Progressive vs State Farm
type: Article
description: Progressive offers lower average premiums (15-20% cheaper) and superior digital tools, while State Farm provides better customer service ratings and wider agent availability through 19,000+ local offices.
language: en-US
date published: 2026-07-09T13:45:50.972Z
date created: 2026-07-09T13:45:50.972Z
date modified: 2026-07-09T13:45:51.006Z
content reference time: 2026-07-09T13:45:51.006Z
author: A Versus B
publisher: A Versus B
about: Progressive Insurance
about: State Farm
abstract: Progressive offers lower average premiums (15-20% cheaper) and superior digital tools, while State Farm provides better customer service ratings and wider agent availability through 19,000+ local offices.
text: Average Annual Premium. Customer Service Rating (J.D. Power 2025). Digital Claims Processing Time. Local Agent Locations. Name Your Price Tool Discount Range. Mobile App Rating (Google Play). Bundling Discount (Auto + Home)
conclusion text: Choose Progressive if you want the lowest premiums, prefer digital-first interactions, and value innovative comparison tools like Name Your Price. Choose State Farm if you prioritize in-person agent support, have complex insurance needs, or value award-winning customer service and personalized guidance.
additional property: Customer Satisfaction Score (J.D. Power 2024)
  type: PropertyValue
  value: Progressive Insurance: 800 | State Farm: N/A
additional property: Mobile App Rating (iOS)
  type: PropertyValue
  value: Progressive Insurance: 4.6 | State Farm: 4.5 stars
  value reference: Progressive Insurance
additional property: Available Insurance Discounts
  type: PropertyValue
  value: Progressive Insurance: 50+ | State Farm: 50+
additional property: Average Claims Processing Time
  type: PropertyValue
  value: Progressive Insurance: 3-5 | State Farm: N/A
additional property: Local Agent Availability
  type: PropertyValue
  value: Progressive Insurance: Limited (primarily online/phone) | State Farm: 18,000+ agents
additional property: Maximum Telematics Discount Savings
  type: PropertyValue
  value: Progressive Insurance: 30% | State Farm: N/A
additional property: Company Founded
  type: PropertyValue
  value: Progressive Insurance: 1996 | State Farm: N/A
additional property: Maximum Bundle Discount
  type: PropertyValue
  value: Progressive Insurance: 16% | State Farm: N/A
additional property: Digital Quote Completion Time
  type: PropertyValue
  value: Progressive Insurance: 4 minutes | State Farm: N/A
additional property: Available Discount Programs
  type: PropertyValue
  value: Progressive Insurance: 20+ discounts | State Farm: N/A
additional property: Average Claim Processing Time (Mobile)
  type: PropertyValue
  value: Progressive Insurance: 4 days | State Farm: N/A
additional property: Snapshot Usage-Based Discount Range
  type: PropertyValue
  value: Progressive Insurance: Up to 30% | State Farm: N/A
additional property: Customer Service Options
  type: PropertyValue
  value: Progressive Insurance: Phone, chat, online | State Farm: N/A
additional property: Average Annual Auto Insurance Premium
  type: PropertyValue
  value: Progressive Insurance: $1,247 | State Farm: $1,456
  value reference: Progressive Insurance
additional property: Customer Service Satisfaction (J.D. Power 2025)
  type: PropertyValue
  value: Progressive Insurance: 798 | State Farm: 823
  value reference: State Farm
additional property: Digital Claims Processing Time
  type: PropertyValue
  value: Progressive Insurance: 2-3 days | State Farm: 3-5 days
  value reference: Progressive Insurance
additional property: Physical Agent Locations
  type: PropertyValue
  value: Progressive Insurance: 0 (digital-only) | State Farm: 19,000+
  value reference: State Farm
additional property: Mobile App Rating
  type: PropertyValue
  value: Progressive Insurance: 4.6 (385K reviews) | State Farm: 4.3 (289K reviews)
  value reference: Progressive Insurance
additional property: Maximum Bundling Discount
  type: PropertyValue
  value: Progressive Insurance: 25% | State Farm: 23%
  value reference: Progressive Insurance
additional property: Snapshot Safe Driver Discount
