How does Progressive compare to State Farm?


Editorial team Published on

Progressive generally offers lower average rates and better online tools, while State Farm excels in customer service and local agent support.

Cost and Pricing

  • Progressive: Often cheaper overall for standard driver profiles, high-risk drivers (such as those with a DUI or multiple violations), and tech-focused policy management. Features the Name Your Price tool to help match a budget.
  • State Farm: Tends to be more competitive for drivers with clean records, young drivers/teenagers in certain categories, or those who qualify for specific bundling and low-mileage discounts.

Customer Service and Claims

  • State Farm: Consistently scores higher in J.D. Power customer satisfaction and claims handling surveys. Known for its robust network of dedicated local agents.
  • Progressive: Offers solid digital and mobile app experiences, but generally relies less on in-person local agent interactions compared to State Farm.

Safe Driving Tracking Programs

  • Progressive (Snapshot): Can offer significant discounts, but poor driving habits tracked through the app or device can raise your rates.
  • State Farm (Drive Safe & Save): Works strictly as a discount program; poor driving scores will reduce your discount rather than actively penalize or raise your base rate.

Which Should You Choose?

  • Choose Progressive if: You want lower average baseline rates, prefer managing your policy entirely online, or have a less-than-perfect driving record.
  • Choose State Farm if: You prefer working face-to-face with a local agent and prioritize high-rated customer service and claim satisfaction.