Progressive vs State Farm
type: Article
description: 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.
language: en-US
date published: 2026-07-07T21:29:39.753Z
date created: 2026-07-07T21:29:39.753Z
date modified: 2026-07-07T21:29:39.793Z
content reference time: 2026-07-07T21:29:39.793Z
author: A Versus B
publisher: A Versus B
about: Progressive
about: State Farm
abstract: 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.
text: 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
conclusion text: 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.
additional property: National Company Ranking (2026)
  type: PropertyValue
  value: Progressive: #5 | State Farm: N/A
additional property: Combined Ratio (Claims Efficiency)
  type: PropertyValue
  value: Progressive: 86.4% | State Farm: N/A
additional property: Premium Growth Rate (2026)
  type: PropertyValue
  value: Progressive: 10% premium increase YoY | State Farm: N/A
additional property: Average Rate vs National Average
  type: PropertyValue
  value: Progressive: Below national average with competitive discounts | State Farm: N/A
additional property: Gender Rate Variance (Widest Gap)
  type: PropertyValue
  value: Progressive: Standardized approach with lower variance | State Farm: N/A
additional property: Telematics/Usage-Based Program
  type: PropertyValue
  value: Progressive: Snapshot telematics with personalized discounts | State Farm: N/A
additional property: Rate Stability (2026)
  type: PropertyValue
  value: Progressive: Stable adjustments with managed growth | State Farm: N/A
additional property: Q1 2026 Net Income
  type: PropertyValue
  value: Progressive: $2.8 billion | State Farm: N/A
additional property: Combined Ratio
  type: PropertyValue
  value: Progressive: 86.4% | State Farm: N/A
additional property: Premium Growth Rate
  type: PropertyValue
  value: Progressive: 6-8% | State Farm: N/A
additional property: Net Premiums Written (Q1 2026)
  type: PropertyValue
  value: Progressive: $9.911 billion | State Farm: N/A
additional property: Consumer Review Ratings
  type: PropertyValue
  value: Progressive: Excellent (higher ratings) | State Farm: N/A
additional property: Insurify Quality Score
  type: PropertyValue
  value: Progressive: Strong score | State Farm: N/A
additional property: Local Agent Availability
  type: PropertyValue
  value: Progressive: Limited locations | State Farm: N/A
additional property: Digital Platform Experience
  type: PropertyValue
  value: Progressive: Excellent, modern interface | State Farm: N/A
additional property: Average Annual Full Coverage Premium
  type: PropertyValue
  value: Progressive: $1,485 | State Farm: $1,240
  value reference: State Farm
additional property: Claims Processing Time (Mobile)
  type: PropertyValue
  value: Progressive: 2-3 days | State Farm: 5-7 days
  value reference: Progressive
additional property: J.D. Power Customer Satisfaction Score
  type: PropertyValue
  value: Progressive: 79/100 | State Farm: 82/100
  value reference: State Farm
additional property: Maximum Usage-Based Discount
  type: PropertyValue
  value: Progressive: 30% | State Farm: Not offered
additional property: Online Quote Completion Time
  type: PropertyValue
  value: Progressive: 3-5 minutes | State Farm: 12-15 minutes
  value reference: Progressive
additional property: Number of Local Agents
  type: PropertyValue
  value: Progressive: 500+ | State Farm: 15,000+
  value reference: State Farm
additional property: Home & Auto Bundle Discount
  type: PropertyValue
  value: Progressive: Up to 20% | State Farm: Up to 25%
  value reference: State Farm
additional property: Financial Stability Rating
  type: PropertyValue
  value: Progressive: A+ (AM Best) | State Farm: A++ (AM Best)
additional property: Average Annual Auto Premium (Good Driver)
  type: PropertyValue
  value: Progressive: $1,847 | State Farm: $2,156
  value reference: Progressive
additional property: Customer Service Rating
  type: PropertyValue
  value: Progressive: 793 | State Farm: 824
  value reference: State Farm
additional property: Claims Processing Speed
  type: PropertyValue
  value: Progressive: 2-3 days | State Farm: 24-48 hours
  value reference: Progressive
additional property: Maximum Snapshot Discount
  type: PropertyValue
  value: Progressive: 30% | State Farm: 0%
  value reference: Progressive
additional property: Local Agent Network
  type: PropertyValue
  value: Progressive: Limited (online/phone primary) | State Farm: 18,500+
additional property: NAIC Complaint Ratio
  type: PropertyValue
  value: Progressive: 0.68 | State Farm: 0.55
  value reference: State Farm
additional property: Online Quote Time
  type: PropertyValue
  value: Progressive: 3-5 | State Farm: 8-12
  value reference: Progressive
additional property: Market Share
  type: PropertyValue
  value: Progressive: 12.1% | State Farm: 16.8%
additional property: Average Annual Home + Auto Bundle Premium
  type: PropertyValue
  value: Progressive: $1,520 | State Farm: N/A
additional property: Available Discount Categories
  type: PropertyValue
  value: Progressive: 28+ | State Farm: N/A
additional property: J.D. Power Customer Satisfaction (2025)
  type: PropertyValue
  value: Progressive: 775 | State Farm: N/A
additional property: AM Best Financial Strength Rating
  type: PropertyValue
  value: Progressive: A+ (Superior) | State Farm: N/A
additional property: Telematics Program Max Discount
  type: PropertyValue
  value: Progressive: Up to 30% | State Farm: N/A
additional property: Mobile App Claims Filing Available
  type: PropertyValue
  value: Progressive: Full 24/7 capability | State Farm: N/A
additional property: Years in Business
  type: PropertyValue
  value: Progressive: 50+ | State Farm: N/A
additional property: 2025 Net Income
  type: PropertyValue
  value: Progressive: N/A | State Farm: $12.9 billion
additional property: Available Discounts
  type: PropertyValue
  value: Progressive: N/A | State Farm: Standard package
additional property: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value: Progressive: N/A | State Farm: More competitive
additional property: Geographic Coverage
  type: PropertyValue
  value: Progressive: N/A | State Farm: All 50 states
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: Progressive: N/A | State Farm: Solid ratings
additional property: Service Model
  type: PropertyValue
  value: Progressive: N/A | State Farm: Agent + Digital
additional property: Rate Reductions Announced 2026
  type: PropertyValue
  value: Progressive: N/A | State Farm: 700,000+ (Florida, April 2026)
additional property: Claims Processing
  type: PropertyValue
  value: Progressive: N/A | State Farm: Full digital + agent options
additional property: Net Income (2025)
  type: PropertyValue
  value: Progressive: N/A | State Farm: State Farm
additional property: Average Premium Rates
  type: PropertyValue
  value: Progressive: N/A | State Farm: Lower
additional property: Add-On Coverage Availability
  type: PropertyValue
  value: Progressive: N/A | State Farm: Standard
interactivity type: active
significant link: https://www.aversusb.net/entity/progressive
significant link: https://www.aversusb.net/alternatives/progressive
significant link: https://www.aversusb.net/entity/state-farm
significant link: https://www.aversusb.net/alternatives/state-farm
significant link: https://www.aversusb.net/api/answer/progressive-vs-state-farm)
significant link: https://www.aversusb.net/api/v1/schema/progressive-vs-state-farm)
related link: https://www.aversusb.net/compare/state-farm-vs-progressive
related link: https://www.aversusb.net/compare/farmers-insurance-vs-progressive))
related link: https://www.aversusb.net/compare/geico-vs-progressive
related link: https://www.aversusb.net/compare/geico-vs-state-farm
related link: https://www.aversusb.net/compare/allstate-vs-state-farm
related link: https://www.aversusb.net/compare/allstate-vs-progressive
related link: https://www.aversusb.net/compare/farmers-insurance-vs-state-farm
related link: https://www.aversusb.net/compare/lemonade-vs-state-farm
teaches: How to choose between Progressive and State Farm
genre: Finance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Progressive vs State Farm — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Progressive
type: Thing
language: en-US
description: Digital-first insurance company offering competitive rates on auto, home, and specialty coverage with advanced online tools.
subject of: Progressive vs State Farm

