Choosing between Progressive Insurance and State Farm is key for good car insurance. Progressive costs $1,826 a year for safe drivers. State Farm charges $2,025 on average. This is a big difference in cost.
Progressive gets a 4.4-star rating for car insurance, beating State Farm’s 3.5 stars. When picking an auto insurance, think about cost, coverage, customer happiness, and value. Each company offers something different.
Progressive vs. State Farm: Cost Comparison
Cost is key when picking auto insurance. We looked at the yearly costs of Progressive Insurance and State Farm for different drivers.
Average Annual Costs for Different Driver Profiles
Good Drivers: Progressive is cheaper, costing $1,826 a year. State Farm costs $2,025. But, drivers with a speeding ticket might save with State Farm, at $2,270 a year. Progressive costs $2,350.
Drivers who have caused an accident with injury pay less with Progressive, at $2,770 a year. State Farm costs $2,428. For drivers with a DUI, Progressive is cheaper, at $2,307 a year. State Farm costs $2,716.
Adding a teen driver makes Progressive cheaper, at $3,864 a year. State Farm costs $4,078. For senior drivers aged 65-80, Progressive is slightly cheaper, at $1,937 a year. State Farm costs $2,009.
Breakdown of Progressive and State Farm Rates
Progressive Insurance often has better rates for riskier drivers. This includes those with accidents, DUIs, or poor credit. On the other hand, State Farm has lower rates for good drivers and teens.
Choosing between Progressive and State Farm depends on your driving history and needs. Always get quotes from both to find the best deal for you.
Progressive Insurance
Progressive is a top choice for auto insurance. It offers many coverage options and discounts. You can get a quote online and pay bills automatically. It’s perfect for today’s drivers.
Progressive’s Coverage Options and Discounts
Progressive has a wide range of coverage. You can choose from basic options like liability and collision. Or add extras like personal injury protection and roadside assistance.
What makes Progressive stand out are its discounts. You can save money in many ways.
- Online Quote Discount: Get a quote online and save.
- Paperless Billing Discount: Save by using electronic statements and automatic payments.
- Continuous Insurance Discount: Keep your coverage going and pay less.
- Good Student Discount: High-achieving students get discounts.
- Homeowner Discount: Save by bundling auto and home insurance.
- Multi-Car Discount: Insure more cars and get discounts.
- Multi-Policy Discount: Save by combining policies like auto and renters.
Progressive is great for many drivers. It has lots of coverage and discounts. It’s a smart choice for your insurance.
Customer Satisfaction: Progressive vs. State Farm
State Farm and Progressive Insurance have different customer satisfaction levels. Both insurers have fewer complaints than the national average. But, deeper studies show some big differences.
The J.D. Power 2023 U.S. Auto Claims Satisfaction Study shows State Farm ranked 5th. This means customers are very happy with their claims service. On the other hand, Progressive ranked much lower in this study.
In the 2024 U.S. Insurance Shopping Study by J.D. Power, State Farm ranked 4th. Progressive ranked lower again. This shows State Farm is better at making customers happy.
Complaints against the two insurers also tell a story. Progressive has more complaints than average, according to the NAIC. State Farm, however, has fewer complaints than most.
Other studies also show State Farm is better at making customers happy. In a Best Home Insurance Companies survey, State Farm got a 4.32 out of 5. Progressive scored a 3.43. This means State Farm customers are happier overall.
Availability and Geographical Coverage
Progressive Insurance and State Farm offer great car insurance across the U.S. They cover all 50 states and Washington, D.C. This makes them a good choice for people who move or travel a lot.
Having coverage in many places is very helpful. It’s great for those who change homes or have cars in different states. You won’t have to switch insurance or worry about gaps in coverage.
- Progressive Insurance and State Farm are available in all 50 states and Washington, D.C.
- The ability to maintain coverage when moving between states is a significant benefit for customers.
- Individuals with homes or vehicles in multiple states can often consolidate their car insurance policies with either Progressive or State Farm.
Progressive Insurance and State Farm are great for drivers all over the U.S. They offer flexibility and accessibility. This is perfect for those who travel a lot or move often.
Which is Better: Progressive or State Farm?
Choosing between Progressive Insurance and State Farm depends on coverage, price, and customer happiness. Both are top names in auto insurance. Yet, one might be better for certain situations.
Scenarios Where Progressive Outshines State Farm
Progressive is great for good drivers, drivers with a DUI, and those adding a teen driver. Its digital tools and special policies for risky drivers are a big plus.
Drivers with a speeding ticket or who caused an accident might prefer State Farm for lower costs. State Farm also offers local agents and personal service, which some like more.
Drivers with poor credit might get better rates with Progressive. This company is more flexible with credit scores than State Farm.
In the end, picking between Progressive and State Farm depends on what you need. Look at both carefully to find the best fit for you.
Collision Repair Processes: A Comparison
Progressive Insurance and State Farm have their own ways to fix cars after accidents. But, people in the industry think they could do better.
The CRASH Network, which talks to car repair experts, says Progressive gets a C. State Farm gets a C-. This means both are just okay at fixing cars, not the best.
- Progressive has a list of trusted shops for fixing cars. They promise the work will last as long as you own the car.
- They use parts that make the car like new again.
- Progressive pays for repairs after you pay your deductible. If you have a loan on the car, they make sure it gets fixed too.
State Farm’s car repair process might not be as good as Progressive’s. Shops working with State Farm might have extra steps. This can make things harder for customers.
Both Progressive and State Farm need to get better at fixing cars, says the industry. Knowing how they work can help you choose the right insurance. This way, you know what to expect when your car gets fixed.
Digital Capabilities: Progressive vs. State Farm
Progressive Insurance leads in digital features compared to State Farm. It has strong online tools and a mobile app. These allow customers to manage policies, file claims, and access services online.
Mobile Apps and Online Policy Management
Progressive’s app has many features. You can see policy details, make payments, report claims, and track claims. It also has digital insurance cards and roadside assistance.
State Farm also has a mobile app. But it doesn’t match Progressive’s digital features.
Progressive’s website makes managing policies easy. You can make changes and find important info. The site is designed for a smooth user experience.
Progressive is a digital leader in the insurance world. It invests in technology. Customers who want a strong digital experience might choose Progressive over State Farm.
Additional Factors to Consider
Usage-Based Insurance Programs
Car insurance has changed with programs like Progressive’s Snapshot and State Farm’s Drive Safe & Save. They look at how you drive to set your rates. But, there are key differences to know.
Progressive’s Snapshot might lower your rates, but it could also raise them if you drive unsafely. About 20% of users see their rates go up. State Farm’s Drive Safe & Save, on the other hand, won’t raise your rates no matter how you drive.
- Progressive Snapshot: Rates can increase if your driving is scored as unsafe
- State Farm Drive Safe & Save: Rates will not increase based on your driving
Thinking about a usage-based insurance program? It’s important to think about the good and bad sides. While Snapshot might save you money, the chance of a rate increase might make Drive Safe & Save a better pick for some.
Conclusion
In the world of car insurance, Progressive Insurance and State Farm stand out. Progressive is known for its digital tools and flexible policies. It’s great for high-risk drivers. On the other hand, State Farm is all about customer service and claims satisfaction. It has a big network of local agents.
Both companies offer discounts that can lower your premiums. It’s key to compare auto insurance quotes to find what’s best for you.
Progressive is a big name in auto insurance, writing almost $39 billion in premiums in 2022. But State Farm is a strong competitor with its brand and agents. Your choice between Progressive and State Farm depends on what you need, your budget, and whether you like digital tools or personal service.
Look at cost, discounts, customer satisfaction, and digital capabilities when choosing. This will help you pick the right auto insurance for you. Whether you want to save money, have good coverage, or enjoy digital services, comparing Progressive and State Farm will guide you.