Auto Insurance · Head-to-head
Progressive vs State Farm: Which auto insurance wins?
Side-by-side comparison of Progressive and State Farm auto insurances — APR ranges, credit floors, application speed, and editorial verdict.
Progressive
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
State Farm
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
Editor's verdict
State Farm wins on price + claims; Progressive wins for non-standard drivers.
State Farm's $1,471/year national average undercuts Progressive's $1,633 by $162 — a smaller gap than most top-5 comparisons but still in State Farm's favor. State Farm also outscores Progressive on J.D. Power claims satisfaction (#3 vs. #16) and customer retention. Progressive's edge is in non-standard underwriting: drivers with DUIs, SR-22 filings, multiple at-fault claims, or sub-650 credit-based insurance scores frequently get their cheapest legal quote from Progressive. Verdict: clean record + good credit → State Farm. Anything that triggers non-standard underwriting → Progressive.
- State Farm is $162/year cheaper on average (Quadrant 2024).
- State Farm ranks #3 on J.D. Power claims; Progressive ranks #16.
- Both carry AM Best A+ or higher — financial strength is comparable.
- Progressive accepts DUI applicants; State Farm typically does not after a recent DUI.
- Progressive's Snapshot telematics discount can hit 30%; State Farm's Drive Safe & Save also 30%.
Side-by-side breakdown
| Feature | Progressive | State Farm |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.4/5 | 4.5/5 |
| Rates & APR score (40%) | 4.3 | 4.4 |
| Loan terms score (25%) | 4.5 | 4.6 |
| Application score (20%) | 4.4 | 4.5 |
| Support score (15%) | 4.3 | 4.7 |
APR range
Progressive
—
State Farm
—
Min credit score
Progressive
—
State Farm
—
Loan amount
Progressive
—
State Farm
—
Term length
Progressive
—
State Farm
—
Overall rating
Progressive
4.4/5
State Farm
4.5/5
Rates & APR score (40%)
Progressive
4.3
State Farm
4.4
Loan terms score (25%)
Progressive
4.5
State Farm
4.6
Application score (20%)
Progressive
4.4
State Farm
4.5
Support score (15%)
Progressive
4.3
State Farm
4.7
Editor verdicts
Why we rate Progressive 4.4/5
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
Why we rate State Farm 4.5/5
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
Who should pick which?
Pick Progressive if…
- You trust Progressive's 4.4/5 editorial score.
Pick State Farm if…
- You prefer a fast, soft-pull-friendly online application.
- You want flexible loan terms and amount ranges.
Frequently asked questions
Answers to the most-searched questions about Progressive vs State Farm.
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