Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

You might not think about your car insurance very often, but taking time every year or so to reexamine your coverage and shop for better rates is a smart move. Your situation may have changed since the last time you shopped for auto insurance, which could mean lower rates. Also, car insurance companies can charge vastly different rates for drivers with similar risk factors. By shopping around, you can save thousands.

We don’t blame you for putting off shopping for car insurance, though. It’s not easy. That’s why we’re here to help. We gathered rates for different drivers from the nation’s largest car insurance companies to give you an idea of where to find the best deal. We also surveyed real car insurance customers about their experiences with their car insurance company to not only help you find the company that offers the best deal but also the one that will treat you best. 

In this article, we’ll compare Allstate and Progressive car insurance – two of the best-known companies on the market. Let’s dig in.

Allstate vs. Nationwide: Pros & Cons

Allstate

    • Higher-than-average study rates

    • Good claims and customer service ratings

    • Mixed scores for value

Progressive

    • Cheaper study rates than Allstate for most driver profiles

    • Customers gave it low scores for value

Allstate vs. Progressive Customer Satisfaction

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1. USAA
  2. Geico
  3. Allstate
  4. State Farm
  5. Farmers
  6. Progressive
  7. American Family
  8. Nationwide
  9. Travelers

Read more about the Best Car Insurance Companies »

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Allstate Auto Insurance Rating

Rating: 4.10/5

You may be in good hands with Allstate, but the company has been losing market share in recent years. In 2017, it dropped from third to fourth place, with 9.29% of the auto insurance market.

In our survey, Allstate earned its highest scores for the ease of filing a claim, satisfaction with how the claim was resolved, and customer service in general. Respondents were less enthusiastic about the value they felt they were getting from Allstate, with about half rating it a five out of five. Despite that, 68% of respondents said they were likely to renew their policies, while three-quarters were likely to recommend Allstate car insurance to others.

Read our full Allstate review to learn more »

Progressive Auto Insurance Rating

Rating: 3.91/5

Progressive is known for giving car insurance shoppers its competitors’ rates alongside its own rates, with a little help from Flo in the company’s commercials. That strategy seems to be working because Progressive took the No. 3 spot from Allstate in 2017, with 9.88% of the auto insurance market.

Progressive also scored highly in our survey for the ease of filing a claim. Its customer service came in a close second with respondents. About 60% of those who took the survey said they would recommend Progressive car insurance to others, and the same percentage said they would renew their policy.

Read our full Progressive review to learn more »

How We Did This Comparison

Pattanaphong Khuankaew / EyeEm / Getty Images

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 166 filed a claim with Allstate and 201 filed a claim with Progressive. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies Rankings and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Allstate and Progressive Car Insurance: Which Is Cheapest?

When we looked at the average car insurance representative rates for the top national insurance companies, Progressive fell square in the middle of the pack. Its average annual auto insurance rate in our study for drivers profiles across all demographics is $1,373. That’s only about $40 lower than the average among all the insurers in our analysis: $1,416.

Allstate is the most expensive auto insurance company on our list. Its average across all types of driver profiles is $1,880. That’s about $460 more than the overall average for the top car insurers and about 25% higher than Progressive.

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Read more about the Cheapest Car Insurance Companies »

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Allstate and Progressive Car Insurance: Which Is Cheapest for Men?

 

25-year-old male

35-year-old male

60-year-old male

Allstate

$2,097

$1,838

$1,763

Progressive

$1,669

$1,274

$1,174

For our male driver profile at age 25, Allstate's car insurance representative rate comes in at an average of $2,097. The average study rate for the 35-year-old male driver profile is $1,838, while the 60-year-old profile's rate is $1,763, on average. That’s about $530 more than the national average rate of $1,229 for 60-year-old male driver profiles in our study.

Progressive’s average auto insurance representative rate for the 25-year-old male driver profile is $1,670, which is only about 15% below Allstate’s rate. For the profile for 35-year-old male drivers, the study rate is $1,274, and for the 60-year-old profile, it’s $1,174. Those representative rates for more experienced drivers are about 30% lower than Allstate’s rates in our study. 

To find the average rates in our study based on gender and age, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest for Women? 

 

25-year-old female

35-year-old female

60-year-old female

Allstate

$2,012

$1,853

$1,716

Progressive

$1,626

$1,352

$1,136

Usually female drivers have lower average car insurance rates. At Allstate, the 25-year-old female driver profile's rate in our study is $2,012 on average. For the 35-year-old female driver profile, Allstate’s average representative rate is $1,854, and for the 60-year-old driver profile, it’s $1,717. That’s nearly $500 higher than the national average of $1,229 for the 60-year-old female driver profile.

