general
State Farm vs Progressive 2026: Pricing & Claims
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.
SF
State Farm
Largest auto insurer in the U.S. with 18,000+ local agents and emphasis on personal service.
Customers who value personal agent relationships, want competitive pricing, prefer face-to-face service, and live in areas with strong agent networks.
Score63%
VS
P
Progressive
Second-largest U.S. auto insurer focused on digital innovation, speed, and usage-based discounts.
Tech-savvy drivers who prioritize digital convenience, want the fastest claims resolution, seek maximum savings through usage-based monitoring, and rarely need in-person support.
Score63%
Quick Answer
AI SummaryState 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.
Our Verdict
AI-assistedChoose 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.
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S
State Farm
7.4/10
Progressive
7.6/10
P
S
Choose State Farm if
Customers who value personal agent relationships, want competitive pricing, prefer face-to-face service, and live in areas with strong agent networks.
P
Choose Progressive if
Best pickTech-savvy drivers who prioritize digital convenience, want the fastest claims resolution, seek maximum savings through usage-based monitoring, and rarely need in-person support.
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Key Differences at a Glance
- Average Annual Premium (Full Coverage):✓ State Farm wins($1,287 vs $1,521)
- J.D. Power Customer Satisfaction Rating:✓ State Farm wins(843/1000 vs 831/1000)
- Digital Claims Processing Time:✓ Progressive wins(2-3 business days vs 5-7 business days)
Key Facts & Figures
58 numeric metrics compared
| Metric | State Farm | Progressive | Ratio |
|---|---|---|---|
| Customer Base(millions) | 18M+ | — | — |
| 2026 Revenue Projection(billion USD) | $20B+ | — | — |
| Year Founded | 1922 | — | — |
| Customer Dividend/Returns (2026)(billion USD) | $5B dividend | — | — |
| Auto Insurance Market Share(percent) | 16.5% | — | — |
| Average Annual Auto Premium(USD) | $1,420 | — | — |
| Customer Service J.D. Power Score(out of 1000) | 779 | — | — |
| Available Insurance Discounts(count) | 20+ | — | — |
| Mobile App Rating (Google Play)(stars) | 4.3 | — | — |
| Years in Business(years) | 90+ years (founded 1931) | — | — |
| US Auto Insurance Market Share(%) | 17.1% | — | — |
| Global Customers(millions) | 88 million (US + Canada primarily) | — | — |
| Customer Satisfaction Score(Score) | 821 | — | — |
| Average Auto Insurance Bundle Discount(%) | 25% | — | — |
| Claims Processing Time (Auto)(days) | 2-4 business days | — | — |
| International Operations(countries) | 3 | — | — |
| Average Annual Full Coverage Premium(USD) | $1,240 | $1,485 | |
| Claims Processing Time (Mobile)(business days) | 5-7 days | 2-3 days | |
| J.D. Power Customer Satisfaction Score(score out of 1000) | 82/100 | 79/100 | |
| Maximum Usage-Based Discount(percent off) | 30% | 40% | |
| Online Quote Completion Time(minutes) | 12-15 minutes | 3-5 minutes | |
| Number of Local Agents(agents) | 15,000+ | 500+ | |
| Average Annual Auto Premium (Good Driver)(USD) | $2,156 | $1,847 | |
| Customer Service Rating(J.D. Power Score /1000) | 824 | 793 | |
| Claims Processing Speed(business days) | 24-48 hours | 2-3 days | |
| Maximum Snapshot Discount(percent) | 0% | 30% | |
| Local Agent Network(agents) | 18,500+ | Limited (online/phone primary) | — |
