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10+ years in content creation
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Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
Updated
Progressive and Allstate are two of America’s largest insurance companies, and for good reason. Both companies have strong reputations — Allstate ranks as the fourth-largest insurer by market share, while Progressive holds the second spot.[1] But the two insurers differ in several notable ways.
Allstate often delivers value with lower average rates and higher customer satisfaction scores. Progressive, on the other hand, stands out for its broader availability and superior digital tools for managing your policy.
Ultimately, the better choice depends on what matters most to you, whether that’s affordability, customer service, convenience, or something else entirely.
The article below explores the differences between Progressive and Allstate. We compare car insurance rates, coverage, and discounts to help you decide on the best company for you.
Allstate typically offers lower average rates than Progressive for both liability and full-coverage policies.
Progressive offers more comprehensive coverage options — including pet injury and mechanical breakdown coverage — than Allstate.
Both companies offer telematics programs, but unsafe driving behavior could increase your premiums.
| User Reviews | 3.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
Progressive's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive has built its reputation on innovation and convenience, becoming the second-largest auto insurer in the U.S. with nearly 17% market share. It operates in all 50 states and offers comprehensive online and mobile policy management tools.
The company’s highly rated mobile app lets you get quotes, purchase coverage, and manage claims entirely online. Its Snapshot telematics program monitors your driving habits through the app and provides personalized feedback, including tailored driving tips after each trip.
Progressive also offers a wide range of coverage options, including unique features like pet injury protection and mechanical breakdown insurance.
Available nationwide
Advanced digital tools
Comprehensive telematics program
Higher average rates
Below-average customer satisfaction
Telematics program can increase rates
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $154/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
As the fourth-largest insurer in the U.S. with nearly 11% market share, Allstate has built a strong reputation for customer satisfaction and competitive pricing. The company takes a more traditional approach to car insurance, with its extensive agent network and personalized customer service.
Allstate’s Drivewise telematics program offers similar monitoring to Progressive's Snapshot, but with one key difference: It provides both a participation discount and performance-based rewards for safe driving. The program also includes crash detection that can automatically offer help if you’re in an accident.
Lower average rates than Progressive
Better customer satisfaction scores
Large network of agents
Smaller geographic footprint
Fewer digital features
Limited availability in some states
When choosing an insurer, it’s important to consider factors like cost, customer satisfaction, policy management features, availability, and financial strength. Each company’s approach to these areas reflects its overall philosophy and target customer base.
Here’s how Allstate and Progressive compare across five categories we use to evaluate insurers.
Category | Progressive | Allstate |
|---|---|---|
| Cost | 4.3/5 | 5/5 |
| Customer satisfaction | 3.3/5 | 3.7/5 |
| Policy management | 4.8/5 | 4.8/5 |
| Availability | 5/5 | 5/5 |
| Industry reputation | 4.7/5 | 4.7/5 |
| Overall Score | 4.50/5 | 4.93/5 |
Allstate earns higher marks for affordability and customer satisfaction, while Progressive excels in digital policy management and geographic reach. Both companies have strong industry reputations, solid financial ratings, and a nationwide presence.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s propriety Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Insurance rates vary widely. Not just between companies but also based on factors like your age, driving record, location, credit history, and vehicle type. What’s affordable for your neighbor might be costly for you, which is why it’s smart to shop around and compare rates.
It’s worth noting that if you finance or lease your car, your lender will typically require you to have comprehensive and collision coverage in addition to your state’s minimum liability requirements. While full coverage usually costs more, it offers essential protection for your vehicle.
Take a look at the table below. Our data shows that Allstate generally offers cheaper rates than Progressive across most driver profiles and coverage levels.
Driver Type | Progressive | Allstate | Industry Average |
|---|---|---|---|
| All drivers | $134 | $154 | $185 |
| Teens | $0 | $0 | $347 |
| Seniors | $0 | $0 | $160 |
| Recent ticket | $0 | $0 | $238 |
| Recent accident | $0 | $0 | $248 |
| DUI conviction | $0 | $0 | $265 |
| Poor credit | $0 | $0 | $226 |
Policies start as low as $47 per month.
The state you live in can affect your rates due to factors like local accident and crime rates, weather trends, population density, and state regulations. Urban areas with heavy traffic typically see higher premiums than rural locations.
Here’s how Progressive and Allstate compare across different states, based on Compare.com data.