State Farm
type: Thing
alternate name: SF
language: en-US
description: Largest auto insurer by market share offering comprehensive coverage through local agents.
subject of: Progressive vs State Farm

Progressive vs State Farm — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Progressive vs State Farm. Contains 86 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: National Company Ranking (2026)
  type: PropertyValue
  value reference: Company Performance
variable measured: Combined Ratio (Claims Efficiency)
  type: PropertyValue
  value reference: Operational Efficiency
variable measured: Premium Growth Rate (2026)
  type: PropertyValue
  value reference: Company Growth
variable measured: Average Rate vs National Average
  type: PropertyValue
  value reference: Pricing
variable measured: Gender Rate Variance (Widest Gap)
  type: PropertyValue
  value reference: Pricing Equity
variable measured: Telematics/Usage-Based Program
  type: PropertyValue
  value reference: Discount Features
variable measured: Rate Stability (2026)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Q1 2026 Net Income
  type: PropertyValue
  value reference: Financial Health
variable measured: Combined Ratio
  type: PropertyValue
  value reference: Operational Efficiency
variable measured: Premium Growth Rate
  type: PropertyValue
  value reference: Business Growth
variable measured: Net Premiums Written (Q1 2026)
  type: PropertyValue
  value reference: Market Size
variable measured: Consumer Review Ratings
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: Insurify Quality Score
  type: PropertyValue
  value reference: Quality Metrics
variable measured: Local Agent Availability
  type: PropertyValue
  value reference: Service Distribution
variable measured: Digital Platform Experience
  type: PropertyValue
  value reference: Technology
variable measured: Average Annual Full Coverage Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Claims Processing Time (Mobile)
  type: PropertyValue
  value reference: Service
variable measured: J.D. Power Customer Satisfaction Score
  type: PropertyValue
  value reference: Customer Service
variable measured: Maximum Usage-Based Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Online Quote Completion Time
  type: PropertyValue
  value reference: Digital Experience
variable measured: Number of Local Agents
  type: PropertyValue
  value reference: Customer Service
variable measured: Home & Auto Bundle Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Financial Stability Rating
  type: PropertyValue
  value reference: Financial Health
variable measured: Average Annual Auto Premium (Good Driver)
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Service Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Claims Processing Speed
  type: PropertyValue
  value reference: Customer Service
variable measured: Maximum Snapshot Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Local Agent Network
  type: PropertyValue
  value reference: Service Channels
variable measured: NAIC Complaint Ratio
  type: PropertyValue
  value reference: Reliability
variable measured: Online Quote Time
  type: PropertyValue
  value reference: Convenience
variable measured: Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Average Annual Home + Auto Bundle Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Available Discount Categories
  type: PropertyValue
  value reference: Pricing
variable measured: J.D. Power Customer Satisfaction (2025)
  type: PropertyValue
  value reference: Reputation
variable measured: AM Best Financial Strength Rating
  type: PropertyValue
  value reference: Financial Stability
variable measured: Telematics Program Max Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Mobile App Claims Filing Available
  type: PropertyValue
  value reference: Digital Services
variable measured: Years in Business
  type: PropertyValue
  value reference: Company History
variable measured: 2025 Net Income
  type: PropertyValue
  value reference: Financial Performance
variable measured: Available Discounts
  type: PropertyValue
  value reference: Pricing & Discounts
variable measured: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value reference: Pricing & Discounts
variable measured: Geographic Coverage
  type: PropertyValue
  value reference: Coverage
variable measured: Customer Satisfaction Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Service Model
  type: PropertyValue
  value reference: Service
variable measured: Rate Reductions Announced 2026
  type: PropertyValue
  value reference: Financial Performance
variable measured: Claims Processing
  type: PropertyValue
  value reference: Service Quality
variable measured: Net Income (2025)
  type: PropertyValue
  value reference: Financial Performance
variable measured: Average Premium Rates
  type: PropertyValue
  value reference: Cost
variable measured: Add-On Coverage Availability
  type: PropertyValue
  value reference: Coverage Options
variable measured: Price Transparency Rating
  type: PropertyValue
  value reference: Customer Experience
variable measured: Product Diversity
  type: PropertyValue
  value reference: Offerings
variable measured: Discount Programs
  type: PropertyValue
  value reference: Savings
variable measured: Digital Platform Ease of Use
  type: PropertyValue
  value reference: Customer Experience
variable measured: Dividend Payout Status (2026)
  type: PropertyValue
  value reference: Policyholder Benefits
variable measured: Homeowners Insurance Ranking
  type: PropertyValue
  value reference: Coverage Quality
variable measured: Bundle Discount Maximum
  type: PropertyValue
  value reference: Pricing
variable measured: Auto Insurance Rating
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: Average Rate Competitiveness
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Satisfaction Level
  type: PropertyValue
  value reference: Service Quality
variable measured: Financial Strength Rating
  type: PropertyValue
  value reference: Financial Health
variable measured: Agent Recruitment Growth (YoY)
variable measured: Recent Customer Dividend
variable measured: Customer Base
variable measured: Average Annual Premium
variable measured: 2026 Revenue Projection
variable measured: Digital Availability
variable measured: Product Coverage Types
variable measured: Year Founded
variable measured: Customer Dividend/Returns (2026)
is based on: https://www.aversusb.net/compare/progressive-vs-state-farm)

