Progressive vs. State Farm: What's the difference?
The Zebra’s choice: Progressive
While scores for both companies are similar, Progressive offers cheaper average rates.
Progressive:
- Cost: $90/month for full coverage
- Customer service: 4
- Claims handling: 2.8
- Digital experience: 4.8
- Trust: 4.8
- Overall rating: 4
Progressive comes out on top when it comes to cheaper rates, customer service, claims handling and trust scores
State Farm:
- Cost: $98/month for full coverage
- Customer service: 3.6
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4
- Overall rating: 3.6
State Farm performs well overall but falls behind Progressive in service, price, and trust scores.
Progressive vs. State Farm: rates for high-risk drivers
If you have an at-fault collision, reckless driving citation, or DUI in your recent history, Progressive could be a better option than State Farm. However, State Farm tends to be somewhat cheaper for drivers with speeding violations. Remember that every car insurance company rates driving offenses differently, so compare quotes from a number of insurers to discover which best suits you.
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RATES BY VIOLATION: PROGRESSIVE VS. STATE FARM
| Citation | Progressive avg. annual premium | State Farm avg. annual premium |
| At-fault accident (damage < $1,000) | $2,720 | $2,849 |
| At-fault accident (damage > $1,000) | $2,245 | $1,524 |
| DUI/DWI | $2,201 | $3,854 |
| Reckless driving | $2,457 | $2,895 |
| Speeding ticket | $2,091 | $1,983 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Progressive vs. State Farm: rates by age bracket
Car insurance companies rely on age to estimate risk, pricing policies accordingly. Because of their inexperience behind the wheel, auto insurance tends to be a lot more expensive for young drivers, especially when compared to older drivers. Because every insurance company prices age tiers in a different way, it's wise to compare rates and find a suitable policy.
In general, teen drivers should choose State Farm over Progressive, with the potential to save an average of nearly $2,500 per year.
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COMPARING AUTO INSURANCE RATES BY AGE: PROGRESSIVE VS. STATE FARM
| Age | Progressive avg. annual premium | State Farm avg. annual premium |
| Teens | $8,248 | $5,820 |
| 20s | $2,287 | $2,379 |
| 30s | $1,646 | $1,585 |
| 40s | $1,644 | $1,587 |
| 50s | $1,542 | $1,558 |
| 60s | $1,403 | $1,485 |
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Affordability aside, both Progressive and State Farm have their pros and cons. These can include discounts, additional coverages, customer satisfaction ratings, and financial stability. Make sure to do your comparisons before making your final decision.
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Progressive vs. State Farm: discount comparison
A good way to save money on your car insurance premiums is to consider auto insurance discounts. Take a look at the discount options from both Progressive and State Farm below.
| Discount comparison | Progressive | State Farm |
|---|---|---|
| Good student | ✓ | ✓ |
| Multiple policies | ✓ | ✓ |
| Multiple vehicles | ✓ | ✓ |
| Anti-theft device(s) | ✓ | |
| Anti-lock brake system | ||
| Air bags | ✓ | |
| Good driver | ✓ | |
| Defensive driver | ✓ | |
| Student away at school | ✓ | ✓ |
| Driver training | ✓ | |
| Green vehicles | ||
| Affinity membership alum | ✓ | |
| Advanced purchase | ||
| Pay in full | ✓ | |
| Home owner | ✓ | |
| eSign or ePay | ||
| Telematics | ✓ | ✓ |
| New Vehicle | ||
| Annual Mileage | ✓ | |
| Military | ||
| Continuous coverage | ✓ |
Telematics options: Progressive vs. State Farm
Telematics programs offer safe drivers the chance to save money by having their driving habits monitored by their insurer. This helps the insurance company better determine the level of risk that a driver poses, which could in turn bring your rates down. Both Progressive and State Farm offer telematics options that are worth considering. Compare each company's telematics offerings below.
Snapshot is Progressive's telematics option. The app tracks drivers' behavior while behind the wheel (including hard braking, speeding, and more) to give a more accurate level of risk. Good drivers stand to save an average of $145 on their premium according to the company.
State Farm Drive Safe & Save can be a good option for safe or low-mileage drivers. State Farm claims that the program can save customers up to 50% on premiums, though these types of savings are most likely to be seen by lower-mileage drivers. Drive Safe & Save is available in most states.
Zebra tip: Consider telematics offerings from both companies
The telematics options from both Progressive and State Farm could offer safe drivers a way to save money.
Roadside assistance: Progressive vs. State Farm
No one wants to find themselves on the side of the road after a breakdown. If you do, however, you'll definitely be happier if you have a roadside assistance program. Compare the different options provided by both Progressive and State Farm below.
