Auto insurance · Updated August 2026
Progressive vs Allstate
Progressive and Allstate tie on the published measures that usually decide a comparison. On the NAIC's 2025 complaint index, Progressive Direct drew 0.74 and Allstate Fire & Casualty drew 0.82, both below the industry median of 1.00, and AM Best rates both companies A+. They separate on lineup and on policy options: Progressive writes eight lines to Allstate's five, and Allstate sells accident forgiveness, new car replacement, and a pay-per-mile program through a local agent. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Dylan Leggett, licensed insurance agent · NPN 17875887
The short answer
Progressive has written auto since 1937 and writes eight lines, including motorcycle, RV, and pet. It sells direct, by phone, and through independent agents and brokers, so its price can sit next to other carriers' numbers before you commit. Progressive Direct drew 0.74 on the NAIC's 2025 complaint index, 367 complaints on $10.4 billion of private-passenger premium, and Snapshot adjusts the price to recorded driving. The tradeoffs: it places much of its home coverage with partner carriers rather than writing it directly, and there is no single local office that services every policy.
Allstate has written personal lines since 1931 and sells through a nationwide agent network, so one office can service auto, home, renters, motorcycle, and life. It sells accident forgiveness and new car replacement as named options, runs Drivewise for safe-driving credits, and files Milewise, a pay-per-mile program. Allstate Fire & Casualty drew 0.82 on the NAIC's 2025 complaint index, 454 complaints on $11.7 billion of premium. The tradeoffs: five lines against Progressive's eight, and its price is harder to place inside an independent comparison.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Progressive vs Allstate: the data sheet
Sources are listed under the measured figures. How we compare
Progressive | Allstate | |
|---|---|---|
| Built for | Standard drivers, plus non-standard tiers | Drivers who want a local agent and bundled home coverage |
| Who underwrites it | Progressive group companies | Allstate group companies |
| Complaints per policyEffectively tied | 0.74 367 complaints on $10.4B written | 0.82 454 complaints on $11.7B written |
NAIC complaint index, 2025, private passenger auto · Progressive Direct Ins. Co. vs Allstate Fire & Casualty Ins. Co. · 1.00 is the industry median | ||
| Financial strengthTied at A+ | A+ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyProgressive, if you want to bundle | 8 lines auto, home, renters, motorcycle, specialty property, rv, pet, life | 5 lines auto, home, renters, motorcycle, life |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.83 804,275 ratings | 4.79 1,257,155 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | Snapshot | Drivewise |
| Availability | All 50 states and Washington, D.C. | All 50 states |
| Known for | Bundling, Name Your Price, usage-based discounts | Drivewise rewards, Milewise pay-per-mile in some states |
In practice
Where they differ
The complaint records are close
On the 2025 NAIC figures, Progressive Direct drew 0.74 complaints against the expected rate for its size and Allstate Fire & Casualty drew 0.82. Both sit below the industry median of 1.00, and the 0.08 between them is inside the range that moves year to year. AM Best rates both companies A+.
Progressive writes more lines
Progressive writes eight lines: auto, home, renters, motorcycle, RV, pet, specialty property, and life. Allstate writes five: auto, home, renters, motorcycle, and life. Every line Allstate lists has a Progressive equivalent, so the extra three are the whole gap. If auto is all you need, the difference costs you nothing.
Named options against a wider quote
Allstate sells accident forgiveness and new car replacement as named policy options and services them through a local agent. Progressive sells through independent agents and brokers as well as direct, so its number can be collected alongside competitors' in one comparison.
Price
Which is cheaper: Progressive or Allstate?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. Progressive files tiers, so a complicated record can stay with the same company at a higher price.
Bundling moves the total. Both companies discount auto when it sits with home or renters, and the discount is filed per state. The combined number decides the comparison rather than the auto number alone.
Two different telematics bets. Snapshot and Drivewise both measure driving and adjust the price on the result. Allstate also files Milewise, which prices on miles driven rather than on how they were driven. Enrolling in any of them can raise a price as well as lower it.
One application. Real prices from the carriers writing in your state.