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Get great auto insurance coverage at an even better price.

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 analyzed representative rates for different types of driver profiles from the 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.

Progressive and State Farm Car Insurance Rates

We calculated representative annual premiums for the largest car insurance companies in the country and found that State Farm’s average study rate of $1,260.12 was lower than the national average of $1,323.31. State Farm is the fourth-least-expensive car insurance provider.

Progressive falls in the middle of the list, with an average study rate of $1,308.37. That’s still below than the national average rate in our study, but only by about $15. Progressive is more expensive than State Farm in almost every demographic we looked at, as you’llsee when we dive into the details.

Sirijit Jongcharoenkulchai/EyeEm/Getty Images

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.

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We 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.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 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 of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Progressive vs. State Farm: Pros & Cons

Progressive

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

State Farm

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

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.

Read more in our Progressive Review »

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.

Read more in our State Farm Review »

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

The gap between these two auto insurers is narrow, though State Farm's average study rate is slightly cheaper for male driver profiles. State Farm's average car insurance representative rate for all male profiles is $1,287.72, while Progressive's average is $1,305.79. 

The difference is largely due to State Farm's significantly lower representative rate for the 25-year-old male profile, at $1,501.23, compared to Progressive's $1,602.96. For the 35- and 60-year-old male profiles, Progressive is actually cheaper, but only by less than $30 for each profile. Progressive's study rate for the 35-year-old male profile is $1,208.90. State Farm charges the same profile a representative rate of $1,237.06. For the 60-year-old male profile, Progressive is once again the cheaper option, at $1,105.52, versus State Farm, at $1,124.88.

To determine whether Progressive or State Farm offers lower rates to male drivers, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Progressive

$1,602.96

$1,208.90

$1,105.52

State Farm

$1,501.23

$1,237.06

$1,124.88

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

For female driver profiles, Progressive is more expensive than State Farm. Across all female driver profiles, Progressive's average study rate is $1,303.71, while State Farm comes in at $1,245.01. 

State Farm offers lower representative rates for both the 25-year-old female profile ($1,373.10) and 35-year-old female profile ($1,237.06). Progressive charges these profiles $1,558.35 and $1,285.99, respectively. When it comes to the 60-year-old female profile, Progressive offers the lower average study rate, at $1,066.79, which is about $60 less per year than State Farm's representative rate of $1,124.88.

We used driver profiles in the ages of 25, 35, and 60 to find out if Progressive or State Farm offers lower rates to female driver profiles. The profiles have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Progressive

$1,558.35

$1,285.99

$1,066.79

State Farm

$1,373.10

$1,237.06

$1,124.88

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

State Farm offers lower a representative rate to the driver profile with 12,000 miles of driving annually, at $1,260.12. Progressive charges this profile about $50 more, with a study rate of $1,308.37.

We created driver profiles with high annual mileage (12,000 per year) to compare car insurance rates through Progressive and State Farm. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

Progressive

$1,308.37

State Farm

$1,260.12

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

Study rates aren’t that much lower for the driver profile with only 6,000 miles on the odometer every year. Still, State Farm is the cheaper option for this profile. At Progressive, the average auto insurance representative rate for this driver profile is $1,303.99, which is only about $5 cheaper than its study rate for higher-mileage drivers. State Farm’s representative rate for this profile is $1,137.50, which is about $160 less than Progressive’s average study rate for the low-mileage driver profile. 

We analyzed the different representative rates charged by Progressive and State Farm for driver profiles with low mileage (only 6,000 per year).The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

Progressive

$1,303.99

State Farm

$1,137.50

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

Driver profiles with good credit see some of the lowest rates in our analysis, and between these two insurers, State Farm has the lower auto insurance representative rate for this profile. State Farm's average is $1,259.74, which is about $45 less than the national average of $1,305.78. Progressive’s average car insurance study rate for the driver profile with good credit is $1,295.62.

Our study checked rates through Progressive and State Farm using driver profiles with good credit. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Good credit

Progressive

$1,295.62

State Farm

$1,259.74

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

This is the one demographic profile where Progressive has cheaper car insurance study rates than State Farm. Progressive's average representative rate for the driver profile with poor credit is $2,347.35, while State Farm’s average is $2,815.36. Progressive’s study rate is about $470 cheaper than State Farm’s. Both are above the national average of $2,317.93 for the driver profile with poor credit.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Progressive and State Farm with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Company

Poor credit

Progressive

$2,347.35

State Farm

$2,815.36

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

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 study rate for the profile with a good driving history are cheaper than Progressive's. State Farm’s representative rate is $1,260.12, while Progressive’s is $1,308.37. That’s a difference of just under $50.

Our study compared rates through Progressive and State Farm to find out which insurer has better rates for driving profiles with a clean record. These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Company

Clean record

Progressive

$1,308.37

State Farm

$1,260.12

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

Speeding can lead to crashes, and crashes lead to claims. Insurance companies are not keen on claims, so the rates for drivers with a speeding ticket on their record will be higher than those for drivers without one.

At State Farm, the average car insurance study rate for the driver profile with a single speeding ticket is $1,408.71, about $150 more than its representative rate for the one with a clean record. Progressive’s average study rate is around $330 more than State Farm’s, at $1,735.51.

We also tested our driving profiles to check rates following a speeding ticket. These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 speeding violation

Progressive

$1,735.51

State Farm

$1,408.71

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

Auto insurance providers also charge higher rates for drivers with an accident on their record. State Farm is by far the cheaper option for this driver profile. Progressive's average study rate for the driver profile with an accident on the record is $2,296.26, while at State Farm it’s $1,501.96. That’s a difference of about $800.

Those who've had an accident will find stiffer penalties from Progressive than State Farm. Progressive's average study rate for this demographic profile is nearly $1,000 more than its study rate for the driver profile with a clean record. State Farm’s average goes up by about $240.

To compare the rates offered by Progressive and State Farm to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 accident

Progressive

$2,296.26

State Farm

$1,501.96

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

Car insurance companies charge higher rates for drivers with a DUI conviction whether there was a related accident or not. For a driver profile with one DUI on the record, Progressive’s average auto insurance study rate is $1,757.01, while State Farm’s is $1,692.09. These representative rates are both significantly lower than the national average of $2,362.29 for the driver profiles with a DUI.

We analyzed car insurance rates for driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Company

With 1 DUI

Progressive

$1,757.01

State Farm

$1,692.09

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about Allstate, Nationwide, 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. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates: