Progressive vs. State Farm Car Insurance: Expert Recommended (2024)
In the dynamic landscape of car insurance, the competition between industry giants Progressive and State Farm takes center stage, with a pivotal focus on rates, coverage, and unique offerings; as we delve into the intricacies, State Farm emerges as the front-runner, showcasing consistently competitive pricing, top-tier financial strength, and an innovative approach to personalized savings.
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
UPDATED: Feb 2, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the intricate world of auto insurance demands a discerning eye for the factors shaping your premium. Our scrutiny of key elements, including credit score, driving record, and coverage level, reveals a standout performer. Progressive, with its compelling monthly rates, emerges as a frontrunner across diverse customer profiles. Notably, for drivers with a pristine record, State Farm presents an enticing alternative with rates as low as $86, while Progressive excels for those with a single ticket or accident, offering rates at $140 and $186 respectively.
| Factor | Progressive | State Farm |
|---|---|---|
| Clean Record | $105 | $86 |
| 1+ Ticket | $140 | $96 |
| 1+ Accident | $186 | $102 |
| DUI | $140 | $112 |
| Poor Credit | $181 | $148 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Progressive | State Farm |
|---|---|---|
| Anti Theft | 31% | 8% |
| Good Student | 20% | 7% |
| Low Mileage | 5% | 9% |
| Paperless | 15% | 6% |
| Safe Driver | 10% | 8% |
| Senior Driver | 10% | 12% |
Progressive
Pros:
- Competitive Pricing: Progressive offers competitive pricing, especially in states where it is available, with significant savings in some cases.
- Wide Range of Discounts: Progressive provides a variety of discounts, including those for safe driving, vehicle features, and usage of the Progressive Snapshot program.
- Financial Strength: Progressive has a solid financial strength rating (A+) from A.M. Best, indicating a strong ability to meet financial obligations.
Cons:
- Limited Availability: Not available in certain states, including Minnesota, Idaho, and West Virginia.
- Discount Variability: The availability and impact of discounts may vary, and not all discounts may apply to every policyholder.
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State Farm
Pros:
- Affordability: State Farm offers competitive rates, being cheaper than the national average in a majority of states.
- Top-tier Financial Strength: State Farm boasts the highest financial strength rating (A++) from A.M. Best, reflecting exceptional financial stability.
- Drive Safe & Save Program: State Farm’s unique program allows policyholders to save based on their driving habits, providing potential cost reductions.
Cons:
- Limited Discounts Detail: While State Farm offers various discounts, the specifics and impact on policy costs are not detailed in the provided content.
- Availability: The content doesn’t explicitly mention State Farm’s availability in all states, leaving some uncertainty.
The Verdict: State Farm Takes the Lead
When weighing the factors of rates, coverage, and overall value, State Farm emerges as the superior choice between Progressive and State Farm.
Affordability Reigns: State Farm not only outperforms Progressive in terms of rates but does so impressively. Across a significant number of states, State Farm consistently offers more affordable car insurance, making it a clear winner in the affordability category.
Financial Stability: Both companies boast strong financial ratings, but State Farm’s A++ rating from A.M. Best positions it at the top. This superior financial strength adds an extra layer of confidence, assuring policyholders that State Farm can fulfill its financial obligations.
Innovative Programs: While Progressive introduces the innovative Snapshot program, State Farm counters with its Drive Safe & Save initiative. This program allows policyholders to save based on their driving habits, providing a personalized approach to cost savings.
Comprehensive Discounts: Although Progressive offers an array of discounts, State Farm’s Drive Safe & Save program adds a unique dimension to personalized savings. While specific details on Progressive’s discounts are provided, State Farm’s Drive Safe & Save program stands out as an innovative and potentially more impactful way to reduce costs.
Wider Availability: State Farm’s extensive availability in 42 out of 50 states, coupled with its affordability, makes it a more accessible and appealing option for a broader audience.
While both Progressive and State Farm have their merits, State Farm’s consistently competitive rates, top-tier financial strength, and innovative approach to savings position it as the best overall choice for car insurance. When seeking a combination of affordability, stability, and unique features, State Farm emerges as the clear winner in the Progressive vs. State Farm comparison.
