When deciding 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.
Key Takeaways - Allstate vs. Progressive Car Insurance: 2026
Allstate has much cheaper average auto insurance rates for teen drivers, but Progressive's rates are cheaper in every other category.
Allstate offers more discounts than Progressive, and its discounts offer higher savings on average.
Progressive offers cheaper car insurance for drivers with violations, including a DUI, speeding ticket, or an at-fault accident.
Allstate's Drivewise telematics program doesn't penalize drivers for risky behavior, while Progressive's Snapshot program does.
Working with a local independent insurance agent is strongly recommended, as they can help you shop and compare coverage options and quotes from both Allstate and Progressive to make an informed choice.
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 that coverage is available in your state.
Both carriers pretty much tie overall in terms of coverage options. While Progressive doesn't offer new car replacement coverage or coverage for portable electronics, media, and installed sound systems, Allstate does.
However, Progressive offers pet injury coverage of up to $1,000 and mechanical breakdown coverage. Allstate doesn't offer either coverage.
Car insurance coverage options by carrier
| Car Insurance Coverage | Progressive | Allstate |
|---|---|---|
| Accident Forgiveness |
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| Roadside Assistance |
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| New Car Replacement |
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| Custom Parts |
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| Rideshare Insurance |
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| Gap Insurance |
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| Rental Car / Travel Reimbursement |
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| Deductible Modification |
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| Portable Electronics & Media |
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| Sound System |
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| Pet Injury |
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| Mechanical Breakdown |
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Allstate vs. Progressive Car Insurance Rates
The national average cost of full coverage car insurance is $225 per month in 2026. While Progressive's average rates run below this average, Allstate's rates run above it.
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. We also compared specific cost scenarios for each carrier to give you a better idea of which may offer you cheaper rates.
Allstate vs. Progressive car insurance rates by age
While Allstate has much cheaper rates for teenage drivers, Progressive has cheaper rates in virtually every other age category. The table below compares Allstate vs. Progressive's teen rates and average car insurance costs by several age groups.
| Driver Age Group | Progressive Average Annual Premium | Allstate Average Annual Premium |
|---|---|---|
| Teens | $8,248 | $6,442 |
| 20s | $2,287 | $2,636 |
| 30s | $1,646 | $2,636 |
| 40s | $1,644 | $1,912 |
| 50s | $1,542 | $1,893 |
| 60s | $1,403 | $1,768 |
Allstate vs. Progressive car insurance rates by credit score
Not all states allow car insurance companies to use credit scores as a factor when calculating premium rates. California, Hawaii, Massachusetts, and Michigan currently don't allow credit as a rating factor for car insurance. However, the others do, so we've included a comparison of rates between each carrier by credit score.
The table below compares Progressive vs. Allstate for poor credit drivers.
| Driver Credit and Record | Progressive Average Annual Premium | Progressive Average Monthly Premium | Allstate Average Annual Premium | Allstate Average Monthly Premium | Cost Difference |
|---|---|---|---|---|---|
| Excellent credit, clean record | $1,462 | $122 | $2,120 | $177 | Progressive saves $658 |
| Good credit, clean record | $1,546 | $129 | $1,945 | $162 | Progressive saves $399 |
| Good credit, speeding ticket on record | $2,063 | $172 | $2,276 | $190 | Progressive saves $213 |
| Good credit, at-fault accident on record | $2,381 | $198 | $2,800 | $233 | Progressive saves $419 |
| Good credit, DUI on record | $1,988 | $166 | $3,209 | $267 | Progressive saves $1,221 |
| Poor credit, clean record | $3,508 | $292 | $3,748 | $312 | Progressive saves $240 |
| Poor credit, at-fault accident on record | $5,415 | $451 | $5,442 | $454 | Progressive saves $27 |
Progressive offers cheaper rates for drivers with excellent, clean, and poor credit, and in virtually every driver profile offense category than Allstate.
Allstate vs. Progressive car insurance rates for high-risk drivers
Having just one at-fault accident, speeding ticket, or traffic violation on your driving record can dramatically increase your auto insurance costs. That's why we've compared a few examples of traffic violations and the associated car insurance rates from each carrier. Progressive is about 39% cheaper for DUI drivers than Allstate.
| Violation | Progressive Average Annual Premium | Allstate Average Annual Premium |
|---|---|---|
| At-fault accident (damage < $1,000) | $2,720 | $3,006 |
| At-fault accident (damage > $1,000) | $2,245 | $2,290 |
| DUI/DWI | $2,201 | $3,637 |
| Reckless driving | $2,457 | $3,388 |
| Speeding ticket | $2,091 | $2,256 |
Progressive's average car insurance rates were cheaper in every category of driving record infraction than Allstate's.
