Scout's Pick: State Farm For pure price, State Farm wins in 44 of 50 states, averaging $14/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.
| Category | State Farm | Progressive | Edge |
|---|---|---|---|
| Avg liability / mo | $42 | $52 | State Farm |
| Avg full coverage / mo | $127 | $141 | State Farm |
| Rate after one at-fault accident | +24% | +34% | State Farm |
| Avg full coverage after a DUI / mo | $214 | $189 | Progressive |
| Claims satisfaction (J.D. Power) | 891 | 862 | State Farm |
| Usage-based program since | 2011 | 2008 | Progressive |
| Discount programs | 13 | 17 | Progressive |
| Local agents | 19,000+ | Independent only | State Farm |
Illustrative estimates for layout and comparison purposes; see our methodology.
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 $14/mo higher in our sample.
Snapshot averaged $132/yr off in our sample, but about 2 in 10 drivers see a rate increase instead. Scout's rule: run the 30-day test drive first, then switch if the number holds.