State Farm Versus Progressive

Which company has the cheapest rates? Nationally, on average Progressive car insurance rates are $470 less than State Farm. Compare rates below and get quotes based on your ZIP code.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • State Farm offers a multitude of insurance coverage options and discounts, while Progressive provides better customer service
  • Speaking with an agent can help you make the best decision
  • A big difference between State Farm and Progressive is Progressive providing for the high-risk market

When you compare these two seasoned car insurance giants, is State Farm cheaper than Progressive? You have to be the judge based on your research and feedback. You can get lots of help, however, from insurance writers and those who have had experience with both State Farm and Progressive.

State Farm has a history that dates back to 1922, whereas Progressive dates back to 1937.

Both have made their marks in the insurance industry since their inception. Progressive boasts about being the first to offer drive-in claims service as well as online comparison rates. State Farm’s history includes the company’s contribution during major national catastrophes.

Although marketing plays a key role in getting the message to consumers that you offer the best rates, consumers are talking to each other to determine if your claim is true.

As is common among savvy business marketing teams, companies such as State Farm and Progressive offer the facts about their products, but are they telling the whole story?

Online car insurance rates are available for the asking if you enter your ZIP code in the search tool provided here.

When it comes to service is State Farm cheaper than Progressive?

When it comes to service, people have shown that they are willing to pay for the best. You could offer the cheapest rates in town, but if your service is poor you are sure to lose business.

Those that cannot afford higher rates may settle for poor service, but as soon as their situation changes, they are going to the company with better service a large percent of the time.

State Farm has a more expansive group of coverage options when you consider home, fire, life, and auto coverage. Therefore, its customers benefit from multiple lines and multiple vehicle discounts.

In that case, your family may benefit from a State Farm policy because of the discounts that will make a combined policy cheaper.

However, if Progressive is offering better customer service, it may steal a few customers from State Farm just based on that factor.

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When you check online, is State Farm cheaper than Progressive?

When you request an online quote from either insurer, you may get a different quote today then you may receive one week from today. You may enter slightly different information that could tip the scales in one direction or another.

It is a good idea to speak with an agent to narrow your quote to a more accurate figure as you become more serious about making a decision.

An agent is better equipped to customize your policy so that you will not end up paying for unnecessary inclusions. State Farm offers a Double Check discount feature so that you will have an idea of the discounts for which you qualify.

Progressive is just as competitive as it offers clever online features that allow you to claim several discounts through the company’s coverage.

Is it fair to compare State Farm to Progressive car insurance?

Some may question the comparison of State Farm to Progressive. State Farm is an insurance company that has a reputation for being capable and financially strong enough to handle all of your family’s property and casualty needs. Progressive is also a financially strong company built to offer the same lines.

Progressive, on the other hand, has built a good reputation, but it is known for handling the high-risk market. When you are facing a structural crisis with your home or considering life insurance, Progressive is probably not your first option, although they offer:

This is another reason why an agent will be very helpful in making a final choice.

What are people saying about State Farm and Progressive?

People are asking one another for online answers and referrals, and one guy brought up an observation that many car insurance companies have commercials where they are comparing themselves to one another, but no one is comparing their company to State Farm.

The question posed was “Does anyone know why?”

Could it be because State Farm is currently in the Number One slot, or could it be because there is no need to challenge State Farm’s rate?

The answer may be one or more reasons, but reviewers are vocally favoring one company or the other online. We found Progressive fans commenting on how pleasant Progressive’s customer service representatives were and how smooth the claims process was for them.

A dissenting voice gave her commentary on how there is no way Progressive’s customer service is better than State Farm’s. Everybody has an opinion, based on their own individual experience with either company.

You can make your own online car insurance rates comparison by entering your ZIP code below to start the process.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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