Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 3, 2021

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Key Takeaways

  • Progressive and State Farm both offer affordable car insurance
  • Depending on a number of factors, your Progressive or State Farm car insurance rates may vary
  • Discounts can help you save a lot of money on monthly car insurance premiums
  • Both Progressive and State Farm have good customer service ratings

When you start to consider a new car insurance company, comparing Progressive vs. State Farm car insurance makes sense. Both of these powerhouse companies are known for great rates, excellent discounts, and good customer service.

Checking out the State Farm car insurance review will give you some valuable information. However, pitting two companies against each other will provide you with a better view of which company will be more affordable.

Figuring out if there is affordable Progressive or State Farm car insurance for you becomes simple when you look at rates side by side. Different situations make rates vary drastically. Inside, we will cover several other aspects to give you an idea of what you may pay with these two companies.

Before jumping into this Progressive vs. State Farm car insurance review, enter your ZIP code here to gather free quotes from top-rated insurance companies in your area and see how much you can save.

Which company is more affordable, Progressive or State Farm car insurance?

Progressive and State Farm are both known for offering customers great rates. However, various factors will be considered when determining what your specific base rates will be.

Car insurance companies look at your age, location, education, credit history, driving record, annual mileage, and more when deciding how risky it is to insure you. Once your risk level is determined, your rates can be established.

Now, let’s look at various driving situations and how much the Progressive or State Farm car insurance companies may charge you.

Progressive vs. State Farm: Rates Based on Age

Most people are aware their age will impact their car insurance rates. However, many people don’t realize how much. The older you are, the cheaper your car insurance rates will be.

The reason rates are cheaper for older people is because they have more experience driving. Teenager car insurance rates are expensive because they are more likely to be involved in an accident due to inexperience.

Progressive vs. State Farm Average Monthly Rates Based on Age
AgeAverage Progressive Monthly PremiumAverage State Farm Monthly Premium
Teenagers$687.33$485.00
20-29$190.58$198.25
30-39$137.17$198,25
40-49$137.00$132,25
50-59$128.50$129.33
60-69$116.92$123,75
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Looking at Progressive or State Farm car insurance quote based on age, we see Progressive is more affordable for every age group, but only by a small amount.

This means paying attention to discounts will be important when searching for the most affordable company between Progressive and State Farm.

Progressive vs. State Farm: Rates Based on Driving Record

Your driving record is one of the most critical factors to insurance companies when figuring out your rates. Obviously, the fewer infractions you have, the more affordable your rates will be.

This is another place where looking over the Progressive car insurance review is good but comparing against another company is better. So, let’s take a look at what several different infraction situations may cost you.

Progressive vs. State Farm Average Monthly Rates Based on Credit Score
Credit Score RangeAverage Progressive Monthly RatesAverage State Farm Monthly Rates
300-579 (Very Poor)$300.17$293.50
580-669 (Fair)$177.25$166.92
670-739 (Good)$142.33$134.42
740-799 (Very Good)$121.08$120.92
800-850 (Exceptional)$110.00$105.00
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State Farm’s rates beat Progressive’s for every credit score range. However, these two companies are both close and relatively affordable. Again, discounts are likely going to determine which company is the cheapest for you.

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What discounts are available from Progressive and State Farm?

As we have mentioned, discounts can save you a decent amount of money. Finding the car insurance company you qualify for the most discounts with will help you attain the cheapest rates.

Many discounts between insurance companies are similar. However, the amount you get off can vary. Additionally, each company will offer some discounts that you won’t find with others.

Progressive vs. State Farm Available Discounts
DiscountsProgressiveState Farm
Anti-theft devicesNoYes
Auto-payYesNo
Bundling (multi-policy)YesYes
Defensive driver (requires certification)NoYes
Good driverYesYes
Good studentYesYes
Low annual mileageNoYes
LoyaltyYesYes
MilitaryNoYes
Multiple vehicleYesYes
New carNoYes
Paid in fullYesNo
PaperlessYesNo
Safety devicesNoYes
Student away at schoolYesYes
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While both companies have great discounts, State Farm offers more discounts than Progressive. With the low rates that State Farm also provides, it might be the perfect fit for your insurance company.

What other insurance products are offered by Progressive and State Farm?

When trying to qualify for discounts, you may decide to put all of your insurance policies with the same company. This will enable you to be eligible for a bundling or multi-policy discount. Making sure that the same company offers all the products you need will make it easy.

Whether you are looking for Progressive roadside assistance or State Farm life insurance, it should be easy to find the products that help keep life simple. Here is a look at what options each company has to offer.

Progressive Insurance Products

  • Boat
  • Condo
  • Life
  • Homeowner’s
  • Travel Trailer
  • Renter’s
  • RV
  • Motorcycle
  • Mobile Home

Progressive also offers some other interesting products. They include Progressive non-owner car insurance policies and, as noted, roadside assistance. You can also get services like Progressive windshield replacement and more.

State Farm Insurance Products

  • Boat
  • Condo
  • Life
  • Homeowner’s
  • Renter’s
  • RV
  • Motorcycle
  • Mobile Home

As you can see, State Farm offers pretty much all the same products as Progressive. When you choose this company, you can also get things like State Farm uninsured motorist coverage and more.

Does Progressive or State Farm have better customer satisfaction?

Being happy with your insurance company is important. Finding out what others have to say is a great way to learn whether or not you will be happy when choosing a new insurance company.

If you are involved in an accident or are simply searching for State Farm repair shops, you want to know help is only a phone call or click away. Both Progressive and State Farm get pretty good ratings when it comes to customer satisfaction.

However, when you start to dig into customer reviews, State Farm ranks higher than Progressive in every category associated with customer satisfaction. So, if you are looking for the best customer service team and affordable rates, State Farm may be the best decision.

With all the information, you should easily see which company will be more affordable between Progressive and State Farm.

Now that you’ve finished this  Progressive vs. State Farm car insurance review, you can gather free quotes from top-rated insurance companies in your area by entering your ZIP code here.