Coverage Options

Both Allstate and Progressive provide standard auto, home, and renters insurance, but they offer different optional add-ons and policy structures.

Allstate Coverage Options

• Auto Insurance: Liability, collision, comprehensive, medical payments (MedPay), uninsured/underinsured motorist coverage
• Accident Forgiveness: Prevents rate hikes after a first accident
• New Car Replacement: Covers the cost of a brand-new car if totaled within two model years
• Safe Driving Bonus®: Rewards drivers with cash back for accident-free driving
• Home Insurance: Standard homeowners coverage with optional water backup and identity theft protection

Progressive Coverage Options

• Auto Insurance: Standard liability, collision, and comprehensive coverage
• Snapshot® Telematics Program: Tracks driving habits to lower premiums
• Custom Parts & Equipment Coverage: Covers aftermarket modifications for vehicles
• Rideshare Insurance: Protection for Uber and Lyft drivers
• Home Insurance: Standard coverage with options for flood insurance and personal injury protection

Key Takeaway: Allstate offers more rewards for safe drivers and new car replacement coverage, while Progressive is better for rideshare drivers and those with modified vehicles.

Pricing and Discounts

Pricing varies based on location, driving history, and coverage levels, but Progressive generally offers lower rates than Allstate.

Allstate Pricing & Discounts

• Drivewise® telematics program for safe driving discounts
• Multi-policy discount for bundling auto and home insurance
• New car discount
• Pay-in-full and autopay discounts

Progressive Pricing & Discounts

• Snapshot® telematics program can lower rates for safe drivers
• Multi-car and multi-policy discounts
• Continuous insurance discount for long-term policyholders
• Usage-based insurance for low-mileage drivers

Key Takeaway: Progressive is generally more affordable, especially for safe drivers using Snapshot®, while Allstate offers better discounts for bundling and accident forgiveness.

Claims Process

Both insurers offer online claims filing, but they differ in efficiency and customer satisfaction.

Allstate Claims Process

• 24/7 claims support via phone, online, or mobile app
• Claim Satisfaction Guarantee (refunds a portion of premiums if unsatisfied with claims service)
• Mixed reviews on claims resolution speed

Progressive Claims Process

• 24/7 claims support with online tracking tools
• Name Your Price® Tool allows customers to customize policies based on budget
• Some reports of longer claims resolution times

Key Takeaway: Allstate has a better reputation for claims satisfaction, while Progressive offers more pricing flexibility but has mixed claims reviews.

Customer Service

Allstate Customer Service

• Local agent-based service model
• 24/7 phone support and online chat
• Generally higher customer satisfaction for personalized service

Progressive Customer Service

• Direct-to-consumer model with fewer local agents
• 24/7 phone support and mobile policy management
• Some customers report longer response times for claims

Key Takeaway: If you prefer working with a local agent, Allstate is the better option. If you’re comfortable with self-service through digital tools, Progressive is a solid choice.

Unique Features

Each company offers specialized benefits that may appeal to different policyholders.

Allstate Unique Features

• Drivewise®: Tracks driving habits to reward safe drivers
• Safe Driving Bonus®: Cash rewards for accident-free driving
• Claim Satisfaction Guarantee: Refunds policyholders if unsatisfied with a claim

Progressive Unique Features

• Snapshot® telematics program: Discounts for good driving habits
• Name Your Price® Tool: Lets customers customize policies to fit their budget
• Custom parts & equipment coverage: Great for modified vehicles

Key Takeaway: If you want cash-back rewards and personalized agent service, Allstate is a better fit. If you want flexible pricing tools and discounts for custom vehicles, Progressive is the better option.

Availability

• Allstate: Available in all 50 states with a large network of agents.
• Progressive: Also available nationwide, but mainly direct-to-consumer with fewer local agents.

If you prefer agent support, Allstate is the better option. If you like managing policies online, Progressive is a strong choice.

Reputation and Reviews

Both companies are financially stable, but they differ in customer satisfaction ratings.

Allstate Reputation

• A+ rating from A.M. Best (strong financial stability)
• Higher claims satisfaction ratings than Progressive
• Some complaints about policy rate increases over time

Progressive Reputation

• A+ rating from A.M. Best (strong financial standing)
• Higher satisfaction for pricing and discounts
• Mixed reviews on claims processing times

Key Takeaway: Allstate has better claims satisfaction, while Progressive is praised for affordability and pricing flexibility.

Final Verdict: Which One is Better?

The best insurance provider between Allstate and Progressive depends on your coverage needs, budget, and service preferences.

Choose Allstate if:

✔️ You prefer working with a local agent
✔️ You want accident forgiveness and safe driving rewards
✔️ You value better claims satisfaction and customer service

Choose Progressive if:

✔️ You want customizable pricing and usage-based discounts
✔️ You drive for Uber or Lyft and need rideshare coverage
✔️ You prefer online policy management and digital tools

Both Allstate and Progressive offer strong coverage and financial stability, but Progressive is better for cost-conscious drivers, while Allstate excels in customer service and claims handling.

Still unsure which is right for you? Contact Blake Insurance Group today for a personalized quote and expert advice!