Progressive vs. State Farm: Which Is Better?
Progressive vs. State Farm rate comparison
Progressive vs. State Farm: Which is better?
State Farm is often better than Progressive for home and auto insurance. It has cheaper rates than Progressive for most drivers and homeowners. It also has mostly better customer service ratings.
Progressive is a better option if you need gap insurance
State Farm vs. Progressive comparisons
Progressive vs. State Farm: Best for car insurance rates
State Farm has better car insurance rates than Progressive for most drivers. For example, State Farm has cheaper full coverage car insurance at $1,604 a month, or $134 a month. This is 23% less than Progressive’s full coverage
State Farm also has cheaper liability-only insurance at $55 a month. This is 17% less than Progressive’s liability
Progressive vs. State Farm rate comparisons
| Company | Full coverage annual | Liability annual | LendingTree score | |
|---|---|---|---|---|
 | State Farm | $1,604 | $661 |  |
 | Progressive | $2,078 | $829 |  |
Your actual rates depend on factors like your driving record, location and, in most states, your credit. Each company treats these factors differently, and their rates vary by customer. This makes it good to compare car insurance quotes from a few different companies.
Progressive vs. State Farm car insurance rates by state
State Farm is cheaper than Progressive for typical drivers in most states. However, Progressive is cheaper in California, New York and four other states, plus the District of Columbia.
Full coverage auto rates by state
| State | Progressive annual | State Farm annual |
|---|---|---|
| Alabama | $2,813 | $1,231 |
| Alaska | $2,197 | $1,383 |
| Arizona | $2,025 | $1,652 |
| Arkansas | $3,017 | $1,359 |
| California | $1,745 | $2,158 |
| Colorado | $2,569 | $1,948 |
| Connecticut | $2,863 | $1,683 |
| Delaware | $2,495 | $1,787 |
| Florida | $3,560 | $1,957 |
| Georgia | $2,927 | $2,378 |
| Hawaii | $1,856 | $1,203 |
| Idaho | NA | $658 |
| Illinois | $1,817 | $1,455 |
| Indiana | $1,429 | $1,333 |
| Iowa | $1,447 | $1,050 |
| Kansas | $1,963 | $1,605 |
| Kentucky | $2,499 | $1,940 |
| Louisiana | $3,446 | $2,692 |
| Maine | $1,296 | $1,161 |
| Maryland | $2,057 | $1,408 |
| Massachusetts | $1,720 | NA |
| Michigan | $1,906 | $3,152 |
| Minnesota | NA | $1,369 |
| Mississippi | $1,887 | $1,144 |
| Missouri | $1,828 | $1,651 |
| Montana | $2,471 | $912 |
| Nebraska | $1,712 | $1,391 |
| Nevada | $2,723 | $2,294 |
| New Hampshire | $1,325 | $1,158 |
| New Jersey | $1,981 | $2,656 |
| New Mexico | $1,861 | $1,464 |
| New York | $1,201 | $2,456 |
| North Carolina | $823 | $958 |
| North Dakota | $1,564 | $1,333 |
| Ohio | $1,402 | NA |
| Oklahoma | $1,836 | $1,541 |
| Oregon | $1,778 | $1,302 |
| Pennsylvania | $2,907 | $1,512 |
| Rhode Island | $2,598 | NA |
| South Carolina | $2,174 | $1,981 |
| South Dakota | $2,132 | $1,289 |
| Tennessee | $2,591 | $1,506 |
| Texas | $2,636 | $1,341 |
| Utah | $1,665 | $2,762 |
| Vermont | $1,204 | $714 |
| Virginia | $2,041 | $1,390 |
| Washington | $2,015 | $1,180 |
| Washington, D.C. | $2,123 | $2,324 |
| West Virginia | $1,844 | $1,535 |
| Wisconsin | $1,758 | $1,419 |
| Wyoming | NA | $1,196 |
Cheaper quotes after a ticket or accident: State Farm
State Farm has cheaper car insurance for a bad driving record than Progressive. State Farm’s rates after a speeding ticket average $146 a month for full coverage. This is 36% less than Progressive’s rate of $227 a month.
At $154 a month, State Farm charges drivers with an at-fault accident 40% less than Progressive.
State Farm vs. Progressive after a ticket or accident
| Company | Speeding ticket annual rate | Accident annual rate |
|---|---|---|
| State Farm | $1,755 | $1,846 |
| Progressive | $2,728 | $3,102 |
Cheaper car insurance with a DUI or bad credit: Progressive
Progressive is cheaper than State Farm if you have a DUI or bad credit. Progressive’s DUI insurance rates average $221 a month for full coverage. This is 32% less than State Farm’s rate of $325 a month.
At $302 a month, Progressive charges 44% less for bad-credit car insurance than State Farm.
Auto rates with a DUI or bad credit
| Company | DUI annual rate | Bad credit annual rate |
|---|---|---|
| Progressive | $2,656 | $3,621 |
| State Farm | $3,901 | $6,484 |
Cheaper quotes for teen drivers: State Farm
At $174 a month for minimum coverage, State Farm has cheaper car insurance for teens than Progressive. Progressive’s rate is 49% higher at $259 a month. Progressive charges teens an average of $703 a month for full coverage. This is 84% higher than State Farm’s rate of $381 a month.
