Allstate vs. Progressive: Which offers the cheapest auto insurance rates?

Allstate vs. Progressive: Which one is the cheapest?

Progressive costs $549 per year, while Progressive costs $700 per year for state minimum coverage.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, Progressive costs an average of $1,998. On the other hand, Allstate is more expensive, with an average cost of $2,509.

It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Allstate	$2,509	$700	$854
Progressive	$1,998	$549	$709

Allstate vs. Progressive: Rates by age group

For a teen — one of the most expensive age groups to insure — Progressive has the cheapest rates, coming in at $7,174 per year. Allstate costs an average of $7,437 for a teen driver.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $2,009 a year at Progressive, while car insurance for adults at Allstate costs $2,509 per year.

Age group	Allstate	Progressive
Teens	$7,437	$7,174
Young adults	$3,754	$3,242
Adults	$2,509	$2,009
Seniors	$2,477	$2,000

Allstate vs. Progressive: Rates for high-risk drivers

Progressive offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.

For drivers with a DUI, Progressive is more affordable, with an average rate of $2,707.

Check out the table below to see how Allstate rates compare to Progressive rates for different driving violations.

Type of violation	Allstate	Progressive
1 At-fault property damage accident over $2K	$4,135	$3,119
1 At-fault property damage accident under $2K	$4,031	$3,103
At-fault bodily injury accident	$4,282	$3,126
Careless driving	$2,954	$2,936
DUI	$4,884	$2,707
Reckless driving	$4,601	$2,982
Speeding	$2,965	$2,650

Allstate vs. Progressive: Which is better rated?

Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how Allstate and Progressive scored in the best car insurance companies of 2025.

Overall, Allstate scored 3.78, while Progressive scored 4.14.

Ratings	Progressive	Allstate
NAIC	0.65	0.65
AM Best	A+	A+
Average annual premium	$1,992	$2,508
Average monthly premium	$166	$209
Customer Satisfaction	3.9	4.0
Insurance.com score	4.1	3.8

Allstate vs. Progressive: Rates in your state

Insurance rates change from state to state. Companies look at data from your ZIP code such as weather, crime, and traffic to figure out the risk. The table below shows where you'll find the lowest rates for Allstate and Progressive. Always compare multiple quotes, since your location, driving record, and personal details will affect your final price.

State	Allstate	Progressive
Alabama	$2,178	$2,402
Alaska	$2,114	$1,742
Arizona	$2,215	$1,903
Arkansas	$2,729	$2,431
California	$2,627	$2,179
Colorado	$2,774	$2,796
Connecticut	$2,195	$1,708
Delaware	$3,631	$1,999
Florida	$3,569	$2,902
Georgia	$2,014	$1,656
Hawaii	$1,882	$1,279
Idaho	$1,945	N/A
Illinois	$2,742	$1,412
Indiana	$2,324	$1,480
Iowa	$2,126	$1,589
Kansas	$2,968	$1,937
Kentucky	$3,127	$2,714
Louisiana	N/A	$3,065
Maine	$1,147	$1,106
Maryland	$3,108	$1,895
Massachusetts	$2,694	$2,016
Michigan	N/A	$2,069
Minnesota	$2,388	N/A
Mississippi	$2,527	$2,131
Missouri	$2,852	$1,960
Montana	$2,949	$2,414
Nebraska	$2,621	$1,964
Nevada	$2,614	$2,482
New Hampshire	$2,123	$1,343
New Jersey	$2,294	$2,187
New Mexico	$2,834	$1,557
New York	$2,056	$1,020
North Carolina	$2,994	$2,028
North Dakota	$2,339	$1,403
Ohio	$1,942	$1,626
Oklahoma	$2,699	$1,194
Oregon	$2,945	$1,765
Pennsylvania	$2,503	$2,193
Rhode Island	$2,993	$1,841
South Carolina	$2,336	$1,816
South Dakota	$2,070	$3,163
Tennessee	$3,032	$1,550
Texas	$2,941	$3,032
Utah	$2,279	$1,845
Vermont	$1,733	$926
Virginia	$2,021	$2,120
Washington	$1,766	$2,554
Washington, D.C.	$3,769	$1,488
West Virginia	$3,132	$1,825
Wisconsin	$2,515	$2,128
Wyoming	$2,831	N/A

Allstate vs. Progressive: Which offers better discounts?

Discounts are a great way to save money on your annual insurance premiums. Below are some of the discounts that Allstate and Progressive offer to their customers.

Discounts	Progressive	Allstate
Multi policy	9%	9%
Payment type	11%	9%
Daily commute	N/A	9%
Telematics	10%	8%
Lower annual mileage	5%	7%
Education	4%	6%
Homeowner	4%	6%
Marital status	12%	6%
Paperless/electornic documents	1%	6%
Safety devices	3%	5%
Days advanced purchase	4%	12%
Electronic funds transfer	3%	4%
Loyalty	3%	18%
Profession	14%	N/A
Electronic signature	10%	N/A
Air bags	1%	1%
Anti-theft device	0%	1%

When shopping for car insurance, always ask about available discounts to see which ones you qualify for.

Allstate vs. Progressive: The bottom line

Both Allstate and Progressive are solid insurance companies, but if rates are what matter most to you, Progressive may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: