Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 20, 2019

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There are so many factors to consider when choosing a car insurance company that the process can be overwhelming.

While some consumers make their decisions based entirely on car insurance rates or recommendations from friends and family members, many consumers are concerned about factors like customer service and the company’s reputation for handling claims fairly and efficiently.

You can enter your zip code in the box to compare car insurance quotes from different companies.

But before you do, read this article to learn more about the strengths and weaknesses of two of the best-known car insurance agencies, Allstate and Progressive.

Allstate Auto Insurance: “You’re In Good Hands”

Allstate has a more traditional public image compared to upstart Progressive, although it has recently jumped on the bandwagon of humorous car insurance commercials with its “mayhem” ads.

The company, which was established in 1931 by Sears, Roebuck and Co., is the largest publicly-held insurer in the U.S. and the second-largest overall, after State Farm.

Allstate offers 13 different insurance lines, including auto, home, life and even power sports. As of 2009, it commanded almost 11 percent of the United States’ car insurance market.

Progressive Insurance: The Basics

Unlike Allstate, Progressive’s business is focused almost exclusively on car insurance products and they had a 7.5% market share of the U.S. car insurance market in 2009.

It is known for its humorous ads featuring “Flo,” an enthusiastic Progressive employee, and for providing comparisons of its rates with other companies’ rates directly to consumers on its website.

Customers can insure their autos, boats, RVs and motorcycles with Progressive and the company also has smaller segments devoted to commercial auto insurance and professional liability insurance. However, auto insurance remains Progressive’s primary focus.

Allstate vs Progressive Pros and Cons

Company Size

If you’re trying to navigate the maze of car insurance companies, and both Progressive and Allstate are on your radar, one important factor to consider in your decision is the range of products that each company offers.

Since Allstate offers a much wider range of insurance products than Progressive, you will most likely be able to purchase all of your insurance with Allstate, resulting in discounts across the board.

Unless you insure more than one vehicle with Progressive, you will not be able to get a multiple-policy discount.

Pricing

Car insurance rates are very personalized; some drivers will get reasonable rates from nearly any company, while others are lucky to get any coverage at all, even at the highest rates.

On average, though, the National Auto Insurance Study conducted by J.D. Power and Associates in 2010 found that Progressive customers were happier with the prices they paid than Allstate customers were.

While Progressive received at rating of “about average” in the pricing category, Allstate ranked near the bottom of the barrel in terms of customer satisfaction with prices.

This doesn’t necessarily mean that Progressive customers are thrilled with the prices they’re paying, but it suggests that Allstate customers definitely are not.

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Policy Options

Another area in which Progressive bested Allstate (and quite a few other insurers) in J.D. Power and Associates’ ranking was in the policy offerings category.

While Allstate received an “about average” rating in this category, Progressive customers were so enthusiastic about the company’s range of policy offerings that it received a rating of “better than most.”

This means that if you want to have a lot of choices in terms of deductibles and levels of coverage, Progressive might be the better choice for you.

Who is the better car insurance company – Allstate or Progressive?

Progressive has clearly bested its larger competitor, Allstate, in areas like price and policy choice.

According to the J.D. Power and Associates rankings, though, both companies ranked slightly below the insurance industry average of 777 points out of 1,000 in terms of overall customer satisfaction.

Progressive just missed the mark with an overall score of 775, while Allstate was well below it with a score of 768.

Another distinction worth considering is that Progressive has a reputation for having a stronger online presence than traditional companies like Allstate. If you like to update your policy information and pay bills online or via your mobile phone, Progressive might be a good choice for you.

On the other hand, if you prefer to interact with your insurance company the old-fashioned way, you might be more comfortable with Allstate.

In general, your personal preferences will dictate which car insurance company is right for you, but entering your zip code in the box will provide you with useful information to help you make the right decision.

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  2. Allstate vs. Nationwide Car Insurance
  3. Allstate vs. Amica
  4. Allstate vs. Farmers Car Insurance
  5. Progressive Car Insurance Review