Progressive vs. State Farm: Pros & Cons (2021)
Our Progressive vs State Farm car insurance guide will help you choose between the two insurers that are both have happy customers and low complaint ratios. We look at rates for both companies based on age, driving record, and credit score. State Farm has one of the cheaper auto insurance rates for drivers and better car insurance policy discounts, but Progressive is a better choice for drivers with bad credit.
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UPDATED: Aug 17, 2021
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- You can save 28 percent on auto insurance coverage for your teen driver by choosing State Farm over Progressive
- If you have a bad driving record, State Farm is a better choice than Progressive
- Progressive is the better option than State Farm if you have bad credit
- State Farm has a wider variety of and higher discounts
In our Progressive vs. State Farm auto insurance policy guide, we examine rates by age, gender, marital status, driving record, and credit score. We also compare discounts and ratings from credible agencies that rate all of the best auto insurance companies.
Keep reading to compare Progressive Insurance and State Farm Insurance, or enter your ZIP code to find affordable auto insurance rates in your area.
Is Progressive or State Farm auto insurance cheaper based on age?
The older we get, the more driving experience we have. This is why an auto insurance company or insurer uses age as one of the most influential factors in determining your auto insurance rates.
It’s also legal to base car insurance rates on marital status and gender in most states; however, some have outlawed it. Let’s compare Progressive and State Farm auto insurance rates based on age, gender, and marital status.
|Age, Gender, and Marital Status||Progressive Average Annual Rates||State Farm Average Annual Rates|
|Single 17-year-old female||$8,690||$5,954|
|Single 17-year-old male||$9,625||$7,324|
|Single 25-year-old female||$2,698||$2,336|
|Single 25-year-old male||$2,759||$2,555|
|Married 35-year-old female||$2,297||$2,082|
|Married 35-year-old male||$2,175||$2,082|
|Married 60-year-old female||$1,991||$1,874|
|Married 60-year-old male||$2,049||$1,874|
State Farm is a much better option if you have a young driver in your household. You’ll pay 28 percent more with Progressive to cover your teen driver.
When it comes to auto insurance for those of us 25 and older, State Farm is around 8 percent cheaper than Progressive.
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Is Progressive or State Farm auto insurance cheaper based on driving record?
Speeding tickets, accidents, or DUIs on your driving record will raise your auto insurance rates no matter what car insurance company you pick because you become a higher-risk driver.
|Infraction||Progressive Average Annual Rates||State Farm Average Annual Rates|
|With one speeding violation||$4,002||$3,186|
|With one accident||$4,777||$3,396|
|With one DUI||$3,970||$3,637|
If you have a speeding ticket or an accident on your record, State Farm is cheaper than Progressive. If you have a DUI, however, Progressive is a much better choice than State Farm.
It’s also important to take a closer look at how punitive each car insurance company is if you sign up with a clean driving record but then later get an infraction.
Progressive considers a customer a larger liability from causing an accident than getting a DUI. So, before you wonder, “why did my car insurance go up,” Progressive will increase your rates by 41 percent for causing an accident and only 17 percent if you get a DUI.
State Farm, however, will increase your rates by only 13 to 29 percent if you get a speeding ticket, cause an accident, or get a DUI.
Is Progressive or State Farm auto insurance cheaper based on credit score?
A good credit score can drop in a matter of months if you experience some type of financial trauma such as medical debt or going through a divorce.
In most states it is legal for auto insurance companies to base rates on your credit score; however, some are outlawing this along with basing rates on gender and marital status.
Based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file an insurance claim, car insurance companies justify using your credit score to determine your rates.
Let’s take a look at how Progressive and State Farm address rates for drivers with low credit scores.
|Credit Score||Progressive Average Annual Rates||State Farm Average Annual Rates|
|Good Credit (670-739)||$3,629||$2,174|
|Fair Credit Score (580-669)||$3,956||$2,853|
|Poor Credit Score (300-579)||$4,738||$4,951|
Progressive is the better choice if you have good or fair credit; however, State Farm’s rates are slightly lower for drivers with bad credit.
No matter what your credit score is, your rates will be cheaper with Progressive than with State Farm.
Once you are with Progressive, and your credit score drops, expect your auto insurance rates to increase by 31 percent as compared to State Farm which will more than double your rates.
Before you judge these two companies’ rates based on credit score alone, read about your state auto insurance requirements and examine rates from a variety of companies.
Hopefully, if you have bad credit, you live in a state that has outlawed this practice.
Does Progressive or State Farm have better auto insurance discounts?
Auto insurance company discounts vary widely and are usually based on a company’s values and philosophy. That’s why it pays to shop around, especially if you have a bad driving record or a low credit score. Discounts can help offset high rates.
|Discounts||Progressive Discounts Offered (Percentage)||State Farm Discounts Offered (Percentage)|
When comparing discounts offered by either company, Progressive has a total of eight auto insurance discounts and State Farm has a total of 17 discounts.
Progressive’s highest auto insurance discounts come to drivers who choose paperless documents. Safe drivers and those that use Progressive’s driving app will save 31 percent and 20 percent.
State Farm, however, rewards its customers with a 50 percent discount for using its driving app as well as 40 percent for having airbags or driving a new vehicle.
State Farm also has better discounts than Progressive for having low mileage (30 percent), being a good student (25 percent), or having multiple vehicles on your policy (20 percent).
The discounts offered by auto insurance companies often target specific types of drivers, so, when you get your State Farm and Progressive quotes, be sure to ask if there are any additional discounts. Who knows? Maybe Jake from State Farm will answer.
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What types of auto insurance coverages are offered by Progressive and State Farm?
Since both Progressive and State Farm are two of the 10 companies that make up the most of the market share, they have the means to offer a wider variety of auto insurance coverages that go beyond the standard six coverages, which are listed below.
Be sure you understand the various auto insurance coverage types before purchasing each one:
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Progressive or State Farm have better mobile apps?
Usage-based auto insurance has become an individualized trend in the last decade or so, and all of the bigger auto insurance companies have a driving app that uses your mobile phone or a device installed into your car.
Large auto insurance companies also provide a more general app to enable you to view your policy, make changes, and pay your bill. Usually, your Progressive insurance login or State Farm login will work with both the general app and the driving app.
Read our Progressive SnapShot review to learn how to use your Progressive login to get the app, and compare it to our State Farm Drive Safe & Save review to decide if usage-based auto insurance is right for you.
How do Progressive and State Farm compare in financial strength and customer satisfaction?
Buying auto insurance is a big financial responsibility, so you want to make sure you are choosing the right company that will be there for you when you need it.
A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be examined before you make your decision.
The following three agencies provide insight into these factors:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Progressive claims process and the State Farm claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints.
In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at external ratings for Progressive and State Farm.
|Rating Agency||Progressive||State Farm|
|AM Best Rating||A+||A++|
|NAIC Company Complaint Ratio||0.75||0.44|
|NAIC Total Complaints||120||1482|
Both Progressive and State Farm are highly rated for customer satisfaction with the claims process and future financial stability. Both companies have a reasonable complaint ratio, though State Farm has a higher number of complaints.
Ready to buy auto insurance? If you’re still unsure which company to choose, you can always use our free comparison tool to compare auto insurance quotes from the auto insurance companies in your area.