Progressive vs State Farm — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Progressive vs State Farm.
has defined term: Company Performance
has defined term: Operational Efficiency
has defined term: Company Growth
has defined term: Pricing
has defined term: Pricing Equity
has defined term: Discount Features
has defined term: Customer Experience
has defined term: Financial Health
has defined term: Business Growth
has defined term: Market Size
has defined term: Customer Satisfaction
has defined term: Quality Metrics
has defined term: Service Distribution
has defined term: Technology
has defined term: Service
has defined term: Customer Service
has defined term: Discounts
has defined term: Digital Experience
has defined term: Service Quality
has defined term: Service Channels
has defined term: Reliability
has defined term: Convenience
has defined term: Market Position
has defined term: Reputation
has defined term: Financial Stability
has defined term: Digital Services
has defined term: Company History
has defined term: Financial Performance
has defined term: Pricing & Discounts
has defined term: Coverage
has defined term: Cost
has defined term: Coverage Options
has defined term: Offerings
has defined term: Savings
has defined term: Policyholder Benefits
has defined term: Coverage Quality
has defined term: Customer Returns
has defined term: Scale
has defined term: Financial
has defined term: Accessibility
has defined term: History
has defined term: Value
has defined term: Digital Tools
has defined term: Agent Network
has defined term: Stability
has defined term: Satisfaction
has defined term: Product Offerings
has defined term: Distribution
has defined term: Global Reach

Company Performance
type: DefinedTerm
term code: company-performance
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Operational Efficiency
type: DefinedTerm
term code: operational-efficiency
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Company Growth
type: DefinedTerm
term code: company-growth
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Pricing Equity
type: DefinedTerm
term code: pricing-equity
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Discount Features
type: DefinedTerm
term code: discount-features
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Financial Health
type: DefinedTerm
term code: financial-health
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Business Growth
type: DefinedTerm
term code: business-growth
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Market Size
type: DefinedTerm
term code: market-size
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Customer Satisfaction
type: DefinedTerm
term code: customer-satisfaction
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Quality Metrics
type: DefinedTerm
term code: quality-metrics
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Service Distribution
type: DefinedTerm
term code: service-distribution
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Service
type: DefinedTerm
term code: service
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Discounts
type: DefinedTerm
term code: discounts
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Digital Experience
type: DefinedTerm
term code: digital-experience
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Service Channels
type: DefinedTerm
term code: service-channels
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Reliability
type: DefinedTerm
term code: reliability
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Convenience
type: DefinedTerm
term code: convenience
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Reputation
type: DefinedTerm
term code: reputation
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Financial Stability
type: DefinedTerm
term code: financial-stability
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Digital Services
type: DefinedTerm
term code: digital-services
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Company History
type: DefinedTerm
term code: company-history
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Pricing & Discounts
type: DefinedTerm
term code: pricing-&-discounts
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Coverage
type: DefinedTerm
term code: coverage
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Cost
type: DefinedTerm
term code: cost
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Coverage Options
type: DefinedTerm
term code: coverage-options
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Offerings
type: DefinedTerm
term code: offerings
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Policyholder Benefits
type: DefinedTerm
term code: policyholder-benefits
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Coverage Quality
type: DefinedTerm
term code: coverage-quality
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Customer Returns
type: DefinedTerm
term code: customer-returns
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Financial
type: DefinedTerm
term code: financial
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