  type: PropertyValue
  value: Progressive Insurance: Up to 30% | State Farm: DriveWise: Up to 30%
additional property: Market Share (U.S. Auto Insurance)
  type: PropertyValue
  value: Progressive Insurance: 9.4% | State Farm: 17.6% (largest)
additional property: 2025 Net Income
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: $12.9 billion
additional property: Available Discounts
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Standard package
additional property: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: More competitive
additional property: Geographic Coverage
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: All 50 states
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Solid ratings
additional property: Service Model
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Agent + Digital
additional property: Rate Reductions Announced 2026
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: 700,000+ (Florida, April 2026)
additional property: Claims Processing
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Full digital + agent options
additional property: Net Income (2025)
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: State Farm
additional property: Average Premium Rates
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Lower
additional property: Add-On Coverage Availability
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Standard
additional property: Price Transparency Rating
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: High
additional property: Product Diversity
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Comprehensive
additional property: Discount Programs
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Extensive
additional property: Digital Platform Ease of Use
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: User-friendly
additional property: Dividend Payout Status (2026)
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Record dividend
additional property: Homeowners Insurance Ranking
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: No. 3
additional property: Bundle Discount Maximum
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: 17%
additional property: Auto Insurance Rating
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: 4.4/5
additional property: Average Rate Competitiveness
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Lower
additional property: Customer Satisfaction Level
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Higher
additional property: Financial Strength Rating
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: Better
additional property: Agent Recruitment Growth (YoY)
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: 34%
additional property: Recent Customer Dividend
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: $5B
additional property: Customer Base
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: 18M+
additional property: Average Annual Premium
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: $380-$395
additional property: 2026 Revenue Projection
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: $20B+
additional property: Claims Processing Speed
  type: PropertyValue
  value: Progressive Insurance: N/A | State Farm: 3-7 days
interactivity type: active
significant link: https://www.aversusb.net/entity/progressive-insurance
significant link: https://www.aversusb.net/alternatives/progressive-insurance
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/progressive-vs-state-farm
related link: https://www.aversusb.net/compare/metlife-vs-state-farm)
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/farmers-insurance-vs-state-farm
related link: https://www.aversusb.net/compare/lemonade-vs-state-farm
related link: https://www.aversusb.net/compare/nationwide-vs-state-farm
related link: https://www.aversusb.net/compare/metlife-vs-state-farm
teaches: How to choose between Progressive Insurance 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 Insurance
type: Organization
alternate name: PI
language: en-US
description: Direct-write auto and home insurer emphasizing digital tools and competitive pricing
subject of: Progressive vs State Farm

