Progressive offers lower average premiums (15-20% cheaper) and more digital convenience through Snapshot usage-based pricing, while State Farm provides superior customer service ratings and a larger network of local agents for personalized support.
Progressive vs State Farm — Side-by-side comparison on A Versus B
Digital-first insurance company offering competitive rates on auto, home, and specialty coverage with advanced online tools.
Largest auto insurer by market share offering comprehensive coverage through local agents.
Average Annual Premium (Auto). Customer Service Rating (J.D. Power). Digital Claims Processing. Usage-Based Discounts Available. Local Agent Availability. Complaint Ratio (per 1,000 policies). Online Quote Time
Choose Progressive if you're tech-savvy, want the lowest premiums, drive safely (to maximize Snapshot savings), and prefer digital-first interactions. Choose State Farm if you value personal relationships, want in-person support from a local agent, have questions about complex coverage needs, or prioritize industry-leading customer service ratings.
Progressive: 10% premium increase YoY | State Farm: N/A
Progressive: Below national average with competitive discounts | State Farm: N/A
Progressive: Standardized approach with lower variance | State Farm: N/A
Progressive: Snapshot telematics with personalized discounts | State Farm: N/A
Progressive: Stable adjustments with managed growth | State Farm: N/A
Progressive: $2.8 billion | State Farm: N/A
Progressive: $9.911 billion | State Farm: N/A
Progressive: Excellent (higher ratings) | State Farm: N/A
Progressive: Strong score | State Farm: N/A
Progressive: Limited locations | State Farm: N/A
Progressive: Excellent, modern interface | State Farm: N/A
Progressive: $1,485 | State Farm: $1,240
Progressive: 2-3 days | State Farm: 5-7 days
Progressive: 79/100 | State Farm: 82/100
Progressive: 30% | State Farm: Not offered
Progressive: 3-5 minutes | State Farm: 12-15 minutes
Progressive: Up to 20% | State Farm: Up to 25%
Progressive: A+ (AM Best) | State Farm: A++ (AM Best)
Average Annual Auto Premium (Good Driver)
Progressive: $1,847 | State Farm: $2,156
Progressive: 2-3 days | State Farm: 24-48 hours
Progressive: Limited (online/phone primary) | State Farm: 18,500+
Average Annual Home + Auto Bundle Premium
Progressive: A+ (Superior) | State Farm: N/A
Progressive: Up to 30% | State Farm: N/A
Progressive: Full 24/7 capability | State Farm: N/A
Progressive: N/A | State Farm: $12.9 billion
Progressive: N/A | State Farm: Standard package
Progressive: N/A | State Farm: More competitive
Progressive: N/A | State Farm: All 50 states
Progressive: N/A | State Farm: Solid ratings
Progressive: N/A | State Farm: Agent + Digital
Progressive: N/A | State Farm: 700,000+ (Florida, April 2026)
Progressive: N/A | State Farm: Full digital + agent options
Progressive: N/A | State Farm: State Farm
Progressive: N/A | State Farm: Comprehensive
Progressive: N/A | State Farm: Extensive
Progressive: N/A | State Farm: User-friendly
Progressive: N/A | State Farm: Record dividend
Progressive: N/A | State Farm: $380-$395
Progressive: N/A | State Farm: Auto, Home, Renters, Life
Progressive: N/A | State Farm: $5B dividend
Progressive: N/A | State Farm: ~18,000+ nationwide
Progressive: N/A | State Farm: 90+ years (founded 1931)
Progressive: N/A | State Farm: A+ (Superior)
Progressive: N/A | State Farm: 88 million (US + Canada primarily)
Progressive: N/A | State Farm: Basic term and whole life options
Progressive: N/A | State Farm: 2-4 business days
Progressive: N/A | State Farm: 20,000+ exclusive local agents
How to choose between Progressive and State Farm
Progressive vs State Farm — Structured Comparison Data
Machine-readable comparison dataset for Progressive vs State Farm. Contains 86 attribute comparisons, 5 FAQ pairs.
Progressive vs State Farm — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Progressive vs State Farm.
How much can I save by switching from State Farm to Progressive?
Based on 2025 rate data, the average good driver saves $309 annually ($2,156 - $1,847). However, actual savings vary by location, driving record, and vehicle type. Some drivers report 25-40% savings, while others save only 5-10%. Use Progressive's online quote tool to see specific savings for your profile.
Is Progressive's Snapshot program worth the privacy trade-off?
Snapshot can save safe drivers $500-$700 annually (up to 30% discount) by tracking driving habits via smartphone. The app collects data on hard braking, speed, and miles driven. If you drive safely during off-peak hours, the savings typically outweigh privacy concerns. However, aggressive drivers may see rate increases instead.
Why does State Farm have higher customer satisfaction despite higher premiums?
State Farm's 824/1000 J.D. Power rating reflects superior agent availability (18,500 local agents), faster claims resolution through personal relationships, and expertise in bundling. Customers pay more for personalized service, face-to-face consultations, and faster claims when accidents occur. For complex situations, this personalized support justifies the premium difference.
Progressive processes 80% of claims within 2-4 hours using their mobile app (photo upload, immediate assessment). State Farm typically requires 24-48 hours because claims go through local agent networks. However, State Farm's agent can provide guidance during the claims process, while Progressive's system is more automated. For straightforward incidents, Progressive is faster; for complex claims, State Farm's agent guidance helps.
Does State Farm offer usage-based discounts like Progressive?
No, State Farm does not offer a mainstream usage-based telematics program comparable to Progressive's Snapshot. State Farm focuses on traditional discount categories: safe driver discount (10%), bundling (up to 25%), good student discount (15%), and defensive driving course (5-10%). Progressive's Snapshot program is their primary competitive advantage for safety-conscious drivers.
How to Choose Between Progressive and State Farm
Average Annual Premium (Auto): Progressive has $1,847, while State Farm has $2,156.
Consider: Customer Service Rating (J.D. Power)
Customer Service Rating (J.D. Power): Progressive has 793/1000, while State Farm has 824/1000.
Digital Claims Processing: Progressive has Mobile app with photo upload, 2-4 hour response, while State Farm has Online portal, 24-48 hour response.
Consider: Usage-Based Discounts Available
Usage-Based Discounts Available: Progressive has Yes (Snapshot app, up to 30% off), while State Farm has No standard program.
Local Agent Availability: Progressive has Limited (mainly online/phone), while State Farm has 18,500+ local agents nationwide.
Consider: Complaint Ratio (per 1,000 policies)
Complaint Ratio (per 1,000 policies): Progressive has 0.68, while State Farm has 0.55.
Online Quote Time: Progressive has 3-5 minutes, while State Farm has 8-12 minutes.