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Allstate Car Insurance vs. Progressive Car Insurance: Which Is Better?

 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.

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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 and Progressive Car Insurance Rates

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 $1,308. That’s just a few dollars lower than the average among all the insurers in our analysis: $1,323.

Allstate is the most expensive auto insurance company on our list. Its average across all types of driver profiles is $1,778. That’s about $450 more than the overall average for the top car insurers and $470 more than Progressive.

How We Did This Comparison 

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 ranking 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 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. 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 ranking and this head-to-head comparison.

Our Study Rates

U.S. News worked with Quadrant Information Services to provide a report of average 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, 2015 Ford F-150, with annual mileage of 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 ages 25, 35, and 60 who drive 12,000 miles per year, 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 vs. Nationwide: Pros & Cons

Allstate

    • Higher-than-average study rates

    • Customers don’t think it’s a good value

Progressive

    • Cheaper study rates than Allstate for most driver profiles

    • Most Progressive customers would recommend it

Allstate Auto Insurance Information

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 percent of the auto insurance market.

 In our survey, Allstate earned its highest scores for the ease of filing a claim and satisfaction with how the claim was resolved. Respondents were less enthusiastic about the value they felt they were getting from Allstate, with only 38 percent rating it a five out of five. Despite that, 65 percent of respondents said they were likely to renew their policies, while 58 percent were likely to recommend Allstate car insurance to others.

Progressive Auto Insurance Information

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 percent 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 percent 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.

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

For our male driver profile at age 25, Allstate's car insurance representative rate comes in at an average of $1,991. The average study rate for the 35-year-old male driver profile is $1,742, while the 60-year-old profile's rate is $1,676, on average. That’s almost $600 more than the national average rate of $1,187 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 $1,603. For the profile for 35-year-old male drivers, the study rate is $1,209, and for the 60-year-old profile, it’s $1,108. That representative rate for more experienced drivers is a little lower than the national average and almost $600 less than Allstate's average rate in our study for the senior male driver profile.

To find the average rates in our study for male drivers at particular ages, 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.

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Allstate

$1,991.16

$1,742.19

$1,676.41

Progressive

$1,602.96

$1,208.90

$1,105.52

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

Female drivers have lower average car insurance rates. At Allstate, the 25-year-old female driver profile's rate in our study is $1,908 on average. For the 35-year-old female driver profile, Allstate’s average representative rate is $1,760, and for the 60-year-old driver profile, it’s $1,630. That’s about $450 higher than the national average of $1,171 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 $1,558. The average for 35-year-old female driver profiles in our study is $1,286, and for 60-year-old driver profiles, it’s $1,067. That’s about $560 less than Allstate’s study rate for the 60-year-old female driver profile and about $100 less than the national average for both men and women in this age group.

To find the average rates in our study for female drivers at particular ages, 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.

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Allstate

$1,908.47

$1,760.38

$1,629.81

Progressive

$1,558.35

$1,285.99

$1,066.79

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

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 $1,778. Progressive’s rate in our study is cheaper by almost $500, with an average of $1,308.

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 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.

Company

12,000 miles annually

Allstate

$1,777.66

Progressive

$1,308.37

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

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, Allstate’s average study rate is $1,735, less than $100 cheaper than its rate in our study for high-mileage driver profiles.

Progressive’s average auto insurance representative rate for low-mileage driver profiles is almost identical to its average for high-mileage driver profiles in our study: $1,304. That’s a difference of only about $5. It’s also $432 cheaper than Allstate’s study rate.

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.

Company

6,000 miles annually

Allstate

$1,735.00

Progressive

$1,303.99

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

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 $1,295, and Allstate’s is $500 higher, at $1,793.

Our study reviewed the effects of credit scores on car insurance rates using male and female driver profiles with ages of 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.

Company

Good Credit

Allstate

$1,792.73

Progressive

$1,295.62

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

Representative rates for driver profiles with poor credit are quite different between Progressive and Allstate. Progressive's average study rate for this group jumps by more than $1,000, to $2,347. At Allstate, the average representative rate for this driver profile goes up by about $1,200, to $3,011. That’s about $660 more than Progressive's rate in our analysis for driver profiles with poor credit.

Our study reviewed the effects of credit scores on car insurance rates using male and female driver profiles with ages of 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. 

Company

Poor Credit

Allstate

$3,011.20

Progressive

$2,347.35

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

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 $1,778, and at Progressive it’s $1,308. That’s a difference of $470.

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 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.

Company

Clean record

Allstate

$1,777.66

Progressive

$1,308.37

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

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 and Progressive both raise their average car insurance representative rates by at least $300 for driver profiles with a speeding violation on their record. The average rate in our study for this group is $2,079 at Allstate and $1,736 at Progressive. Progressive is cheaper by nearly $350.

To get these study rates, we created driver profiles that had a single speeding ticket. 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.

Company

With 1 speeding violation

Allstate

$2,079.37

Progressive

$1,735.51

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

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 $2,514, which is $736 more 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 $2,296. Progressive’s average auto insurance rate in our analysis for driver profiles with one accident is only about $200 less than Allstate’s study rate.

These study rates are based on driver profiles with one accident on their record. 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. 

Company

With 1 accident

Allstate

$2,514.37

Progressive

$2,296.26

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

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 $1,757. That’s only $450 more than its rate for driver profiles with a clean record.

Allstate’s penalties for this profile are much harsher. Its average study rate for a driver profile with a DUI is $2,991, about $1,200 more than its average study rate for a driver profile with a clean record. 

To get these study rates, we created driver profiles that had one DUI on the record. 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.

Company

With 1 DUI

Allstate

$2,990.62

Progressive

$1,757.01

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The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about Allstate, Progressive, and their competitors.

Our Car Insurance Ranking:

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

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates: