Progressive vs. State Farm: Which offers the cheapest auto insurance rates?

Progressive vs. State Farm: Which one is the cheapest?

State Farm costs $502 per year, while State Farm costs $549 per year for state minimum coverage.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, State Farm costs an average of $1,984. On the other hand, Progressive is more expensive, with an average cost of $1,998.

It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Progressive	$1,998	$549	$709
State Farm	$1,984	$502	$651

Progressive vs. State Farm: Rates by age group

Teen drivers pay the highest car insurance rates. State Farm offers the cheapest car insurance rates for teen drivers at $5,368 per year. On the other hand, Progressive offers car insurance rates at an average of $7,174 annually.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,985 a year at State Farm, while car insurance for adults at Progressive costs $2,009 per year.

Age group	Progressive	State Farm
Teens	$7,174	$5,368
Young adults	$3,242	$3,179
Adults	$2,009	$1,985
Seniors	$2,000	$1,858

Progressive vs. State Farm: Rates for high-risk drivers

Progressive offers the best rates for high-risk drivers. These are drivers with multiple speeding tickets, accidents, or serious offenses like a DUI on their driving record making it difficult to find affordable auto insurance.

For drivers with a DUI, Progressive offers lower rates, with an average cost of $2,707 a year.

Refer the table below to see how Progressive rates compare to State Farm rates.

Type of violation	Progressive	State Farm
1 At-fault property damage accident over $2K	$3,119	$2,411
1 At-fault property damage accident under $2K	$3,103	$2,403
At-fault bodily injury accident	$3,126	$2,497
Careless driving	$2,936	$2,419
DUI	$2,707	$3,179
Reckless driving	$2,982	$3,037
Speeding	$2,650	$2,321

Progressive vs. State Farm: Which is better rated?

Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how Progressive and State Farm scored in the best car insurance companies of 2025.

Overall, Progressive scored 4.14, while State Farm scored 4.27.

Ratings	Progressive	State Farm
NAIC	0.65	0.70
AM Best	A+	A++
Average annual premium	$1,992	$1,980
Average monthly premium	$166	$165
Customer Satisfaction	3.9	4.2
Insurance.com score	4.1	4.3

Progressive vs. State Farm: Rates in your state

Insurance rates are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from Progressive and State Farm. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.

State	State Farm	Progressive
Alabama	$1,790	$2,402
Alaska	$1,713	$1,742
Arizona	$2,233	$1,903
Arkansas	$2,060	$2,431
California	$2,701	$2,179
Colorado	$1,950	$2,796
Connecticut	$1,733	$1,708
Delaware	$2,153	$1,999
Florida	$2,119	$2,902
Georgia	$2,344	$1,656
Hawaii	$1,938	$1,279
Idaho	$1,120	N/A
Illinois	$1,633	$1,412
Indiana	$1,616	$1,480
Iowa	$1,306	$1,589
Kansas	$1,976	$1,937
Kentucky	$2,753	$2,714
Louisiana	$3,570	$3,065
Maine	$1,262	$1,106
Maryland	$2,177	$1,895
Massachusetts	$689	$2,016
Michigan	$3,698	$2,069
Minnesota	$1,525	N/A
Mississippi	$1,797	$2,131
Missouri	$2,072	$1,960
Montana	$1,858	$2,414
Nebraska	$2,344	$1,964
Nevada	$1,443	$2,482
New Hampshire	$1,155	$1,343
New Jersey	$2,153	$2,187
New Mexico	$1,669	$1,557
New York	$1,951	$1,020
North Carolina	$1,180	$2,028
North Dakota	$1,738	$1,403
Ohio	N/A	$1,626
Oklahoma	$1,861	$1,194
Oregon	$1,502	$1,765
Pennsylvania	$2,473	$2,193
Rhode Island	$1,319	$1,841
South Carolina	$2,106	$1,816
South Dakota	$2,096	$3,163
Tennessee	$1,677	$1,550
Texas	$1,956	$3,032
Utah	$2,175	$1,845
Vermont	$1,139	$926
Virginia	$1,479	$2,120
Washington	$1,794	$2,554
Washington, D.C.	$2,426	$1,488
West Virginia	$1,691	$1,825
Wisconsin	$2,378	$2,128
Wyoming	$1,521	N/A

Progressive vs. State Farm: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Progressive and State Farm offer to their customers.

Discounts	Progressive	State Farm
Multi policy	9%	10%
Lower annual mileage	5%	10%
Days advanced purchase	4%	N/A
Education	4%	N/A
Safety devices	3%	4%
Homeowner	4%	2%
Electronic funds transfer	3%	N/A
Loyalty	3%	18%
Air bags	1%	2%
Daily commute	N/A	2%
Profession	14%	N/A
Telematics	10%	13%
Marital status	12%	N/A
Payment type	11%	N/A
Electronic signature	10%	N/A
Anti-theft device	0%	1%
Paperless/electornic documents	1%	N/A

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Progressive vs. State Farm: The bottom line

Both Progressive and State Farm are good insurance companies, but if getting the lowest rates is your priority, State Farm might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: