State Farm offers lower average premiums (15-20% cheaper) and stronger customer service ratings, while Progressive excels with digital tools, usage-based discounts, and faster online claims processing, making them better for tech-savvy customers.
State Farm vs Progressive — Side-by-side comparison on A Versus B
Largest auto insurer in the U.S. with extensive agent network and personalized service
Second-largest U.S. auto insurer focused on digital innovation, speed, and usage-based discounts.
Average Annual Premium (Full Coverage). J.D. Power Customer Satisfaction Rating. Digital Claims Processing Time. Usage-Based Discount (Snapshot/Clarity). AM Best Financial Strength Rating. Mobile App Rating (iOS/Android). Agent-Assisted Options
Choose State Farm if you prefer competitive pricing, personalized agent support, and established local relationships—ideal for those who value traditional service and lower premiums. Choose Progressive if you want fast digital claims, innovative discounts (especially usage-based), mobile-first tools, and don't mind slightly higher rates in exchange for modern convenience.
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 | Progressive: N/A
State Farm: $1,240 | Progressive: $1,485
State Farm: 5-7 days | Progressive: 2-3 days
State Farm: 82/100 | Progressive: 79/100
State Farm: 12-15 minutes | Progressive: 3-5 minutes
State Farm: A++ (AM Best) | Progressive: A+ (AM Best)
Average Annual Auto Premium (Good Driver)
State Farm: $2,156 | Progressive: $1,847
State Farm: 24-48 hours | Progressive: 2-3 days
State Farm: 18,500+ | Progressive: Limited (online/phone primary)
Customer Service Satisfaction (J.D. Power 2025)
State Farm: 3-5 days | Progressive: 2-3 days
State Farm: 4.3 (289K reviews) | Progressive: N/A
State Farm: DriveWise: Up to 30% | Progressive: N/A
Average Annual Auto Premium (Safe Driver)
J.D. Power Customer Satisfaction Ranking
State Farm: 1st place (2024) | Progressive: N/A
State Farm: Standard auto, home, life, umbrella | Progressive: N/A
State Farm: 17.6% (largest) | Progressive: N/A
State Farm: 4.5 stars | Progressive: N/A
State Farm: Up to 24% | Progressive: Up to 20%
Average Annual Premium (Full Coverage, Age 25-35)
State Farm: $1,287 | Progressive: $1,521
Mobile App Rating (iOS/Android Combined)
State Farm: 4.2 stars | Progressive: 4.6 stars
State Farm: A+ (Superior) | Progressive: A+ (Superior)
State Farm: 18,000+ agents | Progressive: 0 (phone/chat only)
State Farm: 15-20 minutes | Progressive: 5-10 minutes
State Farm: N/A | 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
Average Annual Home + Auto Bundle Premium
State Farm: N/A | Progressive: Up to 30%
State Farm: N/A | Progressive: Full 24/7 capability
How to choose between State Farm and Progressive
State Farm vs Progressive — Structured Comparison Data
Machine-readable comparison dataset for State Farm vs Progressive. Contains 113 attribute comparisons, 5 FAQ pairs.
State Farm vs Progressive — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for State Farm vs Progressive.
Which insurance company is cheaper, State Farm or Progressive?
State Farm is significantly cheaper on average—$1,287 annually vs Progressive's $1,521 for full coverage on drivers aged 25-35 (about 18% savings). However, Progressive's usage-based Snapshot program can reduce rates by up to 40%, potentially making them competitive or cheaper for safe drivers who track their driving habits.
Is State Farm or Progressive better for claims processing?
Progressive is faster for digital claims, processing them in 2-3 business days versus State Farm's 5-7 days. Progressive's mobile app allows photo uploads and real-time status tracking. State Farm offers more personalized claims support through local agents, which some customers prefer despite the slower timeline.
Can I get a local agent with Progressive?
No, Progressive operates phone and chat support only—there are no local agents. State Farm has 18,000+ local agents available for in-person policy reviews, claims assistance, and personalized service. This is a major difference for customers who prefer face-to-face interactions.
Which company has better customer satisfaction ratings?
State Farm has a higher J.D. Power Customer Satisfaction rating (843/1000 vs Progressive's 831/1000). However, Progressive's mobile app is rated higher (4.6/5 vs 4.2/5), indicating better digital experience satisfaction among tech-forward users.
What discounts does each company offer for safe drivers?
State Farm offers up to 30% off through its Statewide program and good driver discounts. Progressive offers up to 40% off through Snapshot (usage-based monitoring) plus accident forgiveness and safe driver discounts. Progressive's maximum savings potential is higher, especially for drivers willing to share driving data.
How to Choose Between State Farm and Progressive
Consider: Average Annual Premium (Full Coverage)
Average Annual Premium (Full Coverage): State Farm has $1,287, while Progressive has $1,521.
Consider: J.D. Power Customer Satisfaction Rating
J.D. Power Customer Satisfaction Rating: State Farm has 843/1000, while Progressive has 831/1000.
Consider: Digital Claims Processing Time
Digital Claims Processing Time: State Farm has 5-7 business days, while Progressive has 2-3 business days.
Consider: Usage-Based Discount (Snapshot/Clarity)
Usage-Based Discount (Snapshot/Clarity): State Farm has Up to 30% off, while Progressive has Up to 40% off.
Consider: AM Best Financial Strength Rating
AM Best Financial Strength Rating: State Farm has A+ (Superior), while Progressive has A+ (Superior).
Consider: Mobile App Rating (iOS/Android)
Mobile App Rating (iOS/Android): State Farm has 4.2/5 stars, while Progressive has 4.6/5 stars.
Agent-Assisted Options: State Farm has 18,000+ local agents, while Progressive has Phone and chat only.