Progressive and State Farm have both been around for almost 100 years, and each has plenty of happy car insurance customers. Learn which one is the best choice for you in this Progressive Vs State Farm head-to-head comparison.
We can tell you right away that, in a competitive insurance market, both have great discounts and financial strength to fulfill claims. So, will Jake from State Farm bring it home for the red team, or will Flo steal it for the blue team?
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
To start comparing personalized car insurance quotes, we recommend that you call (844) 246-8209 or fill out the form below:
In this article:
- Progressive Vs State Farm: Highlights
- Progressive Vs State Farm: Coverage Options
- Progressive Vs State Farm: Cost And Discounts
- Progressive Vs State Farm: Ratings And Reviews
- Progressive Vs State Farm: Which Is Best For You?
- Other Top Insurance Companies
Progressive Vs State Farm: Highlights
Progressive car insurance has been in the insurance business since 1937. Since then, the company has introduced a number of innovations. For example, Progressive was the first major auto insurance company to launch a website, the first to sell premiums online, and the first to offer usage-based insurance. The company is the third largest auto insurer in the United States and wrote $31 billion in premiums in 2019, according to the NAIC.
As of 2021, State Farm auto insurance will have been in business for 99 years. It’s not quite the oldest car insurance company, but it is the largest in the United States – it wrote over $40 billion in premiums in 2019 according to the NAIC. It's important to mention that, while State Farm advertises availability in 50 states, the insurer is currently not accepting any new customers in Massachusetts or Rhode Island.
See the chart below to compare the two companies at a glance.
|Eligibility||No restrictions||No restrictions|
|Usage-Based Discount||Snapshot||Drive Safe and Save|
|AM Best Financial Strength Rating||A+||A++|
|J.D. Power Insurance Shopping Rating||848 / 1,000||860 / 1,000|
|J.D. Power 2020 U.S. Auto Insurance |
(average across all regions)
|829 / 1,000||838 / 1,000|
|Extras||Small accident forgiveness, large accident forgiveness, roadside assistance, rental reimbursement, gap insurance||Steer Clear young driver app, roadside assistance, rental reimbursement|
*Market share statistics are from a 2018 report by the National Association of Insurance Commissioners (NAIC). J.D. Power statistics are from the J.D. Power 2020 U.S. Insurance Shopping StudySM and the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM.
To compare personalized quotes from Progressive and State Farm with other major insurance providers, call (844) 246-8209 or use this tool:
Progressive Vs State Farm: Coverage Options
Both Progressive and State Farm offer the following basic car insurance coverage options:
|Coverage Type||What It Does|
|Bodily Injury Liability (BI)||This liability auto insurance coverage pays for the other party’s medical expenses and lost wages in accidents you cause. It has a limit per person and per accident.|
|Property Damage Liability (PD)||Property damage covers repairs to other cars in accidents that you cause. This coverage has a limit per accident.|
|Uninsured/Underinsured Motorist (UM/UIM)||This coverage protects you, your passengers, and your vehicle if you get hit by an uninsured or underinsured driver. It usually matches your liability limits.|
|Collision||Collision coverage repairs your car after an accident regardless of fault.|
|Comprehensive Car Insurance||This option pays to repair your car after damage from other events like hail or a flood.|
|Medical Payments (MedPay)||MedPay covers your medical expenses after an accident, no matter who caused it.|
|Personal Injury Protection (PIP)||This option pays for your medical bills, lost wages, and sometimes more after an accident regardless of fault. No-fault states require PIP coverage.|
When shopping for insurance, you’ll see liability limits written as three numbers, like this: 100/300/100. In this example, the limits provide $100,000 bodily injury per person, $300,000 bodily injury per accident, and $100,000 property damage liability. That might sound excessive, but it’s actually a good coverage level to have to avoid lawsuits with other drivers.
Additional Coverage With Progressive
Extra coverage options from Progressive include:
- Roadside assistance: Get coverage for lockouts, fuel delivery, flat tire changes, and towing.
- Rental car reimbursement: If your car has been in a covered accident, Progressive can cover the costs of a rental car up to the amount you specify. Be aware, rental car reimbursement might not cover the hours or days that your car sits in the shop waiting for repair authorization.
- Loan/lease payoff: With this option, Progressive will pay an additional 25 percent of your car’s value toward the amount you have left to pay on your loan.
- Custom parts and equipment value: Normally, aftermarket modifications aren’t covered for repairs. However, with this option, you can add your custom sound system or racing seats to your insurance coverage.
Additional Coverage With State Farm
In addition to the standard types of auto insurance coverage mentioned above, State Farm also offers:
- Car Rental Expenses: This option pays for a rental car after a covered claim.
- Travel Expenses: This pays for your meals, lodging, and transportation if you get into a covered accident over 50 miles from home.
- Rental Car Deductible: State Farm will pay $500 toward your deductible if you get into an accident while driving a rental car.
- Emergency Road Service: State Farm’s roadside assistance program covers up to one hour of mechanical labor at the site, towing to the nearest repair shop, lockout services, fuel delivery, spare tire changes, and jump starts.
