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Progressive vs State Farm Insurance
Detailed comparison of Progressive and State Farm insurance in New Jersey. Discover which offers cheaper rates, better technology, and more savings for NJ drivers.
Progressive vs State Farm: Complete Analysis
Compare affordable auto insurance options including Snapshot and bundling discounts
| Category | Progressive | State Farm | Winner |
|---|---|---|---|
| Average Annual Premium NJ | $1,426 | $1,547 | Progressive |
| Financial Strength Rating | A+ (Superior) | A++ (Superior) | State Farm |
| Customer Satisfaction | 3.8/5 | 4.2/5 | State Farm |
| Usage-Based Discounts | Snapshot (30% max) | Drive Safe (30% max) | Tie |
| High-Risk Driver Options | Excellent | Good | Progressive |
| Local Agents in NJ | 100+ agents | 250+ agents | State Farm |
| Online Tools | Name Your Price® | Standard tools | Progressive |
| Bundle Discounts | Up to 5% | Up to 25% | State Farm |
Progressive Snapshot®
Save up to 30% based on your actual driving. Track via mobile app or plug-in device. Get personalized rates based on how, when, and how much you drive.
State Farm Drive Safe & Save™
Save up to 30% with safe driving habits. Uses mobile app or OnStar to track driving. Focuses on safe driving behaviors rather than miles driven.
Progressive vs State Farm: Pros and Cons
Progressive Insurance
Pros:
- Snapshot program can save up to 30%
- Name Your Price® tool for budget shoppers
- Excellent options for high-risk drivers
- Cheaper average rates than State Farm
- Great online comparison tools
- Specialized coverage options (rideshare, custom parts)
Cons:
- Lower customer satisfaction scores
- Smaller local agent network
- Weaker bundling discounts
- Lower financial strength rating
State Farm Insurance
Pros:
- Highest financial strength rating
- Superior customer satisfaction
- Extensive local agent network in NJ
- Excellent bundling discounts up to 25%
- Drive Safe & Save program available
- Better claims handling reputation
Cons:
- Higher average premiums
- Limited high-risk driver options
- Fewer online self-service tools
- Less competitive for single policies
Quick Decision Guide
Best for Singles
Progressive wins for single auto policies with cheaper rates and innovative tools.
Best for Families
State Farm excels with superior bundling discounts and local agent support.
Best for High-Risk
Progressive specializes in covering drivers with accidents or violations.
Compare Progressive and State Farm Today
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Progressive vs State Farm FAQs
Is Progressive or State Farm cheaper for car insurance in New Jersey?
Progressive typically offers cheaper car insurance in New Jersey with average annual premiums of $1,426 compared to State Farm at $1,547. Progressive is about $121 cheaper per year on average. However, State Farm may be cheaper if you bundle multiple policies.
Which company offers better discounts - Progressive or State Farm?
Both offer competitive discounts but in different areas. Progressive's Snapshot can save up to 30% for safe drivers, while State Farm offers superior bundling discounts up to 25%. Progressive is better for single policies, State Farm for multiple policies.
Is Progressive or State Farm better for high-risk drivers?
Progressive is generally better for high-risk drivers with accidents, tickets, or DUIs. They specialize in non-standard insurance and often provide more affordable options for drivers with imperfect records compared to State Farm.
Which has better technology - Progressive Snapshot or State Farm Drive Safe?
Both usage-based programs can save up to 30%, but Progressive's Snapshot is more established and flexible. It offers a plug-in device or mobile app option, while State Farm primarily uses mobile app tracking. Progressive also provides immediate discount estimates.
Can I compare both Progressive and State Farm through Midland?
Yes! As an independent agency, we can help you compare quotes from both Progressive and State Farm, plus other top ten car insurance companies. Call (201) 812-2184 for personalized quotes to find your cheapest option.