Allstate vs Progressive Car Insurance
When comparing Allstate vs Progressive car insurance, you can find Allstate coverage for $105 per month, while Progressive offers cheaper rates starting from $57 per month. Although Progressive might provide slightly lower rates, Allstate stands out as the superior option, with comprehensive coverage and discounts.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Feb 20, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Feb 20, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Navigating the complex landscape of car insurance rates involves assessing crucial factors like credit score, mileage, coverage level, and driving record. Delving into the intricacies of Allstate and Progressive’s offerings, this comparison unveils distinct insights into which company offers the most advantageous rates for diverse customer profiles. Examining this data provides an insightful snapshot guiding readers on how these crucial factors intricately influence insurance rates across these renowned insurance providers.
| Factor | Allstate | Progressive |
|---|---|---|
| Clean Record | $160 | $105 |
| 1+ Ticket | $188 | $140 |
| 1+ Accident | $225 | $186 |
| DUI | $270 | $140 |
| Poor Credit | $275 | $181 |
| Discount | Allstate | Progressive |
|---|---|---|
| Safe Driver | 15% | 31% |
| Low Mileage | 10% | 20% |
| Anti Theft | 10% | 5% |
| Paperless | 5% | 15% |
| Senior Driver | 5% | 10% |
| Good Student | 10% | 10% |
Allstate Car Insurance
Pros:
- Vanishing Deductible Program: Allstate offers a program that reduces the collision deductible for safe drivers each year.
- Accident Forgiveness: Allstate provides accident forgiveness, which can be valuable in case of an at-fault accident.
- Drivewise: Allstate’s telematics-based program allows you to monitor your driving habits and potentially save on premiums.
- Extended Health Insurance: Allstate offers additional health insurance options like cancer insurance and short-term disability coverage.
- Standard Discounts: Allstate provides standard discounts for good students, safe drivers, anti-theft devices, and electronic bill payments.
Cons:
- Price: Allstate tends to be slightly more expensive on average, which may not be the most budget-friendly option for all customers.
- Customer Complaints: Some states have reported a higher number of consumer complaints about Allstate.
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Progressive Car Insurance
Pros:
- Transparent Rate Comparisons: Progressive is known for offering competitor quotes on its website, making it easy to compare rates.
- Innovative Features: Progressive was one of the first to introduce features like pet injury coverage, the Snapshot program, and a “name your own price” option.
- Mobile Claims Teams: Progressive’s mobile claims teams provide on-site assistance, which can be convenient after an accident.
- Standard Discounts: Progressive offers discounts for married couples, safe drivers, good students, homeowners, and those with multiple vehicles.
- Direct Sales Online: Progressive primarily sells policies online and over the phone, which can be convenient for tech-savvy customers.
Cons:
- Price: Progressive may be slightly more expensive on average, and discounts may not apply to all customers.
- Customer Service: While customer reviews may vary, some users have reported mixed experiences with Progressive’s customer service.
Founded in 1931 as a subsidiary of Sears, Roebuck and Co., Allstate has grown to be the second-largest insurer in the country. It provides auto, motorcycle, recreational vehicle, boat, home, and life insurance products. It also offers extended health insurance benefits like cancer insurance or short-term disability coverage.
Allstate also provides standard discounts for good students, safe drivers, vehicles with anti-theft devices, and people who pay their bills electronically.
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Progressive Auto Insurance
Founded in 1937, Progressive only became fairly well-known in the past few decades thanks to its aggressive direct marketing strategy and transparent rate comparisons on its website. Progressive was the first insurance company to offer competitor quotes on its site.
Progressive also offers standard discounts for married couples, safe drivers, good students, homeowners and people with multiple vehicles.
Allstate vs Progressive
Allstate sells policies both online and through agencies, but Progressive sells the majority of its policies through direct sales online and over the phone. In terms of customer service, both companies are ranked similarly. JD Powers ranks both at three out of five stars, and they have similar financial strength rankings. Allstate does have a higher number of consumer complaints in some states.
