State Farm vs Progressive
type: Article
description: 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.
language: en-US
date published: 2026-07-09T10:28:03.931Z
date created: 2026-07-09T10:28:03.931Z
date modified: 2026-07-09T10:28:03.967Z
content reference time: 2026-07-09T10:28:03.967Z
author: A Versus B
publisher: A Versus B
about: State Farm
about: Progressive
abstract: 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.
text: 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
conclusion text: 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.
additional property: 2025 Net Income
  type: PropertyValue
  value: State Farm: $12.9 billion | Progressive: N/A
additional property: Available Discounts
  type: PropertyValue
  value: State Farm: Standard package | Progressive: N/A
additional property: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value: State Farm: More competitive | Progressive: N/A
additional property: Geographic Coverage
  type: PropertyValue
  value: State Farm: All 50 states | Progressive: N/A
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: State Farm: Solid ratings | Progressive: N/A
additional property: Service Model
  type: PropertyValue
  value: State Farm: Agent + Digital | Progressive: N/A
additional property: Rate Reductions Announced 2026
  type: PropertyValue
  value: State Farm: 700,000+ (Florida, April 2026) | Progressive: N/A
additional property: Claims Processing
  type: PropertyValue
  value: State Farm: Full digital + agent options | Progressive: N/A
additional property: Net Income (2025)
  type: PropertyValue
  value: State Farm: State Farm | Progressive: N/A
additional property: Average Premium Rates
  type: PropertyValue
  value: State Farm: Lower | Progressive: N/A
additional property: Add-On Coverage Availability
  type: PropertyValue
  value: State Farm: Standard | Progressive: N/A
additional property: Price Transparency Rating
  type: PropertyValue
  value: State Farm: High | Progressive: N/A
additional property: Product Diversity
  type: PropertyValue
  value: State Farm: Comprehensive | Progressive: N/A
additional property: Discount Programs
  type: PropertyValue
  value: State Farm: Extensive | Progressive: N/A
additional property: Digital Platform Ease of Use
  type: PropertyValue
  value: State Farm: User-friendly | Progressive: N/A
additional property: Dividend Payout Status (2026)
  type: PropertyValue
  value: State Farm: Record dividend | Progressive: N/A
additional property: Homeowners Insurance Ranking
  type: PropertyValue
  value: State Farm: No. 3 | Progressive: N/A
additional property: Bundle Discount Maximum
  type: PropertyValue
  value: State Farm: 17% | Progressive: N/A
additional property: Auto Insurance Rating
  type: PropertyValue
  value: State Farm: 4.4/5 | Progressive: N/A
additional property: Average Rate Competitiveness
  type: PropertyValue
  value: State Farm: Lower | Progressive: N/A
additional property: Customer Satisfaction Level
  type: PropertyValue
  value: State Farm: Higher | Progressive: N/A
additional property: Financial Strength Rating
  type: PropertyValue
  value: State Farm: Better | Progressive: N/A
additional property: Agent Recruitment Growth (YoY)
  type: PropertyValue
  value: State Farm: 34% | Progressive: N/A
additional property: Recent Customer Dividend
  type: PropertyValue
  value: State Farm: $5B | Progressive: N/A
additional property: Customer Base
  type: PropertyValue
  value: State Farm: 18M+ | Progressive: N/A
additional property: Average Annual Premium
  type: PropertyValue
  value: State Farm: $380-$395 | Progressive: N/A
additional property: 2026 Revenue Projection
  type: PropertyValue
  value: State Farm: $20B+ | Progressive: N/A
additional property: Claims Processing Speed
  type: PropertyValue
  value: State Farm: 3-7 days | Progressive: N/A
additional property: Digital Availability
  type: PropertyValue
  value: State Farm: Hybrid | Progressive: N/A
additional property: Product Coverage Types
  type: PropertyValue
  value: State Farm: Auto, Home, Renters, Life | Progressive: N/A
additional property: Year Founded
  type: PropertyValue
  value: State Farm: 1922 | Progressive: N/A
additional property: Customer Dividend/Returns (2026)
  type: PropertyValue
  value: State Farm: $5B dividend | Progressive: N/A
additional property: Auto Insurance Market Share
  type: PropertyValue
  value: State Farm: 16.5% | Progressive: N/A
additional property: Average Annual Auto Premium
  type: PropertyValue
  value: State Farm: $1,420 | Progressive: N/A
additional property: Customer Service J.D. Power Score
  type: PropertyValue
  value: State Farm: 779 | Progressive: N/A
additional property: Available Insurance Discounts
  type: PropertyValue
  value: State Farm: 20+ | Progressive: N/A
additional property: Mobile App Rating (Google Play)
  type: PropertyValue
  value: State Farm: 4.3 | Progressive: N/A
additional property: Number of Local Agents
  type: PropertyValue
  value: State Farm: ~18,000+ nationwide | Progressive: N/A
additional property: Years in Business
  type: PropertyValue
  value: State Farm: 90+ years (founded 1931) | Progressive: N/A
additional property: AM Best Financial Strength Rating
  type: PropertyValue
  value: State Farm: A+ (Superior) | Progressive: N/A
additional property: US Auto Insurance Market Share
  type: PropertyValue
  value: State Farm: 17.1% | Progressive: N/A
additional property: Global Customers
  type: PropertyValue
  value: State Farm: 88 million (US + Canada primarily) | Progressive: N/A
additional property: Customer Satisfaction Score
  type: PropertyValue
  value: State Farm: 821 | Progressive: N/A
additional property: Average Auto Insurance Bundle Discount
  type: PropertyValue
  value: State Farm: 25% | Progressive: N/A
additional property: Life Insurance Product Variety
  type: PropertyValue
  value: State Farm: Basic term and whole life options | Progressive: N/A
additional property: Claims Processing Time (Auto)
  type: PropertyValue
  value: State Farm: 2-4 business days | Progressive: N/A
additional property: Agent Network Availability
  type: PropertyValue
  value: State Farm: 20,000+ exclusive local agents | Progressive: N/A
additional property: International Operations
  type: PropertyValue
  value: State Farm: 3 | Progressive: N/A
additional property: Average Annual Full Coverage Premium
  type: PropertyValue
  value: State Farm: $1,240 | Progressive: $1,485
  value reference: State Farm
interactivity type: active
significant link: https://www.aversusb.net/entity/state-farm
significant link: https://www.aversusb.net/alternatives/state-farm
significant link: https://www.aversusb.net/entity/progressive
significant link: https://www.aversusb.net/alternatives/progressive
significant link: https://www.aversusb.net/api/answer/state-farm-vs-progressive)
significant link: https://www.aversusb.net/api/v1/schema/state-farm-vs-progressive)
related link: https://www.aversusb.net/compare/state-farm-vs-progressive
related link: https://www.aversusb.net/compare/progressive-vs-state-farm)
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 State Farm and Progressive
genre: General

