State Farm vs. Progressive Auto Insurance in 2025 (Head-to-Head Review)
State Farm vs. Progressive auto insurance shows monthly rates starting at $33 and $39. State Farm excels with accident forgiveness and safe driver discounts, while Progressive offers multi-policy savings and Snapshot for personalized rates. Both companies provide firm coverage for different driver needs.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Mar 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Mar 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
18,154 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
13,283 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsState Farm vs. Progressive auto insurance comes down to how you prioritize cost, coverage, and service. State Farm typically offers cheaper monthly rates, especially for good drivers, while Progressive stands out for high-risk drivers and its Snapshot discount program.
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.4 | 4.4 |
| Business Reviews | 5.0 | 4.0 |
| Claim Processing | 4.3 | 3.5 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.2 | 4.2 |
| Customer Satisfaction | 4.1 | 4.1 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.0 | 4.4 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 3.8 | 5.0 |
| Savings Potential | 4.3 | 4.5 |
| State Farm | Progressive |
Both offer similar coverage types, but Progressive leans more tech-driven, and State Farm has stronger agent support. We break down rates by age, driving record, and coverage level so you can see exactly which fits your situation.
- State Farm offers a $33 per month policy with accident forgiveness discounts
- Progressive starts at $39 per month, featuring Snapshot for a personalized rate
- Both insurers offer multi-policy discounts and broad coverage for drivers
Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
State Farm vs. Progressive Car Insurance Rates by Age & Gender
State Farm is the cheaper option when comparing Progressive vs. State Farm auto insurance by age and gender. State Farm charges a 16-year-old female driver about $311; Progressive charges $801. A young male (30) sees $103 from State Farm and $136 from Progressive Insurance. The price gap is clear for all age groups.
State Farm vs. Progressive Full Coverage Auto Insurance Monthly Rates by Age & Gender| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $311 | $801 |
| Age: 16 Male | $349 | $814 |
| Age: 30 Female | $94 | $131 |
| Age: 30 Male | $103 | $136 |
| Age: 45 Female | $87 | $112 |
| Age: 45 Male | $86 | $105 |
| Age: 60 Female | $75 | $92 |
| Age: 60 Male | $76 | $95 |
That disparity highlights just how cheap State Farm is, particularly for young drivers, who typically pay higher premiums. Similarly, the competition between the two companies is strengthened through market share. State Farm, clearly, is at 17.5% of the market, compared to Progressive at 15.3%.
These figures show that although both companies are key players in the auto insurance market, State Farm’s charter pricing may be one of the reasons why their market share is larger.A visual guide to auto insurance shows how State Farm competes not only with Progressive but also with other providers that collectively hold 67.2% of the market.
State Farm vs. Progressive Car Insurance Rates by State
Analyzing the auto insurance rates provided for Progressive and State Farm across a range of states, it is clear that the difference in cost between these two giants of the insurance world can differ widely depending on the area. State Farm’s monthly rate is $154 in Alabama, while Progressive costs $163, indicating a small edge to State Farm.
State Farm vs. Progressive Full Coverage Auto Insurance Monthly Rates by State| State | | |
|---|---|---|
| Alabama | $154 | $163 |
| Alaska | $117 | $125 |
| Arizona | $158 | $167 |
| Arkansas | $156 | $164 |
| California | $179 | $154 |
| Colorado | $192 | $200 |
| Connecticut | $142 | $150 |
| Delaware | $167 | $175 |
| Florida | $177 | $225 |
| Georgia | $163 | $171 |
| Hawaii | $125 | $133 |
| Idaho | $117 | $125 |
| Illinois | $125 | $133 |
| Indiana | $125 | $133 |
| Iowa | $133 | $142 |
| Kansas | $158 | $167 |
| Kentucky | $183 | $192 |
| Louisiana | $233 | $242 |
| Maine | $98 | $106 |
| Maryland | $142 | $150 |
| Massachusetts | $142 | $150 |
| Michigan | $183 | $192 |
| Minnesota | $158 | $167 |
| Mississippi | $167 | $175 |
| Missouri | $163 | $171 |
| Montana | $175 | $183 |
| Nebraska | $158 | $167 |
| Nevada | $167 | $175 |
| New Hampshire | $104 | $113 |
| New Jersey | $158 | $167 |
| New Mexico | $167 | $175 |
| New York | $154 | $163 |
| North Carolina | $142 | $150 |
| North Dakota | $138 | $146 |
| Ohio | $117 | $125 |
| Oklahoma | $175 | $183 |
| Oregon | $138 | $146 |
| Pennsylvania | $154 | $163 |
| Rhode Island | $167 | $175 |
| South Carolina | $167 | $175 |
| South Dakota | $183 | $192 |
| Tennessee | $138 | $146 |
| Texas | $167 | $175 |
| Utah | $150 | $158 |
| Vermont | $108 | $117 |
| Virginia | $121 | $129 |
| Washington | $133 | $142 |
| Washington, D.C. | $179 | $188 |
| West Virginia | $167 | $175 |
| Wisconsin | $138 | $146 |
| Wyoming | $146 | $154 |
As a result, tables turn in states like Colorado, where Progressive comes in at $200 compared to State Farm’s $192. The details of this pattern of competing advantages are covered in our car insurance prices by state analysis, highlighting the competitive nature of pricing strategies between the two companies.