State Farm
type: Thing
alternate name: SF
language: en-US
description: America's largest auto insurer with strong home, life, and claims service delivered through exclusive 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 110 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: Customer Satisfaction Score (J.D. Power 2024)
  type: PropertyValue
  value reference: Customer Service
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: Digital Tools
variable measured: Available Insurance Discounts
  type: PropertyValue
  value reference: Value
variable measured: Average Claims Processing Time
  type: PropertyValue
  value reference: Claims
variable measured: Local Agent Availability
  type: PropertyValue
  value reference: Support Options
variable measured: Maximum Telematics Discount Savings
  type: PropertyValue
  value reference: Usage-Based Programs
variable measured: Company Founded
  type: PropertyValue
  value reference: History
variable measured: Maximum Bundle Discount
  type: PropertyValue
  value reference: Pricing
variable measured: Digital Quote Completion Time
  type: PropertyValue
  value reference: Digital Experience
variable measured: Available Discount Programs
  type: PropertyValue
  value reference: Discounts
variable measured: Average Claim Processing Time (Mobile)
  type: PropertyValue
  value reference: Claims
variable measured: Snapshot Usage-Based Discount Range
  type: PropertyValue
  value reference: Discounts
variable measured: Customer Service Options
  type: PropertyValue
  value reference: Support
variable measured: Average Annual Auto Insurance Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Service Satisfaction (J.D. Power 2025)
  type: PropertyValue
  value reference: Service Quality
variable measured: Digital Claims Processing Time
  type: PropertyValue
  value reference: Efficiency
variable measured: Physical Agent Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: Technology
variable measured: Maximum Bundling Discount
  type: PropertyValue
  value reference: Pricing
variable measured: Snapshot Safe Driver Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Market Share (U.S. Auto Insurance)
  type: PropertyValue
  value reference: Market Position
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)
  type: PropertyValue
  value reference: Business Growth
variable measured: Recent Customer Dividend
  type: PropertyValue
  value reference: Customer Returns
variable measured: Customer Base
  type: PropertyValue
  value reference: Scale
variable measured: Average Annual Premium
  type: PropertyValue
  value reference: Pricing
variable measured: 2026 Revenue Projection
  type: PropertyValue
  value reference: Financial
variable measured: Claims Processing Speed
  type: PropertyValue
  value reference: Service
variable measured: Digital Availability
  type: PropertyValue
  value reference: Accessibility
variable measured: Product Coverage Types
  type: PropertyValue
  value reference: Coverage
variable measured: Year Founded
  type: PropertyValue
  value reference: History
variable measured: Customer Dividend/Returns (2026)
  type: PropertyValue
  value reference: Value
variable measured: Auto Insurance Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Average Annual Auto Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Service J.D. Power Score
  type: PropertyValue
  value reference: Customer Experience
variable measured: Available Insurance Discounts
  type: PropertyValue
  value reference: Offerings
variable measured: Mobile App Rating (Google Play)
  type: PropertyValue
  value reference: Digital Tools
variable measured: Number of Local Agents
  type: PropertyValue
  value reference: Agent Network
variable measured: Years in Business
  type: PropertyValue
  value reference: Stability
variable measured: AM Best Financial Strength Rating
variable measured: US Auto Insurance Market Share
variable measured: Global Customers
variable measured: Customer Satisfaction Score
variable measured: Average Auto Insurance Bundle Discount
variable measured: Life Insurance Product Variety
variable measured: Claims Processing Time (Auto)
variable measured: Agent Network Availability
variable measured: International Operations
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: Customer Service
has defined term: Digital Tools
has defined term: Value
has defined term: Claims
has defined term: Support Options
has defined term: Usage-Based Programs
has defined term: History
has defined term: Pricing
has defined term: Digital Experience
has defined term: Discounts
has defined term: Support
has defined term: Service Quality
has defined term: Efficiency
has defined term: Accessibility
has defined term: Technology
has defined term: Market Position
has defined term: Financial Performance
has defined term: Pricing & Discounts
has defined term: Coverage
has defined term: Service
has defined term: Cost
has defined term: Coverage Options
has defined term: Customer Experience
has defined term: Offerings
has defined term: Savings
has defined term: Policyholder Benefits
has defined term: Coverage Quality
has defined term: Customer Satisfaction
has defined term: Financial Health
has defined term: Business Growth
has defined term: Customer Returns
has defined term: Scale
has defined term: Financial
has defined term: Agent Network
has defined term: Stability
has defined term: Financial Stability
has defined term: Satisfaction
has defined term: Product Offerings
has defined term: Distribution
has defined term: Global Reach
has defined term: Service Channels
has defined term: Reliability
has defined term: Convenience
has defined term: Company Size
has defined term: Claims Service
has defined term: Service Speed
has defined term: Enrollment
has defined term: Product Strength
has defined term: Financial Scale
has defined term: B2B Reach

