Allstate vs. Progressive: Compare car insurance rates and see which company is best
You’re looking for the best deal on car insurance, but where do you begin? Chances are, two of the first names to pop up in your search will be Progressive and Allstate – two of the most popular car insurance companies in all 50 states.
But just because they’re the biggest, doesn’t mean they’re the best. After all, each driver has different needs, and that can make it challenging to figure out which insurer is right for you.
Luckily, you don’t need to look any further. We’ve gathered all the details about Allstate and Progressive to help make your choice simpler. Take a look at what consumers and industry experts have to say, and find out what to expect if you cover your vehicle with one of these companies.
Founded in Cleveland in 1937, Progressive claims to offer a fast and easy online auto and homeowners insurance shopping experience. The company was the first to give policy quotes via Facebook Messenger and follow a uniquely innovative approach to protecting drivers.
With over 20 million policies in their portfolio, Progressive is the third-largest car insurance company in the country. The carrier’s 35,000 employees serve customers with both personal and commercial auto coverage options.
Founded in 1931, Allstate sells a wide range of insurance products to its 113 million customers. You probably recognize Allstate from its “Good Hands” slogan and local neighborhood agents. Over 45,000 employees work at the company, offering personalized service with the help of innovative tools.
Allstate’s Drivewise® and Milewise® coverage options supposedly help drivers save money. And in addition to auto insurance, you can purchase Property, Personal, Business, and Employee Benefits plans from Allstate.
Allstate vs. Progressive: How do they stack up?
A great way to find out which carrier is best for you is by looking at reviews. It’s important to take into account not only what customers have to say, but also reviews from experts and other notable organizations that specialize in holding companies accountable. But that doesn’t mean you need to spend hours scouring the internet in search of every last review. Lucky for you, we have compiled the most important ones below.
How happy are Allstate and Progressive customers?
|BBB||A+, 1/5||A+, 1/5|
As you can see, consumers are relatively split when it comes to overall satisfaction with the two carriers. Both Allstate and Progressive boast an A+ rating from the Better Business Bureau, which means they do a good job at responding to customer complaints and putting an emphasis on proper business practices.
You won’t find a ton of glowing reviews for either company, but that’s par for the course for most insurance providers. After all, no one wants to buy auto insurance, and they’re even less happy to file a claim, so it’s like car insurance is something people are jumping for joy about having and using.
There’s not much to separate the two when it comes to user reviews, but what about the rest of the auto insurance industry?
What do experts have to say?
|Standard and Poor’s||A||AA-|
Even experts don’t note a clear winner when it comes to comparing Allstate vs. Progressive. Both are shown to have solid ratings when it comes to credit and overall financial stability, according to S&P, Moody’s and A.M. Best. They also show very similar scores from JD Power, who weigh overall customer satisfaction and consumer loyalty heavily into their ratings.
At the end of the day, there’s a reason why Allstate and Progressive are two of the biggest names in the car insurance industry. They both have the experience and know-how to service customers and keep them happy. If you’re looking for a company with a strong reputation, you can’t really go wrong with Progressive or Allstate.
Whose app is better?
|Apple App Store||3.5/5||4.8/5|
These days, no one wants to carry around a paper ID card with them everywhere they go. That’s why apps have become so popular for many of the top insurance companies. Both Allstate and Progressive offer easy-to-use mobile apps that allow policyholders to pay bills, view their policy, file claims, request roadside assistance, get help from customer service and view digital ID cards. But is one better than the other?
Once again, there’s not enough of a difference in ratings to differentiate the two auto insurance giants. Both companies get near-perfect scores for their Android app, which you can find on the Google Play store, but Apple users on iOS are much happier with Allstate’s app.
However, most complaints were with things like rates, customer service, and claims processing, which have more to do with the company itself than the app.
Allstate vs. Progressive: Who is cheaper?
When you shop for car insurance, remember that many factors contribute to your final monthly or yearly price. Let’s see what some of those factors are and what information you’ll need to gather to get started.
- Make, model, and year
- The primary use (Are you commuting for personal, commercial, or ridesharing purposes?)
- Annual mileage
- Do you own or lease
- Full name
- Phone number
- Marital Status
- License status
- Are you a homeowner?
