Progressive vs. State Farm: Which Is The Best? (2026)
State Farm’s low rates, solid coverage, and extensive discounts earn it an IQ Score of 9.3 out of 10, making it a top option for car insurance.
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Written byTaylor Milam-Samuel
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
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Ashley CoxSenior Managing Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
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State Farm and Progressive are large insurance companies with policies available in all 50 states. State Farm is known for its competitive pricing and high J.D. Power customer satisfaction ratings. Progressive stands out due to its robust coverage options, including loan payoff protection and pet injury coverage.
Both companies offer solid coverage, but depending on your priorities, one might be better for you. To determine the best option for you, compare rates, customer service reviews, and discount options. Your age, driving record, location, and chosen coverage levels can also help determine which insurer is better for your unique situation.
Here’s how Progressive and State Farm compare.
Quick Facts
State Farm’s rates are lower than Progressive’s for every type of driver, including for seniors and teenagers.
Progressive stands out with add-on coverage options that State Farm doesn’t have.
State Farm and Progressive both offer optional telematics programs that track your driving, allowing you to earn discounts for safe behavior.
Progressive vs. State Farm: The verdict
State Farm earns a higher Insurify Quality (IQ) Score and offers lower average rates, making it an excellent pick for budget-conscious drivers with high standards. Drivers can also expect top-notch customer service since the company regularly ranks above average for customer satisfaction in J.D. Power’s auto insurance studies.
Progressive, on the other hand, has more coverage options. Drivers can get pet injury protection and loan/lease payoff coverage, which aren’t available from State Farm.
Progressive’s average rates are higher than State Farm’s, but the company offers a few more discounts, which could help you lower the costs of a Progressive auto insurance policy. And some drivers might consider access to more add-ons worth slightly higher rates.
Factor  | Progressive | State Farm |
|---|---|---|
| IQ Score | 8.7 | 9.3 |
| J.D. Power customer satisfaction score | 812 | 833 |
| Average quote: liability only | $84 | $53 |
| Number of discounts | 13 | 10 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Progressive
Progressive is the second-largest car insurance company in the U.S., based on market share, according to data from the National Association of Insurance Commissioners (NAIC).
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 8,507 Progressive reviews
Verified Review
Reviewed in Florida on May 18, 2026
They changed my monthly rate by more than $20.00 per month. Very disappointing!
Verified Review
Reviewed in Indiana on May 18, 2026
Don't go with Progressive. They keep raising my premiums $30-$40 per month every 6 months. I'm 59 years old and have never been in a wreck that was my fault, never filed a claim, don't speed, don't take off fast, don't tailgate, and never have anyone in my vehicle with me. If anything, my premiums should be going down.
Verified Review
Reviewed in New Jersey on May 18, 2026
Better deal in this area.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+State Farm
State Farm is the largest car insurer by market share in the U.S, according to the NAIC.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.0
Best choiceBased on 18,077 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,551 State Farm reviews
Verified Review
Reviewed in Texas on May 18, 2026
I spent hours on hold on the phone and spoke with multiple people who couldn't make a decision and had to talk to a manager. For what they charged, it was a terrible experience.
Verified Review
Reviewed in Georgia on May 17, 2026
I have been with them for years with no complaints until now when they increased rates unexpectedly.
Verified Review
Reviewed in Louisiana on May 17, 2026
It is too high. I pay $166 a month, and I should not be paying more than $66 a month.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Progressive Snapshot vs. State Farm Drive Safe & Save
Progressive and State Farm have optional telematics programs that allow drivers to opt in to tracking through a mobile app. Drivers can earn discounts for safe driving decisions, like following the speed limit, staying off phones, and obeying traffic signs.
With State Farm’s Drive Safe & Save program, you can reduce your car insurance rate by up to 30% — a significant savings. You can enroll in two ways: Download the Drive Safe & Save app or register an eligible vehicle in Connected Car. Your choices on the road determine how much you can save, and State Farm calculates deductions each time your policy renews (typically every six months).
Progressive’s Snapshot program is similar. Policyholders can participate in the program with the mobile app or a plug-in device. Most drivers save around $231 per year with Snapshot, but your actual rate deduction depends on your driving patterns and the amount you drive. You also earn a discount when you sign up.
Good to Know
Both companies’ apps or devices track your driving, including unsafe driving patterns. Reckless driving, like speeding and texting, can increase your rate.
Progressive vs. State Farm: Which is the cheapest?
