State Farm vs Progressive: which is cheaper in 2026?
By the BudgetAutoRates editorial team · How we source rates Updated July 2026 Illustrative estimates, not quotes
Scout's Pick: State Farm
For pure price, State Farm wins in 44 of 50 states, averaging $15/mo less on comparable full coverage. Pick Progressive if your record has a ticket or claim on it, or if telematics is your discount plan: Snapshot has priced by driving data since 2008, 3 years before State Farm's Drive Safe & Save.
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Head to head
| Category | State Farm | Progressive | Edge |
|---|---|---|---|
| Avg liability / mo | $42 | $52 | State Farm |
| Avg full coverage / mo | $126 | $141 | State Farm |
| Rate after one at-fault accident | +23% | +28% | State Farm |
| Avg full coverage after a DUI / mo | $214 | $196 | Progressive |
| Claims satisfaction (J.D. Power) | 882 | 862 | State Farm |
| Usage-based program since | 2011 | 2008 | Progressive |
| Discount programs | 14 | 17 | Progressive |
| Local agents | 19,000+ | Independent only | State Farm |
Illustrative estimates from public benchmarks and a cost model, not quotes; see our methodology.
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Pick State Farm if · Pick Progressive if
State Farm fits you when
- Price is the whole decision and your record is clean
- You want 1 of its 19,000+ local agents on speed dial
- You're insuring a teen: good student and Steer Clear discounts stack
Progressive fits you when
- A ticket, accident, or SR-22 is shaping your quotes
- You'll let 30 days of Snapshot driving data earn the discount
- You want its quote tool to show rival prices next to its own
Common questions
Why is State Farm usually cheaper than Progressive?
Scale. State Farm insures roughly 1 in 6 US drivers, and that mountain of loss data lets it price clean records lower. Progressive quotes a wider range of driving records, so its cleanest-driver rates start about $15/mo higher in our estimates.
Is Snapshot worth switching to Progressive for?
Progressive has put the average Snapshot discount near $94 a year, and it has also said about 2 in 10 participants end up with a higher rate instead. Scout's rule: run the 30-day test drive first, then switch if the number holds.