When choosing auto insurance, look beyond premiums and compare discounts like Progressive's pay-in-full option to reduce costs while matching your coverage needs.
Michelle Robbins Licensed Insurance Agent
Generally, Progressive tends to be slightly more expensive in states like Florida and Alaska, whereas State Farm car insurance shows a cost benefit in states like Connecticut and Delaware. Such disparities suggest that consumers should consider regional pricing as a significant factor when comparing these insurers, especially when considering the best time to buy a new car.
How Credit Score Impacts Rates With State Farm and Progressive
State Farm and Progressive have noteworthy discrepancies in monthly auto insurance rates based on credit metrics. State Farm had the highest rate at $269 for those with good credit, compared with Progressive’s $142. For those with fair credit, the difference shrinks a bit; State Farm charges $334 to Progressive’s $177.
State Farm vs. Progressive: Full Coverage Insurance Monthly Rates by Credit Score| Credit Score | | |
|---|---|---|
| Good Credit | $269 | $142 |
| Fair Credit | $334 | $177 |
| Poor Credit | $471 | $300 |
For those with bad credit, the gap widens more; State Farm’s rate increases to $471, while Progressive’s rate is lower at $300. Still, these figures underscore Progressive’s more consumer-friendly pricing and ability to afford all credit scores, which could assist cost-conscious drivers in saving more money on car insurance while seeking full coverage.
Enter your zip code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Comparing Rates by Driving Record: State Farm vs. Progressive
While State Farm and Progressive have different prices depending on their driving records. State Farm readily has lower rates for all categories, with lower premiums for all drivers (clean driving record), drivers with accidents, drivers with speeding tickets, and even drivers with DUI/DWI.
State Farm vs. Progressive Full Coverage Auto Insurance Monthly Rates by Driving Record| Driving Record | | |
|---|---|---|
| Clean Record | $86 | $105 |
| Not-At-Fault Accident | $102 | $186 |
| Speeding Ticket | $96 | $140 |
| DUI/DWI | $112 | $140 |
For instance, a clean driving record fetches a monthly rate of $86 with State Farm compared to Progressive’s $105. The gap widens with more severe infractions; after a not-at-fault accident, State Farm charges $102, while Progressive jumps to $186.
This trend indicates that State Farm’s pricing model could potentially be more lenient towards individuals with fewer offenses or those who have a clean record, making it a more budget-friendly option for drivers who are careful or attempting to improve their driving habits, highlighting people got auto insurance right by choosing wisely based on their driving history.
State Farm vs. Progressive: Battle of the Auto Insurance Discounts
Comparing the State Farm & Progressive discounts reveals the advantages and disadvantages of either insurer. State Farm and Progressive offer an extensive list of multi-policy, multi-vehicle, safe driver, good student, and defensive driving discounts, demonstrating that they are targeting a wide cross-section of customers looking for ways to save money on auto insurance.
State Farm vs. Progressive Auto Insurance Discounts| Discount | | |
|---|---|---|
| Accident-Free | 17% | 10% |
| Anti-Theft Device | 15% | 25% |
| Bundling | 17% | 10% |
| Defensive Driving | 15% | 31% |
| Distant Student | 15% | 15% |
| Drive Safe & Save™ Program | 20% | 10% |
| Good Student | 35% | 10% |
| Homeowner | 10% | 10% |
| Low Mileage | 30% | 30% |
| Multi-Vehicle | 20% | 12% |
| Paperless | 3% | 4% |
| Pay-in-Full | 15% | 15% |
| Safe Driver | 20% | 10% |
| Usage-Based (Snapshot®) | 30% | $231/yr |
| Vehicle Safety Features | 20% | 15% |
State Farm does not offer a pay-in-full discount like Progressive between all providers, which could be appealing to customers that are able to pay their premium up-front and want to save on the bill. Conversely, State Farm does not offer a paperless discount, which Progressive does, appealing to environmentally conscious consumers who prefer electronic transactions and documentation.
After switching to Progressive, I used Snapshot and improved my driving, which cut my premiums by 12% in six months. Safe habits really do pay off.
