Allstate Vs Progressive: Cheaper Auto Insurance In South Carolina?

Allstate and Progressive are two of the biggest car insurance companies in the US. Both offer a range of insurance coverage options and discounts, but which is cheaper in South Carolina?

Allstate vs Progressive: Rates by age group

When comparing Allstate and Progressive, it's important to consider their rates for different age groups, as age is a significant factor in determining car insurance premiums. Here's a detailed comparison of their rates by age group:

Teen Drivers

For teen drivers, Allstate offers more affordable rates than Progressive. According to Insurance.com, Allstate provides insurance for teenagers at an average of $7,437 per year, while Progressive's rate is $7,172 annually. This makes Progressive the cheaper option for teens, who typically face higher insurance costs due to their higher risk profile.

Young Adults

When it comes to young adult drivers, Progressive offers more competitive rates than Allstate. Progressive's rates are lower for this age group, although both insurers tend to charge higher premiums compared to the national average for young adults.

Adults

Progressive continues to offer lower rates for 35-year-old drivers. Their premiums tend to be significantly more affordable than Allstate's, especially for men in this age bracket.

Seniors

Seniors can also find better rates with Progressive. Their rates are generally lower than Allstate's, and they are slightly below the national average, making them a cost-effective option for older drivers.

Drivers with Poor Credit

Progressive is the preferred choice for drivers with poor credit histories. While both companies offer competitive rates in this category, Progressive's premiums are slightly more advantageous for those with financial challenges.

In summary, Progressive tends to offer more affordable rates across most age groups. However, Allstate stands out for teen drivers, providing more reasonable premiums for this high-risk demographic. It's important to note that insurance rates are highly personalized, and other factors such as location, driving record, and credit score also play a role in determining the final cost of auto insurance.

Allstate vs Progressive: Rates for high-risk drivers

When it comes to high-risk drivers, Progressive is generally the more affordable option. Progressive is the cheapest for drivers with a DUI/DWI first offence, with an average annual rate of $2,810, compared to Allstate's rate of $5,040 per year after a DUI/DWI offence. Progressive also offers lower rates for drivers with speeding tickets, accidents, and poor credit.

However, Allstate may be a better option for young, high-risk drivers. Allstate offers lower rates for 17-year-old drivers than Progressive. Allstate's rates for teenagers are $7,437 per year, while Progressive's are $7,172 per year.

Both Allstate and Progressive are two of the largest car insurance companies in the US and are considered to be popular insurance providers.

Allstate vs Progressive: Customer service and tech-friendly

When it comes to customer service, Allstate outperforms Progressive. In a survey, 59% of Allstate customers said they were completely satisfied with the ease of contacting customer service, compared to 56% of Progressive customers. However, both companies had similar ratings for the ease of filing a claim, with 58% of respondents giving the highest rating.

Allstate also outperforms Progressive in claims handling. About 53% of those who filed a claim with Allstate were completely satisfied with the resolution, compared to 57% for Progressive. Additionally, 49% of Allstate customers were satisfied with the updates they received during the claims process, while 54% of Progressive customers said the same.

Progressive, on the other hand, outperforms Allstate in customer loyalty. Progressive customers are more likely to stay with the company than Allstate customers, and Allstate ranks last for customer loyalty.

In terms of tech-friendly features, both Progressive and Allstate have usage-based insurance programs. Progressive offers Snapshot, while Allstate offers Drivewise and Milewise. Snapshot and Drivewise are similar in that they track driving habits like speed, acceleration, braking, and the time of day. However, Snapshot can raise your premium if unsafe driving habits are detected, while Drivewise will simply not offer a discount. Milewise differs from the other programs as it is a pay-per-mile program that only tracks the number of miles driven.

Both companies also offer mobile apps with various features such as policy management, claims filing, and bill payment. Progressive's mobile app is highly rated on both Google Play and the App Store, while Allstate's app has a 4.8-star rating on the App Store and a 4.0-star rating on Google Play.

Allstate vs Progressive: Which has better coverage options?

When it comes to coverage options, Allstate and Progressive both offer the standard coverages such as liability, comprehensive, and collision coverage. However, there are some differences in the additional coverage options provided by each company.

Allstate Coverage Options:

• Allstate offers trip interruption reimbursement through its roadside assistance membership plan, which covers food and lodging expenses if you have a breakdown or accident away from home.
• Allstate also offers separate sound system insurance, covering aftermarket audio equipment and speakers.
• Allstate has a pay-per-mile insurance program called Milewise, which benefits low-mileage drivers by basing rates on the number of miles driven.
• Allstate offers new car discounts and bonus discounts for vehicles with advanced safety features like anti-lock brakes and anti-theft devices.
• Allstate provides coverage for portable electronics and installed sound systems, as well as new car replacement for eligible vehicles.

Progressive Coverage Options:

• Progressive offers custom parts and equipment coverage, which includes aftermarket accessories like paint, rims, and special modifications.
• Progressive provides pet injury coverage of up to $1,000 for veterinary bills if your pet is injured in a car crash.
• Progressive has a ""name your price" tool that allows you to choose your desired price and find a policy within your budget.
• Progressive offers long-term loyalty discounts and discounts for homeowners, even if their homeowners' insurance is with another company.

While both companies offer a wide range of coverage options, Allstate stands out for its additional protection for new car replacement, installed sound systems, and portable electronics. Progressive, on the other hand, offers unique coverage for pet injuries and custom parts and equipment. Ultimately, the best choice between Allstate and Progressive will depend on your specific needs and the coverage options that are most important to you.

Allstate vs Progressive: Which offers better discounts?

When it comes to discounts, Progressive and Allstate both offer a solid array of options. Allstate offers more discount opportunities than Progressive, but the latter is still cheaper overall.

Allstate Discounts

Allstate offers the following discounts:

• Driver training / Defensive driving
• Passive-restraint (air bag)
• Safe driver / clean driving record / good driver
• Academic achievement (Good student)

Progressive Discounts

Progressive offers the following discounts:

• Paperless statements
• Online quotes and signing up online
• Continuous insurance
• Multi-policy (i.e. bundling home and auto)
• Reduced deductibles for safe driving
• "Usage-based" or telematics insurance to reward safer driving

While Allstate offers more discount options, Progressive is still the cheaper option overall. Progressive also offers a "name your price" tool where you can decide how much you want to pay, and then find auto insurance that fits your budget.

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