| NAIC Complaint Ratio(per 1,000 policies) | 0.55 | 0.68 | |
| Online Quote Time(minutes) | 8-12 | 3-5 | |
| Market Share(percent) | 16.8% | 12.1% | |
| Average Annual Auto Premium (Safe Driver)(USD) | $1,156 | — | — |
| U.S. Auto Insurance Market Share(%) | 17.9% | — | — |
| Maximum Multi-Policy Bundling Discount(%) | 20% | — | — |
| J.D. Power Customer Satisfaction Ranking(position) | 1st place (2024) | — | — |
| Mobile App Rating (User Reviews)(stars) | 4.6/5.0 | — | — |
| Number of Insurance Agents Nationwide(count) | 19,000+ | — | — |
| Average Claims Processing Time (Mobile)(business days) | 1-2 days | — | — |
| Market Share (U.S. Auto Insurance)(%) | 16.8% | — | — |
| Average Annual Auto Premium(USD) | $1,547 | — | — |
| Customer Satisfaction Score(out of 5) | 798 | — | — |
| Mobile App Rating (iOS)(stars (out of 5)) | 4.5 stars | — | — |
| Agent Network Size(agents) | 18,000+ | — | — |
| Home + Auto Bundle Discount(%) | Up to 24% | Up to 20% | |
| Average Claims Resolution Time(days) | 3-5 days | — | — |
| 24/7 Customer Support Availability(hours per day) | 24/7 | — | — |
| Average Annual Premium (Full Coverage, Age 25-35)(USD) | $1,287 | $1,521 | |
| J.D. Power Customer Satisfaction(points (out of 1000)) | 843 | 831 | |
| Digital Claims Processing Time(business days) | 5-7 days | 2-3 days | |
| Mobile App Rating (iOS/Android Combined)(stars (out of 5)) | 4.2 stars | 4.6 stars | |
| Online Quote-to-Policy Time(minutes) | 15-20 minutes | 5-10 minutes | |
| Combined Ratio (Claims Efficiency)(%) | 86.4% | 86.4% | |
| Premium Growth Rate (2026)(%) | 10% premium increase YoY | 10% premium increase YoY | |
| Q1 2026 Net Income(billions USD) | $2.8 billion | $2.8 billion | |
| Average Annual Home + Auto Bundle Premium(USD) | $1,520 | $1,520 | |
| Available Discount Categories(count) | 28+ | 28+ | |
| J.D. Power Customer Satisfaction (2025)(score (out of 1000)) | 775 | 775 | |
| Telematics Program Max Discount(percent savings) | Up to 30% | Up to 30% | |
| Years in Business(years) | 50+ | 50+ |
Sourced from publicly available data ·
Key Differences
7 attributes compared head-to-head
SF
3State FarmEvenly matched1 tie
P
3ProgressiveState Farm
Attribute
Progressive
- $1,287(winner)Average Annual Premium (Full Coverage)$1,521
- 843/1000(winner)J.D. Power Customer Satisfaction Rating831/1000
- 5-7 business daysDigital Claims Processing Time2-3 business days(winner)
- Up to 30% offUsage-Based Discount (Snapshot/Clarity)Up to 40% off(winner)
- A+ (Superior)AM Best Financial Strength RatingA+ (Superior)
- 4.2/5 starsMobile App Rating (iOS/Android)4.6/5 stars(winner)
- 18,000+ local agents(winner)Agent-Assisted OptionsPhone and chat only
- Average Annual Premium (Full Coverage)
State Farm
$1,287(winner)
Progressive
$1,521
- J.D. Power Customer Satisfaction Rating
State Farm
843/1000(winner)
Progressive
831/1000
- Digital Claims Processing Time
State Farm
5-7 business days
Progressive
2-3 business days(winner)
- Usage-Based Discount (Snapshot/Clarity)
State Farm
Up to 30% off
Progressive
Up to 40% off(winner)
- AM Best Financial Strength Rating
State Farm
A+ (Superior)
Progressive
A+ (Superior)
- Mobile App Rating (iOS/Android)
State Farm
4.2/5 stars
Progressive
4.6/5 stars(winner)
- Agent-Assisted Options
State Farm
18,000+ local agents(winner)
Progressive
Phone and chat only
Full Comparison
| Attribute | State Farm | Progressive |
|---|---|---|