Progressive
Progressive partners with a company called Agero to provide roadside assistance. These services can be used for your car, boat, motorcycle or RV. When added to your policy, Progressive's roadside assistance program offers the following:
- Fuel delivery
- Flat-tire changes
- Battery jump-start
- Battery recharge for EVs
- Lock-out services
- On-scene labor
- Winching services
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State Farm
State Farm's Emergency Road Service offers the following:
- Mechanical labor at the place of breakdown
- Towing of your vehicle to a repair facility,
- Removal of a stuck vehicle
- Delivery of gas or oil
- Assistance with changing a tire or a jumpstart
- Locksmith services
Progressive vs. State Farm: home insurance
Both Progressive and State Farm offer homeowners coverage options. These can be purchased as individual policies or bundled together with auto or other coverage types. Progressive has a much larger presence in the auto insurance space than it does homeowners, and some policyholders may find its policy options limiting. State Farm is the largest homeowners insurance coverage provider in the country according to the Insurance Information Institute, holding a market share of nearly 18%.
Compare ratings for each company's home insurance options below.
Progressive homeowners insurance review
Progressive offers homeowners insurance in all 50 states plus Washington D.C. While the company provides basic coverage options, homeowners looking for more robust policies might find Progressive's options lacking.Â
- The Zebra Customer Satisfaction Survey – 4.1/5: While a rating above 4 stars is sufficient, Progressive home ranked last overall among the 15 carriers surveyed.
- J.D. Power Rating – Below average: J.D. Power rates Progressive auto insurance as below-average in overall customer satisfaction.Â
- Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive has a solid ability to pay out claims.
- NAIC Rating– Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average regarding Progressive homeowners insurance in 2020.
State Farm homeowners review
State Farm has a variety of coverage options for add-ons and endorsements. This makes them a worthwhile option for those in need of flexible or unique coverage. Those looking for the cheapest coverage may find State Farm's rates to be on the pricier side, as they tend to be higher than average. The lack of many available homeowners discounts may also be a drawback to some. In general, State Farm's homeowners insurance options enjoy good ratings from third-party agencies, and the company ranked fifth place overall in The Zebra Customer Satisfaction Survey for home insurance.
- The Zebra Customer Satisfaction Survey — 4.4/5: State Farm was given an above-average rating among the top 15 home insurance providers surveyed.
- Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
- Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
- Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
- NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
Which company comes out on top?
State Farm
While its rates might be higher than average, State Farm has the coverage options and the reputation to make them a great option for homeowners coverage.
Progressive vs. State Farm: home insurance rate comparison
Homeowners insurance rates can vary depending on your location, your claims history, and the company that you choose. Progressive's average yearly home insurance rate is $1,355, breaking down to just under $113 per month. State Farm comes in only one dollar higher on average at $1,356 per year or $113 per month.
Remember that while cost is an important factor when shopping for homeowners insurance, it's most important to have good coverage from an insurer that you can trust.
Progressive and State Farm are essentially tied, with each coming in at an average of around $113 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Progressive vs. State Farm: homeowners discount comparison
For eligible policyholders, home insurance discounts can be a great way to save your home insurance coverage. While both Progressive and State Farm offer homeowners discounts to eligible policyholders, State Farm's discount options are somewhat lacking. See how these discounts compare below.
| Discount comparison | Progressive | State Farm |
|---|---|---|
| Claims free | ||
| Recent home buyer | ✓ | |
| Multi-policy | ✓ | ✓ |
| Newer/more durable roof | ✓ | |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ✓ | |
| Auto pay | ||
| New home consturction | ✓ | |
| Gated community | ||
| Home renovation | ||
| Smart home |
Zebra tip: Check out Progressive if you are seeking home insurance discounts
Progressive offers a wider selection of home insurance discounts. However, more discounts do not necessarily translate to cheaper rates. Compare homeowners rates from both companies to see which is a better fit.
Other insurance products and bundling options
Both Progressive and State Farm have options for bundling policy types. Have a look at the different product offerings available from each company to see if they could meet all of your insurance needs.
| Other products | Progressive | State Farm |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| ATV insurance | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial insurance | ✓ | ✓ |
In general, both Progressive and State Farm offer a wide selection of additional coverages. While State Farm offers commercial auto insurance, Progressive is a major carrier for many types of commercial insurance, including for both automobiles and small businesses. For those who use their vehicles for commercial purposes (delivery or rideshare drivers), Progressive and State Farm could be good options.
Frequently asked questions: Progressive vs State Farm
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.