Progressive is cheaper than Allstate for most drivers — averaging $1,680/year for full coverage versus Allstate’s $2,060/year, a gap of $380/year that widens to $1,400/year for drivers with a DUI on their record. Allstate wins on local agent support, unique coverages like new car replacement and safe driving bonus checks, and bundling discounts up to 25%. Both carry A+ (Superior) AM Best ratings and J.D. Power claims satisfaction scores within 12 points of each other (868 vs 856). The right choice depends on whether price or service features matter more to you.
Allstate and Progressive are both top-five U.S. auto insurers — Allstate is #4 and Progressive is #3 by market share. Allstate markets itself as the “You’re in Good Hands” agent-based insurer with unique add-ons and bonus programs. Progressive is the price-focused disruptor with Name Your Price tools and usage-based discounts. This is the full comparison to help you decide which is worth your premium dollar.
TL;DR: Choose Progressive if you want lower rates, digital-first service, and you’re a safe driver who benefits from usage-based pricing. Choose Allstate if you want a local agent, unique coverage add-ons (like accident forgiveness and new car replacement), and strong bundling discounts.
Side-by-Side Overview
| Feature | Allstate | Progressive |
|---|---|---|
| Avg annual premium (full coverage) | $2,060 | $1,680 |
| Avg annual premium (minimum) | $780 | $620 |
| Market share | #4 (10.4%) | #3 (14.2%) |
| J.D. Power claims satisfaction | 868/1000 | 856/1000 |
| AM Best rating | A+ (Superior) | A+ (Superior) |
| Agent model | Exclusive local agents (10,000+) | Independent agents + direct |
| Mobile app rating | 4.6/5 | 4.7/5 |
| Usage-based program | Drivewise | Snapshot |
| Bundling partners | Allstate-owned subsidiaries | ASI (home), third parties |
| SR-22 filing | ✓ | ✓ |
| Rideshare coverage | ✓ | ✓ |
Rate Comparison by Driver Profile
Average annual premiums for full coverage (100/300/100 with $500 deductible):
| Driver Profile | Allstate | Progressive | Cheaper | Savings |
|---|---|---|---|---|
| Clean record, age 30 | $1,840 | $1,480 | Progressive | $360 |
| Clean record, age 25 | $2,680 | $2,100 | Progressive | $580 |
| Clean record, age 40 | $1,760 | $1,420 | Progressive | $340 |
| Clean record, age 65 | $1,640 | $1,380 | Progressive | $260 |
| One at-fault accident | $3,120 | $2,240 | Progressive | $880 |
| One speeding ticket | $2,480 | $1,880 | Progressive | $600 |
| DUI on record | $4,800 | $3,400 | Progressive | $1,400 |
| Teen driver (added) | $3,600 | $3,100 | Progressive | $500 |
| Multi-car (2 vehicles) | $3,400 | $2,800 | Progressive | $600 |
| Homeowner bundle | $1,560 | $1,380 | Progressive (smaller gap) | $180 |
Progressive is cheaper across virtually every driver profile. The gap is largest for high-risk drivers — after a DUI, Progressive saves $1,400/year compared to Allstate. The gap narrows with bundled homeowner discounts, where Allstate’s bundle discount is more aggressive.
Rate Comparison by State (Clean Record, Age 30)
| State | Allstate | Progressive | Cheaper | Savings |
|---|---|---|---|---|
| California | $2,100 | $1,740 | Progressive | $360 |
| Texas | $2,340 | $1,820 | Progressive | $520 |
| Florida | $3,180 | $2,460 | Progressive | $720 |
| New York | $2,640 | $2,180 | Progressive | $460 |
| Illinois | $1,980 | $1,560 | Progressive | $420 |
| Ohio | $1,440 | $1,160 | Progressive | $280 |
| Michigan | $4,200 | $3,140 | Progressive | $1,060 |
| Georgia | $2,280 | $1,780 | Progressive | $500 |
Coverage Options Comparison
Standard Coverages (Both Offer)
| Coverage | Allstate | Progressive |
|---|---|---|
| Liability (bodily injury + property) | ✓ | ✓ |
| Collision | ✓ | ✓ |
| Comprehensive | ✓ | ✓ |
| Uninsured/underinsured motorist | ✓ | ✓ |
| Medical payments / PIP | ✓ | ✓ |
| Rental car reimbursement | ✓ | ✓ |
| Roadside assistance / towing | ✓ | ✓ |
Unique Coverage Add-Ons
| Add-On | Allstate | Progressive |
|---|---|---|
| Accident forgiveness | ✓ (earned after 5 claim-free years) | ✓ (available for purchase — small claims) |
| New car replacement | ✓ (replace totaled car under 2 years old) | ✗ |
| Safe driving bonus | ✓ (bonus check every 6 months) | ✗ |
| Deductible rewards | ✓ ($100 off deductible/year, up to $500) | ✗ |
| Custom parts coverage | ✓ | ✓ (up to $5,000) |
| Pet injury coverage | ✗ | ✓ (covers pet injuries in accidents) |
| Gap insurance | ✓ | ✓ |
| Rideshare coverage | ✓ | ✓ |
| Name Your Price | ✗ | ✓ (set budget, see matching coverage) |
| Loan/lease payoff | ✓ | ✓ |
Allstate’s unique add-ons — new car replacement, safe driving bonus checks, and deductible rewards — are genuinely valuable. New car replacement means if your car is totaled within the first 2 years, Allstate pays for a brand-new one (not the depreciated value). This can be worth hundreds to thousands of dollars.
Progressive’s Name Your Price tool is a unique shopping experience — set your budget and the tool recommends coverage levels that fit, making it ideal for budget-conscious drivers.
Discount Comparison
| Discount | Allstate | Progressive |
|---|---|---|
| Multi-policy (bundle) | Up to 25% | Up to 20% |
| Multi-vehicle | Up to 10% | Up to 12% |
| Good driver / safe driving | ✓ | ✓ |
| Good student | ✓ | ✓ |
| Distant student | ✓ | ✓ |
| Anti-theft device | ✓ | ✓ |
| Paperless billing | ✓ | ✓ |
| Pay in full | ✓ | ✓ |
| Automatic payments | ✓ | ✓ |
| Homeowner | ✓ | ✓ |
| Military / veteran | ✓ | ✓ |
| Usage-based (telematics) | Drivewise (up to 40%) | Snapshot (up to 30%) |
| Sign online | ✓ | ✓ (online quote discount) |
| Continuous coverage | ✓ | ✓ |
| Total available discounts | ~15 | ~17 |
Usage-Based Programs: Drivewise vs Snapshot
| Feature | Allstate Drivewise | Progressive Snapshot |
|---|---|---|
| How it works | App tracks driving behavior | App or OBD-II device |
| Maximum discount | Up to 40% | Up to 30% |
| Can rates increase? | No (discount only) | Yes (rates can increase) |
| Factors tracked | Speed, braking, time of day, mileage | Speed, braking, time of day, phone use |
| Trial period | 6 months | 6 months |
| Enrollment discount | 10-15% just for signing up | 5% just for signing up |
Key difference: Allstate Drivewise can only lower your rate — it never raises it. Progressive Snapshot can increase your rate if your driving habits are poor. For risk-averse consumers, Drivewise is the safer bet. For consistently safe drivers, Snapshot’s potential savings are substantial.
Claims Experience
| Metric | Allstate | Progressive |
|---|---|---|
| J.D. Power claims satisfaction | 868/1000 | 856/1000 |
| NAIC complaint index | 1.32 (above average complaints) | 0.94 (below average complaints) |
| Claims filing options | App, phone, agent in person | App, phone, online |
| Photo-based claims | ✓ (QuickFoto Claim) | ✓ (photo estimates) |
| Average time to first payment | 7-10 business days | 5-8 business days |
| Local agent support | ✓ (10,000+ agents) | Limited (mostly independent agents) |
| 24/7 claims hotline | ✓ | ✓ |
| Glass claim (no deductible) | State-dependent | State-dependent |
Allstate’s local agent model shines during claims — your agent advocates for you, explains your coverage, and helps navigate complex situations. Progressive’s claims process is faster for simple claims (fender benders, glass damage) but lacks the personal touch for major incidents.
Claims Scenarios: Which Handles It Better?
| Scenario | Better Choice | Why |
|---|---|---|
| Minor fender bender | Progressive | Faster digital claims, often settled in days |
| Totaled vehicle | Allstate | Agent negotiates on your behalf, new car replacement |
| Multi-vehicle accident | Allstate | Agent coordinates between parties |
| Hail damage | Tie | Both handle weather claims similarly |
| Hit-and-run | Allstate | Agent guides uninsured motorist claim |
| Glass repair/replacement | Tie | Both partner with Safelite |
Digital Experience
| Feature | Allstate | Progressive |
|---|---|---|
| Mobile app rating (App Store) | 4.6/5 | 4.7/5 |
| Online quote time | ~10 minutes | ~5 minutes |
| Policy management online | ✓ | ✓ |
| Digital ID cards | ✓ | ✓ |
| Bill pay (app) | ✓ | ✓ |
| Name Your Price tool | ✗ | ✓ |
| Comparison tool | ✗ | ✓ (shows competitor rates) |
| Virtual assistant | ✓ (Allstate Digital Locker) | ✓ |
Progressive’s digital experience is superior — the Name Your Price tool, competitor rate comparisons, and faster quote process make it the better choice for tech-savvy shoppers who want to compare online without talking to anyone.