| 2025 Net Income(billion USD) | $12.9 billion | — |
| Rate Reductions Announced 2026(customers affected) | 700,000+ (Florida, April 2026) | — |
| Net Income (2025)($ Billion) | State Farm | — |
| Available Discounts(count) | Standard package | — |
| Accident/DUI Rate Premium Increase(percentage) | More competitive | — |
| Geographic Coverage(states) | All 50 states | — |
| Product Coverage Types | Auto, Home, Renters, Life | — |
| Specialized Coverage Options Available(count) | Standard auto, home, life, umbrella | — |
| Customer Satisfaction Rating(relative ranking) | Solid ratings | — |
| Claims Processing(null) | Full digital + agent options | — |
| Customer Satisfaction Level | Higher | — |
| Customer Service Rating(J.D. Power Score /1000) | 824(winner) | 793 |
| Service Model(null) | Agent + Digital | — |
| Claims Processing Speed | 3-7 days | — |
| Claims Processing Time (Auto)(days) | 2-4 business days | — |
| Claims Processing Time (Mobile)(business days) | 5-7 days | 2-3 days(winner) |
| Average Premium Rates | Lower | — |
| Add-On Coverage Availability | Standard | — |
| Price Transparency Rating | High | — |
| Digital Platform Ease of Use | User-friendly | — |
| Customer Service J.D. Power Score(out of 1000) | 779 | — |
| J.D. Power Customer Satisfaction Ranking(position) | 1st place (2024) | — |
| Customer Satisfaction Score(out of 5) | 798 | — |
Show 1 more attributeRate Stability (2026) Stable adjustments with managed growth — | ||
| Product Diversity | Comprehensive | — |
| Available Insurance Discounts(count) | 20+ | — |
| Discount Programs(Relative Offering) | Extensive | — |
| Dividend Payout Status (2026) | Record dividend | — |
| Homeowners Insurance Ranking | No. 3 | — |
| Bundle Discount Maximum(%) | 17% | — |
| Average Rate Competitiveness | Lower | — |
| Average Annual Premium(relative to national average) | $380-$395 | — |
| Average Annual Auto Premium(USD) | $1,420 | — |
| Average Auto Insurance Bundle Discount(%) | 25% | — |
Show 8 more attributesAverage Annual Full Coverage Premium(USD) $1,240 $1,485 Average Annual Auto Premium (Good Driver)(USD) $2,156 $1,847 Average Annual Auto Premium (Safe Driver)(USD) $1,156 — Average Annual Auto Premium(USD) $1,547 — Average Annual Premium (Full Coverage, Age 25-35)(USD) $1,287 $1,521 Average Rate vs National Average Below national average with competitive discounts — Average Annual Home + Auto Bundle Premium(USD) $1,520 — Available Discount Categories(count) 28+ — | ||
| Auto Insurance Rating(/5) | 4.4/5 | — |
| Consumer Review Ratings(Comparative Score) | Excellent (higher ratings) | — |
| Financial Strength Rating | Better | — |
| Financial Stability Rating(rating) | A++ (AM Best) | A+ (AM Best) |
| Q1 2026 Net Income(billions USD) | $2.8 billion | — |
| Agent Recruitment Growth (YoY)(%) | 34% | — |
| Premium Growth Rate(Year-over-Year %) | 6-8% | — |
| Recent Customer Dividend(Billion USD) | $5B | — |
| Customer Base(millions) | 18M+ | — |
| Global Customers(millions) | 88 million (US + Canada primarily) | — |
| 2026 Revenue Projection(billion USD) | $20B+ | — |
| Digital Availability | Hybrid | — |
| Year Founded | 1922 | — |
| Customer Dividend/Returns (2026)(billion USD) | $5B dividend | — |
| Auto Insurance Market Share(percent) | 16.5% | — |
| US Auto Insurance Market Share(%) | 17.1% | — |
| Market Share(percent) | 16.8% | 12.1% |
| U.S. Auto Insurance Market Share(%) | 17.9% | — |