In terms of price, Allstate and Progressive offer similar rates. Progressive tends to be slightly more expensive on average, but certain qualifying customers can get better discounts that will cause their rates to drop lower. The average policy in Texas costs $809 with Allstate and $1,164 with Progressive. In New York, the same policy would cost $1,165 with Allstate and $1,909 with Progressive.
Which Car Insurance Company is Better?
People who prefer having agency support may prefer to use Allstate. If you don’t mind having your customer service be handled entirely online or over the phone, Progressive may offer slightly better service experiences according to some reviews. Either way, for most people, the issue will come down to price. The company that offers the best discounts will most likely be the better insurer to suit your needs.
There is no single perfect insurance company. The best insurance company for you is the one that offers good rates and customer service you’re satisfied with. After you get a quote from a company, be sure to talk with a representative so you can get a feel for the customer service. If everything meets your expectations, you know that the company will be a good fit.
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Allstate vs Progressive: A Comprehensive Comparison of Claims Processes
Ease of Filing a Claim (online, over the phone, mobile apps)
When considering insurance companies like Allstate and Progressive, it’s crucial to assess the ease of filing a claim. Both Allstate and Progressive provide multiple avenues for filing a claim, including online platforms, over the phone, and through mobile apps. This flexibility allows customers to choose the method most convenient for them when initiating a claim.
Average Claim Processing Time
Understanding the average claim processing time is vital in evaluating an insurance company’s efficiency and responsiveness. While specific data on the average claim processing time for Allstate and Progressive may vary, both companies strive to expedite the claims process to ensure timely resolution and assistance for their policyholders.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts provides valuable insights into an insurer’s commitment to meeting their customers’ needs. Evaluating customer experiences with Allstate and Progressive in terms of how claims are resolved and the payout process can help potential policyholders make informed decisions about choosing the right insurance provider.
Allstate vs Progressive: Unveiling Digital and Technological Features for Informed Choices
Mobile App Features and Functionality
In today’s digital age, the functionality and features of mobile apps play a significant role in enhancing the overall customer experience. Both Allstate and Progressive offer mobile apps with various features such as policy management, claims filing, bill payment, and even telematics-based programs.
Assessing the usability and features of these apps is crucial for policyholders seeking convenient and accessible insurance services on the go.
Online Account Management Capabilities
Efficient online account management capabilities are essential for policyholders to have easy access to their insurance information and manage their policies effectively. Allstate and Progressive provide online portals that enable policyholders to view and modify their policies, access important documents, and track claims, contributing to a seamless and user-friendly insurance experience.
Digital Tools and Resources
Insurance companies often offer digital tools and resources to assist their customers in understanding their policies better and making informed decisions. Both Allstate and Progressive offer a range of digital tools, educational resources, and calculators that help policyholders navigate insurance options, coverage details, and discounts.
Assessing the availability and usefulness of these digital tools can aid individuals in choosing an insurer that aligns with their informational needs and preferences.
Frequently Asked Questions
What is Allstate car insurance?
Allstate is a large insurance company offering a range of insurance products, including car insurance. They offer various coverage options and discounts to help drivers get the protection they need.
What is Progressive car insurance?
Progressive is another large insurance company offering car insurance to drivers across the United States. They offer a range of coverage options and discounts, including their Snapshot program, which rewards safe driving habits with lower premiums.
Which is better, Allstate or Progressive car insurance?
It depends on your individual needs and preferences. Both Allstate and Progressive offer competitive rates and a range of coverage options, so it’s important to compare quotes and coverage options to determine which is best for you.
How can I get a quote from Allstate or Progressive car insurance?
You can get a quote from either Allstate or Progressive by visiting their websites, calling their customer service hotlines, or working with an independent insurance agent.
What factors impact car insurance rates with Allstate and Progressive?
Factors that can impact car insurance rates with Allstate and Progressive include your driving history, the type of car you drive, your location, and your coverage options.
Are there any discounts available with Allstate and Progressive car insurance?
Both Allstate and Progressive offer a range of discounts to help drivers save money on their car insurance premiums. Examples include safe driver discounts, multi-car discounts, and bundling discounts for those who also have home or renters insurance policies with the same company.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.