Allstate vs. Progressive

Progressive was rated as the best insurer for high-risk drivers in our most recent ranking of the best car insurance providers. Meanwhile, Allstate was the best insurer for bundling home and auto insurance.

Allstate Is Better For:

• Policyholders who prioritize customer service and live in a region where Allstate ranks higher than Progressive.
• Those who drive fewer-than-average miles each year.

Progressive Is Better For:

• Most drivers prioritizing cost, including those with violations.
• Drivers who live in regions where Progressive ranks higher for customer service, including California and the Central and Southeast regions.

Progressive offers lower average rates than Allstate for every category we evaluated, including high-risk drivers. Below, you can compare average rates from Allstate and Progressive across several coverage levels and driver profiles. However, keep in mind that these are averages and that your quotes may differ.

If you’re only looking for basic coverage, you’ll find options such as liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments from both Allstate and Progressive.

They also have many of the same add-on coverage options, although only Progressive offers custom parts coverage. If that happens to be important to you, Allstate may not be the best choice.

Here is a list of some of the main optional coverages each company offers:

It’s also important to note that certain coverages may not be available in every state, so reach out to an agent if you have questions.

You may be able to save money on your premium by taking advantage of various auto insurance discounts offered by both Allstate and Progressive. Although Allstate is our top pick for bundling home and auto insurance, Progressive also offers a discount for bundling policies. If you already have a policy with either insurer, it’s worth checking how much you could save by adding auto insurance.

If your car has certain safety features or is new, you may get a better rate from Allstate. However, only Progressive has discounts for getting an online quote and taking a defensive driving course.

Here is a full list of the main discounts offered by both companies — keep in mind that like coverages, discounts vary by state. In addition, you may still get a lower quote from a company that doesn’t have as many discounts that you’re eligible for, so always compare multiple quotes.

Allstate vs. Progressive Telematics Programs

In order to save even more on your policy, you may consider signing up for a telematics program, which Allstate and Progressive both offer. These programs use a mobile app to track your driving habits and offer a discount if you drive safely. Allstate’s program is called Drivewise, while Progressive’s is called Snapshot.

Allstate’s Drivewise provides a discount of up to 10 percent when you sign up and up to 40 percent when your policy renews — you’re never guaranteed to get the total 40 percent, but this maximum discount is more than what most competitors offer. (Note: Drivewise is not available in California or Arkansas.)

Progressive doesn’t advertise the maximum percentage discount for Snapshot, but according to their website, safe drivers can save an average of $231 at policy renewal and an average of $94 at sign-up. Snapshot is not available in California, and the sign-up discount is not offered in Hawaii or New York.

In J.D. Power’s 2024 U.S. Auto Insurance Study, Drivewise and Snapshot scored similarly, though Drivewise won by a small margin with a score of 818 (Snapshot scored 816). Both were slightly below the average score of 821.²

When it comes to customer service, Allstate may be a better choice than Progressive in most regions, according to several industry studies and metrics. Here is how they compare in key customer experience areas:

Claims Satisfaction

Allstate scored 691 out of 1,000 in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, placing it ahead of Progressive but still below average. Meanwhile, Progressive’s score of 672 placed it second to last among the major insurers evaluated in the study.³ Claims satisfaction measures how policyholders rate their experiences managing the claims process, which includes factors such as speed, fairness, and ease of service.

Interestingly, Progressive ranked higher than Allstate on the 2024 CRASH Network Report Card, which evaluates auto shops’ experience dealing with insurance providers. None of the 10 largest insurers earned higher than a C+ in this study, but Allstate’s D+ grade is still quite low.⁴

Customer Service

Allstate ranked higher than Progressive for customer service in most regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study, which measures overall customer satisfaction with insurers. In many regions, they still ranked below average, while Progressive ranked below average in every region.

Here’s a breakdown of each company’s score (out of 1,000) by region:

When looking at the companies’ complaint indexes from the National Association of Insurance Commissioners (NAIC) — which logs customer complaints against insurers — Progressive actually does better. As of 2023 (the most recent data at the time of this writing), it had a complaint index of 2.13,⁵ while Allstate’s was 3.53.⁶ It’s worth noting that both companies received more complaints than average, which is represented by an index of 1.

Shopping

Both Allstate and Progressive offer flexible ways for customers to shop for policies, get quotes, and make a purchase, including online and over the phone with an agent. In terms of customers’ satisfaction with the shopping experience from both companies, Progressive beats Allstate.

Progressive earned a score of 678 out of 1,000 on J.D. Power’s 2024 U.S. Insurance Shopping Study and ranked above average, while Allstate’s score of 664 placed the company below average.⁷ This study evaluates other factors beyond just the quote process, including price, policy offerings, and distribution channel (e.g., online platforms, agents, or direct sales), so Progressive’s score suggests customers are satisfied with these aspects of the company as well.

Like all major national insurers, both Allstate and Progressive have robust online tools that policyholders can utilize, including both online platforms and mobile apps. Their apps have the same rating on the Apple App Store, but Allstate’s rating for Android devices is noticeably lower. Both companies allow customers to use these tools to access policy information, pay bills, get roadside assistance, and more. Here’s a breakdown of each app:

On J.D. Power’s 2024 U.S. Insurance Digital Experience Study, Progressive ranked higher than Allstate in the service category with a score of 737 — in fact, it ranked first among the providers evaluated (excluding USAA, which isn’t officially ranked). Allstate earned a score of 713 and ranked fourth. In the shopping category, the companies scored comparably, but Allstate scored very slightly higher.⁸

Allstate and Progressive are fairly comparable when it comes to their financial stability, availability, coverage options, discounts, and even customer service reputations. The best company for you will ultimately depend on which company offers you what you need at the best rate.

For example, if you live in certain regions where Allstate fares better for customer service — including Florida, Texas, and New England — and that’s very important to you, you may want to prioritize Allstate over Progressive. But keep in mind that company rankings will not necessarily reflect your experience. Similarly, Progressive tends to have better rates for most drivers than Allstate, but you should always get quotes from several companies, as this may not hold true for you.

If you drive fewer-than-average miles per year, you may benefit from Allstate’s Milewise program, assuming it’s available where you live. Check with an agent if you’re interested, and calculate whether the pay-per-mile program makes sense financially compared to other standard quotes you’ve received.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40%): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit scores. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): An auto insurer’s claims handling process should be quick, transparent, and efficient, with clear communication, fair evaluation of damages, and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Global Ratings. We also include real-life customer experiences when possible.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.