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

A Versus B
type: Organization

State Farm
type: Thing
alternate name: SF
language: en-US
description: Largest auto insurer in the U.S. with extensive agent network and personalized service
subject of: State Farm vs Progressive

Progressive
type: Thing
language: en-US
description: Second-largest U.S. auto insurer focused on digital innovation, speed, and usage-based discounts.
subject of: State Farm vs Progressive

State Farm vs Progressive — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for State Farm vs Progressive. Contains 113 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: 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
  type: PropertyValue
  value reference: Financial Stability
variable measured: US Auto Insurance Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Global Customers
  type: PropertyValue
  value reference: Scale
variable measured: Customer Satisfaction Score
  type: PropertyValue
  value reference: Satisfaction
variable measured: Average Auto Insurance Bundle Discount
  type: PropertyValue
  value reference: Pricing
variable measured: Life Insurance Product Variety
  type: PropertyValue
  value reference: Product Offerings
variable measured: Claims Processing Time (Auto)
  type: PropertyValue
  value reference: Service
variable measured: Agent Network Availability
  type: PropertyValue
  value reference: Distribution
variable measured: International Operations
  type: PropertyValue
  value reference: Global Reach
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: 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
variable measured: Online Quote Time
variable measured: Market Share
variable measured: Average Annual Auto Insurance Premium
variable measured: Customer Service Satisfaction (J.D. Power 2025)
variable measured: Digital Claims Processing Time
variable measured: Physical Agent Locations
variable measured: Mobile App Rating
variable measured: Maximum Bundling Discount
is based on: https://www.aversusb.net/compare/state-farm-vs-progressive)