What Progressive Can Do For You
The best way to start is to check out Progressive’s rates. Later on, we can compare them to State Farm’s. For now, let’s take a look at a table showing Progressive’s rates in comparison to state averages.
Progressive Average Monthly Insurance Rates by State
| State | Average Monthly Rates | Compared to State Average Rates (+/-) | Percentage Change from State Average Rates (+/-) |
|---|---|---|---|
| Alaska | $255.24 | -$29.89 | -0.98% |
| Alabama | $370.88 | $73.63 | 1.65% |
| Arkansas | $442.67 | $98.93 | 1.86% |
| Arizona | $298.13 | -$16.12 | -0.45% |
| California | $237.47 | -$69.94 | -2.45% |
| Colorado | $352.66 | $29.63 | 0.70% |
| Connecticut | $410.03 | $25.12 | 0.51% |
| District of Columbia | $414.19 | $44.25 | 0.89% |
| Delaware | $348.49 | -$150.37 | -3.60% |
| Florida | $465.28 | $75.24 | 1.35% |
| Georgia | $374.94 | -$38.97 | -0.87% |
| Hawaii | $181.49 | -$31.48 | -1.45% |
| Iowa | $199.63 | -$48.82 | -2.04% |
| Idaho | -- | -- | -- |
| Illinois | $294.72 | $19.26 | 0.55% |
| Indiana | $324.83 | $40.25 | 1.03% |
| Kansas | $345.37 | $72.06 | 1.74% |
| Kentucky | $462.30 | $29.35 | 0.53% |
| Louisiana | $622.59 | $146.65 | 1.96% |
| Maine | $303.63 | $57.53 | 1.58% |
| Maryland | $341.24 | -$40.65 | -0.99% |
| Massachusetts | $319.59 | $96.36 | 2.51% |
| Michigan | $447.05 | -$427.84 | -7.98% |
| Minnesota | -- | -- | -- |
| Missouri | $284.93 | $7.52 | 0.22% |
| Mississippi | $359.07 | $53.69 | 1.25% |
| Montana | $360.90 | $92.49 | 2.14% |
| North Carolina | $198.55 | -$84.21 | -3.53% |
| North Dakota | $301.92 | -$45.23 | -1.25% |
| Nebraska | $313.17 | $39.53 | 1.05% |
| New Hampshire | $224.54 | -$38.11 | -1.41% |
| New Jersey | $331.06 | -$128.54 | -3.24% |
| New Mexico | $259.93 | -$28.71 | -0.92% |
| Nevada | $338.55 | -$66.59 | -1.64% |
| New York | $314.26 | -$43.23 | -1.15% |
| Ohio | $286.41 | $60.60 | 1.76% |
| Oklahoma | $402.70 | $57.50 | 1.19% |
| Oregon | $302.43 | $13.45 | 0.37% |
| Pennsylvania | $370.92 | $34.71 | 0.78% |
| Rhode Island | $435.92 | $18.98 | 0.36% |
| South Carolina | $381.09 | $66.00 | 1.44% |
| South Dakota | $312.73 | -$19.12 | -0.51% |
| Tennessee | $304.74 | -$0.33 | -0.01% |
| Texas | $388.72 | $51.78 | 1.11% |
| Utah | $319.18 | $18.18 | 0.48% |
| Virginia | $208.22 | $11.73 | 0.47% |
| Vermont | $434.76 | $165.25 | 3.17% |
| Washington | $267.46 | $12.52 | 0.39% |
| West Virginia | -- | -- | -- |
| Wisconsin | $260.74 | -$39.76 | -1.27% |
| Wyoming | $366.76 | $100.09 | 2.27% |
| Average | $327.95 | $22.87 | 0.58% |
Read more:
- Best Kentucky Car Insurance
- Best Montana Car Insurance
- Best Pennsylvania Car Insurance
- Best Rhode Island Car Insurance
- Best South Dakota Car Insurance
- Best Vermont Car Insurance
As you can see, when it comes to the states where Progressive is available, the company is cheaper in 19 states. In fact, in some states, the difference is huge. Look at Michigan, where Progressive is an astounding 95.7 percent cheaper.
