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Bottom line: Progressive is a better choice for people who have recent car accidents on their driving record. Allstate is a better choice if you want to try pay-per-mile car insurance.
Progressive generally offers cheaper car insurance premiums than Allstate, especially for drivers with an accident history. Unless you choose a unique coverage option like Allstate's Milewise® pay-per-mile insurance (which Progressive doesn't offer), Allstate is not likely to be the lower-cost choice for most car insurance customers.
Type of Driver | Which Is Cheaper? | Progressive's Annual Rate | Allstate's Annual Rate |
---|---|---|---|
Average drivers | Progressive | $2,104 | $2,767 |
Teens | Progressive | $6,314 | $7,979 |
Drivers with a speeding ticket | Progressive | $2,576 | $3,232 |
Drivers with accident on record | Progressive | $3,140 | $4,090 |
Drivers with a DUI | Progressive | $2,535 | $4,220 |
Drivers with poor credit | Progressive | $3,162 | $4,622 |
Progressive and Allstate both offer a wide range of auto insurance policies and coverage types. Here are the types of auto insurance that you can buy with Progressive vs. Allstate -- both car insurance companies provide policies for a wide range of vehicles, lifestyles, and situations:
Type of Auto Insurance Policy | Does Progressive Offer It? | Does Allstate Offer It? |
---|---|---|
Auto insurance | Yes | Yes |
Rideshare insurance | Yes | Yes |
Classic car insurance | Yes | Yes |
Golf cart insurance | Yes | Yes |
Mexico auto insurance | Yes | Yes |
Motorcycle insurance | Yes | Yes |
RV/trailer insurance | Yes | Yes |
Segway insurance | Yes | Yes |
Snowmobile insurance | Yes | Yes |
Off-road vehicle/ATV insurance | Yes | Yes |
Boat insurance | Yes | Yes |
Whether you want basic liability insurance or comprehensive coverage for the worst-case scenarios of owning a car, Progressive and Allstate both can cover your auto insurance needs. Here are a few types of auto insurance coverages you can choose from with Progressive vs. Allstate:
Type of Auto Insurance Coverage | Does Progressive Offer It? | Does Allstate Offer It? |
---|---|---|
Liability | Yes | Yes |
Collision | Yes | Yes |
Comprehensive | Yes | Yes |
Uninsured/underinsured motorist | Yes | Yes |
Medical payments | Yes | Yes |
Personal injury protection | Yes | Yes |
Loan/lease payoff ("gap insurance") | Yes | Yes |
Pet injury | Yes | No |
Rental car reimbursement | Yes | Yes |
Personal umbrella policy | Yes | Yes |
Custom value parts and equipment | Yes | No |
Roadside assistance | Yes | Yes |
Both Allstate and Progressive offer the standard coverages that you'd expect from any of the best insurance companies. But Progressive offers two unique types of auto insurance coverages that Allstate doesn't have:
Most car insurance companies offer a standard set of optional discounts, such as bundling home and auto, or safe driver discounts. But Progressive and Allstate have some unique discounts that not every insurance company will provide.
Let's look at the auto insurance discounts available from Progressive vs. Allstate.
Type of Auto Insurance Discount | Does Progressive Offer It? | Does Allstate Offer It? |
---|---|---|
Automatic payments | Yes | Yes |
Pay in full | Yes | Yes |
Paperless statements | Yes | Yes |
Online quotes and signing up online | Yes | No |
Homeowner | Yes | No |
Distant student | Yes | Yes |
Good driver | Yes | Yes |
Good student | Yes | Yes |
Continuous insurance | Yes | No |
Early signing | No | Yes |
New car | No | Yes |
Anti-lock brake | No | Yes |
Anti-theft device | No | Yes |
Responsible payer | No | Yes |
Multi-car | Yes | Yes |
Multi-policy (i.e. bundling home and auto) | Yes | Yes |
Reduced deductibles for safe driving | Yes | Yes |
"Usage-based" or telematics insurance to reward safer driving | Yes -- Snapshot | Yes -- Drivewise® |
Pay-per-mile car insurance | No | Yes |
Deciding between Progressive vs. Allstate gets more interesting when you look at each company's special discounts. These car insurance companies have some creative options for how to save money on auto insurance premiums. A few highlights:
Getting into car crashes is stressful and expensive, but having the help of the best car insurance companies can make the process easier. Progressive and Allstate did not rank among the top five car insurance companies in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Allstate ranked 8th, and Progressive ranked 19th.
This doesn't mean that either company is not "good" at managing auto insurance claims. But if it's important to you to get the highest level of support and efficient processing of your car repairs and claims, you might want to carefully read customer reviews or consider other car insurance companies.
Progressive and Allstate both offer several options to buy car insurance and get customer support. Both companies let you get car insurance price quotes online or by phone, or you can work with local agents near you.
Allstate has its own national network of insurance agents that sell Allstate car insurance and other Allstate insurance policies, while Progressive works with 40,000 independent insurance agents and brokers nationwide.
Unfortunately, neither Allstate or Progressive is ranked highly for customer satisfaction. According to the 2023 J.D. Power U.S. Auto Insurance Study, these two car insurance companies did not rank as the best company for customer satisfaction in any region of the U.S. -- although Allstate got 2nd place in Florida and 4th place in New England. However, Progressive's Snapshot telematics insurance tied for first place for the best "usage based insurance", along with Geico and State Farm.
If you're choosing between Progressive vs. Allstate car insurance, based on The Motley Fool Ascent's research, Progressive is likely to offer lower-cost premiums for most drivers. But depending on the special circumstances of your vehicle and your overall lifestyle as a driver, Allstate could offer some discounts that are worth a look.
For example, if you're a homeowner who recently had a car accident, Progressive's insurance rates might be lower for you than what Allstate would offer. But if you have a new vehicle with an anti-theft device, and you don't drive many miles per month, Allstate's pay-per-mile insurance might give you a better package of discounts.
Offer | Best For | Next Steps |
---|---|---|
Progressive
|
Great For: Best for coverage options and discounts | |
Allstate
|
Great For: Best for low-mileage drivers |
Progressive is the better choice for cheap car insurance for people who have an accident history, who want loyalty discounts, or who want usage-based insurance (UBI) ("telematics" insurance) that rewards safer driving.
Allstate is right for people who want pay-per-mile car insurance, who want discounts for driving a brand-new vehicle, or who want support from a local, dedicated Allstate agent.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.