Progressive vs State Farm Car Insurance

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

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.

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.

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 StrengthSuperiorSuperior
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A++

Other ProductsProgressiveState Farm
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
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.
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