Progressive beats Allstate on price for most driver profiles and offers better specialized coverage for high-risk drivers. Allstate's Drivewise program and new car replacement are genuine advantages, but they do not overcome the $175 per year average rate difference. Progressive wins for most shoppers comparing these two insurers.
Rate Comparison: Progressive vs Allstate
| Driver Profile | Progressive | Allstate | Cheaper Option |
|---|---|---|---|
| Clean record — 35, good credit | $1,442/yr | $1,617/yr | Progressive |
| One speeding ticket | $1,816/yr | $1,988/yr | Progressive |
| At-fault accident | $2,090/yr | $2,279/yr | Progressive |
| DUI conviction | $2,624/yr | $2,829/yr | Progressive |
| Young driver age 22 | $3,028/yr | $3,314/yr | Progressive |
Winner on price: Progressive offers lower average rates for most driver profiles. The difference is $175 per year on average.
Claims Satisfaction: Progressive vs Allstate
Progressive scores above the industry average on claims satisfaction with customers reporting fast claim payments and responsive adjusters.
Allstate scores below average on claims satisfaction, with customers citing inconsistent adjuster quality and longer-than-average processing times.
Winner on claims: Progressive edges out the competition based on J.D. Power claims satisfaction data and customer feedback analysis.
Final Verdict: Progressive vs Allstate
Overall winner: Progressive.
Progressive beats Allstate on price for most driver profiles and offers better specialized coverage for high-risk drivers. Allstate's Drivewise program and new car replacement are genuine advantages, but they do not overcome the $175 per year average rate difference. Progressive wins for most shoppers comparing these two insurers.
Before committing to either Progressive or Allstate, we strongly recommend getting quotes from both companies plus at least 2 additional insurers. The 10-minute comparison process regularly reveals savings of $400 to $2,000 per year.