State Farm vs. Progressive Auto Insurance in 2025

When comparing State Farm vs. Progressive auto insurance, drivers discover that both offer usage-based discounts and accident forgiveness, making them ideal for cautious and high-risk drivers.

State Farm vs. Progressive Auto Insurance Rating

State Farm operates in 47 states, excluding California, Massachusetts, and Rhode Island. Its Indemnity Company is licensed in Illinois and New Jersey, but sells auto insurance only in New Jersey. The State Farm app allows users to manage their insurance, file claims, and access roadside assistance.

Progressive Insurance operates in all 50 U.S. states and Canada, offering auto, home, and personal coverage. It’s a free app that lets users manage policies, pay bills, and file claims. Uncover expert tips to qualify for the cheapest car insurance available.

Compare State Farm vs Progressive auto insurance rates and coverage options by entering your ZIP code into our free quote comparison tool today.

How State Farm and Progressive Auto Insurance Rates Compare

When you look at rates by age and gender, several clear patterns emerge. Teen drivers pay the highest rates, with 16-year-old males insured by Progressive spending the most.

State Farm vs. Progressive Auto Insurance Monthly Rates

State Farm usually gives cheaper premiums for all groups. The rates go down a lot by the time you reach 60 years old, with prices being almost the same for men and women. The gap between the two insurers narrows as drivers mature.

See how market dominance is reflected in actual numbers. State Farm is number one with 18.30% of the auto insurance market, just ahead of Progressive, which has 15.30%.

The remaining 66.40% is divided among other providers. This difference shows how State Farm has a significant influence nationwide, while Progressive remains strong as a digital-first competitor.

State Farm vs. Progressive Auto Insurance Monthly Rates by Driving Record

Look at how your history affects what you pay. For State Farm, if you have a clean record, the cost is $123; for Progressive, it is $150. If you’re in an accident that’s not your fault, Progressive’s price increases to $265. But State Farm keeps it at $146. If you drive too fast or drink and drive (DUI), prices increase for both companies, but State Farm always gives better rates in these cases.

Read more: What to Do If You Can’t Afford Your Auto Insurance

Looking at the auto insurance rates offered by Progressive and State Farm across different states, it is easy to see that the price difference between these major insurance companies can vary significantly based on location. In Alabama, for example, State Farm’s monthly rate is $154, while Progressive charges $163 per month. This shows that in Alabama, State Farm has a slight cost advantage.

State Farm vs. Progressive Auto Insurance Monthly Rates by State

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.

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.

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 is slightly smaller; State Farm charges $334, compared to Progressive’s $177.

State Farm vs. Progressive Auto Insurance Monthly Rates by Credit Score

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 highlight Progressive’s more consumer-friendly pricing and ability to offer coverage to drivers with all credit scores, which could help cost-conscious drivers save money on car insurance while still seeking full coverage.

State Farm vs. Progressive: Customer Reviews and Ratings

Check how State Farm and Progressive auto insurance rank in reviews. People rate State Farm higher in J.D. Power satisfaction and have fewer complaints.

State Farm vs. Progressive Insurance Business Ratings & Consumer Reviews

Both companies get an A+ or above for financial strength, but State Farm does slightly better in customer reviews. Progressive trails slightly in service, though it still performs solidly in business practices and reliability.

According to the National Association of Insurance Commissioners (NAIC), State Farm has fewer customer complaints than average, while Progressive has an average complaint ratio.

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.

State Farm vs. Progressive: Auto Insurance Discounts

Comparing State Farm and Progressive discounts reveals the advantages and disadvantages of each insurer. State Farm and Progressive offer an extensive list of discounts for multi-policy, multi-vehicle, safe driver, good student, and defensive driving, indicating that they target a wide range of customers seeking ways to save on auto insurance.

State Farm vs. Progressive Auto Insurance Discount Savings Compared

State Farm does not offer a pay-in-full discount, unlike Progressive among all providers, which could be appealing to customers who can pay their premium upfront and want to save on their bill. Conversely, State Farm does not offer a paperless discount, unlike Progressive, which appeals to environmentally conscious consumers who prefer electronic transactions and documentation.

This comparison shows that while both companies offer robust car insurance discounts, factors like pay-in-full versus paperless options may convince customers to choose one over the other, depending on their individual situations.

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.

Going back to Progressive byu/EntertainerNo9781 inUSAA

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.
• 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 may perceive the initial down payment required to start a policy as being rather large, which can deter some from switching or adopting 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.

How State Farm vs. Progressive Auto Insurance Stack Up

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. It also offers newer tools, such as its Snapshot program, which allows 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. Unlock better coverage with Progressive vs. State Farm insurance by entering your ZIP code today.