 809 | 816 |
| Central (Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota) | 822 | 803 | 806 |
| Florida | 810 | 801 | 821 |
| Mid-Atlantic (Delaware, Washington, D.C., Maryland, New Jersey, Pennsylvania, Virginia, and West Virginia) | 830 | 814 | 825 |
| New England (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont) | 816 | 802 | 816 |
| New York | 819 | 818 | 819 |
| North Central (Illinois, Indiana, Michigan, Ohio, and Wisconsin) | 825 | 816 | 822 |
| Northwest (Idaho, Montana, Oregon, Washington, and Wyoming) | 810 | 807 | 783 |
| Southeast (Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee) | 839 | 836 | 832 |
| Southwest (Arizona, Colorado, Nevada, New Mexico, and Utah) | 816 | 809 | 801 |
| Texas | 816 | 813 | 809 |
Progressive and Allstate Customer Reviews
One way to get a good handle on a company’s service is to see what policyholders say about their service. We analyzed customer reviews on the BBB to see how they rate their experiences.
Positive reviews about Allstate car insurance reference satisfaction with bundling auto and homeowners insurance policies, helpful customer service representatives, and satisfactory claims outcomes. Negative reviews discuss slow inspections during the claims process, with some customers waiting weeks or months for an adjuster.
Like Allstate, Progressive also has a mix of positive and negative comments. Positive reviewers highlight helpful, professional staff and speedy claims processing. Negative reviewers report issues with canceling policies and increased rates due to hidden fees.
A few customer reviews also mentioned Progressive and Allstate’s claims processes. When you compare Progressive and Allstate claims, Allstate takes the lead. In the J.D. Power 2023 Auto Claims Satisfaction StudySM, Progressive earned 870 out of a possible 1,000 points compared to Allstate’s 882. The average score for the study, which featured 24 national and regional providers, was 878.
Customers can file a claim online, over the phone, or via the mobile app with either auto insurance company.
Progressive vs. Allstate: Which Is the Better Provider?
Below, we evaluated both providers in a few key categories and named a winner to give you a better idea of each insurer’s strengths.
| Category | Winner |
|---|---|
| Coverage | Progressive |
| Cost And Discounts | Progressive |
| Quotes And Claims | Tie |
| Ratings And Customer Reviews | Allstate |
| Final Decision | Progressive |
It’s a close competition between Progressive vs. Allstate, but in the end, we think most drivers will find slightly better coverage with Progressive. Your premium will depend entirely on your personal details and driving history though, so we recommend comparing car insurance quotes from each provider to find the best rate for you.
To learn more, read our full Progressive car insurance review and our Allstate car insurance review. Or, get a free quote from both companies right away by entering your zip code below.
Other Recommended Providers
When we reviewed the best car insurance companies in the nation, Progressive and Allstate were near the top of our list, but it was Geico and USAA that we found to be better overall. While you’re comparing Progressive and Allstate, consider getting a quote from these top providers, too, using our free tool above.
USAA: Best For Military
USAA has high marks across the board for coverage, cost, and customer reviews. Along with standard coverage like liability auto insurance and collision insurance, you can get roadside assistance, rental car reimbursement, and accident forgiveness with USAA. Plus, the car insurance company offers competitive discounts, like up to 15% off if you park your car on a military base. Learn more about coverage in our comprehensive USAA auto insurance review.
USAA is only available to active military members, veterans, and their immediate family members. If you don’t fall into one of those categories, you should consider Geico.
Read more: Geico vs. USAA
Geico: Most Discount Options
In our Geico car insurance review, we were impressed by the insurer’s low rates, exceptional customer service, and long list of discounts that can save drivers up to 25% on their premiums. Geico offers roadside assistance, rental car reimbursement, and mechanical breakdown insurance along with standard coverage.
Read more: Geico vs. Progressive
Progressive vs. Allstate: Conclusion
Progressive and Allstate have a lot of similarities, but we give the slight edge to Progressive. Slightly better coverage options and several levels of accident forgiveness help Progressive come out just above Allstate in our rankings.
Progressive vs. Allstate: FAQ
Below are some frequently asked questions about Progressive vs. Allstate:
Is Progressive the same as Allstate?
Progressive and Allstate are separate companies, although they do share many similarities. According to the National Association of Insurance Commissioners (NAIC), Progressive is the second-largest auto insurer in the United States with 14% of the market share, two spots ahead of Allstate.
What insurance is better than Progressive?
Our team ranks Travelers, State Farm, and Erie Insurance ahead of Progressive in our industry-wide study of auto insurers. Like Progressive, we give USAA 4.5 out of 5.0 stars overall. However, USAA is available only to members of the military, veterans, and their families.
Can I trust Progressive?
With an A+ rating from AM Best and a B from the BBB, it’s safe to say you can trust Progressive. We should note, however, that Progressive had a below-average score in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.
