Allstate vs. Progressive: Which Car Insurance Is Cheaper?
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UPDATED: May 26, 2021
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- Both Allstate and Progressive have been awarded excellent ratings by government, financial, and consumer agencies
- Allstate has an impressive number of discounts and substantial savings of up to 45%
- Progressive car insurance for teen drivers is 8% cheaper than Allstate and 27% cheaper for all other ages
- Drivers that get a speeding ticket or cause an accident will have a sharper increase in rates with Allstate than with Progressive
- Progressive is a good choice if you have bad credit or a DUI on your record
You probably know the basics of car insurance since you’ve landed here, so it’s time to compare two great contenders — Allstate vs. Progressive — and choose the company that will have your back when you need it.
You have a lot of choices when it comes to automobile insurance companies, and comparing them side by side will help you narrow down your options. To see which one suits your needs best, we will look at the pros and cons of Allstate vs. Progressive car insurance companies.
Which company will provide the best and cheapest car insurance for you? Progressive’s car insurance rates are cheaper than Allstate’s car insurance rates through all of our comparison points.
Keep reading to compare affordable Allstate vs. Progressive car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Is Allstate car insurance or Progressive car insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced?
Car insurance companies believe this, especially when it comes to determining your car insurance rates. They believe the more years of experience we have, the more cautious and safe we are as drivers.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base car insurance rates on gender and marital status. Some states have outlawed this discriminatory practice — but not all.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$9,282||$8,690|
|Single 17-year-old male||$10,643||$9,625|
|Single 25-year-old female||$3,425||$2,698|
|Single 25-year-old male||$3,571||$2,759|
|Married 35-year-old female||$3,156||$2,297|
|Married 35-year-old male||$3,123||$2,175|
|Married 60-year-old female||$2,913||$1,991|
|Married 60-year-old male||$2,991||$2,049|
Progressive’s car insurance rates are 27% cheaper than Allstate’s car insurance rates for drivers 25 and older.
Coming in at 8% cheaper than Allstate, Progressive is the better choice if you have a teen driver on your policy.
Is Allstate car insurance or Progressive car insurance cheaper based on driving record?
No matter what car insurance company you select, your Allstate vs. Progressive car insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUI.
The riskier a driver you are, the more of a liability you are to a car insurance company. Allstate and Progressive are no exception.
|Infraction||Allstate Average Annual Rates||Progressive Average Annual Rates|
|With one speeding violation||$4,484||$4,002|
|With one accident||$4,988||$4,777|
|With one DUI||$6,261||$3,970|
In general, Progressive has cheaper car insurance rates than Allstate for drivers with any type of driving record.
However, Progressive is more punitive with customers who get a speeding ticket or cause an accident.
Expect your Progressive rates to increase by about 18% for a speeding infraction and around 41% if you cause an accident.
If you get a DUI while with Progressive, your rates will increase by 17%. So, it seems that Progressive is harsher on drivers that cause an accident than drivers that get a DUI, which is unusual.
With Allstate, you can expect your rates to increase by around 17% for a speeding ticket, 31% for an accident, and 64% for a DUI.
Is Allstate car insurance or Progressive car insurance cheaper based on credit score?
Your credit score reflects your ability to manage your finances and make good choices, as well as pay your bills on time. Car insurance companies assume that the more financially responsible you are, the safer you are behind the wheel.
A traumatic financial event like a divorce or unexpected medical costs is likely to decrease your credit score. Many people believe this to be unfair since events like these often occur through no fault of our own.
As with gender and marital status, some states have banned car insurance companies from basing rates on credit history. Let’s take a look at how Allstate and Progressive compare when it comes to rates based on credit score.
|Credit Score||Allstate Average Annual Rates||Progressive Average Annual Rates|
|Good Credit (670-739)||$3,860||$3,629|
|Fair Credit Score (580-669)||$4,581||$3,956|
|Poor Credit Score (300-579)||$6,491||$4,738|
Progressive comes in cheaper than Allstate if you have bad credit.
If your credit score tanks while with Allstate, expect to pay 68% more than drivers with good credit. With Progressive, your rates will increase by only 28% if your credit score drops significantly.
When it’s time to renew your six-month policy, and you notice your rate has gone up, it could be because your credit score dropped.
Use your Allstate login or Progressive login to make temporary adjustments to your deductible and coverage levels, if needed. This will lower your rate for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway. If you don’t want to adjust your deductible or coverage, it may be a good time to get car insurance quotes and consider a different insurance provider.
Some states have banned car insurance companies from checking your credit. Be sure to check out our car insurance by state page before judging Allstate and Liberty Mutual car insurance rates based on credit score alone.
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Does Allstate or Progressive have better car insurance discounts?
Car insurance discounts are a great way to lower your rate, and different companies offer different discounts.
This is why it pays to shop around. Let’s take a look at Allstate car insurance discounts and Progressive car insurance discounts.
|Discounts||Allstate (%)||Progressive (%)|
|Daytime Running Lights||2||N/A|
|Electronic Stability Control||2||N/A|
|On Time Payments||5||N/A|
When comparing all discounts that either company offers, Allstate has a total of 24 car insurance discounts while Progressive has only eight discounts.
Even though Progressive has cheaper rates, Allstate has some competitive discounts.
With Allstate, you can save between 30% and 45% for being a safe driver, being claim-free, having a newer vehicle, having airbags, or being a distant student.
Progressive’s largest discount is 50% for using paperless documents. Progressive also offers a 31% discount for being a safe driver.
Both Allstate and Progressive provide a 20% discount for using their driving app or driving device.
What types of car insurance coverages are offered by Allstate and Progressive?
Since both Allstate and Progressive are on the big contender list for market share in the car insurance industry, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability car insurance coverage (bodily injury and property damage)
- Comprehensive car insurance coverage
- Collision car insurance coverage
- Uninsured/underinsured car insurance coverage
- Medical payments (MedPay) car insurance coverage (particularly important in states that require no-fault car insurance)
- Personal injury protection (PIP) car insurance coverage
Be sure to take a close look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.
Does Allstate or Progressive have better car insurance mobile apps?
Most of the top 10 car insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of car insurance coverage.
However, most car insurance companies have a separate app for their usage-based car insurance programs.
Usually, your Allstate insurance login or Progressive insurance login will work with both the general app and the driving app.
How do Allstate and Progressive car insurance compare in financial strength and customer satisfaction?
If car insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them too.
Below, we list ratings for Allstate and Progressive from the top agencies that judge the credibility of all car insurance companies.
And if you’re considering investing in Allstate vs. Progressive stock, these ratings will provide some guidance.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and Progressive claims process, step by step.
In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.
In 2017, the national average complaint ratio was one. The lower the ratio, the better.
|AM Best Rating||A+||A+|
|NAIC Company Complaint Ratio||0.5||0.75|
|NAIC Total Complaints||163||120|
Allstate and Progressive are on top of things when it comes to external ratings by government, financial, and consumer agencies.
You will have a good experience with Allstate and Progressive customer service, and you can expect financial sustainability with either company.
Before you buy Allstate vs. Progressive car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
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