Choosing a car insurer can be tricky: every company's rates differ based on your location, age, and driving history, and insurers offer a variety of perks. Progressive and State Farm are two of the most popular insurance companies, selling competitively priced coverage in most states.
In an effort to simplify the process of comparing insurance companies, we collected average rates from State Farm and Progressive. These take into consideration a variety of rating factors, including credit quality, driving record, and demographics. Compare rates and find your next car insurance policy today.
If you have extremely bad credit, State Farm could be the way to go. Typically, State Farm offers lower premiums than Progressive for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should lean toward Check out common insurance costs by credit level for State Farm and Progressive below.
| 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've got an at-fault accident, speeding violation, reckless driving violation, or DUI offense on your résumé, Progressive could be a better choice than State Farm. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer suits you.
| Violation | 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 |
Car insurance companies use age to outline risk potential, pricing premiums accordingly. Car insurance is commonly expensive for young drivers — because of their inexperience — and most affordable for drivers aged 25 or older. Because each insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose State Farm instead of 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 |
Finances aside, Progressive and State Farm come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
| 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 |
| Compare More | Progressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. SAFECO Progressive vs. Safe Auto Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAA | State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Root Insurance State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA |
| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |
