Progressive vs State Farm: Which is Better for 2025?

When it comes to choosing insurance, the decision often boils down to two popular contenders: Progressive vs State Farm. 

Both insurers provide extensive coverage options, competitive rates, and unique perks. But in 2025, which one truly offers the best deal for you? 

In this article, we’ll dive deep into their differences, comparing everything from policy options to customer satisfaction, so you can confidently pick the right fit.

Read on to discover which insurer comes out on top for 2025.

Company Overview

Progressive Insurance

Since its founding in 1937, Progressive has built a reputation for its innovative insurance solutions and flexible options. 

A leader in Progressive car insurance, the company offers unique tools like the Name Your Price® tool, which lets customers find coverage options that match their budgets. Additionally,

Progressive’s diverse offerings also include home, renters, and even pet insurance, allowing customers to bundle multiple policies for added savings.

State Farm Insurance

State Farm, established in 1922, is one of the most trusted names in the insurance world, particularly known for State Farm home insurance and its strong customer service network. 

With thousands of local agents across the U.S., State Farm is highly accessible, providing a personalized experience that makes it easy to get help or adjust policies. 

State Farm’s focus on dependable service and customizable policies has solidified its position as a go-to provider for those who value a strong, reliable insurance partner.

Types of Coverage Offered

Car Insurance

Both Progressive and State Farm provide a range of car insurance options, but there are some unique offerings that set them apart. 

State Farm car insurance is known for its reliable coverage options, from standard liability and collision insurance to more specialized options, such as State Farm classic car insurance for vintage vehicle enthusiasts. 

Progressive also offers an impressive array of car insurance policies, including the popular Progressive non-owner car insurance for individuals who don’t own a car but occasionally drive one. Each company provides discounts based on safe driving, bundling policies, and low mileage, allowing customers to find savings while getting the coverage they need.

Home Insurance

When it comes to home insurance, both companies offer extensive coverage, but with some differences in benefits and limitations. 

State Farm home insurance includes options for dwelling coverage, personal property, and liability, making it a solid choice for homeowners who want well-rounded protection. 

Progressive also offers home insurance, which can be bundled with car policies for extra savings. State Farm stands out for its additional benefits, such as a large network of local agents who can offer personalized service, while Progressive’s digital tools make managing home insurance policies easy and accessible online.

Life Insurance

State Farm and Progressive both offer a range of life insurance products, including term, whole, and universal life insurance options. State Farm’s life insurance policies are especially notable for their flexibility and the support of local agents who can guide policyholders through the process. 

Progressive partners with third-party providers to offer life insurance options, making it convenient for customers who want to bundle life insurance with other Progressive policies.

Additional Insurance Types

Both companies offer a variety of additional insurance types beyond car, home, and life. State Farm provides options such as renters, disability, and even health insurance. Progressive, known for its broad policy lineup, also offers options like pet insurance, boat insurance, and travel trailer insurance. Each company provides flexible coverage types, allowing customers to find tailored protection for various aspects of their lives.

Pricing Comparison

When it comes to pricing, Progressive vs. State Farm can vary significantly depending on factors like your credit score, driving history, and age. 

While State Farm may offer cheaper rates for drivers with poor credit or teens, Progressive could be a better option for those with more serious driving violations or higher credit scores. 

Below, we break down the key pricing differences between these two insurance giants to help you make an informed decision.

Pricing Comparison: Progressive vs. State Farm by Credit Score

When comparing Progressive vs. State Farm based on credit score, you’ll notice some differences in pricing. Drivers with extremely bad credit (scores below 580) might find State Farm to be a slightly better option, as they offer cheaper rates on average. For those with exceptional credit (800 or better), State Farm is also more affordable. Below is a breakdown of the average insurance rates for both companies based on credit score.