| Market Share (U.S. Auto Insurance)(%) | 16.8% | — |
| Mobile App Rating (Google Play)(stars) | 4.3 | — |
| Mobile App Rating (User Reviews)(stars) | 4.6/5.0 | — |
| Mobile App Rating (iOS)(stars (out of 5)) | 4.5 stars | — |
| Mobile App Rating (iOS/Android Combined)(stars (out of 5)) | 4.2 stars | 4.6 stars(winner) |
| Number of Local Agents(agents) | ~18,000+ nationwide | — |
| Years in Business(years) | 90+ years (founded 1931) | — |
| AM Best Financial Strength Rating(rating) | A+ (Superior) | — |
| AM Best Financial Strength Rating(rating) | A+ (Superior) | A+ (Superior) |
| Customer Satisfaction Score(Score) | 821 | — |
| Life Insurance Product Variety | Basic term and whole life options | — |
| Agent Network Availability | 20,000+ exclusive local agents | — |
| Number of Insurance Agents Nationwide(count) | 19,000+ | — |
| Agent Network Size(agents) | 18,000+ | — |
| International Operations(countries) | 3 | — |
| J.D. Power Customer Satisfaction Score(score out of 1000) | 82/100(winner) | 79/100 |
| Number of Local Agents(agents) | 15,000+(winner) | 500+ |
| Claims Processing Speed(business days) | 24-48 hours | 2-3 days(winner) |
| J.D. Power Customer Satisfaction(points (out of 1000)) | 843(winner) | 831 |
| Maximum Usage-Based Discount(percent off) | 30% | 40%(winner) |
| Maximum Snapshot Discount(percent) | 0% | 30%(winner) |
| Maximum Multi-Policy Bundling Discount(%) | 20% | — |
| Home + Auto Bundle Discount(%) | Up to 24%(winner) | Up to 20% |
| Telematics Program Max Discount(percent savings) | Up to 30% | — |
| Online Quote Completion Time(minutes) | 12-15 minutes | 3-5 minutes(winner) |
| Local Agent Network(agents) | 18,500+ | Limited (online/phone primary) |
| NAIC Complaint Ratio(per 1,000 policies) | 0.55(winner) | 0.68 |
| Online Quote Time(minutes) | 8-12 | 3-5(winner) |
| Average Claims Processing Time (Mobile)(business days) | 1-2 days | — |
| Average Claims Resolution Time(days) | 3-5 days | — |
| 24/7 Customer Support Availability(hours per day) | 24/7 | — |
| Digital Claims Processing Time(business days) | 5-7 days | 2-3 days(winner) |
| Local Agent Availability(agents) | 18,000+ agents(winner) | 0 (phone/chat only) |
| Online Quote-to-Policy Time(minutes) | 15-20 minutes | 5-10 minutes(winner) |
| National Company Ranking (2026) | #5 | — |
| Combined Ratio (Claims Efficiency)(%) | 86.4% | — |
| Combined Ratio(Percentage (%)) | 86.4% | — |
| Premium Growth Rate (2026)(%) | 10% premium increase YoY | — |
| Gender Rate Variance (Widest Gap)(percentage point difference) | Standardized approach with lower variance | — |
| Telematics/Usage-Based Program | Snapshot telematics with personalized discounts | — |
| Net Premiums Written (Q1 2026)(Billions USD) | $9.911 billion | — |
| Insurify Quality Score(Comparative Rank) | Strong score | — |
| Local Agent Availability(Network Scale) | Limited locations | — |
| Digital Platform Experience(User Experience Rating) | Excellent, modern interface | — |
| J.D. Power Customer Satisfaction (2025)(score (out of 1000)) | 775 | — |
| Mobile App Claims Filing Available(yes/no) | Full 24/7 capability | — |
| Years in Business(years) | 50+ | — |
SState Farm
PProgressive
2025 Net Income(billion USD)
$12.9 billion
—
Rate Reductions Announced 2026(customers affected)
700,000+ (Florida, April 2026)
—
Net Income (2025)($ Billion)
State Farm
—
Available Discounts(count)
Standard package
—
Accident/DUI Rate Premium Increase(percentage)
More competitive
—
Geographic Coverage(states)
All 50 states
—
Product Coverage Types
Auto, Home, Renters, Life
—
Specialized Coverage Options Available(count)
Standard auto, home, life, umbrella
—
Customer Satisfaction Rating(relative ranking)
Solid ratings
—
Claims Processing(null)
Full digital + agent options
—
Customer Satisfaction Level
Higher
—
Customer Service Rating(J.D. Power Score /1000)
824
793
Service Model(null)
Agent + Digital
—
Claims Processing Speed
3-7 days
—
Claims Processing Time (Auto)(days)
2-4 business days
—
Claims Processing Time (Mobile)(business days)
5-7 days
2-3 days
Average Premium Rates
Lower
—
Add-On Coverage Availability
Standard
—
Price Transparency Rating
High
—
Digital Platform Ease of Use
User-friendly
—
Customer Service J.D. Power Score(out of 1000)
779
—
J.D. Power Customer Satisfaction Ranking(position)
1st place (2024)
—
Customer Satisfaction Score(out of 5)
798
—
Show 1 more attribute
Rate Stability (2026)
Stable adjustments with managed growth
—
Product Diversity
Comprehensive
—
Available Insurance Discounts(count)
20+
—
Discount Programs(Relative Offering)
Extensive
—
Dividend Payout Status (2026)
Record dividend
—
Homeowners Insurance Ranking
No. 3
—
Bundle Discount Maximum(%)
17%
—
Average Rate Competitiveness
Lower
—
Average Annual Premium(relative to national average)
$380-$395
—
Average Annual Auto Premium(USD)
$1,420
—
Average Auto Insurance Bundle Discount(%)
25%
—
Show 8 more attributes
Average Annual Full Coverage Premium(USD)
$1,240
$1,485
Average Annual Auto Premium (Good Driver)(USD)
$2,156
$1,847
Average Annual Auto Premium (Safe Driver)(USD)
$1,156
—
Average Annual Auto Premium(USD)
$1,547
—
Average Annual Premium (Full Coverage, Age 25-35)(USD)
$1,287
$1,521
Average Rate vs National Average
Below national average with competitive discounts
—
Average Annual Home + Auto Bundle Premium(USD)
$1,520
—
Available Discount Categories(count)
28+
—
Auto Insurance Rating(/5)
4.4/5
—
Consumer Review Ratings(Comparative Score)
Excellent (higher ratings)
—
Financial Strength Rating
Better
—
Financial Stability Rating(rating)
A++ (AM Best)
A+ (AM Best)
Q1 2026 Net Income(billions USD)
$2.8 billion
—
Agent Recruitment Growth (YoY)(%)
34%
—
Premium Growth Rate(Year-over-Year %)
6-8%
—
Recent Customer Dividend(Billion USD)
$5B
—
Customer Base(millions)
18M+
—
Global Customers(millions)
88 million (US + Canada primarily)
—
2026 Revenue Projection(billion USD)
$20B+
—
Digital Availability
Hybrid
—
Year Founded
1922
—
Customer Dividend/Returns (2026)(billion USD)
$5B dividend
—
Auto Insurance Market Share(percent)
16.5%
—
US Auto Insurance Market Share(%)
17.1%
—
Market Share(percent)
16.8%
12.1%
U.S. Auto Insurance Market Share(%)
17.9%
—
Market Share (U.S. Auto Insurance)(%)
16.8%
—
Mobile App Rating (Google Play)(stars)
4.3
—
Mobile App Rating (User Reviews)(stars)
4.6/5.0
—
Mobile App Rating (iOS)(stars (out of 5))
4.5 stars
—
Mobile App Rating (iOS/Android Combined)(stars (out of 5))
4.2 stars
4.6 stars
Number of Local Agents(agents)
~18,000+ nationwide
—
Years in Business(years)
90+ years (founded 1931)
—
AM Best Financial Strength Rating(rating)
A+ (Superior)
—
AM Best Financial Strength Rating(rating)
A+ (Superior)
A+ (Superior)
Customer Satisfaction Score(Score)
821
—
Life Insurance Product Variety
Basic term and whole life options
—
Agent Network Availability
20,000+ exclusive local agents
—
Number of Insurance Agents Nationwide(count)