History
type: DefinedTerm
term code: history
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Value
type: DefinedTerm
term code: value
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Digital Tools
type: DefinedTerm
term code: digital-tools
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Agent Network
type: DefinedTerm
term code: agent-network
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Stability
type: DefinedTerm
term code: stability
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Satisfaction
type: DefinedTerm
term code: satisfaction
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Product Offerings
type: DefinedTerm
term code: product-offerings
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Distribution
type: DefinedTerm
term code: distribution
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

Global Reach
type: DefinedTerm
term code: global-reach
in defined term set: Progressive vs State Farm — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-07T21:29:39.793Z
author: A Versus B
publisher: A Versus B
is part of: progressive-vs-state-farm)
main entity: How much can I save by switching from State Farm to Progressive?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Is Progressive's Snapshot program worth the privacy trade-off?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Why does State Farm have higher customer satisfaction despite higher premiums?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which company handles claims faster?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Does State Farm offer usage-based discounts like Progressive?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US

How to Choose Between Progressive and State Farm
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Average Annual Premium (Auto)
step: Consider: Customer Service Rating (J.D. Power)
step: Consider: Digital Claims Processing
step: Consider: Usage-Based Discounts Available
step: Consider: Local Agent Availability
step: Consider: Complaint Ratio (per 1,000 policies)
step: Consider: Online Quote Time
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Average Annual Premium (Auto)
type: HowToStep
position: 1
text: Average Annual Premium (Auto): Progressive has $1,847, while State Farm has $2,156.

Consider: Customer Service Rating (J.D. Power)
type: HowToStep
position: 2
text: Customer Service Rating (J.D. Power): Progressive has 793/1000, while State Farm has 824/1000.

Consider: Digital Claims Processing
type: HowToStep
position: 3
text: 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
type: HowToStep
position: 4
text: Usage-Based Discounts Available: Progressive has Yes (Snapshot app, up to 30% off), while State Farm has No standard program.

Consider: Local Agent Availability
type: HowToStep
position: 5
text: 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)
type: HowToStep
position: 6
text: Complaint Ratio (per 1,000 policies): Progressive has 0.68, while State Farm has 0.55.

Consider: Online Quote Time
type: HowToStep
position: 7
text: Online Quote Time: Progressive has 3-5 minutes, while State Farm has 8-12 minutes.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Progressive vs State Farm
review body: 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.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Progressive vs State Farm

Price Transparency Rating
type: PropertyValue
value: Progressive: N/A | State Farm: High

Product Diversity
type: PropertyValue
value: Progressive: N/A | State Farm: Comprehensive

Discount Programs
type: PropertyValue
value: Progressive: N/A | State Farm: Extensive

Digital Platform Ease of Use
type: PropertyValue
value: Progressive: N/A | State Farm: User-friendly

Dividend Payout Status (2026)
type: PropertyValue
value: Progressive: N/A | State Farm: Record dividend

Homeowners Insurance Ranking
type: PropertyValue
value: Progressive: N/A | State Farm: No. 3

Bundle Discount Maximum
type: PropertyValue
value: Progressive: N/A | State Farm: 17%

Auto Insurance Rating
type: PropertyValue
value: Progressive: N/A | State Farm: 4.4/5

Average Rate Competitiveness
type: PropertyValue
value: Progressive: N/A | State Farm: Lower

Customer Satisfaction Level
type: PropertyValue
value: Progressive: N/A | State Farm: Higher

Financial Strength Rating
type: PropertyValue
value: Progressive: N/A | State Farm: Better

Agent Recruitment Growth (YoY)
type: PropertyValue
value: Progressive: N/A | State Farm: 34%

Recent Customer Dividend
type: PropertyValue
value: Progressive: N/A | State Farm: $5B

Customer Base
type: PropertyValue
value: Progressive: N/A | State Farm: 18M+

Average Annual Premium
type: PropertyValue
value: Progressive: N/A | State Farm: $380-$395

2026 Revenue Projection
type: PropertyValue
value: Progressive: N/A | State Farm: $20B+

Claims Processing Speed
type: PropertyValue
value: Progressive: N/A | State Farm: 3-7 days

Digital Availability
type: PropertyValue
value: Progressive: N/A | State Farm: Hybrid

Product Coverage Types
type: PropertyValue
value: Progressive: N/A | State Farm: Auto, Home, Renters, Life

Year Founded
type: PropertyValue
value: Progressive: N/A | State Farm: 1922

Customer Dividend/Returns (2026)
type: PropertyValue
value: Progressive: N/A | State Farm: $5B dividend

Auto Insurance Market Share
type: PropertyValue
value: Progressive: N/A | State Farm: 16.5%

Average Annual Auto Premium
type: PropertyValue
value: Progressive: N/A | State Farm: $1,420

Customer Service J.D. Power Score
type: PropertyValue
value: Progressive: N/A | State Farm: 779

Available Insurance Discounts
type: PropertyValue
value: Progressive: N/A | State Farm: 20+

Mobile App Rating (Google Play)
type: PropertyValue
value: Progressive: N/A | State Farm: 4.3

Number of Local Agents
type: PropertyValue
value: Progressive: N/A | State Farm: ~18,000+ nationwide

Years in Business
type: PropertyValue
value: Progressive: N/A | State Farm: 90+ years (founded 1931)

AM Best Financial Strength Rating
type: PropertyValue
value: Progressive: N/A | State Farm: A+ (Superior)

US Auto Insurance Market Share
type: PropertyValue
value: Progressive: N/A | State Farm: 17.1%

Global Customers
type: PropertyValue
value: Progressive: N/A | State Farm: 88 million (US + Canada primarily)

Customer Satisfaction Score
type: PropertyValue
value: Progressive: N/A | State Farm: 821

Average Auto Insurance Bundle Discount
type: PropertyValue
value: Progressive: N/A | State Farm: 25%

Life Insurance Product Variety
type: PropertyValue
value: Progressive: N/A | State Farm: Basic term and whole life options

Claims Processing Time (Auto)
type: PropertyValue
value: Progressive: N/A | State Farm: 2-4 business days

Agent Network Availability
type: PropertyValue
value: Progressive: N/A | State Farm: 20,000+ exclusive local agents

International Operations
type: PropertyValue
value: Progressive: N/A | State Farm: 3

SpeakableSpecification
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xpath: //*[@id='short-answer']
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Progressive — Wikipedia
type: CreativeWork

State Farm — Wikipedia
type: CreativeWork

Compare Progressive vs State Farm
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/progressive-vs-state-farm)
object: Progressive
object: State Farm

Agent Recruitment Growth (YoY)
type: PropertyValue
value reference: Business Growth

Recent Customer Dividend
type: PropertyValue
value reference: Customer Returns

Customer Base
type: PropertyValue
value reference: Scale

Average Annual Premium
type: PropertyValue
value reference: Pricing

2026 Revenue Projection
type: PropertyValue
value reference: Financial

Claims Processing Speed
type: PropertyValue
value reference: Service

Digital Availability
type: PropertyValue
value reference: Accessibility

Product Coverage Types
type: PropertyValue
value reference: Coverage

Year Founded
type: PropertyValue
value reference: History

Customer Dividend/Returns (2026)
type: PropertyValue
value reference: Value

Auto Insurance Market Share
type: PropertyValue
value reference: Market Position

Average Annual Auto Premium
type: PropertyValue
value reference: Pricing

Customer Service J.D. Power Score
type: PropertyValue
value reference: Customer Experience

Available Insurance Discounts
type: PropertyValue
value reference: Offerings

Mobile App Rating (Google Play)
type: PropertyValue
value reference: Digital Tools

Number of Local Agents
type: PropertyValue
value reference: Agent Network

Years in Business
type: PropertyValue
value reference: Stability

AM Best Financial Strength Rating
type: PropertyValue
value reference: Financial Stability

US Auto Insurance Market Share
type: PropertyValue
value reference: Market Position

Global Customers
type: PropertyValue
value reference: Scale

Customer Satisfaction Score
type: PropertyValue
value reference: Satisfaction

Average Auto Insurance Bundle Discount
type: PropertyValue
value reference: Pricing

Life Insurance Product Variety
type: PropertyValue
value reference: Product Offerings

Claims Processing Time (Auto)
type: PropertyValue
value reference: Service

Agent Network Availability
type: PropertyValue
value reference: Distribution

International Operations
type: PropertyValue
value reference: Global Reach