Progressive vs. State Farm Car Insurance (2023)
When comparing Progressive vs. State Farm, a good place to start is price. Both companies actually offer fairly competitive pricing, but State Farm has the edge. Both companies also offer a vast amount of discounts to fit your life. We must stress how important it is to take advantage of these and to compare car insurance rates before making a choice.
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Written by
D. Gilson, PhD |
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jun 17, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 17, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
On This Page
- Progressive is cheaper than 19 states’ averages.
- Progressive offers a variety of discounts, including Snapshot.
- State Farm is cheaper than 42 states’ averages.
If you’re here, you’re probably trying to decide between Progressive and State Farm as your next, or possibly first, insurer. You’re in the right place. So, Progressive vs. State Farm, which company is best for you?
If you’re looking to get more information about State Farm, read our review article on the State Farm mobile app pocket agent.
If you are already ready to buy car insurance, type your ZIP code into our free tool above to find affordable car insurance rates in your area. You may even be able to get Progressive insurance and State Farm insurance quotes.
What Progressive Can Do For You
The best way to start is to check out Progressive’s rates. Later on, we can compare them to State Farm’s. For now, let’s take a look at a table showing Progressive’s rates in comparison to state averages.
| State | Average Monthly Rates | Compared to State Average Rates (+/-) | Percentage Change from State Average Rates (+/-) |
|---|---|---|---|
| Alaska | $255.24 | -$29.89 | -0.98% |
| Alabama | $370.88 | $73.63 | 1.65% |
| Arkansas | $442.67 | $98.93 | 1.86% |
| Arizona | $298.13 | -$16.12 | -0.45% |
| California | $237.47 | -$69.94 | -2.45% |
| Colorado | $352.66 | $29.63 | 0.70% |
| Connecticut | $410.03 | $25.12 | 0.51% |
| District of Columbia | $414.19 | $44.25 | 0.89% |
| Delaware | $348.49 | -$150.37 | -3.60% |
| Florida | $465.28 | $75.24 | 1.35% |
| Georgia | $374.94 | -$38.97 | -0.87% |
| Hawaii | $181.49 | -$31.48 | -1.45% |
| Iowa | $199.63 | -$48.82 | -2.04% |
| Idaho | -- | -- | -- |
| Illinois | $294.72 | $19.26 | 0.55% |
| Indiana | $324.83 | $40.25 | 1.03% |
| Kansas | $345.37 | $72.06 | 1.74% |
| Kentucky | $462.30 | $29.35 | 0.53% |
| Louisiana | $622.59 | $146.65 | 1.96% |
| Maine | $303.63 | $57.53 | 1.58% |
| Maryland | $341.24 | -$40.65 | -0.99% |
| Massachusetts | $319.59 | $96.36 | 2.51% |
| Michigan | $447.05 | -$427.84 | -7.98% |
| Minnesota | -- | -- | -- |
| Missouri | $284.93 | $7.52 | 0.22% |
| Mississippi | $359.07 | $53.69 | 1.25% |
| Montana | $360.90 | $92.49 | 2.14% |
| North Carolina | $198.55 | -$84.21 | -3.53% |
| North Dakota | $301.92 | -$45.23 | -1.25% |
| Nebraska | $313.17 | $39.53 | 1.05% |
| New Hampshire | $224.54 | -$38.11 | -1.41% |
| New Jersey | $331.06 | -$128.54 | -3.24% |
| New Mexico | $259.93 | -$28.71 | -0.92% |
| Nevada | $338.55 | -$66.59 | -1.64% |
| New York | $314.26 | -$43.23 | -1.15% |
| Ohio | $286.41 | $60.60 | 1.76% |
| Oklahoma | $402.70 | $57.50 | 1.19% |
| Oregon | $302.43 | $13.45 | 0.37% |
| Pennsylvania | $370.92 | $34.71 | 0.78% |
| Rhode Island | $435.92 | $18.98 | 0.36% |
| South Carolina | $381.09 | $66.00 | 1.44% |
| South Dakota | $312.73 | -$19.12 | -0.51% |
| Tennessee | $304.74 | -$0.33 | -0.01% |
| Texas | $388.72 | $51.78 | 1.11% |
| Utah | $319.18 | $18.18 | 0.48% |
| Virginia | $208.22 | $11.73 | 0.47% |
| Vermont | $434.76 | $165.25 | 3.17% |
| Washington | $267.46 | $12.52 | 0.39% |
| West Virginia | -- | -- | -- |
| Wisconsin | $260.74 | -$39.76 | -1.27% |
| Wyoming | $366.76 | $100.09 | 2.27% |
| Average | $327.95 | $22.87 | 0.58% |
As you can see, when it comes to the states where Progressive is available, the company is cheaper in 19 states. In fact, in some states, the difference is huge. Look at Michigan, where Progressive is an astounding 95.7 percent cheaper.
Keep in mind that if you live in Minnesota, Idaho, and West Virginia, you will not be able to procure Progressive insurance.
Also, of note when comparing companies, is the company’s A.M. Best review. In the case of Progressive, they have the second-highest rating: A+. Let’s move on to what discounts Progressive offers.
Progressive Discounts
No matter which insurer you choose, make absolutely sure to inquire as to how many discounts you can procure. Let’s take a look at a table that compares Progressive’s discounts to Allstate’s. Just make sure to pay particular attention to Progressive in the final column.
| Discounts | Allstate Discounts Offered | Progressive Discounts Offered |
|---|---|---|
| Adaptive Cruise Control | ✘ | ✓ |
| Adaptive Headlights | ✘ | ✓ |
| Anti-lock Brakes | ✓ | ✓ |
| Anti-Theft | ✓ | ✓ |
| Daytime Running Lights | ✓ | ✓ |
| Electronic Stability Control | ✓ | ✓ |
| Utility Vehicle | ✓ | ✘ |
| Vehicle Recovery | ✓ | ✓ |
| VIN Etching | ✓ | ✓ |
| Lane Departure Warning | ✘ | ✓ |
| Newer Vehicle | ✓ | ✓ |
| Green Vehicle | ✓ | ✘ |
| Forward Collision Warning | ✘ | ✓ |
| Claim Free | ✓ | ✓ |
| Continuous Coverage | ✓ | ✓ |
| Defensive Driver | ✓ | ✓ |
| Distant Student | ✓ | ✓ |
| Driver's Ed | ✓ | ✓ |
| Driving Device/App | ✓ | ✓ |
| Early Signing | ✓ | ✓ |
| Family Legacy | ✓ | ✓ |
| Family Plan | ✓ | ✘ |
| Full Payment | ✓ | ✓ |
| Garaging/Storing | ✓ | ✘ |
| Good Credit | ✘ | ✓ |
| Good Student | ✓ | ✓ |
| Homeowner | ✘ | ✓ |
| Low Mileage | ✓ | ✓ |
| Loyalty | ✘ | ✓ |
| Married | ✘ | ✓ |
| Military | ✓ | ✘ |
| Multiple Policies | ✓ | ✓ |
| Multiple Vehicles | ✘ | ✓ |
| Occupation | ✓ | ✘ |
| Online Shopper | ✘ | ✓ |
| On Time Payments | ✓ | ✘ |
| Paperless Documents | ✓ | ✓ |
| Paperless/Auto Billing | ✓ | ✓ |
| Passive Restraint | ✓ | ✓ |
| Safe Driver | ✓ | ✓ |
| Senior Driver | ✓ | ✘ |
| Stable Residence | ✘ | ✓ |
| Switching Provider | ✘ | ✓ |
| Young Driver | ✘ | ✓ |
As you can see, Progressive offers a wide array of discounts. There are some discounts for additions to your vehicle, like adaptive headlights and anti-lock brakes. There are also some for having a new or particularly safe vehicle.
A big one to take note of is the safe driver discount. If you have had no tickets or accidents within the past three years, your policy could cost 31 percent less than those who have had tickets and/or accidents.
You can also use the Progressive app and get Progressive Snapshot. This utilizes customer driving habits data to specialize insurance rates for said customers All you have to do is either get the plug-in device or go through the Progressive insurance login steps on the app.
You can also read our Progressive Snapshot review.
Let’s move on to see how State Farm measures up to Progressive.
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What State Farm Can Do For You
Let’s get back to costs. Now, we’re going to compare State Farm’s rates to the state averages across the country. Take a look at the table.
| State | State Farm Average Rate | Higher/Lower ($) | Higher/Lower (%) |
|---|---|---|---|
| Alaska | $2,228.12 | -$1,193.39 | -53.56% |
| Alabama | $4,798.15 | $1,231.19 | 25.66% |
| Arkansas | $2,789.03 | -$1,335.95 | -47.90% |
| Arizona | $4,756.25 | $985.28 | 20.72% |
| California | $4,202.28 | $513.35 | 12.22% |
| Colorado | $3,270.77 | -$605.63 | -18.52% |
| Connecticut | $2,976.24 | -$1,642.68 | -55.19% |
| District of Columbia | $4,074.05 | -$365.20 | -8.96% |
| Delaware | $4,466.85 | -$1,519.48 | -34.02% |
| Florida | $3,397.67 | -$1,282.79 | -37.75% |
| Georgia | $3,384.88 | -$1,581.95 | -46.74% |
| Hawaii | $1,040.28 | -$1,515.36 | -145.67% |
| Iowa | $2,224.51 | -$756.77 | -34.02% |
| Idaho | $1,867.96 | -$1,111.13 | -59.48% |
| Illinois | $2,344.88 | -$960.60 | -40.97% |
| Indiana | $2,408.94 | -$1,006.03 | -41.76% |
| Kansas | $2,720.00 | -$559.62 | -20.57% |
| Kentucky | $3,354.32 | -$1,841.09 | -54.89% |
| Louisiana | $4,579.12 | -$1,132.22 | -24.73% |
| Maine | $2,198.68 | -$754.60 | -34.32% |
| Maryland | $3,960.87 | -$621.83 | -15.70% |
| Massachusetts | $1,361.86 | -$1,316.99 | -96.71% |
| Michigan | $12,565.52 | $2,066.88 | 16.45% |
| Minnesota | $2,066.99 | -$2,336.27 | -113.03% |
| Missouri | $2,692.91 | -$636.03 | -23.62% |
| Mississippi | $2,980.48 | -$684.09 | -22.95% |
| Montana | $2,417.74 | -$803.11 | -33.22% |
| North Carolina | $3,078.65 | -$314.46 | -10.21% |
| North Dakota | $2,560.53 | -$1,605.32 | -62.69% |
| Nebraska | $2,438.71 | -$844.97 | -34.65% |
| New Hampshire | $2,185.46 | -$966.32 | -44.22% |
| New Jersey | $7,527.16 | $2,011.94 | 26.73% |
| New Mexico | $2,340.66 | -$1,122.98 | -47.98% |
| Nevada | $5,796.34 | $934.64 | 16.12% |
| New York | $4,484.58 | $194.70 | 4.34% |
| Ohio | $2,507.88 | -$201.84 | -8.05% |
| Oklahoma | $2,816.80 | -$1,325.53 | -47.06% |
| Oregon | $2,731.48 | -$736.29 | -26.96% |
| Pennsylvania | $2,744.23 | -$1,290.27 | -47.02% |
| Rhode Island | $2,406.51 | -$2,596.85 | -107.91% |
| South Carolina | $3,071.34 | -$709.80 | -23.11% |
| South Dakota | $2,306.23 | -$1,676.05 | -72.67% |
| Tennessee | $2,639.30 | -$1,021.59 | -38.71% |
| Texas | $2,879.94 | -$1,163.34 | -40.39% |
| Utah | $4,645.83 | $1,033.94 | 22.26% |
| Virginia | $2,268.95 | -$88.92 | -3.92% |
| Vermont | $4,382.84 | $1,148.71 | 26.21% |
| Washington | $2,499.78 | -$559.55 | -22.38% |
| West Virginia | $2,126.32 | -$469.04 | -22.06% |
| Wisconsin | $2,387.53 | -$1,218.53 | -51.04% |
| Wyoming | $2,303.55 | -$896.53 | -38.92% |
As you can see, out of the 50 states and D.C., State Farm is cheaper than a whopping 42. Take a look at your state and see if this is the case where you live.
Remember how we said that Progressive has the second-best financial strength rating from A.M. Best of A+? Well, State Farm has the highest rating they give: A++.
Furthermore, just like Progressive, State Farm offers a wide array of discounts. Chief among them is their Drive Safe & Save program. You just have to use your State Farm login on the mobile app.
The Bottom Line
So, all in all, both companies are solid choices. We just need to reiterate that when you’re choosing insurers, inquire about discounts. Stack up as many of them as you can.
Get a start on finding your next insurer simply by typing your ZIP code into our free and helpful tool below to find affordable car insurance quotes in your area. Which car insurance company is best for you? Find out now.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
|
Written by
D. Gilson, PhD |
|
Reviewed by
Leslie Kasperowicz
|