State | Progressive | Allstate |
|---|---|---|
| Alabama | $105 | $100 |
| Alaska | N/A | $214 |
| Arizona | $130 | $165 |
| Arkansas | $100 | $115 |
| California | N/A | $273 |
| Colorado | $145 | $246 |
| Connecticut | $212 | $230 |
| Delaware | $183 | $222 |
| Florida | $155 | $179 |
| Georgia | $202 | $281 |
| Hawaii | N/A | $250 |
| Idaho | $89 | $100 |
| Illinois | $131 | $153 |
| Indiana | $86 | $118 |
| Iowa | N/A | $93 |
| Kansas | $125 | $146 |
| Kentucky | $117 | $171 |
| Louisiana | $137 | $168 |
| Maine | N/A | $140 |
| Maryland | $259 | $237 |
| Massachusetts | $193 | $282 |
| Michigan | $162 | N/A |
| Minnesota | $101 | $168 |
| Mississippi | $118 | $121 |
| Missouri | $100 | $166 |
| Montana | N/A | $121 |
| Nebraska | $108 | $142 |
| Nevada | $282 | $302 |
| New Hampshire | N/A | $91 |
| New Jersey | $275 | N/A |
| New Mexico | $107 | $139 |
| New York | $397 | $210 |
| North Carolina | $99 | $87 |
| North Dakota | N/A | $107 |
| Ohio | $89 | $107 |
| Oklahoma | $107 | $189 |
| Oregon | $130 | $189 |
| Pennsylvania | $176 | $145 |
| Rhode Island | $230 | $261 |
| South Carolina | $191 | $222 |
| South Dakota | N/A | $110 |
| Tennessee | $93 | $124 |
| Texas | $147 | $208 |
| Utah | $158 | $141 |
| Vermont | N/A | $153 |
| Virginia | $147 | $220 |
| Washington | $156 | $171 |
| District of Columbia | $326 | $592 |
| West Virginia | $104 | $161 |
| Wisconsin | N/A | $105 |
| Wyoming | N/A | $104 |
While Progressive and Allstate offer the standard auto insurance coverages you’d expect, including liability coverage that nearly every state requires.[2] But each company may have slightly different add-on features.
Here’s how Progressive and Allstate stack up in different states, according to our data.
Coverage Type | Progressive | Allstate |
|---|---|---|
| Liability | ✓ | ✓ |
| Collision | ✓ | ✓ |
| Comprehensive | ✓ | ✓ |
| Uninsured motorist | ✓ | ✓ |
| Medical payments | ✓ | ✓ |
| Personal injury protection | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ |
| Rental reimbursement | ✓ | ✓ |
| Gap coverage | ✓ | ✓ |
| Rideshare coverage | ✓ | ✓ |
| Pet injury coverage | ✓ | |
| Mechanical breakdown | ✓ |
Progressive has slightly more coverage options than Allstate, according to our research. It offers pet injury coverage that can pay up to $1,000 for your pet’s medical bills after an injury, and mechanical breakdown coverage for system repairs. Allstate provides traditional coverage options and specializes in areas like classic car insurance and Mexico travel coverage.
Car insurance discounts can help you lower your auto insurance costs. Progressive and Allstate both offer plenty of discounts with similar opportunities. Let’s see how the two companies compare for discounts. Keep in mind that some discounts vary by state.
Discount Type | Progressive | Allstate |
|---|---|---|
| Multi-policy | ✓ | ✓ |
| Multi-car | ✓ | ✓ |
| Good student | ✓ | ✓ |
| Distant student | ✓ | |
| Good driver | ✓ | ✓ |
| Homeowner | ✓ | |
| Anti-theft device | ✓ | |
| Anti-lock brakes | ✓ | |
| New vehicle | ✓ | |
| Online quote | ✓ | |
| Paperless billing | ✓ | ✓ |
| Pay in full | ✓ | ✓ |
| Automatic payment | ✓ | ✓ |
| Early signing | ✗ | ✓ |
Allstate wins by a hair, offering 11 discounts compared to Progressive's 10, according to our research. Progressive has discounts for homeowners, online quotes, and students away at school.
But with Allstate, you can get vehicle safety discounts for features like anti-lock brakes and anti-theft devices. You can also get an early signing discount with Allstate if you purchase your policy seven or more days before it takes effect.
Customer reviews can give you valuable insight into how well an insurer handles claims, customer service, and overall satisfaction. Both Allstate and Progressive receive mixed feedback, but patterns emerge when you look at thousands of customer experiences.
Recent customer reviews show that drivers appreciate Progressive's user-friendly technology and quick quote process, but some express frustration with rate increases and customer service quality. Allstate customers tend to praise the company’s local agents and claims handling process, though some find that pricing becomes less competitive over time.
Here’s what Progressive and Allstate customers have to say about their experiences with the companies.
The average driver saves up to $867.*
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Usage-based insurance programs monitor your driving habits to potentially lower your premiums based on safe driving behaviors. They’re ideal for drivers who avoid hard braking and late-night driving and maintain steady speeds.
Progressive’s Snapshot uses a mobile app to monitor factors like time of day, mileage, and braking. After each trip, you’ll receive personalized feedback, including a star rating, data summary, and driving tips to help improve your score. Safe drivers may earn significant discounts, but risky driving can lead to higher rates.
Allstate’s Drivewise also tracks your driving through its mobile app and rewards you for staying under 80 mph, avoiding sudden stops, and limiting late-night trips. New customers get a participation discount after taking at least one trip per policy period and may receive additional rewards after 50 trips.
Like Snapshot, Drivewise can increase your rates if it detects risky driving behaviors. It also includes crash detection and automatic assistance if you get into a serious accident.
If you’re still on the fence about which company to choose. Here are answers to the most commonly asked questions about Progressive and Allstate.
Neither company is the best choice for every driver.
Allstate may be a better fit for cost-conscious drivers who value personal service. Progressive could be the right choice if you prioritize nationwide availability and advanced digital tools.
The best car insurance company depends on your personal needs and circumstances. State Farm, GEICO, and Allstate rank among the top-performing companies for overall value and service quality, according to our research.
The cheapest company depends on factors like your age, location, driving record, and coverage needs. Comparing personalized quotes from both companies is the best way to know which will be the cheapest for you. That said, Progressive’s monthly premium averages $134, while Allstate’s costs around $154, according to our data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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