Compare State Farm vs. Progressive Insurance

State Farm and Progressive are two top-notch auto insurance companies in the nation. They both offer a broad selection of auto discounts, and Progressive offers additional discounts with its loyalty rewards program.

State Farm was ranked the #4 auto insurer in the nation in 2015. And Progressive ranked #9. Both companies have high financial strength and J.D. Power ratings. But State Farm comes out on top because of its A++ rating from A.M. Best. Progressive’s Better Business Bureau rating is only a B- because of its apparent failure to respond to customer complaints.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  State Farm Progressive
Best If State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Worst If State Farm
  • You want mechanical breakdown coverage
  • You don’t want a lot of solicitations

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Comparing quotes is the best way to get the lowest rates from top insurers like State Farm and Progressive. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

State Farm Progressive
State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for your budget. Finding which policy best fits your budget is done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your preferred price. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: When you have a policy, you can buy it and get the savings and the protection you need.

Snapshot with Progressive

Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for people to save money. All you have to do is drive smart. To find out more about Snapshot or buy one, click here.

Standard Car Insurance Discounts

Bundling Coverage Discounts State Farm Progressive
Home and Car
Car and Life
Vehicle Type and Safety Features State Farm Progressive
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History State Farm Progressive
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships State Farm Progressive
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances State Farm Progressive
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts State Farm Progressive
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

State Farm Car Insurance Progressive Car Insurance
2016 105 77
2015 155 153
2014 178 102
2013 135 34

U.S. Auto Insurance Shopping Study (2016)

State Farm Car Insurance Progressive Car Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Average
Pricing Average Below average
Local Agent Among the best Average
Call Center Representative -- Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

State Farm Car Insurance Progressive Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Above average Below average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

State Farm Car Insurance Progressive Car Insurance
A.M. Best A++ A+
Moody's Aa1 Aa2

Mobile Apps

State Farm Progressive
State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.


This app is powered by, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.


This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

To learn more and download any of these State Farm mobile apps, click here



The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims rep, and offers you 24/7 roadside assistance. You can download the app here.

Roadside Assistance

State Farm Progressive
State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.


Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is for drivers who have non-accident car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair shop
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events covered in a six-month period cannot exceed your policy limit.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.