Progressive Vs Allstate

Overall Scores

Head-to-Head at a Glance

Progressive vs Allstate — two of America’s top 5 auto insurers compared.

Progressive

4.6

★★★★★

~$1,550/yr avg premium

High-Risk Drivers5.0

Digital Tools4.5

Snapshot Savings4.5

Coverage Options4.7

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Allstate

4.4

★★★★☆

~$1,720/yr avg premium

Bundle Discount4.8

Agent Network4.5

New Car Replacement4.6

Value3.8

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Full Comparison

15-Metric Breakdown

Metric	🏆 Progressive	Allstate
Overall Score	4.6/5 ✓ Better	4.4/5
Avg Annual Premium	~$1,550/yr ✓ Cheaper	~$1,720/yr
J.D. Power Satisfaction	832/1000	820/1000
AM Best Rating	A+ ✓ Better	A+
Gap Insurance	✓ Available ✓ Better	✓ Available
Rideshare Coverage	✓ ✓	✓
High-Risk Driver Coverage	✓ Best in class ✓ Better	✓ Limited
Telematics	✓ Snapshot ✓ Better	✓ Drivewise
Multi-Policy Discount	Up to 20%	Up to 25% ✓ Better
New Car Replacement	✓ Available	✓ Better terms ✓ Better
Accident Forgiveness	✓ ✓	✓
Agent Network	Online + agents	10,000+ agents ✓ Better
Mobile App Rating	4.5 ★ ✓ Better	4.3 ★
Claims Satisfaction	4.0/5	3.9/5
Best For	High-Risk Drivers ✓ Unique	Bundling

Pros & Cons

What Each Does Best

🏆 Progressive

Best for high-risk drivers — SR-22 friendly
Snapshot telematics can save up to 30%
Lower average premium (~$170/yr cheaper)
Excellent online tools and name-your-price tool
Lower J.D. Power satisfaction score
Rates can spike after first ticket

Allstate

Best bundling discounts (up to 25%)
10,000+ local agents nationwide
Excellent new car replacement coverage
Milewise pay-per-mile option for low drivers
Highest average premiums in this comparison
Lower satisfaction for claims resolution

💡 TheOrtus Verdict: Progressive Wins on Value, Allstate Wins on Bundling

Progressive is the better choice for most drivers — especially high-risk drivers, those who drive frequently, or anyone who values digital tools and Snapshot savings. Allstate is the better pick if you plan to bundle home and auto insurance and want a large agent network.

Choose Progressive if…

You have a less-than-perfect driving record, want usage-based savings, or prefer managing insurance online.

Choose Allstate if…

You want to bundle home and auto, prefer local agent access, or value new car replacement coverage.

Get Quotes from Both →See Auto Rankings

FAQs

Is Progressive or Allstate cheaper? +

Progressive is typically cheaper — averaging ~$1,550/year vs Allstate’s ~$1,720/year, a difference of about $170/year. However, Progressive’s rates can increase significantly after a ticket or accident, while Allstate’s rates tend to be more stable. Your driving record matters a lot here.

Which is better for high-risk drivers? +

Progressive is significantly better for high-risk drivers — they specialize in SR-22 coverage, accept drivers with DUIs, multiple violations, or poor credit, and often offer lower rates than competitors in this segment. Allstate is less competitive for high-risk profiles.

Which is better for bundling? +

Allstate offers better bundling — up to 25% vs Progressive’s 20%, and their home insurance is a first-party product (not through a partner), making the experience more seamless. If bundling home and auto is your priority, Allstate wins.

⚖️ Compare Insurance Plans

Progressive vs Allstate — 2026 Deep Dive

Head-to-Head at a Glance

15-Metric Breakdown

What Each Does Best

🏆 Progressive

Allstate

💡 TheOrtus Verdict: Progressive Wins on Value, Allstate Wins on Bundling

Choose Progressive if…

Choose Allstate if…

Progressive vs Allstate

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