State Farm vs Progressive — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for State Farm vs Progressive.
has defined term: Financial Performance
has defined term: Pricing & Discounts
has defined term: Coverage
has defined term: Service Quality
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: Pricing
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: Accessibility
has defined term: History
has defined term: Value
has defined term: Market Position
has defined term: Digital Tools
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: Customer Service
has defined term: Discounts
has defined term: Digital Experience
has defined term: Service Channels
has defined term: Reliability
has defined term: Convenience
has defined term: Company Size
has defined term: Efficiency
has defined term: User Experience
has defined term: Claims Service
has defined term: Service Speed
has defined term: Support
has defined term: Support Options
has defined term: Enrollment
has defined term: Company Performance
has defined term: Operational Efficiency
has defined term: Company Growth
has defined term: Pricing Equity
has defined term: Discount Features
has defined term: Market Size
has defined term: Quality Metrics
has defined term: Service Distribution
has defined term: Technology
has defined term: Reputation
has defined term: Digital Services
has defined term: Company History

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-09T10:28:03.967Z
author: A Versus B
publisher: A Versus B
is part of: state-farm-vs-progressive)
main entity: Which insurance company is cheaper, State Farm or Progressive?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Is State Farm or Progressive better for claims processing?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Can I get a local agent with Progressive?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which company has better customer satisfaction ratings?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: What discounts does each company offer for safe drivers?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US

How to Choose Between State Farm and Progressive
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Average Annual Premium (Full Coverage)
step: Consider: J.D. Power Customer Satisfaction Rating
step: Consider: Digital Claims Processing Time
step: Consider: Usage-Based Discount (Snapshot/Clarity)
step: Consider: AM Best Financial Strength Rating
step: Consider: Mobile App Rating (iOS/Android)
step: Consider: Agent-Assisted Options
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Average Annual Premium (Full Coverage)
type: HowToStep
position: 1
text: Average Annual Premium (Full Coverage): State Farm has $1,287, while Progressive has $1,521.

Consider: J.D. Power Customer Satisfaction Rating
type: HowToStep
position: 2
text: J.D. Power Customer Satisfaction Rating: State Farm has 843/1000, while Progressive has 831/1000.

Consider: Digital Claims Processing Time
type: HowToStep
position: 3
text: Digital Claims Processing Time: State Farm has 5-7 business days, while Progressive has 2-3 business days.

Consider: Usage-Based Discount (Snapshot/Clarity)
type: HowToStep
position: 4
text: 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
type: HowToStep
position: 5
text: AM Best Financial Strength Rating: State Farm has A+ (Superior), while Progressive has A+ (Superior).

Consider: Mobile App Rating (iOS/Android)
type: HowToStep
position: 6
text: Mobile App Rating (iOS/Android): State Farm has 4.2/5 stars, while Progressive has 4.6/5 stars.

Consider: Agent-Assisted Options
type: HowToStep
position: 7
text: Agent-Assisted Options: State Farm has 18,000+ local agents, while Progressive has Phone and chat only.

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

Claims Processing Time (Mobile)
type: PropertyValue
value: State Farm: 5-7 days | Progressive: 2-3 days
value reference: Progressive

J.D. Power Customer Satisfaction Score
type: PropertyValue
value: State Farm: 82/100 | Progressive: 79/100
value reference: State Farm

Maximum Usage-Based Discount
type: PropertyValue
value: State Farm: 30% | Progressive: 40%
value reference: Progressive

Online Quote Completion Time
type: PropertyValue
value: State Farm: 12-15 minutes | Progressive: 3-5 minutes
value reference: Progressive

Number of Local Agents
type: PropertyValue
value: State Farm: 15,000+ | Progressive: 500+
value reference: State Farm

