Choosing an auto insurance company can be tricky: rates can fluctuate based on your location, vehicle, and driving record, and every company provides a different set of discounts. Progressive and State Farm are two of the most popular insurers, selling competitively priced insurance policies across large portions of the US.
To take the sting out of shopping for car insurance, we've pulled average rates from State Farm and Progressive. These cover myriad rating factors, including credit rating, driving infractions, and age. Examine these rates and find an affordable policy today.
Go in-depth: Check out our full reviews of Progressive and State Farm.
If you have extremely bad credit, State Farm could be the best option for you. Typically, State Farm offers cheaper premiums than Progressive for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward Check out common insurance rates by credit score for State Farm and Progressive:
| Credit level | Progressive avg. annual premium | State Farm avg. annual premium |
| Very Poor (300-579) | $3,602 | $3,522 |
| Fair (580-669) | $2,127 | $2,003 |
| Good (670-739) | $1,708 | $1,613 |
| Very Good (740-799) | $1,453 | $1,451 |
| Exceptional (800-850) | $1,320 | $1,260 |
If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense in your recent history, Progressive could be a better choice than State Farm. Every car insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to understand which insurance company suits you.
| 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 |
Insurers rely on age to indicate risk, pricing policies accordingly. An auto insurance policy is usually priciest for young drivers — due to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose State Farm before Progressive: the former's average annual rates are $2,428 less than the latter's..
| Age bracket | Progressive avg. annual premium | State Farm avg. annual premium |
| Teens | $8,248 | $5,820 |
| 20s | $2,287 | $2,379 |
| 30s | $1,646 | $2,379 |
| 40s | $1,644 | $1,587 |
| 50s | $1,542 | $1,558 |
| 60s | $1,403 | $1,485 |
Aside from finances, Progressive and State Farm come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| 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 |
| Ratings Comparison | Progressive | State Farm |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A++ |
| 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 |
| Other Features | Progressive | State Farm |
|---|---|---|
| About | Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible. | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. |
| Roadside Assistance | Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the 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, and locksmith services. |
| Additional Discounts | Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. |
| Recent Questions | Do I need to put everyone in my household on my policy? It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary. How many cars can I have on my progressive policy?Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered. Why won't my insurance recognize or cover Tesla labor rates?Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not. I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you. See More Questions | My car was towed by an apartment complex, will State Farm reimburse me for the towing cost? Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location. What could be the reason State Farm increased my premium?Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%. I started a claim but canceled it with no payout. Why is it on my CLUE report?Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating. Does State Farm match auto insurance quotes with other companies?In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. See More Questions |
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