If you have violations on your driving record, you may need to ask an independent insurance agent about adding an SR-22 to your car insurance.
Average monthly premium: Allstate vs. Progressive in 2026
The table below compares Progressive's vs. Allstate's costs for full coverage and minimum coverage this year.
| Type of Coverage | Progressive Average Rates | Allstate Average Rates |
|---|---|---|
| Full coverage |
$1,546 per year; $129 per month |
$1,945 per year; $162 per month |
| Minimum coverage (liability) |
$1,403 per year; $117 per month |
$1,489 per year; $124 per month |
Progressive has cheaper average rates for full coverage and liability-only coverage in 2026.
How rates vary by state: Allstate vs. Progressive
Car insurance rates can vary considerably by state. Louisiana ($4,135 per year), New York ($4,090 per year), and Florida ($3,884 per year) are three of the most expensive states for full coverage in 2026.
Idaho ($1,476 per year), Vermont ($1,610 per year), and Hawaii ($1,678 per year) are currently the three least expensive states for car insurance. To compare quotes for the cheapest car insurance from Allstate or Progressive in your state, work with a local independent insurance agent.
Allstate vs. Progressive Car Insurance Discounts
Both Allstate and Progressive offer several car insurance discounts for qualifying customers. However, Allstate is known for offering larger average discounts, at 24%, compared to Progressive's average of 8%. Discounts can greatly reduce your annual premiums once applied.
Allstate offers more discounts than Progressive, which may be worth noting for some customers, such as early signing discounts, anti-lock brakes discounts, new vehicle discounts, and driver's education discounts.
| Car Insurance Discount | Progressive | Allstate |
|---|---|---|
| Bundling |
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| Anti-Lock Brakes |
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| Early Signing |
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| Anti-theft System |
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| Good Student |
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| Student Away From Home |
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| New Vehicle |
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| Driver’s Education |
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Bundling and multi-policy discounts
Allstate's homeowners insurance and auto insurance bundling discount averages 17% for both policies, while Progressive's discount averages 4% and only applies to your auto coverage. Ask your independent insurance agent for more information about Allstate vs. Progressive's bundle discount.
Telematics programs: Drivewise vs. Snapshot
So, which is better: Drivewise or Snapshot? Allstate's Drivewise program rewards safe driving behavior without a risk of rates increasing for poor behavior, such as speeding. However, Progressive's Snapshot telematics program can lead to increased rates if risky driving behavior is detected.
Additionally, Allstate offers a cheaper car insurance product for low-mileage drivers. The Allstate Milewise product is a pay-per-mile car insurance policy that allows drivers to adjust their premiums based on their vehicle usage. Mileage is tracked by a GPS device.
Allstate vs. Progressive Customer Satisfaction
Customer feedback is one of the key factors to consider when weighing car insurance carriers. In terms of customer satisfaction scores, Progressive earned 672 points out of 1,000 on the 2025 J.D. Power Claims Satisfaction Study. The edge goes to Allstate, which scored 691 on the same survey.
Allstate vs. Progressive 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 and mobile claims filing. Each carrier also offers online quotes and the ability to purchase a policy through the website.
Progressive offers the 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.
However, Allstate offers its Drivewise program, which doesn't penalize drivers for risky behavior. The carrier also offers Allstate Milewise, which is a pay-per-mile car insurance policy for low-usage drivers.
Allstate vs. Progressive 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.
| Rating and Organization | Allstate | Progressive |
|---|---|---|
| NAIC Complaint Index | Excellent | Good |
| J.D. Power Customer Satisfaction | Average | Below Average |
| J.D. Power Claims Satisfaction | Average | Below Average |
| Financial Strength (AM Best) | A+ (Superior) | A+ (Superior) |
While Progressive edges out Allstate in financial strength ratings, Allstate scored higher than Progressive in every other official rating category.
Who Should Choose Allstate vs. Progressive?