Credit Score Insurance Rate Comparison: Progressive vs. State Farm

Source: US News & World Report

For drivers with poor credit, State Farm offers a more affordable option on average. However, for drivers with better credit scores, the difference between Progressive vs. State Farm narrows, and both companies offer competitive rates.

Rates for High-Risk Drivers: Progressive vs. State Farm

If you’re a high-risk driver, such as someone with an at-fault accident or a DUI on their record, Progressive could be a better option for you. In particular, Progressive tends to offer lower premiums for drivers with a reckless driving history or DUI/DWI violations. 

However, State Farm may be cheaper for those with speeding violations. To make the best decision, it’s essential to compare quotes from both companies.

Rates by Violation: Progressive vs. State Farm

Source: US News & World Report

As shown in the table, Progressive offers better pricing for more serious driving violations like DUI/DWI or reckless driving, while State Farm may be more affordable for speeding tickets.

Rates by Age Bracket: Progressive vs. State Farm

Age plays a significant role in car insurance pricing, especially for teen drivers and young adults. Teens can save nearly $2,500 per year by choosing State Farm over Progressive. While rates for young drivers are high across the board, State Farm provides more affordable premiums, particularly for teenagers.

Comparing Car Insurance Rates by Age: Progressive vs. State Farm

Source: US News & World Report

For teen drivers, State Farm is the more affordable option, with a significant difference in premiums. As drivers age and gain experience, the price gap narrows, with both companies offering competitive rates for older age brackets.

Pros and Cons of Each Provider

Progressive

Pros:

• Competitive Rates for High-Risk Drivers: Progressive is often the better choice for drivers with a history of accidents, DUIs, or reckless driving.
• Wide Range of Coverage Options: From non-owner car insurance to custom parts coverage, Progressive offers flexible options to fit diverse needs.
• Discount Opportunities: Discounts for safe driving, bundling policies, and using their Snapshot device to track driving habits can lower premiums.

Cons:

• Higher Premiums for Teens: Younger drivers often face higher premiums with Progressive compared to other insurers like State Farm.
• Complex Pricing: With so many variables and discounts, understanding how Progressive calculates rates can be confusing for some customers.

State Farm

Pros:

• Affordable for Teens and New Drivers: State Farm is particularly cost-effective for younger drivers and those with less driving experience.
• Strong Customer Service: Known for excellent customer service and personalized support, making it a popular choice for customers seeking reliability.
• Discounts for Safe Driving: State Farm offers several opportunities for savings through safe driving programs and multi-policy discounts.

Cons:

• Less Flexibility in Coverage: While State Farm offers solid standard coverage options, it may not have the same level of specialized or customizable coverage as Progressive.
• Higher Premiums for High-Risk Drivers: Drivers with a poor driving record may find State Farm’s rates to be higher than Progressive's, especially when it comes to severe violations.

‍

‍

Insurance Smarts: Your Questions Answered

Is Progressive car insurance good?

Progressive car insurance is often praised for its competitive rates, especially for high-risk drivers and those seeking customizable coverage. It offers a range of benefits, including the Snapshot program, which allows drivers to earn discounts for safe driving. 

Does State Farm car insurance cover rental cars?

Yes, State Farm car insurance typically covers rental cars as part of its standard coverage options. This coverage applies if your car is in the shop for repairs after an accident, or if you're traveling and need a rental. 

How to cancel Progressive car insurance?

To cancel your Progressive car insurance, simply call their customer service or log in to your account online. If you're switching to another insurer, ensure there's no lapse in coverage before canceling. 

Conclusion

When choosing between Progressive vs. State Farm, it’s important to consider your personal needs, driving history, and budget. Progressive may be ideal for high-risk drivers or those who need more flexible coverage, while State Farm is often the best choice for younger drivers or those seeking budget-friendly, straightforward options. 

Before making your decision, take the time to compare quotes and coverage details to find the insurance provider that offers the best value for your situation. Ready to make a choice? Get quotes today and see which one works best for you!

‍

‍