By the Five Star Insurance Reviews editorial team ยท Updated October 13, 2026
Progressive vs State Farm: which fits you better?
Neither carrier is the cheapest for everyone. This guide compares general features so you know what to ask when quotes arrive.
| Progressive | State Farm | |
|---|---|---|
| Best for | Shoppers who like online tools | Drivers who want a local agent |
| Strengths | Name Your Price tool starts from your budget Usage-based discount program in many states | Large agent network Savings for bundling home, renters or life |
| Watch out for | Rates can rise at renewal for some drivers | Agent-based buying can take longer than online-only |
Swipe sideways if the table is cut off.
Where they differ
More of a Progressive strength
- Built around buying and managing a policy online
- Budget and discount tools
- Works with higher-risk drivers
More of a State Farm strength
- Local agents available
- Rewards bundling home and auto
Sold through, availability and programs
| Progressive | State Farm | |
|---|---|---|
| Sold through | Online, by phone, and through independent agents | Local State Farm agents, plus online quoting |
| Where available | All 50 states | Check your state |
| AM Best rating | A+ | A++ |
| Usage-based program | Snapshot: your rate may go up or down depending on how you drive | Drive Safe & Save, not offered in every state |
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Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.
Who each fits best
- Progressive tends to suit shoppers who like online tools.
- State Farm tends to suit drivers who want a local agent.
How to decide
- Match the carrier to how you like to buy and manage a policy.
- Compare the same coverage limits and deductibles on every quote.
- Ask each carrier which discounts are applied.
Based on each carrier’s published features. Details vary by state, so confirm with each carrier.
Read the full reviews: Progressive and State Farm.
Related comparisons
FAQs
Is Progressive or State Farm cheaper?
It depends on you. Each carrier weighs age, location, vehicle and history differently, so compare personal quotes from both.
Who is each company best for?
Progressive tends to suit shoppers who like online tools. State Farm tends to suit drivers who want a local agent.
Can I get quotes from both?
Often yes. Request quotes through our partner and compare the offers side by side.
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