- Current insurer
- Any accidents, claims, or tickets
A recent national study tells us more about the average annual premium rates.
|Total Average Annual Rate||$1,880||$1,373|
As you can see, Allstate’s premium rates are considerably higher than Progressive’s. On average, policyholders at Allstate pay $500 more per year, and according to consumer reviews we looked at earlier, the quality of service isn’t reflected in this price difference.
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Who has the best auto insurance discounts
You can get all sorts of insurance discounts from both Allstate and Progressive. Some savings have fixed percentage reductions, while others vary.
Allstate Auto Insurance Discounts
|New car (2004 or newer)||30%|
|Passive restraint (airbags and seatbelts)||30%|
|Resident student (100 miles away)||30%|
|55 and retired||10%|
|EZ pay plan||5%|
Progressive Auto Insurance Discounts
|Vehicle Safety Devices||Varies|
|Pay in Full||Varies|
If you compare ways to save on auto insurance, Allstate has more discount programs available than Progressive, which may help lower your monthly premium and close the gap between the two companies.
However, discount options will vary in each state and may not necessarily result in the best overall deal.
Additional Coverage Options
Allstate and Progressive can both cover additional types of vehicles.
- Collector Car
- Commercial Auto
- Travel to Mexico
- Mobile Home
- Personal Watercraft
- off-road vehicles
If you need more options, your Allstate or Progressive agent can likely find a rider or coverage extension to protect your vehicle.
Other Policies from Allstate and Progressive
Allstate and Progressive also sell other coverages, such as:
|Business Owners Policy (BOP)||Yes||Yes|
|Wellness & Fitness||Yes||No|
|Wedding & Event||Yes||Yes|
In addition to the policies above, Allstate also offers Employee Benefits like Critical Illness and Accident & Disability products.
Comparing Payment Options
Allstate and Progressive and similar payment options, except that Progressive allows PayPal billing.
|Credit card: Visa, Mastercard, Discover||Yes||Yes|
|Electronic Funds Transfer||Yes||Yes|
Both Allstate and Progressive offer the following payment options: online, mail, phone, text message, mobile app, or automatic bank transfer.
The Best Carrier if You Have DUIs
If you have a DUI, finding the right insurance could be especially tricky. You’ll need to get SR-22 coverage, and while Progressive and Allstate both offer SR-22 insurance, most people don’t get the best rates from either of these carriers.
A better option is to shop for SR-22 policies at an insurer that specializes in these policies. Luckily, with Compare.com, you can compare dozens of companies all in one place. Just enter your ZIP below to get started.
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- Are Progressive’s online rates the same as the agents’? No. Depending on your location, prices could be different.
- Is it easy to file a claim with Progressive? Yes. You can file a claim online, via the mobile app, or call 1-800-776-4737.
- Does Progressive offer auto insurance in my state? Yes. Progressive sells policies in all 50 states.
- How can I cancel my policy at Progressive? Cancel your policy by calling 1-866-416-2003.
- Can I change my Progressive policy online? You can easily make changes to your coverage on Progressive’s customer service portal.
- Why do rates change after the quote? Your final rate may be higher or lower than the quote, depending on many different factors.
- Is there a mobile app for Progressive? Progressive has an Android and iOS app.
- Does Progressive offer Spanish services? Spanish services are offered through Progressive Agent Espanol and via phone at 1-800-734-8767.
- How can I file a claim with Allstate? Call 1-800-ALLSTATE to file and track your request. You can also use the mobile app, go online, or visit your agent in person.
- Is Allstate good at paying claims? Allstate has a below-average customer satisfaction rating for claims. Your results may very.
- What happens if my payment is late? A late payment could result in a coverage lapse or cancelation of your policy. Get help with missing payments at 1-877-810-2920.
- Can I cancel my Allstate policy? Yes, but you’ll have to provide a written request to your agent.
- Is there an Allstate mobile app? Yes. Allstate has an Android and iOS app.
- Is Allstate insurance available in other languages? Yes. Allstate has a Spanish version of its website and bilingual agents.
Finding the Right Coverage at Compare.com
Just because Allstate and Progressive are two of the biggest names in car insurance doesn’t necessarily mean they’re the best for you. In fact, there are hundreds of car insurance companies out there, many of which specialize in different kinds of drivers and circumstances, meaning you can often find a cheaper rate by avoiding the big names.
Want to find the best rate for you and see how big names like Progressive and Allstate compare? Simply enter your ZIP below!