How to Choose Between Allstate and Progressive
The best insurer for you depends on your specific situation. Rates are personalized based on your vehicle, driving history, ZIP code within Virginia, and coverage needs. The only reliable way to know which carrier is cheaper for you is to compare actual quotes — rate differences of $50–$100/month are common for the same driver profile.
Virginia-Specific Considerations
Both Allstate and Progressive are licensed to operate in Virginia and must comply with state coverage requirements. Virginia's minimum liability limits ($30,000/$60,000 bodily injury + $20,000 property damage) plus mandatory uninsured motorist coverage apply to both carriers. Approximately 11% of Virginia drivers are uninsured (Insurance Research Council 2023), making UM/UIM coverage especially important.
Frequently Asked Questions
Is Allstate cheaper than Progressive in Virginia?
In Virginia, Allstate averages $118/month for full coverage while Progressive averages $108/month. Progressive offers lower average rates in Virginia, but Allstate's accident forgiveness and new car replacement make it compelling if you recently purchased a vehicle or want more peace of mind after a first accident.
Which has better customer service in Virginia?
Both carriers receive strong marks. Allstate is particularly known for new car replacement coverage. Progressive excels at lower base rates for most drivers. J.D. Power's most recent Auto Insurance Study ranks both carriers above average for the Southeast region.
Which is better for Virginia minimum coverage?
For Virginia state minimums ($30,000/$60,000/$20,000 plus UM/UIM), Progressive typically offers lower base rates. However, your actual rate depends on your ZIP code, age, and driving record — compare quotes to confirm.
Can I get an SR-22 from Allstate or Progressive?
Both Allstate and Progressive file SR-22 certificates with the Virginia DMV. If you need SR-22 coverage due to a DUI, reckless driving, or driving uninsured, expect significantly higher premiums — typically $120–$200/month in Virginia.
How do I get the lowest rate from Allstate or Progressive?
Compare both carriers simultaneously through 804Insurance. Additionally: bundle your auto and home policies (saves ~$247/year), maintain a clean driving record, raise your deductible, and ask about telematics discounts (Snapshot® from Progressive, DriveEasy® from GEICO) which can save up to 30%.
Which is better for Virginia military families?
For Virginia military families, USAA generally offers the lowest rates ($85/month average) and best-in-class service. If you're not USAA-eligible, GEICO offers strong military discounts. Both Allstate and Progressive offer military discounts — ask specifically when getting your quote.
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Rates last updated: May 2026. Rates shown are Virginia statewide averages based on a 35-year-old driver with a clean record driving a 2022 sedan. Individual rates vary by ZIP code, driving history, and vehicle. See our rate methodology.