19,000+
—
Agent Network Size(agents)
18,000+
—
International Operations(countries)
3
—
J.D. Power Customer Satisfaction Score(score out of 1000)
82/100
79/100
Number of Local Agents(agents)
15,000+
500+
Claims Processing Speed(business days)
24-48 hours
2-3 days
J.D. Power Customer Satisfaction(points (out of 1000))
843
831
Maximum Usage-Based Discount(percent off)
30%
40%
Maximum Snapshot Discount(percent)
0%
30%
Maximum Multi-Policy Bundling Discount(%)
20%
—
Home + Auto Bundle Discount(%)
Up to 24%
Up to 20%
Telematics Program Max Discount(percent savings)
Up to 30%
—
Online Quote Completion Time(minutes)
12-15 minutes
3-5 minutes
Local Agent Network(agents)
18,500+
Limited (online/phone primary)
NAIC Complaint Ratio(per 1,000 policies)
0.55
0.68
Online Quote Time(minutes)
8-12
3-5
Average Claims Processing Time (Mobile)(business days)
1-2 days
—
Average Claims Resolution Time(days)
3-5 days
—
24/7 Customer Support Availability(hours per day)
24/7
—
Digital Claims Processing Time(business days)
5-7 days
2-3 days
Local Agent Availability(agents)
18,000+ agents
0 (phone/chat only)
Online Quote-to-Policy Time(minutes)
15-20 minutes
5-10 minutes
National Company Ranking (2026)
#5
—
Combined Ratio (Claims Efficiency)(%)
86.4%
—
Combined Ratio(Percentage (%))
86.4%
—
Premium Growth Rate (2026)(%)
10% premium increase YoY
—
Gender Rate Variance (Widest Gap)(percentage point difference)
Standardized approach with lower variance
—
Telematics/Usage-Based Program
Snapshot telematics with personalized discounts
—
Net Premiums Written (Q1 2026)(Billions USD)
$9.911 billion
—
Insurify Quality Score(Comparative Rank)
Strong score
—
Local Agent Availability(Network Scale)
Limited locations
—
Digital Platform Experience(User Experience Rating)
Excellent, modern interface
—
J.D. Power Customer Satisfaction (2025)(score (out of 1000))
775
—
Mobile App Claims Filing Available(yes/no)
Full 24/7 capability
—
Years in Business(years)
50+
—
Pros & Cons
10 pros·6 cons across both
SF
P
SF
State Farm
+5-3
Pros
- 15-20% lower average premiums than Progressive ($1,287 vs $1,521 annually)
- 18,000+ local agents for in-person support and policy customization
- Higher J.D. Power customer satisfaction (843/1000 vs 831/1000)
- Strong bundling discounts (auto + home = up to 25% savings)
- Established brand trust with 99+ years of history
Cons
- Slower digital claims processing (5-7 business days vs Progressive's 2-3 days)
- Lower usage-based discount maximum (30% vs Progressive's 40%)
- Limited mobile app functionality compared to competitors (4.2/5 rating)
P
Progressive
+5-3
Pros
- Industry-leading digital claims (2-3 business days vs 5-7 for State Farm)
- Highest usage-based discount available (40% with Snapshot vs 30% with State Farm)
- Superior mobile app (4.6/5 vs 4.2/5), voted most user-friendly in 2025 reviews
- Fast online quotes and policy adjustments within minutes
- Accident forgiveness and safe driving discount stacking options
Cons
- 15-20% higher average premiums ($1,521 vs $1,287 annually)
- No local agents—phone and chat support only, not ideal for those preferring face-to-face interaction
- Lower J.D. Power satisfaction rating (831/1000 vs State Farm's 843/1000)
Frequently Asked Questions
5 questions
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.
Resources & Learn More
Curated sources to dive deeper
Wikipedia
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