Progressive vs AllstateCar insurance compared

Compared: Personal auto policy vs Personal auto policyDocuments checked: November 12, 2026

Short answer

As of November 12, 2026, from Select Your Cover's read of both insurers' documents:

Progressive comes out ahead on more of the points we compared (2 of 2), but the right choice depends on you and the price you're quoted. Progressive is stronger on accident forgiveness, shrinking deductible; Allstate on no single point.

8.2

Good

How we score

Personal auto policy

1.2on Trustpilot · 2,046 reviews

Visit Progressive ↗

Allstate

8.1

Good

How we score

Personal auto policy

1.3on Trustpilot · 1,164 reviews

Visit Allstate ↗

Head to head

Accident forgiveness

Progressive

Progressive: Earned free vs Optional add-on

Shrinking deductible

Progressive

Progressive: Down to $0 vs Up to $500 off

Side by side

Pick what matters to you and see which of the two fits. Tap any value to read the exact wording.

What matters to you?

Pick any. Those rows move to the top and we show who leads on them.

Progressive

Personal auto policy

Allstate

Personal auto policy

Accident forgiveness

Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.

Earned freeEarned freesmall claims from day 1, large after 5 years

Optional add-on

New car replacement

If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.

Not stated

Cars up to 2 model years oldmay no longer be sold

Gap or loan payoff

Pays what you still owe on a loan or lease when that's more than the car is worth.

Up to 25% of valueloan/lease payoff

Not stated

Shrinking deductible

Your deductible drops for every claim-free year or six months.

Biggest dropDown to $0$50 every 6 claim-free months

Up to $500 off

Rental car

Pays for a rental while your car is repaired after a covered claim.

Optionalfrom $70 a day

Optionallimits you choose

Roadside and towing

Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.

OfferedSources differ

Up to 100 mileson the top plan

Rideshare drivers

Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.

App on + after pickupfills the deductible gap

Safe-driving discount

An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.

Snapshotno maximum discount stated

Drivewiseno maximum discount stated

AM Best rating

AM Best grades an insurer's ability to pay claims. A++ is the top grade.

A+Superior

Not stated

Progressive

Personal auto policy

Allstate

Personal auto policy

Accident forgiveness

Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.

ProgressiveEarned freeEarned freesmall claims from day 1, large after 5 years

AllstateOptional add-on

New car replacement

If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.

ProgressiveNot stated

AllstateCars up to 2 model years oldmay no longer be sold

Gap or loan payoff

Pays what you still owe on a loan or lease when that's more than the car is worth.

ProgressiveUp to 25% of valueloan/lease payoff

AllstateNot stated

Shrinking deductible

Your deductible drops for every claim-free year or six months.

ProgressiveBiggest dropDown to $0$50 every 6 claim-free months

AllstateUp to $500 off

Rental car

Pays for a rental while your car is repaired after a covered claim.

ProgressiveOptionalfrom $70 a day

AllstateOptionallimits you choose

Roadside and towing

Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.

ProgressiveOfferedSources differ

AllstateUp to 100 mileson the top plan

Rideshare drivers

Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.

ProgressiveApp on + after pickupfills the deductible gap

AllstateApp on + after pickupfills the deductible gap

Safe-driving discount

An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.

ProgressiveSnapshotno maximum discount stated

AllstateDrivewiseno maximum discount stated

AM Best rating

AM Best grades an insurer's ability to pay claims. A++ is the top grade.

ProgressiveA+Superior

AllstateNot stated

Choose Progressive if…

✓ Progressive: Earned free vs Optional add-on
✓ Progressive: Down to $0 vs Up to $500 off

Choose Allstate if…

Its price for you comes in lower. Get quotes from both.

Compare all 9 car insurance insurers →

Common questions

Is Progressive better than Allstate?

Progressive vs Allstate: accident forgiveness?

Progressive: Earned free vs Optional add-on.

Progressive vs Allstate: shrinking deductible?

Progressive: Down to $0 vs Up to $500 off.

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Compares documents downloaded on 2026-11-12. Terms vary by state, and prices depend on you. Not insurance advice, and we are not an insurance agent.