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.
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.
State Farm premium
Very Poor (300-579)
Very Good (740-799)
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.
State Farm premium
At-fault accident (damage <$1,000)
At-fault accident (damage >$1,000)
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.
State Farm premium
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.
Progressive premium (6-mo.)
State Farm premium (6-mo.)
17 years old
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.
|Discount Comparison||Progressive||State Farm|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Progressive||State Farm|
|JD Power Rankings||3 out of 5||3 out of 5|
|Other Products||Progressive||State Farm|
|Travel Trailer 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.|
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|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|