Allstate vs. Progressive Car Insurance (2021)

When comparing Allstate vs. Progressive, you will find that they offer similar coverage options, although in most cases Progressive insurance rates are lower. Both Allstate and Progressive have similar high ratings from top financial rating sites, including A.M. Best. Allstate and Progressive offer multiple discounts that can help you save on car insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 21, 2021

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The Highlights

  • Allstate and Progressive offer similar rates with Progressive being slightly lower in most cases.
  • Both companies offer plenty of discounts, which can help save plenty on rates.
  • Progressive and Allstate base their rates on many factors, including age and credit score.

Two of the most well-known companies in the United States, Progressive and Allstate offer many different auto insurance coverage options.

If your search through the best insurance companies has come down to Allstate vs. Progressive, then there are many things you will want to consider, including the rates they offer, their financial ratings, and more. Below, we have provided all the information you need to make an informed decision between Allstate vs. Progressive.

When looking to buy Allstate vs. Progressive car insurance, you will find that rates can vary based on many factors. To compare rates from even more top companies, enter your ZIP code into our comparison tool above.

Allstate vs. Progressive: Comparing Car Insurance Rates

Allstate vs. Progressive car insurance rates are quite similar in many cases. Learn more about the rates offered by both companies in the sections below to determine the best ways to find affordable Allstate vs. Progressive car insurance.

Which is cheapest by state?

Where you live is a huge factor when it comes to determining auto insurance rates. See how much the average rate in your state is with the chart below.

Allstate Vs. Progressive Average Annual Car Insurance Rates by State
StateAllstate Average Annual RatesProgressive Average Annual Rates
Alaska$3,145.31$3,062.85
Alabama$3,311.52$4,450.52
Arkansas$5,150.03$5,312.09
Arizona$4,904.10$3,577.50
California$4,532.96$2,849.67
Colorado$5,537.17$4,231.92
Connecticut$5,831.60$4,920.35
District of Columbia$6,468.92$4,970.26
Delaware$6,316.06$4,181.83
Florida$7,440.46$5,583.30
Georgia$4,210.70$4,499.22
Hawaii$2,173.49$2,177.93
Iowa$2,965.86$2,395.50
Idaho$4,088.76Data Not Available
Illinois$5,204.41$3,536.65
Indiana$3,978.81$3,898.00
Kansas$4,010.23$4,144.38
Kentucky$7,143.92$5,547.63
Louisiana$5,998.79$7,471.10
Maine$3,675.59$3,643.59
Maryland$5,233.17$4,094.86
Massachusetts$2,708.53$3,835.11
Michigan$22,902.59$5,364.55
Minnesota$4,532.01Data Not Available
Missouri$4,096.15$3,419.14
Mississippi$4,942.11$4,308.85
Montana$4,672.10$4,330.76
North Carolina$7,190.43$2,382.61
North Dakota$4,669.31$3,623.06
Nebraska$3,198.83$3,758.01
New Hampshire$2,725.01$2,694.45
New Jersey$5,713.58$3,972.72
New Mexico$4,200.65$3,119.18
Nevada$5,371.62$4,062.57
New York$4,740.97$3,771.15
Ohio$3,197.22$3,436.96
Oklahoma$3,718.62$4,832.35
Oregon$4,765.95$3,629.13
Pennsylvania$3,984.12$4,451.00
Rhode Island$4,959.45$5,231.09
South Carolina$3,903.43$4,573.08
South Dakota$4,723.72$3,752.81
Tennessee$4,828.85$3,656.91
Texas$5,485.44$4,664.69
Utah$3,566.42$3,830.10
Virginia$3,386.80$2,498.58
Vermont$3,190.38$5,217.14
Washington$3,540.52$3,209.52
West Virginia$3,820.68Data Not Available
Wisconsin$4,854.41$3,128.91
Wyoming$4,373.93$4,401.17
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As you can see, in some states there are major differences in rates between the companies, including North Carolina.

Which is cheapest by driving record?

If you have a clean driving record, then you are sure to save plenty of money, no matter which company you go with.

Allstate vs. Progressive Average Annual Car Insurance Rates by Driving Record
Driving RecordAllstate Average Annual RatesProgressive Average Annual Rates
Clean record$3,819.90$3,393.09
With 1 accident$4,987.68$4,777.04
With 1 DUI$6,260.73$3,969.65
With 1 speeding violation$4,483.51$4,002.28
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As you can see, Progressive offers the lower rates in most cases.

Which is cheapest by age and gender?

In most cases, younger drivers will pay more than older drivers as can be seen in the chart below.

Allstate Vs. Progressive Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesProgressive Average Annual Rates
Married 35-year old Female$3,156.09$2,296.90
Married 35-year old Male$3,123.01$2,175.27
Married 60-year old Female$2,913.37$1,991.49
Married 60-year old Male$2,990.64$2,048.63
Single 17-year old Female$9,282.19$8,689.95
Single 17-year old Male$10,642.53$9,625.49
Single 25-year old Female$3,424.87$2,697.73
Single 25-year old Male$3,570.93$2,758.66
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While it was once a factor, using gender to determine auto insurance rates is now illegal in several states, including Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and California.

Which is cheapest by credit score?

As with most types of insurance, you can expect to pay lower auto insurance rates if you have a good credit score.

Allstate Vs. Progressive: Average Annual Car Insurance Rates by Credit History
Credit HistoryAllstate Average Annual RatesProgressive Average Annual Rates
Fair$4,581.16$3,956.31
Good$3,859.66$3,628.85
Poor$6,490.65$4,737.64
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Both Allstate and Progressive have a vast difference between their fair credit score and good credit score limits, as you can see.

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Allstate vs. Progressive: Ratings and Customer Satisfaction

When trying to decide between two insurance companies, it’s important to consider their financial ratings and customer reviews.

What are their financial ratings?

Good financial ratings show that you are working with a reputable company. We’ve provided information on both companies from top insurance sites, including A.M. Best.

Allstate vs. Progressive Company Financial Strength Ratings
Ratings CompanyAllstate RatingsProgressive Ratings
AM BestA+ (Superior)A+ Superior
S&PA-AA
Moody'sAa3Aa
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As you can see, both companies have good ratings from top financial rating sites.

How do customers rate them?

As with their financial ratings, Progressive and Allstate both received good ratings from their customers.

Allstate vs. Progressive Customer Satisfaction Ratings
Review CompanyAllstate RatingsProgressive Ratings
Consumer Reports8887
J.D. Power853 (About Average)856 (About Average)
Better Business BureauN/A1.13/5 stars
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Additionally, both companies have fair reviews from sites like Yelp.

Allstate vs. Progressive: Car Insurance Coverage and Options

It’s important to make sure the company you are considering offers everything you need to feel safe and protected. Check out some of the options offered by Allstate and Progressive in the sections below.

What are their coverage options?

Both companies have similar options for a basic auto insurance policy. Get a look at some of their other coverage options in the chart below.

Allstate vs. Progressive Coverage Types Offered
Types of CoverageAllstate Coverage TypesProgressive Coverage Types
Bodily injury liability
Personal Injury Protection (PIP)
Property damage liability
Comprehensive
Collision
Uninsured/underinsured bodily injury
Uninsured/underinsured motorist property damage
Medical payments
Roadside assistance
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Speak with an agent directly to learn about all the coverage options each company offers.

What discounts do they offer?

See the discounts offered by each company in the chart below to see how you can save money on rates.

Allstate Vs. Progressive Discounts Offered
DiscountsAllstate Discounts OfferedProgressive Discounts Offered
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Family Legacy
Family Plan
Full Payment
Garaging/Storing
Good Credit
Good Student
Homeowner
Low Mileage
Loyalty
Married
Military
Multiple Policies
Multiple Vehicles
Occupation
Online Shopper
On Time Payments
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Safe Driver
Senior Driver
Stable Residence
Switching Provider
Young Driver
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As you can see, both companies offer plenty of ways to lower your rates.

Allstate vs. Progressive: Which company is better?

Now that you know more about Allstate vs. Progressive car insurance options, it’s time to determine which company works best for you. Don’t just consider their rates, but also consider their customer reviews, discounts offered, and more. Our Allstate Insurance Review and Progressive Insurance Review offer plenty more information on both companies.

To compare other companies like State Farm and GEICO, take a look at our other car insurance company reviews.

Finding Allstate vs. Progressive car insurance quotes is very easy. Use our comparison tool below by entering your ZIP code into the quote box.

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