Auto Insurance · Head-to-head
Progressive vs Allstate: Which auto insurance wins?
Side-by-side comparison of Progressive and Allstate auto insurances — APR ranges, credit floors, application speed, and editorial verdict.
Progressive
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
Allstate
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
Editor's verdict
Progressive wins on price; Allstate wins on bundling + accident forgiveness.
Progressive's $1,633/year national average is $475 cheaper than Allstate's $2,108/year — a 22.5% gap that holds for clean-record drivers across most states. Allstate's pricing premium buys you stronger bundling discounts (Allstate House + Auto + Personal Umbrella averages a 25% multi-policy discount, vs. Progressive's 12%), generous accident-forgiveness terms after 5 claim-free years, and a stronger local-agent network. Verdict: price-sensitive shoppers → Progressive. Drivers who bundle multiple policies, expect to file claims, or value a local agent → Allstate.
- Progressive is $475/year cheaper on average (Quadrant 2024 national).
- Allstate's bundle discount (25%) is double Progressive's (12%) when you bundle home + auto.
- Allstate offers free accident forgiveness after 5 claim-free years; Progressive charges $40-$80/year for the same.
- Both are AM Best A+ Superior — financial strength is identical.
- Progressive's Snapshot caps at 30% discount; Allstate's Drivewise caps at 30% but is more lenient on hard-braking.
Side-by-side breakdown
| Feature | Progressive | Allstate |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.4/5 | 4.1/5 |
| Rates & APR score (40%) | 4.3 | 3.8 |
| Loan terms score (25%) | 4.5 | 4.4 |
| Application score (20%) | 4.4 | 4.2 |
| Support score (15%) | 4.3 | 4.3 |
APR range
Progressive
—
Allstate
—
Min credit score
Progressive
—
Allstate
—
Loan amount
Progressive
—
Allstate
—
Term length
Progressive
—
Allstate
—
Overall rating
Progressive
4.4/5
Allstate
4.1/5
Rates & APR score (40%)
Progressive
4.3
Allstate
3.8
Loan terms score (25%)
Progressive
4.5
Allstate
4.4
Application score (20%)
Progressive
4.4
Allstate
4.2
Support score (15%)
Progressive
4.3
Allstate
4.3
Editor verdicts
Why we rate Progressive 4.4/5
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
Why we rate Allstate 4.1/5
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
Who should pick which?
Pick Progressive if…
- You prefer a fast, soft-pull-friendly online application.
- You want flexible loan terms and amount ranges.
Pick Allstate if…
- You trust Allstate's 4.1/5 editorial score.
Frequently asked questions
Answers to the most-searched questions about Progressive vs Allstate.
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