State Farm vs. Progressive Auto Insurance in 2025 (Head-to-Head Review)
State Farm vs. Progressive auto insurance compares directly with rates 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.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: Mar 26, 2025
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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.
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18,154 reviewsCompany Facts
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18,154 reviews
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Pros & Cons
13,283 reviewsState Farm vs. Progressive auto insurance compares their distinctive coverage options and customer options in further detail.
State Farm is renowned for its comprehensive local agent network that offers personalized customer service and tailored policy adjustments. Progressive crunches data through its devices on the road, appealing to people who want to control their policies through mobile devices while offering services such as the Snapshot program that tracks driving behavior to adjust rates.
State Farm vs. Progressive Auto Insurance Rating| 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 |
Explore each insurer’s details on factors such as accident forgiveness, claims processing, and discount qualifications to help consumers choose wisely.
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- State Farm offers a $33/mo with accident forgiveness and safe driver discounts
- Progressive starts at $39/mo, featuring Snapshot for a personalized rate
- Both insurers offer multi-policy discounts and broad coverage for drivers
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How State Farm Rates Compare to Progressive Across Different Demographics
When comparing auto insurance rates between Progressive vs. State Farm based on age and gender, it’s evident that State Farm generally offers more competitive pricing across all demographics. For example, a 16-year-old female would pay $311 with State Farm versus $801 with Progressive, and a 30-year-old male would see rates of $103 with State Farm as opposed to $136 with Progressive.
| 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 |
This disparity emphasizes how affordable State Farm is, especially for younger drivers who often have higher premiums. Market share data also reinforces the competition between the two companies. State Farm is definitely on top at 17.5% of the market, versus Progressive at 15.3%.
This indicates that while both companies are major players in the auto insurance industry, State Farm’s more attractive pricing could be a contributing factor to its more significant market share. 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.
Comparative Guide to Progressive vs. State Farm 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, consider not just the premiums but also the type of discounts offered, like Progressive's pay-in-full discount, to significantly lower your overall costs while ensuring you have the coverage that matches your specific driving habits and risks.
Michelle Robbins Licensed Insurance Agent
Generally, Progressive tends to be slightly more expensive in states like Florida and Alaska, whereas State Farm 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 the best time to buy a new car is.
How Your Credit Score Affects Your Auto Insurance Premiums 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.
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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 their Snapshot tool and adjusted my driving habits, which significantly reduced my premiums by 12% in just six months, proving that safe driving habits can indeed lower your insurance costs.
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.
How Driving Records Influence Insurance Costs at 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.
Comparative Analysis of State Farm and Progressive: Ratings Across Key Agencies
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 show 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.
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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 back 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.
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.
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Frequently Asked Questions
How does State Farm vs Progressive car insurance compare in terms of coverage and pricing?
State Farm and Progressive both offer full coverage, liability, and various discounts, but their pricing models differ. State Farm’s policies tend to be slightly more expensive but provide a more personalized experience through local agents. Progressive is often cheaper for tech-savvy customers who take advantage of online tools like the “Name Your Price” tool.
Is State Farm better than Progressive for customer service and claims?
State Farm has a strong reputation for customer service due to its network of local agents who provide in-person assistance. Progressive relies more on online tools and call center support, which can be convenient but less personal. If you prefer one-on-one service, State Farm might be better, while Progressive suits those who like digital management.
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.
What are the options for reaching Progressive Insurance customer service?
Progressive offers multiple ways to contact customer service, including their toll-free number, live chat on their website, and support through the Progressive mobile app. Customers can also file claims or adjust policies online. Unlike State Farm, Progressive does not have a network of local agents.
How does the Name Your Price Tool from Progressive help customers save on insurance?
Progressive’s Name Your Price tool allows customers to input their budget, and the system then provides coverage options that fit within that price range. This tool helps drivers find affordable policies by adjusting coverage limits and deductibles rather than requiring them to select a preset plan.
Is Progressive cheaper than State Farm for auto insurance?
Progressive tends to be cheaper for younger drivers, those with accidents or violations, and customers who use the Snapshot program to lower their rates, offering some of the cheapest car insurance options for these groups. State Farm is more affordable for long-term customers with clean records who bundle multiple policies. The actual cost depends on factors like driving history, location, and credit score.
How can I use Progressive Find Quote to compare auto insurance rates?
The Progressive Find Quote feature lets users compare Progressive’s rates with competitors by entering their vehicle and driving information. It provides a side-by-side breakdown of coverage options, helping customers see where they might save by choosing Progressive over another insurer.
How do I get an online quote for Progressive auto insurance?
To get an online quote from Progressive, visit their website, enter your ZIP code, and fill out details about your car, driving history, and coverage preferences. The system provides instant pricing options, and you can adjust coverage levels before finalizing your policy.
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 do Progressive and State Farm compare in terms of customer service?
State Farm provides direct customer support through its local agent network, making it ideal for people who prefer in-person assistance. Progressive offers more digital services, including a mobile app and online claims tracking. Customers who prefer self-service and tech-friendly features may find Progressive more convenient.
How do the rates of State Farm compare to Progressive for different driver profiles?
State Farm offers lower rates for drivers with clean records and those who bundle multiple policies, while Progressive is often more affordable for drivers with tickets, accidents, or a history of insurance lapses. Progressive’s Snapshot program can also lower rates for safe drivers who opt into telematics-based pricing.
What does Progressive auto liability coverage include?
Progressive’s auto liability coverage includes bodily injury and property damage protection, which is essential for covering medical expenses and repair costs if you’re found at fault in an accident. It can also be crucial in traffic collision reconstruction cases. The minimum required coverage varies by state, but Progressive allows customers to increase limits for added protection.
How can I get an insurance estimate from State Farm?
You can get an insurance estimate from State Farm by visiting their website, calling a local agent, or using their mobile app. The estimated factors are your driving history, location, and coverage needs, and State Farm provides personalized quotes based on agent consultations.
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
What’s the best way to get an insurance quote from State Farm?
The best way to get a quote from State Farm is by contacting a local agent who can tailor coverage to your specific needs. Alternatively, you can get an online quote through their website by entering your details and selecting coverage options.
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.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
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.
