Compare Progressive vs. State Farm Car Insurance

What’s the difference between Progressive Car Insurance and State Farm Auto Insurance? See how our editors compare the two companies below.
Last Updated: June 19, 2018
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Progressive Car Insurance
10.0 / 10 - Excellent
#1 in Car Insurance
State Farm Auto Insurance
9.2 / 10 - Excellent
#7 in Car Insurance
vs

Key Facts

  • Progressive Insurance - #1 Rated Website
  • Trusted by Over 18,000,000 drivers
  • Competitive rates, tons of discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
  • Name your price Tool®
  • Bundle auto & property to save 5%
  • Snapshot® is a program that personalizes your rate based on how YOU drive.
  • Loan/lease payoff coverage, roadside assistance & strong financial ratings
  • Strong financial ratings
  • Good variety of discount options
  • Large number of local agents
  • Classic cars, motorcycle, and recreation vehicle insurance
  • Great coverage options
  • 24/7 claims reporting
  • Roadside assistance

OVERALL RATINGS

 ProgressiveState Farm
Coverage & Benefits10/1010/10
Pricing and Discounts10/109/10
Financial Strength10/109/10
Customer Experience10/109/10

Coverage Compared

Basic Coverage

Progressive
vs
State Farm
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Progressive
vs
State Farm
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Vet Bills
  • Rental Reimbursement
  • Towing & Labor Cost

What do their customers think?

National Association of Insurance Commissioners

 ProgressiveState Farm
NAIC Complaint Ratio 2016
1.11
2.58
NAIC Total Complaints 2016
130
9,444
*The NAIC Car Insurance complaint ratio (in this case 1.11) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAIC Car Insurance complaint ratio (in this case 2.58) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

 ProgressiveState Farm
Trust Pilot Rating
4.7 out of 10
7.5 out of 10
BBB Rating
A+
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
5
Number of BBB Negative Reviews
153
Date Collected
2017-10-10
2017-10-10

Comparing Financial Stregnth

Key Details

 ProgressiveState Farm
Underwriter
Progressive Group
State Farm Mutual Automobile Insurance Company
Premiums Written 2016
$19,634,833,711
$39,194,660,434
Marketshare 2016
9.17%
18.3%
AM Best Financial Rating
a
A++
Moody's Financial Rating
A2
A2
Standard & Poor's Financial Rating
A
AA
*The above information reflects the financial strength of the underwriter of the Progressive car insurance policies: Progressive Group.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

 ProgressiveState Farm
Per Mile Pricing Available?

Discounts

Progressive
vs
State Farm
  • Multiple Vehicle
  • Safe Driver
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Progressive
vs
State Farm
  • Full/Automatic Payment

Contact & Additional Information

 ProgressiveState Farm
Homepage URL
Company Phone
(800) 776-4737
(800) 782-8332
Headquarters Address
The Progressive Corporation 6300 Wilson Mills Rd., Mayfield Village, OH, 44143
One State Farm Plaza, Bloomington, IL, 61710
Year Founded
1937
1922

Final Verdict

Progressive Car Insurance has a higher overall rating than State Farm Auto Insurance. Progressive scores better than State Farm across: Coverage & Benefits, Pricing and Discounts, Financial Strength, and Customer Experience.


Customer Comments & Reviews

Johnette S
Champaign, Illinois
2/14/2018
Progressive Car Insurance review
We love Progressive! They have always given us prompt, courteous service. They return calls when they say they will. Our auto body shop said they really like working with Progressive. They arranged our rental car very efficiently as well as working with the auto body shop. They are also great about checking on us after the repairs. We will keep our car, truck, and motorhome with Progressive.


T
Tim D
Monument, Colorado
12/18/2017
Progressive Car Insurance review
The biggest Improvement you can make would be allowing your customers to talk to the same customer service agent each time they call.