Progressive’s average auto insurance rates in our analysis for women are several hundred dollars less than Allstate’s. Progressive’s average representative rate for a female driver profile at age 25 is $1,627. The average for 35-year-old female driver profiles in our study is $1,353, and for 60-year-old driver profiles, it’s $1,137. That’s again nearly $500 less than Allstate’s study rate for the 60-year-old female driver profile, but only about $100 less than the national average for women in this age group.

We created driver profiles for females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have a clean driving record, 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest for High Mileage?

 

12,000 miles annually

Allstate

$1,880

Progressive

$1,372

Putting 12,000 miles on the odometer each year is typical for an American driver. Allstate’s average car insurance representative rate for driver profiles with this kind of annual mileage is $1,880. Progressive’s rate in our study is cheaper by about 25%, with an average of $1,373.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 12,000 miles per year. The profiles have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest for Low Mileage?

 

6,000 miles annually

Allstate

$1,836

Progressive

$1,367

Unfortunately, driving half as much as the national average doesn’t mean paying half as much for car insurance. For a driver profile with 6,000 miles a year, these companies maintain almost the same average rates: $1,836 with Allstate and $1,368 with Progressive. Low-mileage drivers could save about 25% with Progressive, whose study rate was close to the national average of $1,371 for this profile. 

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 6,000 miles per year. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest for Good Credit?

 

Good Credit

Allstate

$1,900

Progressive

$1,364

As with other demographic segments we looked at, Allstate’s representative rates are several hundred dollars higher than Progressive's – even for driver profiles with good credit. Progressive’s rate in our study averages $1,365, and Allstate’s is about $530 higher, at $1,901.

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Allstate and Progressive Car Insurance: Which Is Cheapest for Bad Credit? 

 

Poor Credit

Allstate

$3,024

Progressive

$2,307

Representative rates for driver profiles with poor credit see similar jumps with both Progressive and Allstate. Progressive's average study rate for this group rises by about 70% to $2,308. At Allstate, the average representative rate for this driver profile goes up by about 60%, to $3,025. That’s about $700 more than Progressive's rate in our analysis for driver profiles with poor credit.

To compare the effects of credit score on car insurance rates, we used male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Allstate and Progressive Car Insurance: Which Is Cheapest for Good Drivers? 

 

Clean record

Allstate

$1,880

Progressive

$1,372

Drivers who remain accident-free are rewarded with the lowest auto insurance rates. At Allstate, the average car insurance study rate for our good driver profile is $1,880, and at Progressive it’s $1,373. That’s a difference of about $500.

We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest After a Speeding Ticket? 

 

With 1 speeding violation

Allstate

$2,211

Progressive

$1,802

Those who drive faster than the speed limit are more likely to get in an accident, and accidents mean claims. Insurance companies are not keen on paying claims, so they raise rates for riskier drivers.

Allstate’s average rate for a driver profile with one ticket goes up by about $330 to $2,212. Progressive’s rate for the same profile, $1,803, is about $400 lower than Allstate’s rate. Both of these companies raise their average rates more than 20% for the profile with a speeding violation.

To analyze these rates, we particularly looked at driver profiles with one speeding violation. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest After an Accident?

 

With 1 accident

Allstate

$2,673

Progressive

$2,324

We found Progressive and Allstate have similar car insurance study rates for driver profiles with an accident on their record. Allstate’s average rate in our study for profiles with one accident is $2,673, which is about 40% higher than its representative rate for a driver with a clean record.

Progressive raises its average study rate by nearly $1,000 for a driver profile with an accident, to about $2,324. Progressive’s average auto insurance rate in our analysis for driver profiles with one accident is about $350 less than Allstate’s study rate.

We analyzed driver profiles with one accident to find these average rates. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Progressive Car Insurance: Which Is Cheapest After a DUI? 

 

With 1 DUI

Allstate

$3,251

Progressive

$1,793

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Getting behind the wheel while under the influence of drugs or alcohol can result in nasty crashes, and insurance companies raise rates accordingly for drivers who take this risk.

Progressive’s average auto insurance study rate for a driver profile with a DUI conviction is lower than its rates for profiles with other violations, at $1,793. That’s just over $400 more than its rate for driver profiles with a clean record, a 30% difference.

Allstate’s penalties for this profile are much harsher. Its average study rate for a driver profile with a DUI is $3,252, about $1,370 more than its average study rate for a driver profile with a clean record. That’s a difference of more than 70%. 

We compared driver profiles with one instance of driving under the influence (DUI) to arrive at these average rates in our study. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies