Get Cheap Car Insurance Quotes from Top Companies

The best way to get the lowest rates is to compare quotes from top insurers similar to Progressive.

 

Car insurance is one of those things you don’t really want but really need to have. Sure, it’s important to have coverage in case you’re in an accident, but for a lot of drivers, you pay monthly premiums and wonder if there’s a better deal out there.

It turns out that there very well might be. Getting a good deal on car insurance means shopping around. Comparing rates for auto insurance lets you see that car insurance companies can charge similar drivers very dissimilar rates. Then there’s customer service: If you have an accident, are you sure your car insurance company will have your back?

That’s where we come in. We’ve collected rates for different types of drivers from the 10 largest auto insurance companies in the country and asked real customers what they thought of their car insurance company. Armed with this information, you can make an informed choice about the right car insurance company for your needs. Let’s compare Progressive and State Farm, two of the largest car insurance companies, and two that are probably on your car insurance shopping list.

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State Farm

  • Good choice for most drivers
  • Rates are lower than average
  • Good ratings from customers

Progressive

  • Rates are about average
  • Customers don’t think it’s a great value

Progressive and State Farm Car Insurance Rates

We looked at the average rates of the top 10 car insurance companies in the country and found that State Farm’s average rate of $3,260 was lower than the national average of $3,953. State Farm is also the third-least-expensive car insurance provider.

Progressive falls in the middle of the list, with an average rate of $4,035. That’s $82 higher than the national average rate. Progressive is more expensive than State Farm in almost every demographic we looked at, as we’ll see when we dive into the details.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

We also surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Progressive Auto Insurance Information

Progressive, with help from Flo in its long-running television ads, is known for providing its competitors auto insurance rates alongside its own rates. The strategy seems to be working. Progressive took over the No. 3 spot for market share from Allstate in 2017. Progressive now has 9.88 percent of the auto insurance market.

As with most of the car insurance companies in our survey, Progressive received its highest scores for the ease of filing a claim, with ratings for customer service coming in a close second for respondents. Its lowest score was in the overall value respondents felt they were getting from Progressive, though about two-thirds were likely to renew their auto insurance policy.

State Farm Auto Insurance Information

Like a good neighbor, State Farm is there as the largest auto insurer in the nation. With 18.13 percent of the market, State Farm has a comfortable lead over the competition.

Respondents in our survey gave State Farm high marks for the ease of filing a claim and customer service. As with Progressive and other auto insurers, people were least satisfied with the value they felt they were getting from State Farm insurance. Still, more than 60 percent were likely to renew their policy, and 75 percent said they would recommend State Farm auto insurance to others.

Progressive and State Farm Car Insurance: Which Is Cheapest for Teens?

Company

Single 17-year-old female

Single 17-year-old male

Progressive

$8,689.95

$9,625.49

State Farm

$5,953.88

$7,324.34

State Farm’s insurance for teen drivers is less expensive than Progressive’s. Its average car insurance rate for a 17-year-old female is $5,954 and $7,324 for a 17-year-old male. That’s lower than the national average of $8,293 for 17-year-old drivers.

Progressive’s auto insurance rates for this demographic are higher than the national average. Progressive's average rate for female teen drivers is $9,625, and its average rate for male teens is $7,325. That’s $2,300 more than State Farm’s average for male teens and $2,700 more than State Farms average for female teens.

Both Progressive and State Farm offer discounts for teen drivers to help offset the extra cost of insuring them. Like many auto insurers, these companies offer a good student discount for new drivers on their parent’s policy if they maintain a B average or better at school. There are also discounts for new drivers who complete a driver safety course and for those who live more than 100 miles from where the car is garaged.

Progressive and State Farm Car Insurance: Which Is Cheapest for Men?

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Progressive

$2,758.66

$2,175.27

$2,048.63

State Farm

$2,554.56

$2,081.72

$1,873.89

Once drivers have a few years of practice behind the wheel, rates drop fast. The gap between these two auto insurers also narrows, though State Farm is still cheaper for male drivers. State Farm's average car insurance rate for a 25-year-old male is $2,555. For a 35-year-old male, it’s $2,082, and for a 60-year-old male, it’s $1,874.

Progressive’s auto insurance rates for adult male are just a little higher. The average for a 25-year-old male is $2,759. It's $2,175 for 35-year-olds and $2,049 for 60-year-olds. Those rates are only $100 to $200 more than State Farm’s rates for these age groups. Both insurance companies’ rates for 60-year-old males are lower than the national average rate of $2,275 for drivers this age.

Progressive and State Farm Car Insurance: Which Is Cheapest for Women?

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Progressive

$2,697.73

$2,296.90

$1,991.49

State Farm

$2,335.96

$2,081.72

$1,873.89

For female drivers, Progressive is again more expensive than State Farm. For 25-year-old women, Progressive’s average rate is $2,698, while State Farm’s is $2,336, a difference of about $360.

As drivers age, auto insurance rates go down and the difference in average rates between these two companies narrows. State Farm’s average rates for 35- and 60-year-old female drivers are identical to its rates for males of the same ages: $2,082 and $1,874, respectively. At Progressive, the average rate for a 35-year-old female is $2,297, and for a 60-year-old female it’s $1,991. Both companies’ rates are well under the national average for 60-year-old drivers.

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Progressive and State Farm Car Insurance: Which Is Cheapest for High Mileage?

Company

12,000 miles annually

Progressive

$4,041.01

State Farm

$3,344.01

Many Americans put about 12,000 miles on the odometer each year. Progressive’s average auto insurance rate for this group of drivers is $4,041, and State Farm’s average is $3,344. That’s a difference of about $700.

Progressive and State Farm Car Insurance: Which Is Cheapest for Low Mileage?

Company

6,000 miles annually

Progressive

$4,030.02

State Farm

$3,175.98

Rates aren’t that much lower for drivers who only put 6,000 miles on the odometer every year. At Progressive, the average auto insurance rate for these drivers is $4,030, which is only about $10 cheaper than its rate for higher-mileage drivers.

State Farm’s rate for these drivers is $3,176, which is about $850 less than Progressive’s average rate for these drivers and nearly $800 less than the national average of $3,911 for low-mileage drivers. It's only $168 less than what higher-mileage drivers pay with State Farm

Progressive and State Farm Car Insurance: Which Is Cheapest for Good Credit?

Company

Good credit

Progressive

$3,628.85

State Farm

$2,174.26

Drivers with good credit see some of the lowest rates available, and between these two insurers, State Farm has the lower auto insurance rates for these drivers. State Farm's average is $2,174, which is about $1,000 less than the national average of $3,166 for these customers.

Progressive’s average car insurance rate for drivers with good credit is $3,629. That’s nearly $1,500 more than State Farm’s rate and $460 more than the national average.

Progressive and State Farm Car Insurance: Which Is Cheapest for Bad Credit?

Company

Poor credit

Progressive

$4,737.64

State Farm

$4,951.20

This is the one demographic where Progressive customers see cheaper car insurance rates than State Farm customers. Progressive's average rate for drivers with poor credit is $4,738, while State Farm’s average is $4,951. Progressive’s rate is $213 cheaper than State Farm’s, and both are below the national average rate of $5,151 for drivers with poor credit.

Progressive and State Farm Car Insurance: Which Is Cheapest for Good Drivers?

Company

Clean record

Progressive

$3,393.09

State Farm

$2,821.18

It should come as no surprise that drivers who have a clean record have the lowest car insurance rates. It’s also probably not a surprise that State Farm's rates for good drivers are cheaper than Progressive's. State Farm’s rate is $2,821, while Progressive’s is $3,393. That’s a difference of just under $600.

Progressive and State Farm Car Insurance: Which Is Cheapest After a Speeding Ticket?

Company

With 1 speeding violation

Progressive

$4,002.28

State Farm

$3,186.01

Speeding can lead to crashes, and crashes lead to claims. Insurance companies are not keen on claims, so they raise rates for drivers with a speeding ticket on their record.

At State Farm, the average car insurance rate for these drivers is $3,186, about $365 more than its rate for drivers with a clean record. Progressive’s average rate is $816 more than State Farm’s, at $4,002, and about $600 more than Progressive’s rate for drivers with a clean record.

Progressive and State Farm Car Insurance: Which Is Cheapest After an Accident?

Company

With 1 accident

Progressive

$4,777.04

State Farm

$3,396.01

Auto insurance providers also raise rates for drivers after an accident. Progressive's average rate for those with an accident on their record is $4,777, while at State Farm it’s $3,396. That’s a difference of about $1,400.

Those who've had an accident will find stiffer penalties from Progressive than State Farm. Progressive's average rate for this demographic is nearly $1,400 more than its rate for drivers with a clean record. State Farm’s average rate goes up by about $575.

Progressive and State Farm Car Insurance: Which Is Cheapest After a DUI?

Company

With 1 DUI

Progressive

$3,969.65

State Farm

$3,636.80

Driving under the influence can lead to accidents, and car insurance companies raise rates after a DUI conviction whether there was a related accident or not. For drivers with one DUI on their record, Progressive’s average auto insurance rate is $3,970, while State Farm’s is $3,637.

These rates are both significantly lower than the national average of $4,920 for drivers with a DUI. State Farm delivers the harsher penalty, though. Its average rate for those with a DUI is about $800 more than its rate for clean drivers, while Progressive’s is about $575 more.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

Though this comparison focuses mainly on car insurance rates, we also looked at how satisfied car insurance customers were with their auto insurance company. For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about State Farm, Progressive, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.