Get Cheap Car Insurance Quotes from Top Companies

The best way to get the lowest rates is to compare quotes from top insurers similar to Allstate.

 

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 10 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

  • Higher-than-average rates
  • Customers don’t think it’s a good value

Progressive

  •  Annual rates are about average
  • Most Progressive customers would recommend it

Allstate vs. Progressive: Which Is Cheaper? 

When we looked at the average car insurance rates for the 10 top national insurance companies, Progressive fell square in the middle of the pack. Its average annual auto insurance rate for drivers across all demographics is $4,035. That’s not much higher than the average among the top 10 insurers: $3,953.

Allstate is one of the more expensive auto insurance companies on our list. Its average across all types of drivers is $4,888. That’s nearly $1,000 more than the average for the top 10 car insurers and about $850 more than Progressive.

How We Did This Comparison

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. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 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. The rates shown here are for comparative purposes only. Individual rates will differ.

We also 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.

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 Teens?

Company

Single 17-year-old female

Single 17-year-old male

Allstate

$9,282.19

$10,642.53

Progressive

$8,689.95

$9,625.49

New drivers will likely make mistakes as they learn to navigate driving through everything from parking lots to interstates. Those mistakes can lead to accidents, which is why insurance companies charge some of their highest rates to this group. Allstate and Progressive's rates for teenagers are higher than the national average rate of $8,293.

Allstate has one of the highest rates for this demographic. Its average auto insurance rate for a 17-year-old female driver is $9,282. It's $10,642 for a male the same age. Progressive’s average car insurance rates for teens are a little lower: $8,690 for young female drivers and $9,625 for young male drivers. That’s nearly $600 less than Allstate's rate for teen girls and about $1,000 less than Allstate's rate for teen boys.

Both Allstate and Progressive have discounts available to offset some of this expense. They both offer discounts for good students who maintain a B average or better in school. They also both offer lower rates if the student is going to school more than 100 miles from where the car is garaged. In addition, Allstate offers a discount for completing its teenSMART driver education program.

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

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Allstate

$3,570.93

$3,123.01

$2,990.64

Progressive

$2,758.66

$2,175.27

$2,048.63

Rates drop by several thousand dollars once a driver has about a decade of experience on the road. When men turn 25, Allstate's car insurance rates go down to an average of $3,571, which is about $7,000 less than its average rate for a teen male driver. The average rate for 35-year-olds is $3,123, while 60-year-olds pay $2,991 on average. That’s still $700 more than the national average of $2,275 for 60-year-old drivers.

Progressive’s average auto insurance rate for a 25-year-old male is $2,759, which is also about $7,000 less than its rate for teen male drivers. For 35-year-old men, the rate is $2,175, and for 60-year-olds, it’s $2,049. That rate for more experienced drivers is a little lower than the national average and about $900 less than Allstate's average rate for that age group.

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

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Allstate

$3,424.87

$3,156.09

$2,913.37

Progressive

$2,697.73

$2,296.90

$1,991.49

Female drivers have lower average car insurance rates. At Allstate, a 25-year-old female pays $3,425 on average, about $6,000 less than 17-year-old females pay. For 35-year-old women, Allstate’s average rate is $3,156, and for 60-year-olds, it’s $2,913. That’s about $700 more than the national average of $2,275 for 60-year-old drivers.

Progressive’s average auto insurance rates for women are several hundred dollars less than Allstate’s. Once drivers turn 25, Progressive’s average rate drops to $2,698, which is about $6,000 less than its average rate for teen drivers. The average for 35-year-old female drivers is $2,297, and for 60-year-old drivers, it’s $1,991. That’s $922 less than Allstate’s rate for 60-year-old female drivers and nearly $300 less than the national average for both men and women in this age group.

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

Company

12,000 miles annually

Allstate

$4,934.20

Progressive

$4,041.01

Putting 12,000 miles on the odometer each year is typical for an American driver. Allstate’s average car insurance rate for drivers with this kind of annual mileage is $4,934. Progressive’s rate is cheaper by almost $900, with an average of $4,041.

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

Company

6,000 miles annually

Allstate

$4,841.71

Progressive

$4,030.02

Unfortunately, driving half as much as the national average doesn’t mean paying half as much for car insurance. For those who drive 6,000 miles a year, Allstate’s average rate is $4,842, about $100 less than its rate for higher-mileage drivers.

Progressive’s average auto insurance rate for low-mileage drivers is almost identical to its average rate for higher-mileage drivers: $4,030. That’s a difference of only about $10. It’s also $812 cheaper than Allstate’s rate.

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

Company

Good credit

Allstate

$3,859.66

Progressive

$3,628.85

Allstate and Progressive's rates aren't too far apart for drivers with good credit. Progressive’s rate averages $3,629, and Allstate’s is a little higher at $3,860. That’s a difference of only $231.

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

Company

Poor credit

Allstate

$6,490.65

Progressive

$4,737.64

Rates for drivers with poor credit are quite different between Progressive and Allstate. Progressive's rate for this group jumps by more than $1,000 to $4,738. At Allstate, the average rate goes up by about $2,600, to $6,491. That’s about $1,750 more than Progressive's rate for drivers with poor credit.

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

Company

Clean record

Allstate

$3,819.90

Progressive

$3,393.09

Drivers who remain accident-free are rewarded with the lowest auto insurance rates. At Allstate, the average car insurance rate for good drivers is $3,820, and at Progressive it’s $3,393. That’s a difference of about $425.

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

Company

With 1 speeding violation

Allstate

$4,483.51

Progressive

$4,002.28

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 rates by more than $600 for drivers with a speeding violation on their record. The average for this group is $4,483 at Allstate and $4,002 at Progressive. Progressive is cheaper by nearly $500.

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

Company

With 1 accident

Allstate

$4,987.68

Progressive

$4,777.04

Progressive and Allstate have very similar car insurance rates for drivers with an accident on their record. Allstate’s average rate for those with one accident is $4,988, which is $1,170 more than its rate for a driver with a clean record.

Progressive raises its average rate by about $1,400, to $4,777, for a driver with an accident. Progressive’s average auto insurance rate for drivers with one accident is only about $200 less than Allstate’s rate.

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

Company

With 1 DUI

Allstate

$6,260.73

Progressive

$3,969.65

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 rate for a driver with a DUI conviction is $3,970. That’s only $575 more than its rate for drivers with a clean record.

Allstate’s penalties for this group are much harsher. Its average rate for a driver with a DUI is $6,260, nearly $2,500 more than its average rate for a driver with a clean record. To put it in perspective, Allstate's rate for driver's with a DUI is higher than some insurer's rates for teen drivers.

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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. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates:

Liberty Mutual car insurance rates are not currently available.