Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Feb 15, 2021

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Key Takeaways

  • Allstate and Progressive are two of the country’s top insurance providers.
  • Both offer coverage in every state, though particular types of coverage add-ons can vary by region.
  • Discounts are readily available, with enough that most drivers will qualify for some type of discount.

Allstate and Progressive are two of the nation’s largest car insurance companies and both offer a lot of coverage options and discounts. If you’ve been sifting through information and are looking for a quick Allstate vs. Progressive comparison, we can help.

Read on to learn how Allstate and Progressive stack up in terms of rates, discounts, coverage, and more.

Before you learn more about how Allstate and Progressive compare, use our free tool to compare car insurance quotes for free.

How do Allstate and Progressive compare for car insurance rates?

Rates are the top concern for most people when shopping for car insurance. How do Allstate and Progressive stack up for costs? Let’s start with a look at Allstate vs. Progressive car insurance rates in each state since costs vary by location.

StateAllstate Average Annual RatesProgressive Average Annual Rates
Alaska$3,145.31$3,062.85
Alabama$3,311.52$4,450.52
Arkansas$5,150.03$5,312.09
Arizona$4,904.10$3,577.50
California$4,532.96$2,849.67
Colorado$5,537.17$4,231.92
Connecticut$5,831.60$4,920.35
District of Columbia$6,468.92$4,970.26
Delaware$6,316.06$4,181.83
Florida$7,440.46$5,583.30
Georgia$4,210.70$4,499.22
Hawaii$2,173.49$2,177.93
Iowa$2,965.86$2,395.50
Idaho$4,088.76Data Not Available
Illinois$5,204.41$3,536.65
Indiana$3,978.81$3,898.00
Kansas$4,010.23$4,144.38
Kentucky$7,143.92$5,547.63
Louisiana$5,998.79$7,471.10
Maine$3,675.59$3,643.59
Maryland$5,233.17$4,094.86
Massachusetts$2,708.53$3,835.11
Michigan$22,902.59$5,364.55
Minnesota$4,532.01Data Not Available
Missouri$4,096.15$3,419.14
Mississippi$4,942.11$4,308.85
Montana$4,672.10$4,330.76
North Carolina$7,190.43$2,382.61
North Dakota$4,669.31$3,623.06
Nebraska$3,198.83$3,758.01
New Hampshire$2,725.01$2,694.45
New Jersey$5,713.58$3,972.72
New Mexico$4,200.65$3,119.18
Nevada$5,371.62$4,062.57
New York$4,740.97$3,771.15
Ohio$3,197.22$3,436.96
Oklahoma$3,718.62$4,832.35
Oregon$4,765.95$3,629.13
Pennsylvania$3,984.12$4,451.00
Rhode Island$4,959.45$5,231.09
South Carolina$3,903.43$4,573.08
South Dakota$4,723.72$3,752.81
Tennessee$4,828.85$3,656.91
Texas$5,485.44$4,664.69
Utah$3,566.42$3,830.10
Virginia$3,386.80$2,498.58
Vermont$3,190.38$5,217.14
Washington$3,540.52$3,209.52
West Virginia$3,820.68Data Not Available
Wisconsin$4,854.41$3,128.91
Wyoming$4,373.93$4,401.17
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Your driving record is the most important factor when it comes to rates. Take a look at how Allstate and Progressive compare for a clean record and a few common issues.

Driving RecordAllstate Average Annual RatesProgressive Average Annual Rates
Clean record$3,819.90$3,393.09
With 1 accident$4,987.68$4,777.04
With 1 DUI$6,260.73$3,969.65
With 1 speeding violation$4,483.51$4,002.28
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As you can see, Progressive is generally cheaper, but when it comes to a DUI, it’s a lot cheaper.

Age and gender are also important factors in what you pay for car insurance. Take a look at the table below to see which company has the best rates for your age group and gender.

Age, Gender, and Marital StatusAllstate Average Annual RatesProgressive Average Annual Rates
Married 35-year old Female$3,156.09$2,296.90
Married 35-year old Male$3,123.01$2,175.27
Married 60-year old Female$2,913.37$1,991.49
Married 60-year old Male$2,990.64$2,048.63
Single 17-year old Female$9,282.19$8,689.95
Single 17-year old Male$10,642.53$9,625.49
Single 25-year old Female$3,424.87$2,697.73
Single 25-year old Male$3,570.93$2,758.66
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Once again, Progressive is cheaper across the board, but your personal rates will vary.

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What car insurance coverage options are available from Allstate and Progressive?

Drivers looking for insurance from Allstate or Progressive can expect solid coverage with standard policies as well as many opportunities to upgrade. Most basic policies from either Allstate or Progressive have options for the following baseline coverage:

  • Bodily injury and property damage liability
  • Uninsured/underinsured motorist coverage
  • Personal Injury Protection (PIP) and Medical Payments (MedPay)
  • Collision coverage
  • Comprehensive coverage

In every state where these companies operate, the coverages required by law are offered.

In addition to the basics, Allstate and Progressive offer more optional coverage choices.  Keep in mind that these are just a few of the available upgrades and that some have additional fees and not all are available nationwide.

Included for free in all qualifying policies is the Allstate Claim Satisfaction guarantee, which refunds drivers who aren’t satisfied with Allstate claims. Also included with policies is Allstate’s Drivewise app that gives cash back for safe driving.

Drivers who choose Allstate can also opt to purchase roadside assistance coverage, new car replacement, and rideshare insurance. Our Allstate car insurance review has additional policy and coverage details.

Progressive offers drivers the option to purchase gap insurance, though you must have collision and comprehensive as well. Small and large accident forgiveness ensure premiums won’t be raised if you remain accident-free.

Collision policies include pet injury protection, and customers with comprehensive and collision can qualify for Progressive’s deductible savings bank. More details can be found in our Progressive car insurance review.

What discounts are available from Allstate and Progressive?

Discounts are plentiful with both Allstate and Progressive. Good driving is rewarded by both as is bundling different types of insurance policies together.

Allstate Insurance Discounts:

  • Paperless billing discount
  • Anti-lock brakes and anti-theft devices
  • Paying ahead of time and auto-withdrawals
  • Policy bundling discount
  • New car discount
  • Safe driving discount
  • Good student discount

Progressive Insurance Discounts:

  • Bundling multiple cars and policies
  • Continuous insurance discount
  • Addition of a teen driver to a policy
  • Snapshot good driver rewards
  • Good student discount

Discounts may be different between states, so getting a Allstate vs. Progressive car insurance quotes is the easiest way to see which you qualify for.

What are Allstate and Progressive ratings like?

Allstate and Progressive were neck and neck in a 2020 study on customer satisfaction by market research firm J.D. Power. Progressive had a slight edge with a score of 832/1000 vs. Allstate’s score of 819/1000.

Both Allstate and Progressive have the same rating of A+ (Superior) from A.M. Best, which means they’re both financially stable.

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Where are Allstate and Progressive insurance available?

As the third and fourth-largest car insurance providers in the country, Progressive and Allstate have wide networks that offer coverage in all 50 states. However, the types of coverage available and the ways to buy policies can vary.

Allstate connects drivers with a local agent who is in charge of their policy, which is a nice option for those who want a personal connection with their insurance agent. Tech-savvy drivers can still use Allstate’s mobile app with an Allstate Insurance login or the customer service number in lieu of their agent when filing a claim.

Progressive also has local agents and brokers that drivers can connect with — over 35,000 of them. Progressive has an easy-to-use mobile app, 24/7 customer service as well as voice assistance for customers who have a Google Home device. Your Progressive Insurance login can get you online assistance quickly.

Allstate Vs. Progressive: The Bottom Line

Since Allstate and Progressive insurance both rank highly, have nationwide coverage maps, and many coverage choices, picking between the two may come down to how affordable Allstate vs. Progressive car insurance is for you personally.

Now that you know how Allstate and Progressive compare, it’s time to see what kind of rates are available to you. Use our free quote tool to compare free quotes from top car insurance companies today.