State Farm and Progressive — two of the top car insurance providers — offer A+ financial strength ratings from AM Best and Consumer Reports ratings of 82 or higher. When shopping policies, compare the premiums each carrier offers based on drivers’ credit scores, driving history, age, and vehicle type.
Compare Progressive vs. State Farm auto insurance rates
Progressive vs. State Farm rates by credit level
If you’ve built a very good or exceptional credit score, Progressive and State Farm will provide comparable car insurance rates. If you have a very poor, fair, or good credit rating, Progressive may be the cheaper option, saving you between $100 and $291 per year.
|
Credit level
|
Progressive premium
|
State Farm premium
|
|
Very Poor (300-579)
|
$2,616
|
$2,907
|
|
Fair (580-669)
|
$2,157
|
$2,359
|
|
Good (670-739)
|
$1,804
|
$1,916
|
|
Very Good (740-799)
|
$1,520
|
$1,572
|
|
Exceptional (800-850)
|
$1,295
|
$1,292
|
Progressive vs. State Farm rates with bad driving records
If you have a checkered driving record, your car insurance is going to be expensive — there’s no way around it. However, State Farm could be worth looking into if you’ve received a DUI or reckless driving citation, as the company beats Progressive’s premium under those circumstances by approximately $400 per year.
|
Citation
|
Progressive premium
|
State Farm premium
|
|
At-fault accident (damage <$1,000)
|
$1,969
|
$2,039
|
|
At-fault accident (damage >$1,000)
|
$2,240
|
$2,234
|
|
DUI
|
$2,900
|
$2,478
|
|
Reckless driving
|
$2,830
|
$2,454
|
|
None
|
$1,458
|
$1,496
|
Progressive vs. State Farm rates by vehicle type
No matter what kind of vehicle you drive, Progressive offers more affordable rates. Minivan and truck drivers will see the steepest cost savings by choosing Progressive over State Farm, whereas average rates for green vehicles and sedans are nearly even.
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Vehicle type
|
Progressive premium
|
State Farm premium
|
|
Sedan
|
$1,508
|
$1,576
|
|
Van
|
$1,471
|
$1,625
|
|
SUV
|
$1,356
|
$1,407
|
|
Truck
|
$1,530
|
$1,696
|
|
Luxury
|
$2,127
|
$2,236
|
|
Green
|
$1,680
|
$1,770
|
Progressive vs. State Farm rates for teen drivers
As a teen driver, you’re going to pay a lot for car insurance, so it’s important to save wherever you can. Progressive is a more affordable option than State Farm for teen drivers, charging an average 17-year-old only $1,231 per 6-month policy. Conversely, Allstate charges teen drivers almost $3,000 per 6-month term.
|
Age
|
Progressive premium (6-mo.)
|
State Farm premium (6-mo.)
|
|
17 years old
|
$1,231
|
$2,999
|
Be sure to consider the merits of Progressive and State Farm before choosing a policy. Each company offers different discounts and roadside assistance programs, and has unique customer satisfaction and financial stability ratings. Review the in-depth data below before making your decision.
