Progressive vs. State Farm Auto Insurance (2021)

When comparing Progressive vs. State Farm auto insurance, you’ll find that Progressive has lower rates for young and older drivers, but State Farm has lower rates for drivers in their 30s and 40s. Progressive and State Farm offer similar policies and discounts, but Progressive has better financial ratings. Comparing Progressive vs. State Farm auto insurance rates will help you determine the best fit.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 27, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Progressive has lower rates than State Farm for young and older drivers
  • State Farm has lower rates than Progressive for drivers in their 30s and 40s
  • Progressive has been rated better than State Farm by A.M. Best

Progressive and State Farm offer cheap auto insurance to customers. The company with the best rates depends on your age, but Progressive has better financial ratings. Comparing Progressive vs. State Farm will help you find the best choice.

Before starting this Progressive vs. State Farm comparison, enter your ZIP code to find free auto insurance quotes in your area.

Progressive vs. State Farm: What are their annual rates?

Comparing affordable Progressive vs. State Farm auto insurance rates will help you find the most cost-effective option. The following chart shows the annual Progressive and State Farm auto insurance rates based on age.

Progressive vs. State Farm: Average Annual Rates by Age
AgeProgressive Average Annual RatesState Farm Average Annual Rates
20$2,287$2,379
30$1,646$1,585
40$1,644$1,587
50$1,542$1,558
60$1,403$1,485
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, Progressive has lower rates for young and older drivers, but State Farm has lower rates for drivers in their 30s and 40s. Also, rates decrease as drivers age.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Progressive vs. State Farm: What coverages are available?

Examining Progressive vs. State Farm auto insurance company coverages will allow you to find the best fit. Customers can choose which coverages they prefer to create their ideal policy.

The basic coverages offered by Progressive and State Farm include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • Rideshare coverage

You can also obtain State Farm and Progressive non-owner car insurance. This coverage is for drivers that don’t own a vehicle. It covers drivers that would otherwise not have Progressive or State Farm uninsured motorist coverage.

Progressive vs. State Farm: What discounts are available?

Progressive and State Farm offer various car insurance discounts that help customers lower their monthly rates. The company with the best savings opportunities depends on the policyholder’s driving, coverages, and lifestyle.

Discounts offered by Progressive include:

  • Good student
  • Student away at school
  • Multiple policies
  • Multiple vehicles
  • Pay in full

Discounts offered by State Farm include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Airbags
  • Good driver
  • Driver training

As you can see, the two companies offer similar discounts, but State Farm offers a few more savings opportunities.

Progressive vs. State Farm: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file a claim.

Progressive has been rated an A+ by A.M. Best, an A2 by Moody’s, and an AA by S&P. These are excellent ratings, indicating that Progressive will provide a payout when you file a claim.

State Farm has been rated an A by A.M. Best, an A2 by Moody’s, and an AA by S&P. These are solid ratings but not at the top of each agency’s scale.

Progressive’s overall financial ratings are better than State Farm’s, but both companies are strong enough to provide payouts.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Progressive vs. State Farm: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints on their websites. The organizations have received complaints about Progressive and State Farm.

At the time of this comparison, the BBB has received 2,812 complaints in the past three years about Progressive. The company’s NAIC complaint index ratio is 1.05, indicating slightly more complaints than competitors of a similar size.

The BBB has received 1,302 complaints about State Farm over the past three years. According to the NAIC, State Farm’s complaint index ratio is 1.45, indicating more complaints than similarly-sized competitors.

While more complaints have been filed with the BBB about State Farm than Progressive, the complaint index ratios show that State Farm has higher overall customer satisfaction.

Progressive vs. State Farm: Do they offer roadside assistance?

Progressive and State Farm offer roadside assistance as an additional policy to customers. Those that choose to add this service will receive the following:

  • Towing
  • Battery service
  • Gas delivery
  • Flat tire repair
  • Locksmith

In most states, Progressive includes this service with comprehensive and collision. State Farm offers this service to all customers as an add-on for $12 per year. If you choose this service as an add-on, it will increase your Progressive or State Farm auto insurance quotes.

Progressive vs. State Farm: Do they have mobile apps?

Progressive and State Farm have mobile apps that are available on mobile devices. Customers can use their State Farm or Progressive auto insurance login to access digital ID cards, request roadside assistance, manage policies, and make payments.

Customers can also use their login to make a Progressive or State Farm online payment via the company websites.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Progressive vs. State Farm: How do you file a claim?

Progressive and State Farm allow customers to file claims through the mobile app, website, or by calling the claims department. Customers can contact the Progressive Insurance claims phone number at (800) 776-4737. State Farm customers can make claims by calling (800) 782-8332.

Progressive vs. State Farm: The Bottom Line

Customers looking to buy Progressive or State Farm auto insurance will find that the lowest price depends on your age.

The companies also have similar coverages, discounts, and financial ratings. Comparing Progressive vs. State Farm will help you determine the best choice.

Now that you’ve compared Progressive vs. State Farm, enter your ZIP code to get free auto insurance rates in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption