Allstate vs. Progressive Car Insurance: How to Decide Which Is Right for You

When trying to decide between Progressive vs. Allstate car insurance, you might need some extra help. There are several factors to consider when weighing car insurance carriers, such as coverage options, rates, discounts, official ratings, and customer service scores. First, when asking, "Is Allstate better than Progressive?" in terms of experience, both carriers are pretty much equal. Allstate has only a few years' lead on Progressive, having gotten its start in 1931, while the latter carrier was founded in 1937. 

Allstate and Progressive are both large auto insurers that offer quality coverage. A local independent insurance agent can help you shop and compare car insurance policies and quotes to determine whether Allstate or Progressive is right for you. They can also weigh these carriers against others that offer car insurance in your area. But first, check out our guide to Progressive vs. Allstate car insurance to get a better feel for the coverage and rates offered by each carrier.

Allstate vs. Progressive Car Insurance Coverage Options

Progressive and Allstate offer many of the same car insurance coverage options. However, you'll need to check to make sure coverage is offered in your state. 

Allstate has a bit of an advantage over Progressive overall in terms of coverage options, though. While Progressive doesn't offer new car replacement coverage or coverage for portable electronics, media, and installed sound systems, Allstate does. 

Car Insurance Coverage Options by Carrier

Allstate vs. Progressive Car Insurance Rates

Both Allstate and Progressive score cheaper in certain areas and more expensive in others. When considering the rates from each carrier, it's important to keep in mind that your car insurance policy's cost can be influenced by several different factors, including your location, your claims history, your driving record, and your credit score (where allowed). 

Overall, Progressive seems to have more affordable car insurance rates than Allstate, with an average monthly premium of just $104, compared to $170 from the latter carrier. We also compared some specific cost scenarios for each carrier to give you a better idea of which may offer cheaper rates for you.

Progressive vs. Allstate Car Insurance Rates by Age

While Allstate has much cheaper rates for teenage drivers, Progressive has cheaper rates in virtually every other age category.

Progressive vs. Allstate Car Insurance Rates by Credit Score

Not all states allow car insurance companies to use credit score as a factor when calculating premium rates. However, many do, so we've included a comparison in rates between each carrier by credit score.

Allstate offers cheaper average car insurance rates for drivers with poor credit scores, but Progressive offers cheaper average rates for drivers with credit scores in any other range.

Progressive vs. Allstate Car Insurance Rates for Poor Driving Records

Having just one at-fault accident, speeding ticket, or traffic violation on your driving record can dramatically increase the cost of your auto insurance. That's why we've compared a few example traffic violations and associated car insurance rates from each carrier. 

Progressive's average car insurance rates were cheaper in every category of driving record infraction than Allstate's.

Allstate vs. Progressive Car Insurance Discounts

Both Allstate and Progressive offer several car insurance discounts for qualifying customers. Discounts can greatly reduce your annual premiums once applied. 

Allstate has more discounts than Progressive that may be worth noting for some customers, such as early signing discounts, anti-lock brakes discounts, new vehicle discounts, and driver's education discounts.

Progressive vs. Allstate Car Insurance Customer Satisfaction

Customer feedback is one of the key factors to consider when weighing car insurance carriers. In terms of customer satisfaction scores, Progressive has the edge, having scored 832 points out of 1,000 on J.D. Power's recent customer satisfaction survey. 

However, Progressive only had a slight edge over Allstate, which scored 829. But Progressive also comes out ahead when considering the National Association of Insurance Commisioners' (NAIC) complaints index, with a score of 1.33 compared to Allstate's 1.88. This rating demonstrates that Allstate had a higher volume of customer complaints than Progressive during the observed period.

Progressive vs. Allstate Car Insurance Customer Experience

The ease of interaction with a car insurance company is another factor to consider when comparing your options. Both Progressive and Allstate offer online claims filing and tracking, as well as 24/7 phone customer service. Each carrier also offers online quotes and the ability to purchase a policy through the website. 

However, Progressive has an edge over Allstate in terms of customer experience thanks to the carrier's Name Your Price tool, which gives policyholders the ability to search for coverage options based on their budget. This gives customers the chance to browse policies by price range, instead of waiting until they have a sample policy assembled to get a quote.

Progressive vs. Allstate Car Insurance Official Ratings

Official ratings can help customers choose between car insurance companies. Car insurance providers are scored by various organizations for financial strength, claims satisfaction, customer satisfaction, and complaints. Here's how Allstate stacks up against Progressive in terms of official ratings on each carrier's car insurance policies.

While Progressive edges out Allstate in terms of financial strength ratings, Allstate scored higher than Progressive in every other official ratings category.

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Allstate vs. Progressive Car Insurance: The Bottom Line

Both Allstate and Progressive have benefits and drawbacks when compared against one another. Allstate has a few more car insurance coverage options than Progressive, but Progressive has overall cheaper average rates than Allstate. 

However, Allstate offers more car insurance discounts than Progressive, which may lead to cheaper premium rates for customers in the end. 

Progressive scored higher than Allstate in terms of customer satisfaction and experience, but Allstate had mostly higher official ratings than Progressive. While Allstate had cheaper rates for teenage drivers, Progressive had cheaper car insurance rates for drivers with good credit scores.

To help make your decision easier, it's always a good idea to consider working with a local independent insurance agent. Your agent can help you shop and compare car insurance policies and quotes from Allstate and Progressive, along with any other carrier you may be interested in. And down the road, your agent can also help you file car insurance claims and update your coverage as necessary.