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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
8.4
9.3
J.D. Power customer satisfaction score
812
833
Average quote: liability only
$79
$55
Number of discounts
13
10
Number of states where it operates
50
50
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 28,000 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.
819
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.
8.4 /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.
$79/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.
$138/mo
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,575)
Penny
October 21, 2024
Verified Review
Shopping
The cost is extreme. I started out paying $45.00 about 7 years ago and it has now gone up to almost $150.00 a month. I just can't afford it.
Michael
October 21, 2024
Verified Review
Unfair Price Increase
Terrible. They increased my rate by over $100 even though I never filed a claim or received any violations. I'll switch providers every time you raise the price! Why do you do that?
Lloyd
October 21, 2024
Verified Review
Paying for, but not using
After the first time, I don't think I had any contact other than receiving the bill every six months. I never filed any claims or received any tickets during the time I had their insurance.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.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+
Why we picked this company
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
State Farm
State Farm is the largest car insurer by market share in the U.S, according to the NAIC.
User Reviews
4.2
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.
$55/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.
$121/mo
4.2
Best choiceBased on 8597 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,729)
Jeff
October 21, 2024
Verified Review
The Decline of Customer Service
I have been a customer of State Farm for over 30 years. This year, the prices on my coverage increased. I didn't have the funds, due to my transition from working to retirement. My new customer service agent didn't inquire about the reason. They simply demanded the payment. Also, there is supposed to be a discount for driving less than fifty miles per day. They claimed they had no such policy. So, I switched.
George
October 21, 2024
Verified Review
Awesome if you like to waste money
I had two vehicles insured for $1743 for six months. I sold one and the new rate for the remaining vehicle is $1768. It's more for one vehicle than it was for the two vehicles before. I'm planning on leaving this company. I've found three other companies with rates ranging from $1123 to $1186.
William
October 21, 2024
Verified Review
My Rating
The customer service is very slow and not knowledgeable.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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++
Why we picked this company
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
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
$79
$55
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.