Allstate comes out ahead in three out of four categories we compared, including best for low-mileage drivers, thanks to its Milewise program. If you're still not sure which carrier offers the best car insurance for you, work with a local independent insurance agent.
| Carrier / Best For | Teen Drivers | Drivers with a DUI or Violations | Bundling Home and Auto | Low-Mileage Drivers |
|---|---|---|---|---|
| Progressive |
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| Allstate |
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Best for teen drivers: Allstate
Allstate's coverage is roughly $1,806 per year cheaper for teen drivers than Progressive's coverage. Allstate's good student discount also qualifies with a B- average or a 2.7 GPA, a lower and more generous threshold than most carriers, which require a B average or a 3.0 GPA. A local independent insurance agent can further help you compare Allstate vs. Progressive for teen drivers.
Best for drivers with a DUI or violations: Progressive
Progressive's coverage for drivers with a DUI is roughly 39% cheaper than Allstate's. Progressive's coverage for drivers with speeding tickets, at-fault accidents, and reckless driving is also cheaper, on average. A local independent insurance agent can help you decide between Allstate or Progressive after a DUI.
Best for bundling home and auto: Allstate
Allstate's home and auto insurance bundle averages 17% off, with the discount applying to both policies, while Progressive's discount is only about 4% and applies to your auto coverage only. Ask your independent insurance agent for more information about Allstate's vs. Progressive's bundle discount.
Best for low-mileage drivers: Allstate Milewise
Allstate Milewise is a true pay-per-mile product that determines your premium based on a daily rate in addition to a per-mile rate. Currently, Progressive doesn't offer a comparable pay-per-mile option for car insurance. Allstate Milewise is available for drivers who drive fewer than 7,500 miles per year. Your independent insurance agent can help you learn more about Allstate Milewise.
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, and its discounts have higher average savings than Progressive's, which could lead to lower overall premiums 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.
Overall, the choice depends on your driver profile and your unique needs for car insurance. A local independent insurance agent can help you compare policy options and quotes from each carrier to make an informed choice.
FAQs About Allstate vs. Progressive Car Insurance
Is Allstate or Progressive cheaper in 2026?
Progressive's full coverage averages $1,546 per year, or about $129 per month, while Allstate's averages $1,945 per year, or about $162 per month. Allstate, however, has the cheapest car insurance for teens.
Does Allstate or Progressive have better customer service?
Allstate ranked higher in most regions in J.D. Power's 2025 U.S. Auto Insurance Study. However, Progressive has fewer NAIC complaints relative to its size.
Which has more discounts, Allstate or Progressive?
Allstate offers about 24 car insurance discounts in all, while Progressive offers only about eight. However, Progressive offers an online quote discount and a defensive driving discount, while Allstate doesn't.
Is Drivewise or Snapshot better for saving money?
Allstate Drivewise rewards safe driving without rate penalties for risky behavior, while Progressive Snapshot can raise your rate if it detects risky driving. This makes Drivewise the lower-risk pick for most drivers.
Which is better for teen drivers: Allstate or Progressive?
Allstate car insurance is about $1,806 per year cheaper for teens, and its good-student discount qualifies grades as low as a 2.7 GPA, which is a much lower threshold than most carriers'.
Which has cheaper rates for drivers with a DUI?
Progressive is roughly 39% cheaper than Allstate for DUI drivers. Progressive's car insurance for drivers with a DUI averages $2,201 per year, while Allstate's averages $3,637 per year.
Can I bundle home and auto with Allstate or Progressive?
Both carriers allow you to bundle your home and auto coverage. Allstate averages around 17% off and applies the discount to both policies, while Progressive averages around 4% off and applies the savings to your auto coverage only.
How do I switch from Allstate to Progressive?
First, get a quote from Progressive. Next, set the new policy's start date before the old policy's cancellation date. Finally, file a written cancellation with Allstate. Your independent insurance agent can also help you switch auto insurance carriers.
An Independent Insurance Agent Can Help You Compare Allstate and Progressive
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 for and compare car insurance policies and quotes from Allstate and Progressive, as well as 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.
Sources
https://www.thezebra.com/insurance-companies/progressive-vs-allstate/
https://www.usnews.com/insurance/auto/allstate-vs-progressive
https://www.moneygeek.com/insurance/auto/allstate-vs-progressive/
https://insurify.com/car-insurance/companies/compare/allstate-vs-progressive/
https://www.bankrate.com/insurance/car/comparison-allstate-geico-progressive-state-farm/#top-car-insurance-companies-compared
https://www.bankrate.com/insurance/car/average-cost-of-car-insurance/#car-insurance-cost-by-state