State Farm has the lower average rates of the two, according to Insurify data. But other factors also affect how much you’ll pay, including your ZIP code, credit history, driving record, and age.[1]
Here’s how State Farm and Progressive rates compare for different driver categories.
State Farm: Cheapest for drivers with a clean driving record
State Farm has cheaper average rates for drivers with clean records.
Driver Type | Progressive | State Farm |
|---|---|---|
| Clean driving record | $84 | $53 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
State Farm: Cheapest for drivers with a speeding ticket
Regardless of the insurer, car insurance rates usually increase after a speeding ticket or accident. State Farm’s rates for drivers with a speeding ticket are lower than Progressive’s.
Driver Type | Progressive | State Farm |
|---|---|---|
| Drivers with a speeding ticket | $0 | $68 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
State Farm: Cheapest for teen drivers
Due to inexperience and reckless driving, teen drivers typically pay a higher rate.[2] Because of that, it can be even more essential to find competitive rates. State Farm offers lower average rates for young drivers — nearly half the price of Progressive.
Driver Type | Progressive | State Farm |
|---|---|---|
| 18-year-old | $0 | $110 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
State Farm: Cheapest for drivers with bad credit
Drivers with good credit typically pay less for coverage, while drivers with bad credit tend to pay more. State Farm auto insurance has slightly lower rates for drivers with bad credit. However, the difference in cost between State Farm and Progressive is minimal.
Driver Type | Progressive | State Farm |
|---|---|---|
| Drivers with bad credit | $0 | $87 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
State Farm: Cheapest for senior drivers
State Farm’s average rates for senior drivers are more competitive than Progressive’s average rates, which likely makes it a better choice for drivers on a budget.
Driver Type | Progressive | State Farm |
|---|---|---|
| Senior drivers | $0 | $38 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Compare coverages: Progressive vs. State Farm
Progressive and State Farm offer many car insurance options, including liability insurance, personal injury protection, uninsured/underinsured motorist coverage, medical payments, collision, and comprehensive. Both insurers also have optional coverage for roadside assistance, rental car reimbursement, and rideshare coverage.
The primary difference between the companies is that Progressive offers lease/loan payoff coverage, while State Farm doesn’t. This coverage is similar to gap insurance, which helps cover the difference between what you owe and what your car is worth if it’s totaled. Progressive customers can also access pet injury protection, a unique perk for pet owners.
Here’s how the optional coverage selections for State Farm and Progressive compare.
Coverage | Progressive | State Farm |
|---|---|---|
| Gap insurance | Yes | No |
| Roadside assistance | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Rideshare insurance | Yes | Yes |
| Travel expense coverage | Yes | Yes |
| Pet injury coverage | Yes | No |
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Compare discounts: Progressive vs. State Farm
State Farm has better discounts than Progressive. State Farm drivers can earn discounts for completing a defensive driving course, maintaining a clean driving record, and installing an anti-theft device — none of which are available from Progressive. However, neither company offers discounts for military affiliation, low mileage, or alternative fuel.
Here’s how the discount options compare.
Discount | Progressive | State Farm |
|---|---|---|
| Clean driving record | No | Yes |
| Defensive driving course | No | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | No | Yes |
| New car | No | No |
| Military/affiliation | No | No |
| Good student | Yes | Yes |
| Loyalty | Yes | Yes |
| Auto pay | Yes | No |
| Student away at school | Yes | Yes |
| Homeowner | Yes | Yes |
| Alternative fuel | No | No |
Progressive vs. State Farm FAQs
State Farm and Progressive are well-known insurers with solid coverage, but they have some notable differences. Here’s what to consider as you decide between the two companies.
Is Progressive or State Farm more expensive?
Progressive is more expensive than State Farm based on average car insurance rates since State Farm’s rates are lower. However, your car insurance company is only one factor that affects how much you pay — others include your location, age, driving record, and vehicle type.
Is Progressive bigger than State Farm?
State Farm is the largest auto insurer by market share, which means it’s the most prominent car insurance company in the United States. Progressive has the third-largest market share.[3] Both auto insurance companies have solid financial strength and provide insurance nationwide.
Is State Farm the same as Progressive?
State Farm and Progressive aren’t the same company. Both companies offer car insurance coverage and other insurance products for consumers, including homeowners and life insurance. But the companies aren’t connected.
Is Progressive or State Farm better for car insurance?
The best car insurance company depends on what you’re looking for in an insurer. State Farm is probably the best choice if you’re looking for the cheapest rates. However, Progressive auto insurance might be better if you need lease/loan payoff protection or want auto insurance coverage for your pet.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Background On: Teen drivers."
- Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology