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Compare Progressive vs. State Farm Car Insurance

What’s the difference between Progressive Car Insurance and State Farm Car Insurance? See how our editors compare the two companies below.
Last Updated: December 12, 2024
Progressive Car Insurance
4.7 / 5 - Excellent
#2 in Car Insurance
State Farm Car Insurance
4.3 / 5 - Excellent
no_rank
vs

Key Facts

  • Best for Customizable Coverage - Trusted by 28,000,000+ drivers
  • Competitive rates, tons of discounts available 
  • Fast, easy and reliable claims service available 24/7
  • Best for Reliable Claims Process
  • 24/7 customer service & strong network of local agents
  • Discounts for safe drivers and bundling

OVERALL RATINGS

 ProgressiveState Farm
Coverage5.0/54.5/5
Financial Strength4.8/54.5/5
Supplemental Coverage0.0/50.0/5
Pricing & Discounts4.8/54.5/5
Claims Satisfaction & Customer Experience5.0/54.5/5
Automation4.5/54.5/5

Coverage Compared

Basic Coverage

Progressive
vs
State Farm
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Progressive
vs
State Farm
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Vet Bills
  • Rental Reimbursement
  • Towing & Labor Cost

Coverage Fine Print

Loan/Lease Payoff or Gap Insurance - Protects drivers whose cars have been declared a total loss by paying up to 25% over the actual cash value towards the amount owed to the lender. Mobile App Driver Monitoring Devices
Mobile App 24/7 Claims Processing

What do their customers think?

National Association of Insurance Commissioners

 ProgressiveState Farm
NAIC Complaint Ratio
1.11
2.58
NAIC Total Complaints 2020
130
9,444

Customer Ratings

 ProgressiveState Farm
Trust Pilot Rating
4.7 out of 10
7.5 out of 10
BBB Rating
A+
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
5
Number of BBB Negative Reviews
153
Date Collected
2017-10-10
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 1.11) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.
*The NAIC Car Insurance complaint ratio (in this case 2.58) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Comparing Financial Stregnth

Key Details

 ProgressiveState Farm
Underwriter
Progressive Group
State Farm Mutual Automobile Insurance Company
Premiums Written 2020
$19,634,833,711
$39,194,660,434
Marketshare
9.17%
18.3%
AM Best Financial Rating
a
A++
Moody's Financial Rating
A2
A2
Standard & Poor's Financial Rating
A
AA
*The above information reflects the financial strength of the underwriter of the Progressive car insurance policies: Progressive Group.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

 ProgressiveState Farm
Per Mile Pricing Available?

Discounts

Progressive
vs
State Farm
  • Multiple Vehicle
  • Safe Driver
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Progressive
vs
State Farm
  • Full/Automatic Payment

Discounts Fine Print

Start your quote online (7% average discount) Sign your documents online (7% average discount) Minor child driver (discount varies)
Defensive Driving Course Discount - Customers in specific areas may qualify for an additional discount by taking a driver safety course.

Driver Training Discount - Offers a discount for vehicle operators under the age of 21 who complete an approved driver education course.

Passive Restraint Discount - 1993 and older vehicles equipped with a factory-installed air bag or other passive restraint systems can receive a discount up to 40% on medical-related coverage.

Contact & Additional Information

 ProgressiveState Farm
Homepage URL
Company Phone
(800) 776-4737
(800) 782-8332
Headquarters Address
The Progressive Corporation 6300 Wilson Mills Rd., Mayfield Village, OH, 44143
One State Farm Plaza, Bloomington, IL, 61710
Year Founded
1937
1922

Final Verdict

Progressive Car Insurance has a higher overall rating than State Farm Car Insurance. Progressive scores better than State Farm across: Coverage, Financial Strength, Pricing & Discounts, and Claims Satisfaction & Customer Experience. However, State Farm scores better on Supplemental Coverage. Both companies score similarly on Automation.


Customer Comments & Reviews

Carl M
8/25/2024
State Farm Car Insurance review
I had SF car insurance for over 50 years, with only about 4 claims in all that time. I also have had my Homeowners policy with them (combined, off and on) for about 15 years. You would think they would offer better loyal customer, senior, or military discounts than they do. With the gigantic increases this year (Homeowners went up over $600 py) for the first time, I am seriously considering going to a cut rate company so we can afford at least some coverage. Very disappointed in SF after being a loyal customer for so long!


kristinkelly1995
4/28/2021
Progressive Car Insurance review
Progressive was extremely helpful in providing me with a great rate and explaining everything that I was covered for!


J
Jim M
7/23/2020
Progressive Car Insurance review
Disagree with top rated company. I have zero accidents in the family, zero tickets, one home claim which was hail damage, all over last 5 years. Insurance on cars has increased $100 year and Home insurance close to $200 a year over last three years. Be careful, they get you, then bump you up. I just received another quote from very reputable company, same coverage and $600 less total for bundled coverage. Bye bye Progressive..


E
erlinda h
1/13/2020
State Farm Car Insurance review
Angel Hall state farm ins agency/Palm coast Florida....Brianna took all the informations from me for Auto and Homeowners policies! She was very friendly,,efficient and pleasant.. Although my coverage is not in effect yet,I feel that I would like the services of this agency! It's so close to home but first and foremost Ifeel very welcomed and important! Thank you ERLINDA HOUSE


Kiersten M
1/15/2019
State Farm Car Insurance review
Been insured with State Farm for over 27 years on homes and autos. I moved from Indiana to Florida almost 3 yrs ago...my rates have increased 5-10% every 6 months since moving to Florida, whereas I barely had even a $3 increase each YEAR, if any at all on the same vehicle, while living in Indiana. I believe agents, and their greediness, have A LOT to do with any insurance experience. I used the roadside assistance coverage for the first time in those 27 yrs and the experience was painless...I’ll never change another tire myself again, as the cost of coverage is pennies!


G
Golda Y
7/18/2018
State Farm Car Insurance review
We have had State Farm bundling everything since we were married 50 years ago. I think this insurance is as good as your agent. A good agent is an advocate for the client. I have never seen my current agent but she had a very competent & customer savvy front person. Since that person left after about 10 years, I am very disappointed. Nobody reviews my insurance or finds the discounts for us. I have to initiate and even when they are applied the rates still increase. I am thinking of looking at Shelter Insurance where the girl who was so customer friendly went. How often are the agents claiming credit that their staff deserves?


Johnette S
2/14/2018
Progressive Car Insurance review
We love Progressive! They have always given us prompt, courteous service. They return calls when they say they will. Our auto body shop said they really like working with Progressive. They arranged our rental car very efficiently as well as working with the auto body shop. They are also great about checking on us after the repairs. We will keep our car, truck, and motorhome with Progressive.


T
Tim D
12/18/2017
Progressive Car Insurance review
The biggest Improvement you can make would be allowing your customers to talk to the same customer service agent each time they call.