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.
Progressive vs State Farm — Side-by-side comparison on A Versus B
Direct-write auto and home insurer emphasizing digital tools and competitive pricing
America's largest auto insurer with strong home, life, and claims service delivered through exclusive local agents.
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)
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.
Customer Satisfaction Score (J.D. Power 2024)
Progressive Insurance: 800 | State Farm: N/A
Progressive Insurance: 4.6 | State Farm: 4.5 stars
Progressive Insurance: 50+ | State Farm: 50+
Progressive Insurance: 3-5 | State Farm: N/A
Progressive Insurance: Limited (primarily online/phone) | State Farm: 18,000+ agents
Progressive Insurance: 30% | State Farm: N/A
Progressive Insurance: 1996 | State Farm: N/A
Progressive Insurance: 16% | State Farm: N/A
Progressive Insurance: 4 minutes | State Farm: N/A
Progressive Insurance: 20+ discounts | State Farm: N/A
Progressive Insurance: 4 days | State Farm: N/A
Progressive Insurance: Up to 30% | State Farm: N/A
Progressive Insurance: Phone, chat, online | State Farm: N/A
Progressive Insurance: $1,247 | State Farm: $1,456
Customer Service Satisfaction (J.D. Power 2025)
Progressive Insurance: 798 | State Farm: 823
Progressive Insurance: 2-3 days | State Farm: 3-5 days
Progressive Insurance: 0 (digital-only) | State Farm: 19,000+
Progressive Insurance: 4.6 (385K reviews) | State Farm: 4.3 (289K reviews)
Progressive Insurance: 25% | State Farm: 23%
Progressive Insurance: Up to 30% | State Farm: DriveWise: Up to 30%
Progressive Insurance: 9.4% | State Farm: 17.6% (largest)
Progressive Insurance: N/A | State Farm: $12.9 billion
Progressive Insurance: N/A | State Farm: Standard package
Progressive Insurance: N/A | State Farm: More competitive
Progressive Insurance: N/A | State Farm: All 50 states
Progressive Insurance: N/A | State Farm: Solid ratings
Progressive Insurance: N/A | State Farm: Agent + Digital
Progressive Insurance: N/A | State Farm: 700,000+ (Florida, April 2026)
Progressive Insurance: N/A | State Farm: Full digital + agent options
Progressive Insurance: N/A | State Farm: State Farm
Progressive Insurance: N/A | State Farm: Lower
Progressive Insurance: N/A | State Farm: Standard
Progressive Insurance: N/A | State Farm: High
Progressive Insurance: N/A | State Farm: Comprehensive
Progressive Insurance: N/A | State Farm: Extensive
Progressive Insurance: N/A | State Farm: User-friendly
Progressive Insurance: N/A | State Farm: Record dividend
Progressive Insurance: N/A | State Farm: No. 3
Progressive Insurance: N/A | State Farm: 17%
Progressive Insurance: N/A | State Farm: 4.4/5
Progressive Insurance: N/A | State Farm: Higher
Progressive Insurance: N/A | State Farm: Better
Progressive Insurance: N/A | State Farm: 34%
Progressive Insurance: N/A | State Farm: $5B
Progressive Insurance: N/A | State Farm: 18M+
Progressive Insurance: N/A | State Farm: $380-$395
Progressive Insurance: N/A | State Farm: $20B+
Progressive Insurance: N/A | State Farm: 3-7 days
Progressive Insurance: N/A | State Farm: Hybrid
Progressive Insurance: N/A | State Farm: Auto, Home, Renters, Life
Progressive Insurance: N/A | State Farm: 1922
Progressive Insurance: N/A | State Farm: $5B dividend
Progressive Insurance: N/A | State Farm: 16.5%
Progressive Insurance: N/A | State Farm: $1,420
Progressive Insurance: N/A | State Farm: 779
Progressive Insurance: N/A | State Farm: 20+
Progressive Insurance: N/A | State Farm: 4.3
Progressive Insurance: N/A | State Farm: ~18,000+ nationwide
Progressive Insurance: N/A | State Farm: 90+ years (founded 1931)
Progressive Insurance: N/A | State Farm: A+ (Superior)
Progressive Insurance: N/A | State Farm: 17.1%
Progressive Insurance: N/A | State Farm: 88 million (US + Canada primarily)
Progressive Insurance: N/A | State Farm: 821
Progressive Insurance: N/A | State Farm: 25%
Progressive Insurance: N/A | State Farm: Basic term and whole life options
Progressive Insurance: N/A | State Farm: 2-4 business days
Progressive Insurance: N/A | State Farm: 20,000+ exclusive local agents
Progressive Insurance: N/A | State Farm: 3
Progressive Insurance: N/A | State Farm: $1,240
Progressive Insurance: N/A | State Farm: 5-7 days
Progressive Insurance: N/A | State Farm: 82/100
Progressive Insurance: N/A | State Farm: 30%
Progressive Insurance: N/A | State Farm: 12-15 minutes
Progressive Insurance: N/A | State Farm: 15,000+
Progressive Insurance: N/A | State Farm: A++ (AM Best)
Average Annual Auto Premium (Good Driver)
Progressive Insurance: N/A | State Farm: $2,156
Progressive Insurance: N/A | State Farm: 824
Progressive Insurance: N/A | State Farm: 24-48 hours
Progressive Insurance: N/A | State Farm: 0%
Progressive Insurance: N/A | State Farm: 18,500+
Progressive Insurance: N/A | State Farm: 0.55
Progressive Insurance: N/A | State Farm: 8-12
Progressive Insurance: N/A | State Farm: 16.8%
Average Annual Auto Premium (Safe Driver)
Progressive Insurance: N/A | State Farm: $1,156
Progressive Insurance: N/A | State Farm: 17.9%
Progressive Insurance: N/A | State Farm: 20%
J.D. Power Customer Satisfaction Ranking
Progressive Insurance: N/A | State Farm: 1st place (2024)
Progressive Insurance: N/A | State Farm: 4.6/5.0
Progressive Insurance: N/A | State Farm: 19,000+
Progressive Insurance: N/A | State Farm: Standard auto, home, life, umbrella
Progressive Insurance: N/A | State Farm: 1-2 days
Progressive Insurance: N/A | State Farm: $1,547
Progressive Insurance: N/A | State Farm: 798
Progressive Insurance: N/A | State Farm: 18,000+
Progressive Insurance: N/A | State Farm: Up to 24%
Progressive Insurance: N/A | State Farm: 3-5 days
Progressive Insurance: N/A | State Farm: 24/7
Average Annual Premium (Full Coverage, Age 25-35)
Progressive Insurance: N/A | State Farm: $1,287
Progressive Insurance: N/A | State Farm: 843
Mobile App Rating (iOS/Android Combined)
Progressive Insurance: N/A | State Farm: 4.2 stars
Progressive Insurance: N/A | State Farm: 15-20 minutes
Progressive Insurance: N/A | State Farm: 17.5%
Progressive Insurance: N/A | State Farm: $2.1 trillion
Progressive Insurance: N/A | State Farm: $54.8 billion
J.D. Power Auto Claims Satisfaction (2024)
Progressive Insurance: N/A | State Farm: 804
Progressive Insurance: N/A | State Farm: Not primary focus
Average Auto Insurance Premium (National Average)
How to choose between Progressive Insurance and State Farm
Compare Progressive Insurance vs State Farm
Progressive vs State Farm — Structured Comparison Data
Machine-readable comparison dataset for Progressive vs State Farm. Contains 110 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.
Which insurance company has the lowest rates?
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.
Can I speak to an agent at Progressive or State Farm?
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.
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.
What's the difference in customer satisfaction scores?
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).
Which company offers better bundling discounts?
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.
How to Choose Between Progressive Insurance and State Farm
Average Annual Premium: Progressive Insurance has $1,247, while State Farm has $1,456.
Consider: Customer Service Rating (J.D. Power 2025)
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
Digital Claims Processing Time: Progressive Insurance has 2-3 days, while State Farm has 3-5 days.
Local Agent Locations: Progressive Insurance has Online/phone only, while State Farm has 19,000+ local offices.
Consider: Name Your Price Tool Discount Range
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)
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)
Bundling Discount (Auto + Home): Progressive Insurance has Up to 25%, while State Farm has Up to 23%.