Customer Service
type: DefinedTerm
term code: customer-service
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

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

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

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

Usage-Based Programs
type: DefinedTerm
term code: usage-based-programs
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

Pricing
type: DefinedTerm
term code: pricing
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

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

Support
type: DefinedTerm
term code: support
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

Efficiency
type: DefinedTerm
term code: efficiency
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

Technology
type: DefinedTerm
term code: technology
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

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

Service
type: DefinedTerm
term code: service
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

Customer Experience
type: DefinedTerm
term code: customer-experience
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 Satisfaction
type: DefinedTerm
term code: customer-satisfaction
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

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

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

Financial Stability
type: DefinedTerm
term code: financial-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

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

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

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

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

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

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

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

B2B Reach
type: DefinedTerm
term code: b2b-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: 2026-07-09T13:45:51.006Z
author: A Versus B
publisher: A Versus B
is part of: progressive-vs-state-farm))
main entity: Which insurance company has the lowest rates?
  type: Question
  accepted answer: Answer
    text: Progressive generally offers 15-20% lower premiums than State Farm. Progressive's Name Your Price tool and Snapshot telematics program provide additional savings opportunities, with potential discounts up to 40% and 30% respectively. However, rates vary significantly by location, driving history, and coverage needs.
    language: en-US
main entity: Can I speak to an agent at Progressive or State Farm?
  type: Question
  accepted answer: Answer
    text: Progressive operates entirely online and by phone—there are no local agent offices. State Farm has 19,000+ local offices nationwide where you can meet with agents in person. For complex coverage decisions or those preferring face-to-face interaction, State Farm's agent availability is a significant advantage.
    language: en-US
main entity: How fast are claims processed?
  type: Question
  accepted answer: Answer
    text: Progressive processes digital claims in 2-3 days on average, with their mobile app allowing photo submissions for faster evaluation. State Farm's claims typically process in 3-5 days. Progressive's digital-first approach provides a speed advantage, though State Farm offers local adjuster support for complex claims.
    language: en-US
main entity: What's the difference in customer satisfaction scores?
  type: Question
  accepted answer: Answer
    text: State Farm scored 823/1,000 on J.D. Power's 2025 Customer Service Index, while Progressive scored 798/1,000—a 25-point difference in State Farm's favor. This reflects State Farm's strengths in agent support and personalized service, though Progressive's mobile app (4.6/5 stars) rates higher than State Farm's (4.3/5 stars).
    language: en-US
main entity: Which company offers better bundling discounts?
  type: Question
  accepted answer: Answer
    text: Progressive offers up to 25% bundling discount for combining auto and home insurance, while State Farm offers up to 23%. Both companies provide substantial multi-line discounts, with Progressive's being slightly more generous. The actual savings depend on your specific coverage needs and profile.
    language: en-US

How to Choose Between Progressive Insurance and State Farm
type: HowTo
description: Progressive offers lower average premiums (15-20% cheaper) and superior digital tools, while State Farm provides better customer service ratings and wider agent availability through 19,000+ local offices.
language: en-US
total time: PT3M
step: Consider: Average Annual Premium
step: Consider: Customer Service Rating (J.D. Power 2025)
step: Consider: Digital Claims Processing Time
step: Consider: Local Agent Locations
step: Consider: Name Your Price Tool Discount Range
step: Consider: Mobile App Rating (Google Play)
step: Consider: Bundling Discount (Auto + Home)
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Progressive if you want the lowest premiums, prefer digital-first interactions, and value innovative comparison tools like Name Your Price. Choose State Farm if you prioritize in-person agent support, have complex insurance needs, or value award-winning customer service and personalized guidance.

Consider: Average Annual Premium
type: HowToStep
position: 1
text: Average Annual Premium: Progressive Insurance has $1,247, while State Farm has $1,456.

Consider: Customer Service Rating (J.D. Power 2025)
type: HowToStep
position: 2
text: Customer Service Rating (J.D. Power 2025): Progressive Insurance has 798/1,000, while State Farm has 823/1,000.

Consider: Digital Claims Processing Time
type: HowToStep
position: 3
text: Digital Claims Processing Time: Progressive Insurance has 2-3 days, while State Farm has 3-5 days.

Consider: Local Agent Locations
type: HowToStep
position: 4
text: Local Agent Locations: Progressive Insurance has Online/phone only, while State Farm has 19,000+ local offices.

Consider: Name Your Price Tool Discount Range
type: HowToStep
position: 5
text: Name Your Price Tool Discount Range: Progressive Insurance has Up to 40% savings, while State Farm has Not available.

Consider: Mobile App Rating (Google Play)
type: HowToStep
position: 6
text: Mobile App Rating (Google Play): Progressive Insurance has 4.6/5 stars (385K reviews), while State Farm has 4.3/5 stars (289K reviews).

Consider: Bundling Discount (Auto + Home)
type: HowToStep
position: 7
text: Bundling Discount (Auto + Home): Progressive Insurance has Up to 25%, while State Farm has Up to 23%.

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 superior digital tools, while State Farm provides better customer service ratings and wider agent availability through 19,000+ local offices.
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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Average Annual Full Coverage Premium
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $1,240

Claims Processing Time (Mobile)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 5-7 days

J.D. Power Customer Satisfaction Score
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 82/100

Maximum Usage-Based Discount
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 30%

Online Quote Completion Time
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 12-15 minutes

Number of Local Agents
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 15,000+

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

Average Annual Auto Premium (Good Driver)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $2,156

Customer Service Rating
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 824

Claims Processing Speed
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 24-48 hours

Maximum Snapshot Discount
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 0%

Local Agent Network
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 18,500+

NAIC Complaint Ratio
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 0.55

Online Quote Time
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 8-12

Market Share
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 16.8%

Average Annual Auto Premium (Safe Driver)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $1,156

U.S. Auto Insurance Market Share
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 17.9%

Maximum Multi-Policy Bundling Discount
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 20%

J.D. Power Customer Satisfaction Ranking
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 1st place (2024)

Mobile App Rating (User Reviews)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 4.6/5.0

Number of Insurance Agents Nationwide
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 19,000+