Keep in mind that if you live in Minnesota, Idaho, and West Virginia, you will not be able to procure Progressive insurance.
Also, of note when comparing companies, is the company’s A.M. Best review. In the case of Progressive, they have the second-highest rating: A+. Let’s move on to what discounts Progressive offers.
Progressive Discounts
No matter which insurer you choose, make absolutely sure to inquire as to how many discounts you can procure. Let’s take a look at a table that compares Progressive’s discounts to Allstate’s. Just make sure to pay particular attention to Progressive in the final column.
Allstate Vs. Progressive Discounts Offered
| Discounts | Allstate Discounts Offered | Progressive Discounts Offered |
|---|---|---|
| Adaptive Cruise Control | ✘ | ✓ |
| Adaptive Headlights | ✘ | ✓ |
| Anti-lock Brakes | ✓ | ✓ |
| Anti-Theft | ✓ | ✓ |
| Daytime Running Lights | ✓ | ✓ |
| Electronic Stability Control | ✓ | ✓ |
| Utility Vehicle | ✓ | ✘ |
| Vehicle Recovery | ✓ | ✓ |
| VIN Etching | ✓ | ✓ |
| Lane Departure Warning | ✘ | ✓ |
| Newer Vehicle | ✓ | ✓ |
| Green Vehicle | ✓ | ✘ |
| Forward Collision Warning | ✘ | ✓ |
| Claim Free | ✓ | ✓ |
| Continuous Coverage | ✓ | ✓ |
| Defensive Driver | ✓ | ✓ |
| Distant Student | ✓ | ✓ |
| Driver's Ed | ✓ | ✓ |
| Driving Device/App | ✓ | ✓ |
| Early Signing | ✓ | ✓ |
| Family Legacy | ✓ | ✓ |
| Family Plan | ✓ | ✘ |
| Full Payment | ✓ | ✓ |
| Garaging/Storing | ✓ | ✘ |
| Good Credit | ✘ | ✓ |
| Good Student | ✓ | ✓ |
| Homeowner | ✘ | ✓ |
| Low Mileage | ✓ | ✓ |
| Loyalty | ✘ | ✓ |
| Married | ✘ | ✓ |
| Military | ✓ | ✘ |
| Multiple Policies | ✓ | ✓ |
| Multiple Vehicles | ✘ | ✓ |
| Occupation | ✓ | ✘ |
| Online Shopper | ✘ | ✓ |
| On Time Payments | ✓ | ✘ |
| Paperless Documents | ✓ | ✓ |
| Paperless/Auto Billing | ✓ | ✓ |
| Passive Restraint | ✓ | ✓ |
| Safe Driver | ✓ | ✓ |
| Senior Driver | ✓ | ✘ |
| Stable Residence | ✘ | ✓ |
| Switching Provider | ✘ | ✓ |
| Young Driver | ✘ | ✓ |
As you can see, Progressive offers a wide array of discounts. There are some discounts for additions to your vehicle, like adaptive headlights and anti-lock brakes. There are also some for having a new or particularly safe vehicle.
A big one to take note of is the safe driver discount. If you have had no tickets or accidents within the past three years, your policy could cost 31 percent less than those who have had tickets and/or accidents.
You can also use the Progressive app and get Progressive Snapshot. This utilizes customer driving habits data to specialize insurance rates for said customers All you have to do is either get the plug-in device or go through the Progressive insurance login steps on the app.
You can also read our Progressive Snapshot review.
Let’s move on to see how State Farm measures up to Progressive.
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What State Farm Can Do For You
Let’s get back to costs. Now, we’re going to compare State Farm’s rates to the state averages across the country. Take a look at the table.
State Farm Average Rates By State
| State | State Farm Average Rate | Higher/Lower ($) | Higher/Lower (%) |
|---|---|---|---|
| Alaska | $2,228.12 | -$1,193.39 | -53.56% |
| Alabama | $4,798.15 | $1,231.19 | 25.66% |
| Arkansas | $2,789.03 | -$1,335.95 | -47.90% |
| Arizona | $4,756.25 | $985.28 | 20.72% |
| California | $4,202.28 | $513.35 | 12.22% |
| Colorado | $3,270.77 | -$605.63 | -18.52% |
| Connecticut | $2,976.24 | -$1,642.68 | -55.19% |
| District of Columbia | $4,074.05 | -$365.20 | -8.96% |
| Delaware | $4,466.85 | -$1,519.48 | -34.02% |
| Florida | $3,397.67 | -$1,282.79 | -37.75% |
| Georgia | $3,384.88 | -$1,581.95 | -46.74% |
| Hawaii | $1,040.28 | -$1,515.36 | -145.67% |
| Iowa | $2,224.51 | -$756.77 | -34.02% |
| Idaho | $1,867.96 | -$1,111.13 | -59.48% |
| Illinois | $2,344.88 | -$960.60 | -40.97% |
| Indiana | $2,408.94 | -$1,006.03 | -41.76% |
| Kansas | $2,720.00 | -$559.62 | -20.57% |
| Kentucky | $3,354.32 | -$1,841.09 | -54.89% |
| Louisiana | $4,579.12 | -$1,132.22 | -24.73% |
| Maine | $2,198.68 | -$754.60 | -34.32% |
| Maryland | $3,960.87 | -$621.83 | -15.70% |
| Massachusetts | $1,361.86 | -$1,316.99 | -96.71% |
| Michigan | $12,565.52 | $2,066.88 | 16.45% |
| Minnesota | $2,066.99 | -$2,336.27 | -113.03% |
| Missouri | $2,692.91 | -$636.03 | -23.62% |
| Mississippi | $2,980.48 | -$684.09 | -22.95% |
| Montana | $2,417.74 | -$803.11 | -33.22% |
| North Carolina | $3,078.65 | -$314.46 | -10.21% |
| North Dakota | $2,560.53 | -$1,605.32 | -62.69% |
| Nebraska | $2,438.71 | -$844.97 | -34.65% |
| New Hampshire | $2,185.46 | -$966.32 | -44.22% |
| New Jersey | $7,527.16 | $2,011.94 | 26.73% |
| New Mexico | $2,340.66 | -$1,122.98 | -47.98% |
| Nevada | $5,796.34 | $934.64 | 16.12% |
| New York | $4,484.58 | $194.70 | 4.34% |
| Ohio | $2,507.88 | -$201.84 | -8.05% |
| Oklahoma | $2,816.80 | -$1,325.53 | -47.06% |
| Oregon | $2,731.48 | -$736.29 | -26.96% |
| Pennsylvania | $2,744.23 | -$1,290.27 | -47.02% |
| Rhode Island | $2,406.51 | -$2,596.85 | -107.91% |
| South Carolina | $3,071.34 | -$709.80 | -23.11% |
| South Dakota | $2,306.23 | -$1,676.05 | -72.67% |
| Tennessee | $2,639.30 | -$1,021.59 | -38.71% |
| Texas | $2,879.94 | -$1,163.34 | -40.39% |
| Utah | $4,645.83 | $1,033.94 | 22.26% |
| Virginia | $2,268.95 | -$88.92 | -3.92% |
| Vermont | $4,382.84 | $1,148.71 | 26.21% |
| Washington | $2,499.78 | -$559.55 | -22.38% |
| West Virginia | $2,126.32 | -$469.04 | -22.06% |
| Wisconsin | $2,387.53 | -$1,218.53 | -51.04% |
| Wyoming | $2,303.55 | -$896.53 | -38.92% |
As you can see, out of the 50 states and D.C., State Farm is cheaper than a whopping 42. Take a look at your state and see if this is the case where you live.
Remember how we said that Progressive has the second-best financial strength rating from A.M. Best of A+? Well, State Farm has the highest rating they give: A++.
Furthermore, just like Progressive, State Farm offers a wide array of discounts. Chief among them is their Drive Safe & Save program. You just have to use your State Farm login on the mobile app.
