Progressive vs. State Farm: Best Car Insurance for 2021
When comparing Progressive vs. State Farm, you will see both companies are affordable. However, State Farm car insurance rates tend to be a little cheaper than Progressive car insurance rates. Adding discounts can help reduce your Progressive or State Farm car insurance monthly rates. For example, Progressive's bundling discount can save up to 5%.
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UPDATED: Aug 3, 2021
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- 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.
|Age||Average Progressive Monthly Premium||Average State Farm Monthly Premium|
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.
|Credit Score Range||Average Progressive Monthly Rates||Average State Farm Monthly Rates|
|300-579 (Very Poor)||$300.17||$293.50|
|740-799 (Very Good)||$121.08||$120.92|
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.
|Defensive driver (requires certification)||No||Yes|
|Low annual mileage||No||Yes|
|Paid in full||Yes||No|
|Student away at school||Yes||Yes|
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
- Travel Trailer
- 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
- 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.