Specialized Coverage Options Available
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: Standard auto, home, life, umbrella

Average Claims Processing Time (Mobile)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 1-2 days

Average Annual Auto Premium
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $1,547

Customer Satisfaction Score
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 798

Agent Network Size
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 18,000+

Home + Auto Bundle Discount
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: Up to 24%

Average Claims Resolution Time
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 3-5 days

24/7 Customer Support Availability
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 24/7

Average Annual Premium (Full Coverage, Age 25-35)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $1,287

J.D. Power Customer Satisfaction
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 843

Mobile App Rating (iOS/Android Combined)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 4.2 stars

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

Online Quote-to-Policy Time
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 15-20 minutes

U.S. Market Share (Auto Insurance)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 17.5%

Life Insurance In Force
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $2.1 trillion

2023 Annual Revenue
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $54.8 billion

J.D. Power Auto Claims Satisfaction (2024)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 804

Number of Exclusive Agents (U.S.)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: 18,500+

Corporate Benefits Clients Served
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: Not primary focus

Average Auto Insurance Premium (National Average)
type: PropertyValue
value: Progressive Insurance: N/A | State Farm: $1,420

SpeakableSpecification
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Progressive Insurance — Wikipedia
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State Farm — Wikipedia
type: CreativeWork

Compare Progressive Insurance vs State Farm
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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

Average Annual Full Coverage Premium
type: PropertyValue
value reference: Pricing

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

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

Maximum Usage-Based Discount
type: PropertyValue
value reference: Discounts

Online Quote Completion Time
type: PropertyValue
value reference: Digital Experience

Number of Local Agents
type: PropertyValue
value reference: Customer Service

Financial Stability Rating
type: PropertyValue
value reference: Financial Health

Average Annual Auto Premium (Good Driver)
type: PropertyValue
value reference: Pricing

Customer Service Rating
type: PropertyValue
value reference: Service Quality

Claims Processing Speed
type: PropertyValue
value reference: Customer Service

Maximum Snapshot Discount
type: PropertyValue
value reference: Discounts

Local Agent Network
type: PropertyValue
value reference: Service Channels

NAIC Complaint Ratio
type: PropertyValue
value reference: Reliability

Online Quote Time
type: PropertyValue
value reference: Convenience

Market Share
type: PropertyValue
value reference: Company Size

Average Annual Auto Premium (Safe Driver)
type: PropertyValue
value reference: Pricing

U.S. Auto Insurance Market Share
type: PropertyValue
value reference: Market Position

Maximum Multi-Policy Bundling Discount
type: PropertyValue
value reference: Discounts

J.D. Power Customer Satisfaction Ranking
type: PropertyValue
value reference: Customer Experience

Mobile App Rating (User Reviews)
type: PropertyValue
value reference: Digital Tools

Number of Insurance Agents Nationwide
type: PropertyValue
value reference: Distribution

Specialized Coverage Options Available
type: PropertyValue
value reference: Coverage

Average Claims Processing Time (Mobile)
type: PropertyValue
value reference: Claims Service

Average Annual Auto Premium
type: PropertyValue
value reference: Pricing

Customer Satisfaction Score
type: PropertyValue
value reference: Customer Experience

Agent Network Size
type: PropertyValue
value reference: Distribution

Home + Auto Bundle Discount
type: PropertyValue
value reference: Discounts

Average Claims Resolution Time
type: PropertyValue
value reference: Service Speed

24/7 Customer Support Availability
type: PropertyValue
value reference: Support

Average Annual Premium (Full Coverage, Age 25-35)
type: PropertyValue
value reference: Pricing

J.D. Power Customer Satisfaction
type: PropertyValue
value reference: Customer Service

Mobile App Rating (iOS/Android Combined)
type: PropertyValue
value reference: Digital Tools

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

Online Quote-to-Policy Time
type: PropertyValue
value reference: Enrollment

U.S. Market Share (Auto Insurance)
type: PropertyValue
value reference: Market Position

Life Insurance In Force
type: PropertyValue
value reference: Product Strength

2023 Annual Revenue
type: PropertyValue
value reference: Financial Scale

J.D. Power Auto Claims Satisfaction (2024)
type: PropertyValue
value reference: Customer Service

Number of Exclusive Agents (U.S.)
type: PropertyValue
value reference: Distribution

Corporate Benefits Clients Served
type: PropertyValue
value reference: B2B Reach

Average Auto Insurance Premium (National Average)
type: PropertyValue
value reference: Cost