Progressive and Allstate: Which Is Better for Electric Vehicles?
Electric vehicles (EVs) are changing how people think about car insurance. Picking the right company means looking beyond basic liability or collision coverage. Progressive and Allstate both work well for EV owners, but each offers something different. This guide shows how they cover batteries, chargers, and telematics so you can choose the plan that fits your driving style.
Below, you’ll see a clear comparison of their coverage, discounts, apps, and claims process—everything that affects long-term cost and peace of mind for electric-vehicle owners.
EV Coverage: Key Points to Know
Both companies include standard protections like liability, collision, and comprehensive coverage. For EVs, you should also check:
- Battery and high-voltage systems: Covers damage, wear, or full replacement.
- Charging gear: Includes home chargers, cables, and adapters, whether at home or on trips.
- OEM parts: Pays for factory parts and calibration after repairs.
Progressive focuses on flexible add-ons and usage-based pricing with Snapshot. Allstate includes accident forgiveness and, in higher plans, new-car replacement—helpful for financed EVs.
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Bundle with home coverage if you have a Level-2 charger for extra savings.
Customer experience: Progressive uses a fast, online process with photo estimates and an EV-ready repair network. Allstate adds personal support from agents—helpful for first-time EV owners.
Both have easy-to-use mobile apps for ID cards, roadside help, and claims. Progressive’s app is faster, while Allstate’s agent system feels more personal.
Progressive vs Allstate: Quick EV Comparison
| Category | Progressive | Allstate |
|---|---|---|
| EV hardware | Battery + charger covered under collision or comprehensive | Includes charger; adds new-car and forgiveness options |
| Telematics | Snapshot rewards safe, efficient driving | Drivewise tracks and rewards safe habits |
| Service style | Digital-first with fast claims | Agent support for hands-on help |
| Main discounts | Usage-based, bundle, pay-in-full | Safe-driver, new-car, multi-policy |
Both are strong choices. Progressive fits tech-savvy drivers who like full digital control. Allstate suits those who prefer face-to-face help and broader protection perks.
Discounts for EV Owners
| Discount | Requirement | Progressive | Allstate |
|---|---|---|---|
| Telematics | Enroll and drive safely | Snapshot | Drivewise |
| Low-mileage | Below average yearly miles | Available | Available |
| Multi-policy | Auto + home or renters | Yes | Yes |
| Good payer | Auto-pay or full payment | Yes | Yes |
You can also check The General Insurance for quick online estimates. It helps compare how mileage and range affect your EV rate.
Bottom line: Progressive is best for EV drivers who prefer fast, digital service. Allstate fits those who value agent guidance and long-term extras. To compare both, get one more quote from Nationwide and view side-by-side rates in your ZIP area.
Frequently Asked Questions
1. Does Progressive offer EV discounts?
Yes. EV owners can save with usage-based pricing, low-mileage rewards, and bundle offers.
2. What does Allstate give EV owners?
Allstate offers accident forgiveness and new-car replacement for newer EVs in certain states.
3. How do I choose between them?
Compare coverage limits, try both apps, and decide if you want quick digital help or a local agent.
4. Can I manage policies online?
Yes. Both offer easy apps for ID cards, claims, roadside help, and billing.