State Farm vs Progressive
Comprehensive comparison of State Farm and Progressive car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Choose Progressive if you value digital flexibility, telematics, or non-traditional coverage needs. Choose State Farm for in-person service, strong long-term value, and multi-driver households.
Pricing Analysis
Progressive may offer lower premiums to drivers with past violations or younger drivers using their telematics tools. State Farm tends to provide more...
Company Information Comparison
| Feature | Progressive | State Farm |
|---|---|---|
| Established | 1937 | 1922 |
| Underwriter | Progressive Casualty Insurance Company | State Farm Mutual Automobile Insurance Company |
| Market Position | Market Leader | Market Leader |
| Customer Service Hours | 24/7 | 24/7 |
| Claims Satisfaction | 4.2 | 4.4 |
| Financial Strength | A+ | A++ |
| Mobile App Rating | 4.4 | 4.5 |
Policy Features Comparison
| Feature | Progressive | State Farm |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 6 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 1 year | Up to 2 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£675.00
Progressive
£700.00
State Farm
Maximum Cover
$50,000
Progressive
$50,000
State Farm
Total Policies
3
Progressive
3
State Farm
Comprehensive Cover
Full Coverage
Progressive
Full Coverage
State Farm
Premium Analysis
Features Comparison
Policy Type Distribution
Progressive
Comprehensive
1
Third Party Fire & Theft
0
State Farm
Comprehensive
1
Third Party Fire & Theft
0
In-Depth Comparison Analysis
Expert Comparison Analysis: State Farm vs Progressive
Our comprehensive analysis compares State Farm and Progressiveacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Choose Progressive if you value digital flexibility, telematics, or non-traditional coverage needs. Choose State Farm for in-person service, strong long-term value, and multi-driver households.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Progressive may offer lower premiums to drivers with past violations or younger drivers using their telematics tools. State Farm tends to provide more stable pricing over time, especially for families.
State Farm
Average: £908.33
Progressive
Average: £950.00
Coverage & Benefits Comparison
Progressive excels in customizable coverage such as gap insurance, rideshare endorsements, and pet injury protection. State Farm offers more standardized but reliable coverage with helpful extras like travel expenses and rental reimbursement.
Customer Service Comparison
State Farm’s in-person agent model contrasts with Progressive’s online-first approach. Progressive customers appreciate the flexibility and speed of digital self-service.
Claims Process Analysis
Both perform well in claims, though State Farm has an edge in complex situations thanks to its dedicated agent support. Progressive’s claims portal is efficient for straightforward cases.
Key Differentiators
Progressive has stronger tech and personalization options
State Farm provides better in-person customer service
Progressive is more flexible for high-risk or unique vehicles
State Farm maintains better renewal stability and family discounts
Progressive’s Snapshot® program rewards safe drivers with usage-based discounts
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how State Farm and Progressive fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Detailed Real-World Analysis
A 22-year-old in Arizona with one speeding ticket may get a $1,700 quote from State Farm but only $1,400 with Progressive using Snapshot®. However, a 50-year-old couple insuring two cars might save more overall with State Farm through bundling.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose State Farm if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose Progressive if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 8/2/2025
Making Your Decision
When comparing Progressive and State Farm, consider how each provider's strengths align with your specific vehicle and driving needs. Progressive's average premium of £908.33compared to State Farm's £950.00 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.