Young driver car insurance rates
| Company | Liability annual rate | Full coverage annual rate |
|---|---|---|
| State Farm | $2,082 | $4,577 |
| Progressive | $3,111 | $8,434 |
Progressive vs. State Farm: Best car insurance discounts
State Farm and Progressive both offer several common car insurance discounts. These include discounts for bundling and teens with good grades. Each company also offers a few discounts that the other doesn’t have.
- Progressive gives you a discount for owning a home, regardless of your home insurance company. It also gives parents a discount just for adding their teen driver to their car insurance policy.
- State Farm gives teens a discount for completing an approved driver training program. State Farm also gives older drivers a discount for taking a defensive driving class.
- Both companies have usage-based insurance (UBI) programs. These usually use a smartphone app to monitor how safely you drive. Progressive’s Snapshot app may raise your rate if it detects bad driving. State Farm’s Drive Safe and Save app doesn’t increase your rate.
Progressive vs. State Farm auto discount comparison
| Discount | Progressive | State Farm |
|---|---|---|
| Multipolicy (bundling) | ||
| Homeowner | ||
| Driver training | ||
| Defensive driving | ||
| UBI program | ||
| New teen driver | ||
| Good student |
Progressive vs. State Farm: Best car insurance coverage
Progressive has a few car insurance coverage options that you can’t get from State Farm.
These include:
- A form of gap insurance called loan/lease payoff
- Paid and free options for accident forgiveness
- Coverage for your vehicle’s custom parts and accessories
- Coverage for injuries your pet suffers in a car accident
State Farm largely sticks to basic car insurance coverage types like liability, collision
State Farm does offer add-on car insurance coverage for rideshare drivers
Progressive vs. State Farm: Cheapest home insurance
State Farm has cheaper home insurance than Progressive. Its rates for a typical home average $2,427 a year. This is 8% less than Progressive’s rate of $2,648 a year. Both companies charge less than the national average of $2,801 a year.
Home insurance rate comparison
| Company | Annual rate | LendingTree score |
|---|---|---|
| State Farm | $2,427 | |
| Progressive | $2,648 | |
Progressive offers its own home insurance and policies from other companies in its network. These include regional companies like Plymouth Rock as well as larger ones like Nationwide. These companies may have different coverage options and discounts than Progressive normally offers.
State Farm only offers its own policies, with some exceptions. Both companies also offer renters insurance — and a discount for bundling it with your auto policy.
Progressive vs. State Farm: Best home insurance discounts
Progressive offers a few more homeowners insurance discounts than State Farm does. These include a discount for buying a home. Getting a quote at least 10 days before your policy starts helps you save more.
Both companies give you discounts for bundling and having home security devices. In many states, State Farm also gives you a discount for having an impact-resistant roof.
Progressive vs. State Farm home insurance coverage options
Progressive has a few more home insurance coverage options than State Farm. These include add-on protections for water backups
Both companies’ standard policies offer the basics of home insurance. This includes coverage for:
- Your home or dwelling
- Other structures on your property
- Your personal property or belongings
- Loss of use for temporary living expenses after a covered disaster
- Personal liability for injuries or damage you cause to someone else
- Guest medical expenses for visitors injured on your property
Home insurance in general does not cover floods or earthquakes. Most Progressive and State Farm agents can help you get separate insurance for these risks.
Best customer service ratings: State Farm
State Farm has better home and auto satisfaction ratings from J.D. Power than Progressive. This means its customers are happier about things like price, coverage options and service.
State Farm also has a better home complaint rating from the National Association of Insurance Commissioners (NAIC). This means it does a better job handling home insurance claims than Progressive.
The NAIC gives Progressive a slightly better auto complaint rating than State Farm. Fortunately, both companies’ auto complaint ratings are better than the industry average.
State Farm also has a better LendingTree score for car insurance than Progressive. This is largely due to its lower rates. The companies have identical home insurance scores. Although State Farm has cheaper home insurance, Progressive has more coverage options and discounts.
Progressive vs. State Farm ratings
| Rating | Progressive | State Farm |
|---|---|---|
| Auto satisfaction* | 622 | 657 |
| Auto complaint rating** | 0.6 | 0.8 |
| LendingTree auto score | 4 stars | 4.5 stars |
| Home satisfaction* | 634 | 643 |
| Home complaint rating** | 1.7 | 1.2 |
| LendingTree home score | 4 stars | 4 stars |
**NAIC 2024 Complaint Index. Average is 1.0; lower is better.
How to get insurance quotes from Progressive and State Farm
Progressive and State Farm both offer home and auto insurance quotes online. You can visit each company’s website to get started. You can also use a comparison site like LendingTree to get quotes from both companies and others.
Both companies also have insurance agents available in most communities. State Farm has captive, or exclusive, agents. A State Farm agent can only provide quotes for State Farm policies.
Progressive works with independent agents. An independent agent can get you quotes from several different companies, including Progressive. This can make it a little easier to comparison shop. However, you’ll still have to contact captive agent companies separately to see their rates.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of car and home insurance from across the U.S. Prices are shown for comparative purposes only. Your own rates may be different.
Auto insurance quotes are for a 30-year-old man with good credit, a clean driving record and a 2015 Honda Civic EX. Young driver rates are for an 18-year-old male.
Liability policies provide the required minimum limits to drive legally, which vary by state. Full coverage policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Homeowners insurance quotes are for policies with these coverages and limits:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Liability: $100,000
- Medical payments: $5,000
- All perils deductible: $1,000
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For LendingTree scores, our team of insurance experts rated insurance companies in several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. Each category was weighted to reflect what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the NAIC and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.