Progressive vs State Farm Car Insurance

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Progressive or State Farm:
Which Company is Best for You?

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.


Progressive vs. State Farm: insurance rate comparison


Progressive vs. State Farm: prices by credit level

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:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: State Farm VS. Progressive
Credit levelProgressive avg. annual premiumState 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

Progressive vs. State Farm: costs for high-risk drivers

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.


RATES BY CITATION: State Farm VS. Progressive
CitationProgressive avg. annual premiumState 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

Progressive vs. State Farm: rates by age

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..


RATES BY AGE BRACKET: State Farm VS. Progressive
Age bracketProgressive avg. annual premiumState 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 ComparisonProgressiveState 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 ComparisonProgressiveState Farm
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A++

Other ProductsProgressiveState Farm
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Condo Insurance
Life Insurance
Homeowners Insurance
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Renters Insurance
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Mobile Home Insurance
Other FeaturesProgressiveState Farm
AboutProgressive 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 AssistanceProgressive'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 DiscountsProgressive 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 QuestionsDo 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 MoreProgressive 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. Safe Auto Progressive vs. Safeco Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAAState 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. Safe Auto State Farm vs. Safeco State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Progressive vs State Farm

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