Progressive vs. State Farm Car Insurance: Unveiling Claims Process Excellence
Ease of filing a claim
When it comes to the claims process, both Progressive and State Farm offer options for customers to file their claims conveniently. They provide multiple channels for filing claims, including online, over the phone, and through mobile apps.
This flexibility ensures that policyholders can choose the method that suits them best, whether they prefer the ease of online submissions, the convenience of a phone call, or the accessibility of mobile apps.
Average claim processing time
The efficiency of the claims process is a crucial factor for insurance customers. Both Progressive and State Farm strive to expedite claim processing to minimize the inconvenience caused by accidents or incidents. However, the average claim processing time can vary based on factors such as the complexity of the claim and the availability of required documentation.
It’s essential for policyholders to inquire about the typical turnaround time for claims with their chosen insurer.
Customer feedback on claim resolutions and payouts
Customer feedback plays a significant role in assessing the quality of an insurance company’s claims service. Policyholders often share their experiences regarding claim resolutions and payouts. Potential customers can benefit from reading these reviews to gauge the level of satisfaction among existing clients.
Positive feedback regarding fair and prompt claim settlements is a strong indicator of an insurer’s commitment to customer service.
Progressive vs. State Farm Car Insurance: Navigating Digital and Technological Features
Mobile app features and functionality
In today’s digital age, insurance companies are continually enhancing their mobile apps to provide policyholders with a seamless experience. Progressive and State Farm are no exception, offering mobile apps with various features and functionalities.
These apps allow customers to access policy information, make payments, request roadside assistance, and even file claims from the convenience of their smartphones. Evaluating the mobile app offerings can help customers determine which insurer aligns with their digital preferences.
Online account management capabilities
Effective online account management is a key component of a modern insurance experience. Both Progressive and State Farm provide online portals that enable policyholders to manage their accounts, review policy details, and make policy adjustments. These portals often include features like bill payment, policy document access, and claims tracking.
Customers should explore these capabilities to ensure they can efficiently manage their policies online.
Digital tools and resources
Insurance companies often offer digital tools and resources to assist policyholders in various aspects of their insurance journey. These tools may include premium calculators, coverage checklists, and educational resources. Progressive and State Farm may provide valuable digital resources to help customers make informed decisions about their insurance needs.
Exploring these offerings can empower policyholders to better understand their coverage options and make confident choices.
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The Bottom Line
So, all in all, both companies are solid choices. We just need to reiterate that when you’re choosing insurers, inquire about discounts. Stack up as many of them as you can.
Get a start on finding your next insurer simply by typing your ZIP code into our free and helpful tool below to find affordable car insurance quotes in your area. Which car insurance company is best for you? Find out now.
Frequently Asked Questions
What are Progressive and State Farm Car Insurance?
Progressive and State Farm are both well-known insurance companies that offer car insurance coverage. They provide various policies and options to protect your vehicle against damages, accidents, and other risks.
How do Progressive and State Farm differ in terms of coverage?
While both companies offer similar types of coverage, their specific policies and options may vary. It’s recommended to review their respective offerings to understand the differences in coverage limits, deductibles, and additional features, such as roadside assistance or rental car reimbursement.
Which company is better, Progressive or State Farm?
Choosing the “better” insurance company between Progressive and State Farm depends on your individual needs and preferences. It’s recommended to compare quotes, coverage options, and customer reviews for both companies to determine which one aligns better with your specific requirements.
How can I compare quotes from Progressive and State Farm?
To compare insurance quotes from Progressive and State Farm, you can visit their respective websites or contact their customer service. Provide accurate information about your vehicle, driving history, and desired coverage to receive personalized quotes from each company.
What factors should I consider when choosing between Progressive and State Farm?
When comparing Progressive and State Farm, consider factors such as coverage options, pricing, customer service quality, financial stability, discounts, and any unique features or benefits offered by each company. It’s also helpful to read customer reviews and seek recommendations from trusted sources.
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Your one-stop online insurance guide. Get free quotes now!
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.