Progressive and Allstate are two of the leading auto insurance companies in the U.S., holding the second- and fourth-largest market shares, respectively.1 Both insurers offer various coverage options for drivers in all 50 states and Washington, D.C., including comprehensive, collision, liability, and uninsured/underinsured motorist protection.
If you want to compare insurance companies and find the best policy for you, low rates are important, but factors such as customer service, industry ratings, and even discount options are crucial, too.
Here’s a look at how Progressive and Allstate compare to one another, so you can decide which company is right for your auto coverage needs.
When comparing Progressive and Allstate, drivers may find that these two insurers are very closely matched in terms of availability, insurance products, and even customer reviews.
Overall, Allstate’s premiums are lower than Progressive’s for driver profiles, giving Allstate a slight edge. Allstate also has slightly higher industry and customer satisfaction ratings than Progressive, with a slightly higher Insurify Quality (IQ) Score as well. Progressive does hold a larger market share than Allstate, though, and offers a non-smartphone safe driver program that automatically calculates mileage-based discounts.
Progressive is one of the largest car insurance companies, holding about 14% of the total industry market share in the U.S.1
Allstate holds about 10.7% of the current auto insurance market share and offers top-rated policies to drivers throughout the country.1
Both Progressive and Allstate offer a safe driver discount program based on driving habits. These programs use telematics tools, such as a mobile app or vehicle plug-in device, to analyze driver habits and behavior, detect crashes, monitor phone usage while behind the wheel, and more.
The Allstate Drivewise program is smartphone-based, allowing insured drivers to track their trips and unlock significant discounts on their auto insurance premiums. It takes into account driving activity such as sudden stops, aggressive maneuvers, high speeds, driving during certain times of day, and more.
The Drivewise app also collects data on whether or not you use your phone while behind the wheel, though Allstate claims that it doesn’t use this factor to calculate performance-based policy rewards.2
With Progressive’s Snapshot, drivers have the option of using the insurer’s mobile app or requesting a plug-in device for their vehicle. Both devices collect data on many of the same factors to determine available discounts and policy pricing: sudden braking, aggressive driving, high speeds, driving late at night, and phone usage while behind the wheel.
Unlike Allstate’s program, Snapshot is also mileage-based. Drivers who spend less time behind the wheel can save even more with this usage-based insurance program.3
Auto insurance through Allstate is slightly cheaper on average than coverage through Progressive. But your premiums depend on a variety of factors, including:4
Driver age and gender
Location and ZIP code
Coverage options
Vehicle(s) covered
Annual mileage
Credit history
For people with a clean driving record, Allstate auto insurance coverage is cheaper than Progressive.
Drivers with a speeding ticket on their record may find Allstate’s average rates are notably cheaper than Progressive’s average rates below.
A driver’s age plays a significant role in calculating policy premiums, with young drivers typically paying more for coverage. For teen drivers, Allstate is again cheaper than Progressive, on average.
In many states, car insurance companies can use a driver’s credit history as a factor when determining car insurance premiums. For drivers with bad credit, Allstate once more edges out Progressive with cheaper average premiums.
Teen drivers have less experience and tend to pay more on average for auto insurance coverage. However, senior drivers can also be at higher risk due to age-related health issues and may have higher rates when they reach their 70s.
Allstate offers slightly lower average premiums to senior drivers compared to Progressive.
Allstate and Progressive are two of the best car insurance companies in the country, and both offer standard coverage options in addition to extra add-ons. Standard coverages include bodily injury liability, property damage liability, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. But the exact coverage options available to you depend on your location.
Both auto insurers also have optional coverages that customers can add to their policies, which offer additional protection. Here are some of the top add-on coverages and whether Progressive or Allstate offer them.
Both Progressive and Allstate offer car insurance discounts to drivers to reduce auto policy premiums.
Of the common discounts noted here, both auto insurance companies offer similar available discounts. And while neither insurer offers a discount to low-mileage drivers, both Progressive and Allstate offer pay-per-mile insurance, which can be the cheapest option for people who don’t drive frequently.
Here’s a look at some of the most frequently asked questions when comparing Progressive versus Allstate auto insurance coverage.
The best company for you depends on your specific needs and policy requirements.
If you’re looking for the cheapest auto insurance coverage, for example, Allstate has slightly lower car insurance rates than Progressive, on average. But if you’re looking for a more versatile driver telematics program for added discounts, Progressive might be the better option to consider.
Progressive is more expensive than Allstate, on average, for most driver profiles. If you’re shopping to see how much money you can save and which insurer offers the best deal, Allstate might be the best car insurance company for you.
Though not the same, Progressive and Allstate are similar insurance companies offering various insurance coverages to drivers across the U.S. Both insurers have a variety of discounts to save money on car insurance costs and safe-driver telematics programs for added savings.
Progressive and Allstate both offer the same standard coverages, including liability, comprehensive, collision, uninsured/underinsured motorist, and PIP coverage. One of the main differences is that Progressive offers pet injury coverage for drivers, but Allstate doesn’t.
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