Bundling Comparison
| Bundle Type | Allstate Discount | Progressive Discount |
|---|---|---|
| Auto + home | Up to 25% | Up to 20% |
| Auto + renters | Up to 15% | Up to 15% |
| Auto + condo | Up to 20% | Up to 18% |
| Auto + life | Up to 10% | Up to 8% |
| Auto + motorcycle | ✓ | ✓ |
| Auto + boat/RV | ✓ | ✓ |
Important distinction: Allstate underwrites its own homeowners insurance, so your entire policy is with one company. Progressive partners with ASI and other carriers for home insurance — your “Progressive” home policy is actually issued by a different insurer. This matters for claims: with Allstate, one company handles both auto and home claims. With Progressive’s bundle, you may deal with two different companies. See how to bundle home and auto insurance for a full bundling guide.
Who Should Choose Each Insurer
Choose Allstate If You…
| Scenario | Why Allstate Wins |
|---|---|
| Want a local agent | 10,000+ agents for in-person service |
| Have a new or near-new car | New car replacement coverage (under 2 years) |
| Want the biggest bundle discount | Up to 25% multi-policy savings |
| Prefer guaranteed-savings telematics | Drivewise only lowers rates, never raises them |
| Have a clean driving record you want rewarded | Safe driving bonus checks every 6 months |
| Want deductible rewards | Earn $100/year off your deductible |
| Need complex claims support | Agent advocates during multi-party claims |
| Value brand reputation | “You’re in Good Hands” — one of the most recognized insurers |
Choose Progressive If You…
| Scenario | Why Progressive Wins |
|---|---|
| Want the lowest rates | Cheaper across nearly every driver profile |
| Have an imperfect driving record | Much smaller rate increases for accidents/tickets/DUIs |
| Are a young driver (under 25) | More competitive pricing for younger demographics |
| Prefer digital-first service | Better app, faster quotes, online-only option |
| Want to set your budget | Name Your Price tool fits coverage to your budget |
| Have custom car parts | Up to $5,000 custom parts/equipment coverage |
| Want pet injury coverage | Covers pets in your car during an accident |
| Prefer transparent pricing | Shows competitor rates alongside its own |
Switching Guide
Switching from Allstate to Progressive
- Get a Progressive quote online (takes ~5 minutes)
- Compare coverage levels to your current Allstate policy
- Choose a Progressive start date that aligns with your Allstate renewal
- Buy Progressive policy online or by phone
- Cancel Allstate after Progressive policy is active (never have a gap)
- Allstate refunds remaining premium on a prorated basis
- No cancellation fee from Allstate
Switching from Progressive to Allstate
- Find a local Allstate agent (allstate.com/find-an-agent)
- Bring your current Progressive declarations page
- Ask about multi-policy discounts if bundling home/renters
- Agent will quote matching or upgraded coverage
- Choose a start date matching your Progressive renewal
- Cancel Progressive after Allstate policy is active
- Progressive refunds remaining premium prorated
Pro tip: Time your switch to your current renewal date. This avoids any mid-policy cancellation and ensures you’ve used the full premium you’ve paid. Both Allstate and Progressive prorate refunds, but switching at renewal is cleanest.
The Bottom Line
Progressive is the better choice for most drivers — it’s cheaper across nearly every profile ($1,680/yr vs $2,060/yr average), has a superior digital experience, and is especially strong for drivers with imperfect records. Allstate is the better choice for drivers who value agent relationships, unique coverages (new car replacement, safe driving bonus, deductible rewards), and maximum bundling savings. If price is your primary concern, Progressive wins. If coverage features and service matter more than saving $380/year on average, Allstate has meaningful advantages.
| Factor | Winner |
|---|---|
| Price (average rates) | Progressive |
| High-risk driver rates | Progressive |
| Bundle discount | Allstate (25% vs 20%) |
| Claims satisfaction | Allstate |
| Usage-based program | Allstate (Drivewise — no rate increases) |
| Digital experience | Progressive |
| Local agent support | Allstate |
| Unique coverage add-ons | Allstate |
| Complaint ratio | Progressive |
| Speed of quotes | Progressive |
| Overall winner | Progressive (price) / Allstate (service) |
Also compare: GEICO vs Progressive | GEICO vs State Farm | Cheapest car insurance | Auto insurance rates by state
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