Progressive Vs State Farm: Cost And Discounts
Buying insurance can be confusing. You might be looking at a policy with 10 or more types of coverages, and each of those affects your total price. Finding a combination under your budget takes time, but the Name Your Price Tool® can speed that up.
The Name Your Price Tool® lets you plug in your desired budget first. Then it shows you policy options that fit under your budget. It cuts out a good chunk of busy work, and you can still tweak your plan after you get recommendations.
Comparing Progressive vs State Farm, the number of discounts available from each company is the same, but the actual discount offerings vary. See a full comparison in the table below:
|Multi-Policy||Up to 5% off||Up to 17% off|
|Multi-Car||Up to 12% off||Up to 20% off|
|Good Student||Varies||Up to 25% off|
|Student Away At School||Varies||Varies|
|Usage-Based Discount||Average of $145 off||Up to 30% off|
|Online Quote||Up to 4% off||×|
|E-Signature||Up to 8.5% off||×|
|Pay In Full||Varies||×|
|Homeowner||Up to 10% off||×|
|Defensive Driving Course||×||Varies|
|Vehicle Safety||×||Up to 40% off PIP and MedPay|
|Passive Restraint||×||Up to 40% off PIP and MedPay|
|Steer Clear||×||Up to 15% off|
For some drivers, State Farm offers better discounts than Progressive. For example, if you’re a student, you could get 25 percent off with State Farm’s good student discount and another 15 percent off by completing the Steer Clear program. However, the quotes you see between Progressive vs State Farm can vary – you might find Progressive to be cheaper even after those discounts.
Neither State Farm nor Progressive provides discounts to seniors or members of the military. However, that doesn’t mean seniors or military personnel can’t find good rates from these companies.
Progressive Vs State Farm: Usage-Based Discounts
Progressive’s Snapshot program and State Farm’s Drive Safe and Save both provide usage-based discounts to good drivers, but what’s the difference?
If you’re thinking about joining Progressive’s Snapshot, consider yourself warned: Not everyone is a good driver, and not everyone gets discounts. In fact, about 20 percent of Snapshot program participants actually see their rates increase, according to Progressive. Rates can increase because of high-risk driving habits, not just by losing the introductory discount.
If you drive late at night and tend to take corners fast, Snapshot won’t be worth it. However, if you really are a good driver, it could pay off. You can save about $25 on your first policy and about $145 on average after that.
State Farm’s website says that drivers can save up to 30 percent with Drive Safe and Save. Drivers get a 5 percent discount for signing up. Drive Safe and Save tracks speeding, fast corners, hard braking, acceleration, and distracted driving. The good thing about this program is that it can’t raise your rate because of high-risk driving. Now, your rate might increase if you become ineligible for a low-mileage discount you previously had, but that’s different.
Progressive Vs State Farm: Ratings And Reviews
Comparing customer service between Progressive vs State Farm doesn’t tip the balance too heavily in either direction. State Farm scores high ratings in some areas but average ones in others. In the J.D. Power Auto Insurance Satisfaction study, State Farm scored higher than Progressive in six regions, while Progressive scored higher than State Farm in the other five.
Progressive’s customer service track record is average, which is an important thing to know when comparing Progressive vs State Farm. It’s not the best, but it’s not the worst. On J.D. Power’s Auto Claims Satisfaction Study, Progressive scored high in many regions. However, on the Insurance Shopping Study, Progressive came in second-to-last place among large insurers.
State Farm has an A+ rating from the Better Business Bureau (BBB), whereas Progressive scores an A-. Also, State Farm has fewer complaints on its BBB page than Progressive does, even though it has many more customers than Progressive.
Progressive Vs State Farm: Which Is Best For You?
Considering all the evidence, we think both of these companies would make a great choice for auto insurance. If you’re a student, it would be unwise to pass up a quote from State Farm. If you’re looking for affordable car insurance after college, Progressive is a great option. Plus, with Progressive’s comparison tool, you can also check out a few other companies at the same time.
We recommend getting free quotes from both providers to ensure that you are getting the best rate and coverage possible.
Other Top Insurance Companies
Speaking of getting multiple quotes, there are a few other great providers out there. We recently reviewed the best car insurance companies in the industry, and along with Progressive and State Farm, USAA and Geico rounded out our top four choices.
USAA: Best For Military
You should check out USAA if you or your family have any military affiliations. USAA tends to be an affordable option for those who qualify and can be cheaper than State Farm or Progressive. After comparing multiple insurance companies, USAA was the only provider that we gave five stars for its prices and reputation for great customer service. For more information, check out our USAA auto insurance review.
Geico: Best Overall Provider
It’s also a good idea to include Geico auto insurance in your search. Geico has affordable coverage and is one of the better options if you have a speeding ticket on your driving record. The point is to look at multiple rates so you don’t just pick the first quote you see, whether that’s from Progressive, State Farm, or another insurance company. For more information, check out our Geico auto insurance review.
Use our tool below or call (844) 246-8209 to start comparing car insurance quotes:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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