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

Average Annual Auto Premium (Good Driver)
type: PropertyValue
value: State Farm: $2,156 | Progressive: $1,847
value reference: Progressive

Customer Service Rating
type: PropertyValue
value: State Farm: 824 | Progressive: 793
value reference: State Farm

Claims Processing Speed
type: PropertyValue
value: State Farm: 24-48 hours | Progressive: 2-3 days
value reference: Progressive

Maximum Snapshot Discount
type: PropertyValue
value: State Farm: 0% | Progressive: 30%
value reference: Progressive

Local Agent Network
type: PropertyValue
value: State Farm: 18,500+ | Progressive: Limited (online/phone primary)

NAIC Complaint Ratio
type: PropertyValue
value: State Farm: 0.55 | Progressive: 0.68
value reference: State Farm

Online Quote Time
type: PropertyValue
value: State Farm: 8-12 | Progressive: 3-5
value reference: Progressive

Market Share
type: PropertyValue
value: State Farm: 16.8% | Progressive: 12.1%
value reference: State Farm

Average Annual Auto Insurance Premium
type: PropertyValue
value: State Farm: $1,456 | Progressive: N/A

Customer Service Satisfaction (J.D. Power 2025)
type: PropertyValue
value: State Farm: 823 | Progressive: N/A

Digital Claims Processing Time
type: PropertyValue
value: State Farm: 3-5 days | Progressive: 2-3 days
value reference: Progressive

Physical Agent Locations
type: PropertyValue
value: State Farm: 19,000+ | Progressive: N/A

Mobile App Rating
type: PropertyValue
value: State Farm: 4.3 (289K reviews) | Progressive: N/A

Maximum Bundling Discount
type: PropertyValue
value: State Farm: 23% | Progressive: N/A

Snapshot Safe Driver Discount
type: PropertyValue
value: State Farm: DriveWise: Up to 30% | Progressive: N/A

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

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

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

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

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

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

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

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

Market Share (U.S. Auto Insurance)
type: PropertyValue
value: State Farm: 17.6% (largest) | Progressive: N/A

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

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

Mobile App Rating (iOS)
type: PropertyValue
value: State Farm: 4.5 stars | Progressive: N/A

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

Home + Auto Bundle Discount
type: PropertyValue
value: State Farm: Up to 24% | Progressive: Up to 20%
value reference: State Farm

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

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

Average Annual Premium (Full Coverage, Age 25-35)
type: PropertyValue
value: State Farm: $1,287 | Progressive: $1,521
value reference: State Farm

J.D. Power Customer Satisfaction
type: PropertyValue
value: State Farm: 843 | Progressive: 831
value reference: State Farm

Mobile App Rating (iOS/Android Combined)
type: PropertyValue
value: State Farm: 4.2 stars | Progressive: 4.6 stars
value reference: Progressive

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

Local Agent Availability
type: PropertyValue
value: State Farm: 18,000+ agents | Progressive: 0 (phone/chat only)
value reference: State Farm

Online Quote-to-Policy Time
type: PropertyValue
value: State Farm: 15-20 minutes | Progressive: 5-10 minutes
value reference: Progressive

National Company Ranking (2026)
type: PropertyValue
value: State Farm: N/A | Progressive: #5

Combined Ratio (Claims Efficiency)
type: PropertyValue
value: State Farm: N/A | Progressive: 86.4%

Premium Growth Rate (2026)
type: PropertyValue
value: State Farm: N/A | Progressive: 10% premium increase YoY

Average Rate vs National Average
type: PropertyValue
value: State Farm: N/A | Progressive: Below national average with competitive discounts

Gender Rate Variance (Widest Gap)
type: PropertyValue
value: State Farm: N/A | Progressive: Standardized approach with lower variance

Telematics/Usage-Based Program
type: PropertyValue
value: State Farm: N/A | Progressive: Snapshot telematics with personalized discounts

Rate Stability (2026)
type: PropertyValue
value: State Farm: N/A | Progressive: Stable adjustments with managed growth

Q1 2026 Net Income
type: PropertyValue
value: State Farm: N/A | Progressive: $2.8 billion

