- Progressive vs. State Farm: Which one is the cheapest?
- Progressive vs. State Farm: Rates by age group
- Progressive vs. State Farm: Rates for high-risk drivers
- Progressive vs. State Farm: Which is better rated?
- Progressive vs. State Farm: Rates in your state
- Progressive vs. State Farm: Which offers better discounts?
- Progressive vs. State Farm: The bottom line
- Methodology
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 major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.
Adults pay an average of $1,985 with State Farm, while Progressive charges an average of $2,009 for an adult. The table below lists the car insurance rates for different age groups for Progressive and State Farm.
| 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 has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.
For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.
Take a look at the table below for Progressive rates compared 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 | ||
| Insurance.com score |
Progressive vs. State Farm: Rates in your state
Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for Progressive and State Farm. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| 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 great way to save money on your annual insurance premiums. Below are some of the discounts that 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 |
When shopping for car insurance, always ask about available discounts to see which ones you qualify for.
Progressive vs. State Farm: The bottom line
Both Progressive and State Farm are solid insurance companies, but if rates are what matter most to you, State Farm may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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