Can't-Miss Facts

  • Progressive offers more competitive pricing than Allstate
  • Progressive offers more discounts than Allstate
  • Both companies have identical ratings from A.M. Best and the Better Business Bureau

Finding the right insurer is a complicated process, so we’re going to focus on just Allstate vs. Progressive auto insurance to make things easier.

If you’d like to learn more about Allstate claims service or Allstate in general, be sure to read our Allstate Auto Insurance Review.

If you’d like to compare auto insurance quotes from local companies near you, type your ZIP code into our free and helpful tool above to find affordable auto insurance rates in your area.

So, Allstate vs. Progressive: which insurance company is best in 2021?

Allstate vs. Progressive: Which is cheaper?

When you go about comparing insurers, you probably want to start with what is most important: pricing.

With that, let’s take a look at a table that will show the average annual auto insurance rates for all big insurers, including Allstate and Progressive:

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Rates
State Farm$3,269.80
American Family$3,544.37
Liberty Mutual$6,058.57

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As you can see, of the top ten companies shown, Allstate is cheaper than only one: Liberty Mutual.

Progressive, however, is cheaper than four: Farmers, Travelers, Allstate, and Liberty Mutual.

So, in terms of pricing, Progressive auto insurance rates appear to win. If you’d like to learn more about Progressive and its pricing and discounts, be sure to read our Progressive Auto Insurance Review for 2020.

Let’s move on to where these companies are available to consumers.

Allstate vs. Progressive: Which is located in more states?

When you compare insurance prices, some companies will pop up in the tool more frequently than others. This is because companies like Allstate and Progressive have spent years in the business building goodwill and expanding. 

If you were hoping for Allstate to be available in your area you’re in luck because they currently write in every single state in the country.

If you were thinking a little more along the lines of choosing Progressive over Allstate, you’re still in luck because Progressive also operates in all 50 states.

Now that we know where they operate, let’s see what they can offer you to save you some money in these states.

Allstate vs. Progressive: Which has better discounts?

If we stress anything, let it be the importance of discounts. There are a ton to accrue and as long as they’re applicable, they can really chip away at your premiums.

Let’s take a look at a table that will show a vast amount of auto insurance discounts and the companies that offer them:

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYes
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesNoYes
Driving Device/AppNoYesYesYesNoYesNoYesNoYesYesYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesYesYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesNoNoYes
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYes
Further EducationNoNoNoNoYesNoYesYesYesYesYesNoYesNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNo
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesNoYesNoNoYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoYesYesYesYesNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoYesYesYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoYesNoNoYes
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesNoYes
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoNoNoYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesNoYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoYesNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYes“NoNo
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNo
Switching ProviderYesNoNoYesNoYesNoYesYesNoYesYesNoYes
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYes
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYes

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As you can see, of the 67 discounts shown, Allstate Insurance offers 29. Progressive Insurance offers 35 of these discounts.

These discounts range from paying your bills on time, to being an accident-free driver, to having safety features in your car (an increasingly common occurrence and certainly a discount worth asking an agent about).

What’s even better than the number of discounts is how simple they can be. You can qualify for a lot of car insurance discounts just by accessing your account with your Allstate login or Progressive insurance login.

On top of getting auto insurance discounts, as a policyholder, you can use your Progressive login or Allstate insurance login to file claims, update your coverage, or get in touch with an agent.

Allstate vs. Progressive: Which has better ratings?

When you are comparing insurers, one last thing to be aware of is company ratings from organizations such as A.M. Best and the Better Business Bureau (BBB).

A.M. Best’s rating system is taken extremely seriously by insurers because it can either ward off or attract customers. What’s even better is the fact they have Long-Term Issuer Credit Ratings to instill confidence in regards to the companies’ futures.

A.M. Best’s rating scale ranges from A++ down to D. Allstate currently has an A.M. Best rating of A+ (Superior). Progressive also has an A+.

In terms of Long-Term Issuer Credit Rating, Progressive received a score of aa, which is the second-highest rating and indicates that Progressive has a superior capacity to meet financial obligations to shareholders.

Allstate, however, has recently been demoted from aa to aa-. Because the credit ratings are under review, we can assume that there may be another rating demotion in the future.

The BBB’s rating scale goes up to only A+, which is the rating Allstate has. However, Allstate is not currently accredited by the BBB. The same thing goes for Progressive, which is not accredited but has an A+ rating from the BBB.

In terms of company ratings, it appears to be a flat-out tie. In terms of the comparison as a whole, it appears that Progressive is the superior auto insurance company. But don’t stop at this comparison.

Be sure to type your ZIP code into our free and helpful tool below to find affordable auto insurance premiums in your area before you buy a policy.