Progressive vs State Farm: Who has better car insurance? | finder.com

Progressive vs State Farm car insurance

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Progressive vs State Farm: Who has better car insurance?

The fourth-largest insurance company in the US, Progressive offers discounts via its unique program called Snapshot, which allows customers to pay based on how well and how much they drive instead of just traditional factors. Like Progressive, State Farm also provides discounts for its customers, including a multi-car discount and a vehicle safety discount, among others.

Both get high marks from the Better Business Bureau, with Progressive edging out ahead of State Farm’s B+ with an A+. It’s also known for consistently cheap rates, so if cost is the biggest factor for you, Progressive’s probably your best bet.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
Promoted
Progressive

Progressive

StateFarm

State Farm

About the provider Progressive is a household name and one of the largest car insurance companies in the US. Since its origins in 1937, customers have been flocking to Progressive for their insurance needs. It also offers discounts via Snapshot, a usage-based insurance program. Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.
Price Policy costs depend your personal situation. Visit Progressive for a quote based on your specific needs. Policy costs depend your personal situation. Visit State Farm for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* A+ B+
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Progressive

Progressive

StateFarm

State Farm

Good student Varies (B’s or better. Additional discount if away at school, 100+ miles away and 22 or younger) Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver
Good driver 31% (no tickets or accidents in the last three years) 3 years no moving violations or at-fault accidents
Pay in full
Multicar 10% Up to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts Automatic bill pays — discount varies

Sign documents online — 7% (not available in CA, GA or NC)

Minor child driver – Varies (newly licensed child, 18 and under)

Continuous insurance (maintained active car insurance with no gaps or cancellations)

Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app


Vehicle discounts

Progressive

Progressive

StateFarm

State Farm

Anti-theft device
Anti-lock brake
Passive restraints Up to 40% (medical-related coverage, vehicle made in 1994 or later)
Air bag
Other discounts Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)

Bottom line

If you’re looking for a pay-in-full discount, Progressive is the clear winner. But if you’ll be insuring multiple cars, State Farm offers up to a 20% discount. Compared to Progressive’s 10% discount, that can add up to big savings. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to State Farm and Progressive

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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