Daniel S. Young Insurance Content Managing Editor
This comparison shows that while both companies offer robust car insurance discounts, things like pay-in-full versus paperless options might convince customers to use them, given their individual situations.
Comparative Analysis of State Farm and Progressive: Ratings & Reviews
The insurance ratings and consumer reviews chart provides a comprehensive look at how State Farm and Progressive stack up against each other across several rating agencies. State Farm enjoys a higher customer satisfaction score from J.D. Power at 877 out of 1,000, indicating above-average client contentment, whereas Progressive trails slightly with a score of 832.
Insurance Business Ratings & Consumer Reviews: State Farm vs. Progressive| Agency | | |
|---|---|---|
 | Score: 710 / 1,000 Above Avg. Satisfaction | Score: 672 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 75/100 Positive Customer Feedback | Score: 72/100 Avg. Customer Feedback |
 | Score: 0.78 Fewer Complaints Than Avg. | Score: 1.11 Avg. Complaints |
 | Score: A++ Superior Financial Strength | Score: A+ Superior Financial Strength |
However, in terms of Better Business Bureau (BBB) ratings, State Farm is marked lower at C-, suggesting below-average business practices, while Progressive shines with an A+ rating, reflecting excellent standards in business operations. Consumer Reports shows both companies with similar customer feedback scores, though State Farm edges out slightly.
According to the National Association of Insurance Commissioners (NAIC), State Farm has fewer customer complaints than average, while Progressive has a higher-than-average complaint ratio. Finally, AM Best awards Progressive an excellent A+ for financial strength, signifying a solid financial basis compared to State Farm’s adequate rating of B.
This array of ratings underscores the nuanced choices consumers face, highlighting how to compare auto insurance companies by thoughtfully weighing customer service satisfaction, ethical business practices, and financial stability when choosing an insurer.
Enter your zip code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Pros and Cons of Progressive Auto Insurance
Progressive auto insurance offers strong digital tools and many discount opportunities, though it does have downsides. Here’s a look at some of the major pros and cons based on customer experiences.
Pros
- Responsive Customer Service: Progressive has a reputation for keeping customers informed about used claim statuses, and not every competitor has been as responsive.
- Innovative Competitors: Progressive provides specific tools that customize the customer experience by using real-life driving habits to adjust rates, like the Name Your Price tool and Snapshot.
- Comprehensive Discount Options: Progressive offers several types of discounts, such as multi-policy discounts, safe driver discounts, and automatic payment rewards, which can bring premiums down significantly for eligible policyholders.
Cons
- Variability in Agent Experience: Progressive, for the most part, does a good job, but a lot depends on the people you actually deal with and whether or not you’re getting the same story from representatives if you call.
- Pricing Fluctuations: Some customers have reported unexpected rate increases, which can be frustrating and may necessitate more frequent shopping around to ensure competitive pricing.
The Reddit user highlights their positive experience at Progressive, noting particularly the superior customer service and regular updates they received from Progressive regarding claim status.
This underscores Progressive’s strength in customer relations and everything you need to know about Progressive insurance. Their intention to revert to Progressive demonstrates the power of responsive and caring service on customer loyalty and satisfaction.
Pros and Cons of State Farm Auto Insurance
State Farm auto insurance offers a mix of benefits and challenges for drivers, especially those with complex driving histories. Here’s a closer look at what it provides and some potential drawbacks to consider.
Pros
- Competitive Pricing for High-Risk Drivers: State Farm offers relatively lower rates for drivers with a challenging driving history, which can be significantly more affordable compared to other insurers that may quote much higher prices for full coverage.
- Customizable Coverage Options: Our extensive product offerings provide customers with the flexibility to customize their insurance plan further by choosing either full coverage or only liability as needed.
- Reputation for Stability: With a history of strong financial ratings, State Farm is a company you can trust to pay claims and compensate policyholders.
Cons
- Mixed Customer Service Reviews: Customers report satisfactory interactions and an efficient claims process. Others indicate their experiences with customer service have been wanting, particularly in keeping customers informed throughout the claims process.
- Higher Down Payments: Customers can perceive the first down payment to start a policy to be rather large in amount, which can retain some customers from switching or from getting a new insurance type.
This Reddit user’s review of State Farm mentions mixed quality-based customer reception towards the services with an emphasis on the lowness of fee pricing for a driver with a bad driving history, as well as the non-quality-based complaints against customer service.
State Farm is the only car insurance that has given me a fair quote. Everyone else said heck no! Yet I hear state farm is TERRIBLE. Is the service worth the low rate? byu/Susano-o_no_Mikoto inInsurance
This reflects the varied experiences individuals may have with State Farm Insurance, suggesting that while it may offer financial benefits for some, the service aspect could be inconsistent, something often discussed in Allstate vs. State Farm comparisons.
