Progressive vs. State Farm Car Insurance: Which Is Better in 2025?

State Farm excels in customer service and financial stability, while Progressive offers affordable rates and digital innovation. Your choice depends on what matters most to you.

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Nick Versaw
Edited byNick Versaw
Nick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

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Reviewed byJohn Leach
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).

He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.

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Although they’re two of the largest insurers in the U.S., Progressive and State Farm have different philosophies when it comes to auto insurance. Progressive focuses on competitive digital pricing and technology-driven features, while State Farm emphasizes personal relationships through its network of local agents.

Progressive typically attracts price-conscious drivers with its streamlined online experience and usage-based discounts. On the other hand, State Farm appeals to customers who value face-to-face service. That said, both companies boast some of the lowest average premiums in the industry, according to our analysis.

Your choice between them often comes down to whether you prioritize things like a digital-first approach or prefer having a dedicated agent to guide you through claims and coverage decisions.

Here’s everything you need to know about how State Farm and Progressive compare.

Key Takeaways
  • State Farm earns higher overall ratings for customer satisfaction while still maintaining some of the cheapest rates in the industry.

  • Progressive tends to be a great option for high-risk drivers with histories of accidents, tickets, and driving under the influence (DUI) convictions.

  • Both companies offer comprehensive coverage options and discount programs, though their telematics programs work differently to reward safe driving habits.

Progressive Auto Insurance Overview

Progressive logo
User Reviews
3.2
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.3 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$173/mo
3.2
A solid optionBased on 552 verified guest reviews and ratings
How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (266)
Michael
Verified Review
Irritated
Reviewed in Utah on July 2025
They raised my rates when someone backed into me. I don’t think I should be paying commission every month when the agent is earning it.
Lamont
Verified Review
Discounts don't matter.
Reviewed in New Jersey on July 2025
Rates unnecessarily keep going up.
Gary
Verified Review
Expensive
Reviewed in Louisiana on July 2025
The price is causing me difficulty.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive has made its mark by focusing on competitive pricing and a digital-first approach. The company offers straightforward online quoting and policy management, making it easy to get coverage quickly.

You’ll find standard coverage options like liability, collision, and comprehensive, plus useful add-ons like gap coverage and custom parts coverage.

Progressive's Snapshot program lets you potentially save money based on your driving habits, which can be especially valuable if you’re a safe driver. The company also offers unique features like pet injury coverage and its Deductible Savings Bank, which reduces your deductible by $50 for every six months you go without a claim.

Pros
  • Competitive online rates

  • Highly rated usage-based program

  • Strong digital tools

Cons
  • Limited local agent network

  • More customer complaints

  • Fewer loyalty benefits

State Farm Auto Insurance Overview

State Farm logo
User Reviews
3.9
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.7 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
3.9
A solid optionBased on 548 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (288)
Carol
Verified Review
Expensive
Reviewed in Georgia on July 2025
Check around and compare pricing.
Alvin
Verified Review
Quality of Coverage vs Cost
Reviewed in Florida on July 2025
The issue is the cost for coverage.
Steve
Verified Review
Hail Damage Claim Denied
Reviewed in Florida on July 2025
The experience with home claims was horrible. Many claims were approved for hail damage, but mine was disapproved. They said the damage was caused by a hail storm when I was with another agency. If so, I never knew about it. This is the first home claim I have made. I bought this house new in 2015, and no claim for home insurance has ever been filed before.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm operates with a more traditional model, emphasizing personal relationships through its network of nearly 19,000 agents. This approach means you’ll have a dedicated local agent to help with claims, policy changes, and coverage questions.

The company offers all standard coverage types, including liability, collision, comprehensive, and additional options like rideshare coverage for Uber and Lyft drivers.

State Farm’s Drive Safe & Save program can provide discounts up to 30% based on your driving behavior, and you’ll get an initial discount just for enrolling. The company also offers strong bundling opportunities, with potential savings when you combine auto with home, renters, or other insurance products.

Pros
  • Extensive agent network

  • Strong financial ratings

  • Many discounts

Cons
  • May have higher base rates

  • Less attractive online pricing

  • Must work with an agent

How State Farm and Progressive Stack Up

Car insurance rates vary significantly based on your personal profile, location, and coverage needs. When choosing between these companies, you’ll want to consider factors beyond just price, including customer service quality, claims handling, financial stability, and the availability of agents in your area.

The table below shows how these two companies compare across key factors that matter most to drivers, according to our research.

Category
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Progressive
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State Farm
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Cost4.3/55/5
Customer satisfaction3.3/54.7/5
Policy management4.8/55/5
Availability5/55/5
Industry reputation4.7/55/5
Overall Score4.50/55.0/5

The two companies score quite well across these metrics, but State Farm sets itself apart when it comes to customer satisfaction. The company boasts some of the highest scores in the industry across several third-party studies, including J.D. Power.[1]

But with each company scoring so well, that means Progressive could be better for certain drivers, regardless of State Farm’s near-perfect score. The best way to find out which one is right for you is to compare personalized quotes from both (and ideally even more companies).

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Progressive vs. State Farm: Which Is Cheaper?

Insurance companies calculate rates based on dozens of factors, including your age, driving record, credit history, and where you live. What you pay for coverage can vary dramatically from what your neighbor pays, even with the same company.

For that reason, neither State Farm nor Progressive will be the cheapest option for every driver. To give you a better idea of which might be the best choice for you, here’s how the two companies’ average rates compare for a variety of driver types.

Driver Type
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Progressive
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State Farm
sort ascsort desc
Industry Average
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All drivers$173$109$177
Teens$301$220$339
Seniors$100$79$151
Recent ticket$202$135$223
Recent accident$220$139$232
DUI conviction$243$158$257
Poor credit$198$174$215
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Progressive and State Farm rates by state

Where you live plays a big role in how much you pay for auto insurance. That’s because factors like local accident rates, weather patterns, and state insurance requirements all can affect rates in different ways. For example, some states require additional coverage types like personal injury protection, while others have higher minimum liability limits.

Here’s how the two companies compare across the U.S., according to Compare.com data.

Average Progressive and State Farm Premiums

State
sort ascsort desc
Progressive
sort ascsort desc
State Farm
sort ascsort desc
Alabama$118$93
Alaska$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_AK_PRICE}$139
Arizona$206$134
Arkansas$145$85
California$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_CA_PRICE}$279
Colorado$156$114
Connecticut$198$154
Delaware$186$184
Florida$202$115
Georgia$173$143
Hawaii$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_HI_PRICE}$138
Idaho$110$49
Illinois$116$85
Indiana$123$81
Iowa$135$43
Kansas$125$95
Kentucky$153$159
Louisiana$173$106
Maine$86$82
Maryland$257$269
Massachusetts$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_MA_PRICE}$76
Michigan$204$221
Minnesota$123$88
Mississippi$162$73
Missouri$129$114
Montana$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_MT_PRICE}$63
Nebraska$98$130
Nevada$173$96
New Hampshire$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_NH_PRICE}$96
New Jersey$351$432
New Mexico$188$135
New York$447$201
North Carolina$82$147
North Dakota$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_ND_PRICE}$41
Ohio$103$72
Oklahoma$126$79
Oregon$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_OR_PRICE}$96
Pennsylvania$150$77
Rhode Island$253$160
South Carolina$170$116
South Dakota$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_SD_PRICE}$90
Tennessee$103$90
Texas$192$96
Utah$142$115
Vermont$141$30
Virginia$136$103
Washington$322$111
District of Columbia$280$298
West Virginia$119$80
Wisconsin$93$61
Wyoming$${AUTO_CARRIER_PROGRESSIVE_FULL_STATE_WY_PRICE}$51

State Farm vs. Progressive: Which Has Better Coverage?

No two companies offer the exact same coverage options. While every insurer must offer at least state-minimum policies in the states they serve, optional coverages can vary dramatically. For example, some companies offer specialized coverage for Uber or Lyft drivers, while others have unique coverage options that no other company offers.

Progressive and State Farm both offer standard auto insurance coverage types. But they differ in their optional add-ons and special features.

Here’s how their coverage options compare, based on our research.

Coverage Type
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Progressive
sort ascsort desc
State Farm
sort ascsort desc
Liability coverage
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist
Medical payments
Personal injury protection
Roadside assistance
Rental car reimbursement
Gap coverage
Custom parts coverage 
Pet injury coverage 
Rideshare coverage

Progressive offers some unique coverage options like pet injury protection and custom parts coverage for modified vehicles. State Farm focuses more on traditional coverage types but includes helpful options like travel expense coverage for accidents far from home.

State Farm vs. Progressive: Which Has Better Discounts?

Both companies offer multiple ways to save on your premium, though their discount programs emphasize different areas. Here’s how they compare, based on our research.

Discount Type
sort ascsort desc
Progressive
sort ascsort desc
State Farm
sort ascsort desc
Multi-policy bundling
Multi-car
Good student
Safe driver
Defensive driving course 
Anti-theft device 
Vehicle safety features 
Online quote 
Paperless billing 
Pay in full
Automatic payment 
Homeowner 
Continuous coverage 

Progressive tends to offer more discounts for digital interactions and policy management choices, while State Farm focuses more on vehicle-based discounts and traditional safe driving programs. That said, discount availability can vary by state, so check with your agent first.

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State Farm vs. Progressive: Which Has Better Reviews?

Customer reviews provide valuable insight into how well each company handles claims, customer service, and day-to-day policy management. Reading recent feedback from customers can help you understand what to expect from each company’s service.

Here’s what recent Compare.com customers have to say about their experiences with Progressive and State Farm.

Carol
Verified Review
Expensive
Reviewed in Georgia on July 2025
Check around and compare pricing.
Alvin
Verified Review
Quality of Coverage vs Cost
Reviewed in Florida on July 2025
The issue is the cost for coverage.
Steve
Verified Review
Hail Damage Claim Denied
Reviewed in Florida on July 2025
The experience with home claims was horrible. Many claims were approved for hail damage, but mine was disapproved. They said the damage was caused by a hail storm when I was with another agency. If so, I never knew about it. This is the first home claim I have made. I bought this house new in 2015, and no claim for home insurance has ever been filed before.
Robert
Verified Review
Good
Reviewed in South Carolina on July 2025
Good service.
Michael
Verified Review
Irritated
Reviewed in Utah on July 2025
They raised my rates when someone backed into me. I don’t think I should be paying commission every month when the agent is earning it.
Lamont
Verified Review
Discounts don't matter.
Reviewed in New Jersey on July 2025
Rates unnecessarily keep going up.
Gary
Verified Review
Expensive
Reviewed in Louisiana on July 2025
The price is causing me difficulty.
Peter
Verified Review
I'd be a little courteous & just say awfully disappointed
Reviewed in Florida on July 2025
I had an average $600 discount for a Snapshot and was promised it would continue on the day of the update. I paid for a full 6 months and was asked to call on the day the update starts for them to send me the reimbursement. When I called, I was told that I have to take the Snapshot test again for the discount, even though it's the same driver and same car. Being that I was with Progressive for many years and very satisfied with grade 5, I stayed with them. So my disappointing experience with them is due to the Snapshot event.

Snapshot vs. Drive Safe & Save

Smiling woman in a gray blazer talks on a phone at a desk with a laptop, surrounded by green plants.

Usage-based insurance programs are an increasingly popular way to save money on car insurance. But savings largely depend on how safely you drive.

These programs work well for drivers who practice safe habits like avoiding hard braking, maintaining steady speeds, and driving during safer hours. But they may not be a good fit if you like to speed or drive at night.

Progressive's Snapshot program uses a mobile app to track your driving behavior, with potential savings averaging $322 per year for safe drivers, according to the company’s website.

State Farm’s Drive Safe & Save program advertises up to 30% savings and gives you an initial discount just for enrolling. The program tracks mileage and basic driving characteristics through its mobile app, updating your discount at each policy renewal based on your driving patterns.

Progressive vs. State Farm FAQsFrequently Asked Questions

Here are answers to some of the most common questions about these two insurance companies.

  • Is State Farm or Progressive better?

    Neither company is universally better. The right choice depends on your priorities and needs. State Farm typically excels in customer service and claims handling thanks to its extensive agent network. Progressive often offers more competitive rates for high-risk drivers and has several innovative digital tools.

  • Which car insurance company is the best?

    The best car insurance company depends on your specific needs, budget, and preferences. We found that State Farm, GEICO, and Allstate are great options for most drivers. Still, the only way to find the best company for you is to compare personalized quotes from as many as possible. Insurance-comparison sites can help.

  • Is Progressive cheaper than State Farm?

    It depends. Pricing varies significantly based on factors like your age, location, driving record, coverage needs, and discount eligibility. But looking at national average rates, State Farm typically runs $173 per month, while Progressive averages $109 per month.

Disclosure

Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.

We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. J.D. Power. "2025 U.S. Auto Insurance Study."
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