Allstate vs. Progressive Auto Insurance (2021)
Comparing Allstate vs. Progressive auto insurance rates shows that Progressive is cheaper based on age, driving record, and credit score — on average $1,000 cheaper than Allstate annually. Progressive is especially a good choice for those with a low credit score or with a DUI on their record. External ratings for Allstate vs. Progressive auto insurance companies reveal both have an A+ from A.M. Best.
- Both Allstate and Progressive have been awarded excellent ratings by government, financial, and consumer agencies
- Allstate has an impressive number of discounts and substantial savings of up to 45%
- Progressive auto insurance for teen drivers is 8% cheaper than Allstate and 27% cheaper for other age groups
- Drivers that get a speeding ticket or cause an accident will have a sharper increase in rates with Allstate than with Progressive
- Progressive is a good choice if you have bad credit or a DUI on your record
You probably know the basics about auto insurance now that you’ve landed here ready to compare two great contenders, Progressive vs. Allstate, and choose the auto insurance company that will have your back when you need it.
A comparison of Allstate vs. Progressive auto insurance companies shows that both are on the list of the best auto insurance companies. How do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?
Keep reading to compare affordable Allstate vs. Progressive auto insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.
Is Allstate auto insurance or Progressive auto insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced?
Car insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of experience we have, the more cautious and safe we are as drivers.
We can all agree on that.
However, it’s doubtful we all agree that it’s fair to base auto insurance rates on gender and marital status. Some states have outlawed this practice — but not all.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$9,282||$8,690|
|Single 17-year-old male||$10,643||$9,625|
|Single 25-year-old female||$3,425||$2,698|
|Single 25-year-old male||$3,571||$2,759|
|Married 35-year-old female||$3,156||$2,297|
|Married 35-year-old male||$3,123||$2,175|
|Married 60-year-old female||$2,913||$1,991|
|Married 60-year-old male||$2,991||$2,049|
Progressive’s auto insurance rates are 27% cheaper than Allstate’s auto insurance quotes for drivers 25 and older.
Coming in at 8% cheaper than Allstate, Progressive is also the better choice if you have a teen driver on your policy.
Is Allstate auto insurance or Progressive auto insurance cheaper based on driving record?
No matter which auto insurance company you select, Allstate vs. Progressive auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUI.
If your driving record makes you look like a liability to an auto insurance company, you’re going to pay more. Allstate and Progressive are no exception.
|Infraction||Allstate Average Annual Rates||Progressive Average Annual Rates|
|With one speeding violation||$4,484||$4,002|
|With one accident||$4,988||$4,777|
|With one DUI||$6,261||$3,970|
In general, Progressive has cheaper auto insurance rates than Allstate for drivers with any type of driving record.
However, Progressive is more punitive with customers who get a speeding ticket or cause an accident.
Expect your Progressive rates to increase by about 18% for a speeding infraction and around 41% if you cause an accident.
If you get a DUI while with Progressive, your rates will increase by 17%. So, it seems that Progressive is harsher on drivers that cause an accident than drivers that get a DUI, which is unusual.
With Allstate, you can expect your rates to increase by around 17% for a speeding ticket, 31% for an accident, and 64% for a DUI.
Is Allstate auto insurance or Progressive auto insurance cheaper based on credit score?
Your credit score reflects your ability to manage your finances and make good choices, as well as pay your bills on time. Car insurance companies assume that the more financially responsible you are, the safer you are behind the wheel.
A traumatic financial event like a divorce or unexpected medical costs is likely to decrease your credit score. Many people believe this to be unfair since events like these often occur through no fault of our own.
As with gender and marital status, some states have banned auto insurance companies from basing rates on credit history.
Let’s take a look at how Allstate and Progressive compare when it comes to rates based on credit score.
|Credit Score||Allstate Average Annual Rates||Progressive Average Annual Rates|
|Good Credit (670-739)||$3,860||$3,629|
|Fair Credit Score (580-669)||$4,581||$3,956|
|Poor Credit Score (300-579)||$6,491||$4,738|
Progressive comes in cheaper than Allstate if you have bad credit.
If your credit score tanks while with Allstate, expect to pay 68% more than drivers with good credit. With Progressive, your rates will increase by only 28% if your credit score drops significantly.
If you notice a rate increase when it’s time to renew your six-month policy, it could be because your credit score dropped.
Use your Allstate login or Progressive login to make temporary adjustments to your deductible and coverage levels, if needed. This will lower your rates for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway. If you don’t want to adjust your deductible or coverage, it may be a good time to compare Allstate or Progressive quotes with other auto insurance providers.
Does Allstate or Progressive have better auto insurance discounts?
Each company has its selling point, and sometimes that comes down to who has the best auto insurance discounts that apply to your specific situation.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts and Progressive auto insurance discounts.
|Discounts||Allstate (%)||Progressive (%)|
|Daytime Running Lights||2||N/A|
|Electronic Stability Control||2||N/A|
|On Time Payments||5||N/A|
When comparing all discounts that either company offers, Allstate has a total of 24 auto insurance discounts while Progressive has only eight discounts.
Even though Progressive has cheaper rates, Allstate has some competitive discounts.
With Allstate, you can save between 30% and 45% for being a safe driver, being claim-free, having a newer vehicle, having airbags, or being a distant student.
Progressive’s largest discount is 50% for using paperless documents. Progressive also offers a 31% discount for being a safe driver.
Both Allstate and Progressive provide a 20% discount for using their driving app or driving device.
What types of auto insurance coverages are offered by Allstate and Progressive?
Since both Allstate and Progressive are on the big contender list for market share in the auto insurance industry, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability auto insurance coverage (bodily injury and property damage)
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/underinsured auto insurance coverage
- Medical payments (MedPay) auto insurance coverage (particularly important in states that require no-fault auto insurance)
- Personal injury protection (PIP) auto insurance coverage
Be sure to take a close look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.
Also, if you are a food delivery driver, you will need Allstate or Progressive commercial auto insurance.
Does Allstate or Progressive have better auto insurance mobile apps?
Most of the top 10 auto insurance companies have mobile apps that allow you to make payments, adjust coverage levels, or show electronic verification of auto insurance coverage.
Most auto insurance companies also have a separate app for their usage-based auto insurance programs.
Usually, your Allstate insurance login or Progressive insurance login will work with both the general Allstate and Progressive apps and the driving apps.
How do Allstate and Progressive auto insurance compare in financial strength and customer satisfaction?
If auto insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them too.
Below, we list ratings for Allstate and Progressive from the top agencies that judge the credibility of all auto insurance companies.
And if you’re considering investing in Allstate vs. Progressive stock, these ratings will provide some guidance.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and Progressive claims process, step by step.
In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.
In 2017, the national average complaint ratio was one. The lower the ratio, the better.
|AM Best Rating||A+||A+|
|NAIC Company Complaint Ratio||0.5||0.75|
|NAIC Total Complaints||163||120|
Allstate and Progressive are on top of things when it comes to external ratings by government, financial, and consumer agencies.
You will have a good experience with Allstate and Progressive customer service, and you can expect financial sustainability with either company.
Before you decide whether to buy Allstate vs. Progressive auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.