Choosing Between State Farm and Progressive Auto Insurance
When comparing State Farm and Progressive auto insurance, your choice largely hinges on what matters most to you. If you prefer direct access and personalized services, State Farm’s network of agents offers a more localized touch.
Progressive, on the other hand, appeals to drivers who prefer to manage their insurance online, and it certainly has newer tools, such as its Snapshot program, that allow the company to adjust rates based on driving habits. Both insurers offer robust coverage options, but how to compare auto insurance companies might ultimately hinge on whether you prefer the hands-on assistance of an agent or the convenience of digital management.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool.
Enter your zip code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Is State Farm better or Progressive for car insurance overall?
State Farm tends to score higher in customer satisfaction, especially for claims handling and local agent support, while Progressive often wins on price and tech features. For example, State Farm customers pay around $96 per month on average, while Progressive averages $109 per month.
Where does State Farm rank among auto insurance companies?
State Farm consistently ranks in the top three U.S. auto insurers by market share and customer satisfaction. It’s the largest car insurer in the country, holding over 16% of the market.
Is Progressive better than State Farm for homeowners insurance bundling?
Progressive’s home insurance is underwritten by third-party home insurance companies, while State Farm underwrites its own. This makes State Farm more consistent in bundling, often leading to more seamless claims and discounts averaging 17% for bundling.
Does Progressive raise car insurance rates after 6 months?
Yes, Progressive policies have a typical six-month term, and rates may increase at renewal. Rate hikes are often tied to changes in driving history, location, or Progressive’s loss trends, even if you haven’t filed a claim.
Is State Farm good at paying claims?
State Farm receives high marks for claims satisfaction. In J.D. Power’s latest study, it scored above the industry average for claim resolution time, clarity of the process, and customer communication.
What are the key differences between State Farm and Progressive auto insurance?
State Farm offers a traditional agent-based approach, while Progressive operates more digitally, allowing customers to manage policies online. Progressive also offers usage-based car insurance through Snapshot, while State Farm provides discounts through its Drive Safe & Save program. Coverage options are similar, but Progressive is often more flexible with high-risk drivers.
Does State Farm have high car insurance rates?
State Farm’s rates are generally competitive. On average, drivers pay $96 per month for full coverage with State Farm, which is lower than the national average of $140 and cheaper than many competitors, including Progressive.
Why is State Farm so expensive for some drivers?
State Farm rates can appear high for drivers with DUIs, poor credit, or new drivers with no history. It also doesn’t offer as many deep discounts as Progressive for low-mileage or usage-based programs.
Is Progressive cheaper than State Farm for auto insurance?
Progressive cheapest car insurance for drivers with a DUI—$140 per month vs. $216 with State Farm, making it one of the cheapest car insurance options for high-risk drivers. For a clean record, State Farm is cheaper at $86, while Progressive charges $105. After a not-at-fault accident, State Farm still wins at $102 vs. Progressive’s $186. State Farm is better for clean records; Progressive is better for high-risk drivers.
Is Progressive or State Farm cheaper for young drivers?
Progressive is often cheaper for young drivers under 25, with average rates starting around $148 per month, compared to State Farm’s $172. Progressive’s Snapshot program can further lower rates based on safe driving.
How does State Farm vs. Geico compare in terms of cost and coverage?
State Farm is typically slightly cheaper than Geico for drivers with clean records, but lacks Geico’s wide range of digital tools. Geico averages $104 per month, while State Farm averages $96. Both offer strong liability and full coverage options.
How does Progressive customer service handle claims and policy questions?
Progressive’s customer service is available 24/7 via phone, live chat, and the mobile app, providing guidance on how to file an auto insurance claim with ease. Their claims process is fully digital, allowing policyholders to file claims, track status updates, and receive payouts through their website or app. Many users find Progressive’s automated system efficient, though some prefer more personalized agent support.
How does Reddit compare State Farm vs. Progressive?
According to Reddit threads, users praise State Farm for personal agent support and claims service, while Progressive earns points for flexible pricing and easy-to-use online tools. Reviews vary by region and claim experience.
How does State Farm vs. Progressive vs. Geico stack up overall?
State Farm wins for customer service and bundling options. Geico is best for tech-savvy drivers and low rates. Progressive offers the most discount flexibility and reasonable rates for high-risk drivers. Monthly averages: State Farm $96, Geico $104, Progressive $109.
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
What payment methods are available to pay a bill with State Farm?
State Farm allows customers to pay their bills online, via their mobile app, through automatic bank drafts, by phone, or by mailing a check, incorporating tips to pay less for car insurance, such as offering payment plans and automatic deductions to make managing premiums more convenient.
Enter your zip code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
