State Farm vs. Progressive Auto Insurance in 2025 (Head-to-Head Review)
Compare the State Farm and Progressive auto insurance, with rates of $43 for safe drivers through State Farm and $50 for high-risk drivers through Progressive. This State Farm vs. Progressive auto insurance review highlights usage-based options like Drive Safe & Save and Snapshot to reward good driving.
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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: Apr 30, 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: Apr 30, 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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A.M. Best
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Pros & Cons
18,154 reviews
13,283 reviewsCompany Facts
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A.M. Best
Complaint Level
Pros & Cons
13,283 reviewsWhen 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.
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.3 | 4.3 |
| 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 | 4.3 | 4.2 |
| Customer Satisfaction | 2.1 | 2.1 |
| 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 | 4.4 | 4.6 |
| State Farm Review | Progressive Review |
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. Its free app lets users manage policies, pay bills, and file claims. Uncover expert tips to qualify for the cheapest car insurance available.
- State Farm vs. Progressive auto insurance offers distinct perks
- Progressive uses AI to adjust rates in real-time for Snapshot users
- State Farm tracks driving through Bluetooth beacons for discounts
Compare State Farm vs Progressive auto insurance rates and coverage options by entering your ZIP code into our free quote comparison tool today.
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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| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $177 | $440 |
| 16-Year-Old Male | $208 | $467 |
| 30-Year-Old Female | $51 | $69 |
| 30-Year-Old Male | $56 | $72 |
| 45-Year-Old Female | $47 | $59 |
| 45-Year-Old Male | $47 | $56 |
| 60-Year-Old Female | $43 | $50 |
| 60-Year-Old Male | $43 | $52 |
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| Driving Record | | |
|---|---|---|
| Clean Record | $123 | $150 |
| Not-At-Fault Accident | $146 | $265 |
| Speeding Ticket | $137 | $199 |
| DUI/DWI | $160 | $200 |
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| 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.
Rate gaps shift by region for State Farm and Progressive. For instance, Delaware drivers often find State Farm slightly more affordable.
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.
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| 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 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| Agency | | |
|---|---|---|
 | Score: 710 / 1,000 Avg. Satisfaction | Score: 672 / 1,000 Below 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: 0.84 Fewer Complaints Than Avg. | Score: 1.11 Avg. Complaints |
 | Score: A++ Superior Financial Strength | Score: A+ Superior Financial Strength |
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| Discount | | |
|---|---|---|
| Accident-Free | 20% | 31% |
| Anti-Theft | 15% | 10% |
| Bundling | 25% | 12% |
| Defensive Driving | 15% | 10% |
| Distant Student | 25% | 10% |
| Drive Safe & Save™ Program | 30% | 30% |
| Good Student | 25% | 10% |
| Homeowner | 5% | 10% |
| Low Mileage | 30% | 15% |
| Multi-Vehicle | 20% | 12% |
| Safe Driver | 30% | 30% |
| Usage-Based (Snapshot®) | 30% | 30% |
| Vehicle Safety Features | 40% | 10% |
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.
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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 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 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.
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.
Choosing State Farm or Progressive depends on your habits. For example, Snapshot fits tech-savvy, high-risk drivers seeking lower rates.
Daniel S. Young Insurance Content Managing Editor
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.
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Frequently Asked Questions
Is State Farm better than 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.
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 bundling home insurance?
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 in claim resolution time, process clarity, 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 its Snapshot program, 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 a DUI, poor credit, or those who are new drivers with no driving history. It also doesn’t offer as many deep discounts as Progressive for low-mileage or usage-based programs.
What payment methods are available to pay a bill with State Farm?
State Farm allows customers to pay their bills online, through their mobile app, by automatic bank draft, by phone, or by mailing a check. The company also offers tips to pay less for car insurance, including payment plans and automatic deductions, to make managing premiums more convenient.
Is State Farm cheaper than Progressive for auto insurance?
Yes, State Farm is generally cheaper than Progressive for auto insurance, especially for drivers with clean records, good credit, and safe driving habits.
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 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 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 per month. Both offer strong liability and full coverage options.
Should you choose MetLife or State Farm for your car insurance?
You’ll benefit from MetLife insurance if you prefer group benefits through an employer, while State Farm offers more personalized service through local agents and lower rates.
Is 21st Century or State Farm better for your auto insurance needs?
If you value low-cost, online-based service, 21st Century may suit you, but State Farm provides more robust discounts and agent support for broader coverage needs.
What is the Name Your Price insurance tool, and how can you use it?
With Progressive’s Name Your Price tool, you set your budget and receive options that match it, allowing you to build a policy within your financial comfort zone.
Does Progressive’s comprehensive car insurance meet your protection needs?
Yes, Progressive’s comprehensive auto insurance coverage protects you from non-collision damage, such as theft, fire, and weather, and you can customize it with useful add-ons.
How much is State Farm car insurance per month on average?
On average, you’ll pay about $96 per month with State Farm, though your actual rate depends on factors like driving record, age, and available discounts.
How do State Farm, Progressive, and 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. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
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.
