Allstate vs. Progressive: Which Auto Insurance is Better?

Progressive offers much more affordable rates for most drivers than Allstate — its average full coverage premium is 29 percent cheaper than Allstate’s. It was also rated as the best insurer for high-risk drivers in our most recent ranking of the best car insurance providers. Meanwhile, Allstate offers better customer service in most regions.

Allstate Is Better For:

• Policyholders who prioritize customer service
• Those who drive fewer-than-average miles each year

Progressive Is Better For:

• Most drivers prioritizing cost, including those with violations
• Drivers who live in California, where Progressive ranks higher for customer service

Progressive offers lower average rates than Allstate for every category we evaluated, including high-risk drivers. Below, you can compare average rates from Allstate and Progressive across several coverage levels and driver profiles. However, keep in mind that these are averages and that your quotes may differ.

By State

Allstate wins in:

• Kentucky
• Minnesota
• Pennsylvania
• South Carolina
• Wyoming

Progressive wins in:

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Illinois
• Indiana
• Iowa
• Kansas
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Rhode Island
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• Washington, D.C.
• West Virginia
• Wisconsin

Allstate and Progressive have the largest gaps in average full coverage premiums in the following states (as well as Washington, D.C.):

Winner: Progressive

If you’re only looking for basic coverage, you’ll find options such as liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments from both Allstate and Progressive.

They also have many of the same add-on coverage options, although only Progressive offers custom parts coverage. If that happens to be important to you, Allstate may not be the best choice.

Here is a list of some of the main optional coverages each company offers:

It’s also important to note that certain coverages may not be available in every state, so reach out to an agent if you have questions.

You may be able to save money on your premium by taking advantage of various auto insurance discounts offered by both Allstate and Progressive. Although Allstate is our top pick for bundling home and auto insurance, Progressive also offers a discount for bundling policies. If you already have a policy with either insurer, it’s worth checking how much you could save by adding auto insurance.

If your car has certain safety features, you may get a better rate from Allstate. However, only Progressive has discounts for getting an online quote and taking a defensive driving course.

Here is a full list of the main discounts offered by both companies — keep in mind that like coverages, discounts vary by state.

Winner: Progressive offers slightly more discounts, but that doesn’t automatically mean it will be cheaper for a given driver. It’s still worth getting a quote from both companies, as you may not be eligible for all discounts, and your rate depends on various factors.

Allstate vs. Progressive Telematics Programs

In order to save even more on your policy, you may consider signing up for a telematics program, which Allstate and Progressive both offer. These programs use a mobile app to track your driving habits and offer a discount if you drive safely. Allstate’s program is called Drivewise, while Progressive’s is called Snapshot.

Allstate no longer advertises its Drivewise discounts, noting that they vary by state, but it previously stated a discount of up to 10 percent when you sign up and up to 40 percent when your policy renews. (Note: Drivewise is not available in California or Arkansas.)

Progressive doesn’t advertise the maximum percentage discount for Snapshot, either, but according to their website, safe drivers can save an average of $322 at policy renewal and an average of $169 at sign-up. Snapshot is not available in California, and the sign-up discount is not offered in Hawaii or New York.

In J.D. Power’s 2025 U.S. Auto Insurance Study, Drivewise scored higher than Snapshot with a score of 649 (Snapshot scored 628)².

When it comes to customer service, Allstate may be a better choice than Progressive in most regions, according to several industry studies and metrics. Here is how they compare in key customer experience areas:

Claims Satisfaction

Allstate scored 693 out of 1,000 in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, placing it ahead of Progressive but still below average. Meanwhile, Progressive’s score of 673 placed it third to last among the major insurers evaluated in the study. Claims satisfaction measures how policyholders rate their experiences managing the claims process, which includes factors such as speed, fairness, and ease of service.

Interestingly, Progressive ranked higher than Allstate on the 2026 CRASH Network Report Card, which evaluates auto shops’ experience dealing with insurance providers. None of the 10 largest insurers earned higher than a C+ in this study, but Allstate’s D+ grade is still quite low.

Winner: Tie

Customer Service

Allstate ranked higher than Progressive for customer service in most regions, according to J.D. Power’s 2025 U.S. Auto Insurance Study, which measures overall customer satisfaction with insurers. Both companies ranked below average in almost every region — the exceptions being California for Progressive, and Florida and New England for Allstate.

Here’s a breakdown of each company’s score (out of 1,000) by region:

When looking at the companies’ complaint indexes from the National Association of Insurance Commissioners (NAIC) — which logs customer complaints against insurers — Progressive actually does better. As of 2024 (the most recent data at the time of this writing), it had a complaint index of 2.79, while Allstate’s was 4.56. It’s worth noting that both companies received more complaints than average, which is represented by an index of 1.

Winner: Allstate

Shopping

Both Allstate and Progressive offer flexible ways for customers to shop for policies, get quotes, and make a purchase, including online and over the phone with an agent. In terms of customers’ satisfaction with the shopping experience from both companies, Allstate beats Progressive.

Allstate earned a score of 669 out of 1,000 on J.D. Power’s 2025 U.S. Insurance Shopping Study and ranked above average, while Progressive’s score of 645 placed the company below average. This study evaluates other factors beyond just the quote process, including price, policy offerings, and distribution channel (e.g., online platforms, agents, or direct sales), so Allstate’s score suggests customers are satisfied with these aspects of the company as well.

Winner: Allstate

jklfjdsafOn J.D. Power’s 2024 U.S. Insurance Digital Experience Study, Progressive ranked higher than Allstate in the service category with a score of 737 — in fact, it ranked first among the providers evaluated (excluding USAA, which isn’t officially ranked). Allstate earned a score of 713 and ranked fourth. In the shopping category, the companies scored comparably, but Allstate scored very slightly higher.⁸

Choose Allstate if you: 

• Prioritize customer service and live in a region other than California
• Drive fewer miles than average

Choose Progressive if you: 

• Are looking for the cheapest rates
• Have a violation on your record
• Live in California

Progressive vs. State Farm Scorecard

Allstate and Progressive are fairly comparable when it comes to their financial stability, availability, coverage options, and discounts. The best company for you will ultimately depend on which company offers you what you need at the best rate.

On average, Progressive has the cheapest rates for most drivers, including those with violations. Its average rate for full coverage policies is 29 percent ($855 per year) cheaper than Allstate’s, and its average rate for drivers with a DUI is 39 percent ($1,799) cheaper.

Meanwhile, Allstate fares better for customer service in most regions, particularly Florida and New England. However, keep in mind that company rankings will not necessarily reflect your experience. In addition, you should always get quotes from several companies, as average prices may not be the same as what you’re quoted.

If you drive fewer-than-average miles per year, you may benefit from Allstate’s Milewise program, assuming it’s available where you live. Check with an agent if you’re interested, and calculate whether the pay-per-mile program makes sense financially compared to other standard quotes you’ve received.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40%): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit scores. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): An auto insurer’s claims handling process should be quick, transparent, and efficient, with clear communication, fair evaluation of damages, and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Global Ratings. We also include real-life customer experiences when possible.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.