For most drivers, Progressive is cheaper — about $2,675/year for full coverage vs roughly $3,205 for Allstate — and it wins for adults, seniors and especially high-risk drivers. Allstate is mainly worth a look if you’re insuring a teen or want to bundle home and auto with strong loyalty discounts. For most people, Progressive is the safer bet on price.
Side by side
| Progressive | Allstate | |
|---|---|---|
| Full coverage / yr | ~$2,675 | ~$3,205 |
| Minimum coverage / yr | ~$620 | ~$889 |
| Best for | Low rates, high-risk | Teens, bundling, loyalty |
| Standout | Name Your Price, Snapshot | Loyalty & bundling discounts |
| Agents | Mostly online/phone | Large local agent network |
| AM Best strength | A+ | A+ |
Source: Insurance.com national average estimates, 2026. Varies by state, age, car, record and credit.
Which is cheaper?
Progressive, for most people — and the gap grows after a mistake. For an at-fault accident or a DUI, Allstate can cost well over $2,000 more a year. The one exception is teen drivers, where Allstate is slightly cheaper. Rankings also flip by state, so your own quotes are what count.
Watch the “loyalty” trap (and your state)
Allstate markets loyalty hard — safe-driving bonuses, accident forgiveness, deductible rewards for staying. Those perks are real, but there’s a catch: Allstate often starts at a higher base price, so “loyal” can quietly mean “overpaying,” especially if you never re-shop. Progressive leans the other way with tools like Name Your Price. And as always, your state shifts the math — the gap between these two is wider in some states than others, so don’t assume a national average is your number.
A real example
Here’s the one I see most. A driver has been with Allstate for eight years, paying about $3,200 a year, assuming all that loyalty earns them the best deal. One afternoon they finally pull a Progressive quote — $2,650, including Progressive’s discounts. That’s $550 a year they’d been handing over for the comfort of not shopping. The loyalty rewards were real; they just didn’t make up for starting higher. The fix costs twenty minutes.
Who should choose each one
Choose Progressive if…
- You want the lowest rate for most profiles
- You have a ticket, an accident or a DUI
- You like usage-based tools (Name Your Price, Snapshot)
Choose Allstate if…
- You’re adding a teen driver (slightly cheaper here)
- You want to bundle home and auto with loyalty rewards
- You prefer a local agent and a big-brand feel
The bottom line
For the average driver, Progressive is usually the cheaper, safer bet — especially if your record isn’t spotless (see our DUI and SR-22 guides). Allstate makes sense mainly for teens, bundlers and loyal customers who truly use its discounts. Quote both for your situation before deciding.
I’ll keep it simple: for most people, Progressive is the cheaper, smarter pick here — and it’s not close in a lot of cases, especially if you’ve had an accident or a DUI, where Allstate’s price jumps fast. The one spot Allstate earns a real look is if you’re insuring a teen or want to bundle your home and car with an agent; its loyalty and bundling discounts are genuinely good.
But watch the “loyalty” angle — Allstate rewards you for staying, yet often starts higher, so you can still end up overpaying. Quote both, and never assume the familiar name is the cheap one.
FAQs
Is Allstate or Progressive cheaper?
When is Allstate the better choice?
Does Allstate’s loyalty discount actually save money?
Which is better for high-risk drivers?
Do both have local agents?
Does my state affect which one wins?
Sources: Insurance.com (2026 national average estimates).