Combined Ratio
type: PropertyValue
value: State Farm: N/A | Progressive: 86.4%

Premium Growth Rate
type: PropertyValue
value: State Farm: N/A | Progressive: 6-8%

Net Premiums Written (Q1 2026)
type: PropertyValue
value: State Farm: N/A | Progressive: $9.911 billion

Consumer Review Ratings
type: PropertyValue
value: State Farm: N/A | Progressive: Excellent (higher ratings)

Insurify Quality Score
type: PropertyValue
value: State Farm: N/A | Progressive: Strong score

Local Agent Availability
type: PropertyValue
value: State Farm: N/A | Progressive: Limited locations

Digital Platform Experience
type: PropertyValue
value: State Farm: N/A | Progressive: Excellent, modern interface

Average Annual Home + Auto Bundle Premium
type: PropertyValue
value: State Farm: N/A | Progressive: $1,520

Available Discount Categories
type: PropertyValue
value: State Farm: N/A | Progressive: 28+

J.D. Power Customer Satisfaction (2025)
type: PropertyValue
value: State Farm: N/A | Progressive: 775

Telematics Program Max Discount
type: PropertyValue
value: State Farm: N/A | Progressive: Up to 30%

Mobile App Claims Filing Available
type: PropertyValue
value: State Farm: N/A | Progressive: Full 24/7 capability

Years in Business
type: PropertyValue
value: State Farm: N/A | Progressive: 50+

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State Farm — Wikipedia
type: CreativeWork

Progressive — Wikipedia
type: CreativeWork

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

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 Insurance Premium
type: PropertyValue
value reference: Pricing

Customer Service Satisfaction (J.D. Power 2025)
type: PropertyValue
value reference: Service Quality

Digital Claims Processing Time
type: PropertyValue
value reference: Efficiency

Physical Agent Locations
type: PropertyValue
value reference: Accessibility

Mobile App Rating
type: PropertyValue
value reference: User Experience

Maximum Bundling Discount
type: PropertyValue
value reference: Pricing

Snapshot Safe Driver Discount
type: PropertyValue
value reference: Discounts

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

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

Average Annual Auto Premium
type: PropertyValue
value reference: Pricing

Customer Satisfaction Score
type: PropertyValue
value reference: Customer Experience

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

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

Local Agent Availability
type: PropertyValue
value reference: Support Options

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

National Company Ranking (2026)
type: PropertyValue
value reference: Company Performance

Combined Ratio (Claims Efficiency)
type: PropertyValue
value reference: Operational Efficiency

Premium Growth Rate (2026)
type: PropertyValue
value reference: Company Growth

Average Rate vs National Average
type: PropertyValue
value reference: Pricing

Gender Rate Variance (Widest Gap)
type: PropertyValue
value reference: Pricing Equity

Telematics/Usage-Based Program
type: PropertyValue
value reference: Discount Features

Rate Stability (2026)
type: PropertyValue
value reference: Customer Experience

Q1 2026 Net Income
type: PropertyValue
value reference: Financial Health

Combined Ratio
type: PropertyValue
value reference: Operational Efficiency

Premium Growth Rate
type: PropertyValue
value reference: Business Growth

Net Premiums Written (Q1 2026)
type: PropertyValue
value reference: Market Size

Consumer Review Ratings
type: PropertyValue
value reference: Customer Satisfaction

Insurify Quality Score
type: PropertyValue
value reference: Quality Metrics

Local Agent Availability
type: PropertyValue
value reference: Service Distribution

Digital Platform Experience
type: PropertyValue
value reference: Technology

Average Annual Home + Auto Bundle Premium
type: PropertyValue
value reference: Pricing

Available Discount Categories
type: PropertyValue
value reference: Pricing

J.D. Power Customer Satisfaction (2025)
type: PropertyValue
value reference: Reputation

Telematics Program Max Discount
type: PropertyValue
value reference: Discounts

Mobile App Claims Filing Available
type: PropertyValue
value reference: Digital Services

Years in Business
type: PropertyValue
value reference: Company History