State Farm vs. Progressive: Home Insurance Comparison

Updated: December 4, 2025

Advertising & Editorial Disclosure

Key Takeaways
blueCheck icon

State Farm is the cheaper option overall, with an average annual premium of about $2,454 compared to Progressive’s $5,445.

blueCheck icon

Progressive offers flexible savings opportunities, including discounts for early quoting and paying in full, while State Farm provides location-based savings such as roofing and wildfire mitigation discounts.

blueCheck icon

Both insurers include core options like water backup coverage, but State Farm stands out with broader protection, including identity theft coverage and guaranteed replacement cost.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

State Farm vs. Progressive: Overall Comparison

To help you decide which insurer fits your needs, MoneyGeek compared State Farm and Progressive using our scoring system that measures affordability, customer experience and coverage quality.

  • Affordability: State Farm costs $2,454 annually on average, less than half Progressive's $5,445 rate.
  • Customer Service: State Farm earns 4.58 out of 5, showing stronger satisfaction and claims handling than Progressive.
  • Coverage: Coverage quality favors State Farm at 4.03 out of 5 compared to Progressive's 2.29.
State Farm$2,4544.664.884.584.03
Progressive$5,4453.784.143.872.29

Progressive vs. State Farm: Which Company is Cheaper Overall?

State Farm is far more affordable than Progressive, with an average home insurance premium of $2,454 per year compared to Progressive’s $5,445. Actual rates can still vary depending on your home’s location, coverage limits and credit history.

Which Company Is Cheaper Based on Dwelling Coverage Amount?

Dwelling coverage helps cover the cost to repair or rebuild your home after a covered loss, so it’s important to choose a limit that reflects your home’s full replacement value.

State Farm offers lower premiums than Progressive across most coverage levels, making it the more budget-friendly choice for many homeowners. Compare average annual home insurance rates for both companies below, based on a $1,000 deductible.

$100K Dwelling / $50K Personal Property / $100K Liability$1,301$3,461
$250K Dwelling / $125K Personal Property / $200K Liability$2,454$5,445
$500K Dwelling / $250K Personal Property / $300K Liability$3,806$8,404
$750K Dwelling / $375K Personal Property / $500K Liability$5,340$11,092
$1MM Dwelling / $500K Personal Property / $1MM Liability$7,048$13,060

How Much Does Each Company Cost by State?

Beyond coverage limits, your location plays a major role in determining what you’ll pay for homeowners insurance with State Farm or Progressive.

State Farm offers lower rates in nearly every state, including Hawaii, where it averages just $433 per year. Progressive is most affordable in states like Delaware, where its average annual premium is around $999. 

Compare average annual rates for both insurers across states below for a policy with $250,000 dwelling coverage.

Alabama$2,703No Data
Alaska$1,315No Data
Arizona$1,339No Data
Arkansas$3,066No Data
Colorado$2,349No Data
Connecticut$1,899$2,587
Delaware$999No Data
District of Columbia$1,317No Data
Florida$3,727$11,616
Georgia$2,667No Data
Hawaii$433No Data
Idaho$1,253No Data
Illinois$1,728No Data
Indiana$2,006No Data
Iowa$2,215No Data
Kansas$3,007No Data
Kentucky$2,384$3,107
Louisiana$4,503No Data
Maine$857No Data
Maryland$1,553No Data
Michigan$1,970$2,246
Minnesota$2,706No Data
Mississippi$4,358No Data
Missouri$2,955No Data
Montana$2,397No Data
Nebraska$3,865No Data
Nevada$1,188No Data
New Hampshire$1,009No Data
New Jersey$1,338$1,630
New Mexico$1,568No Data
New York$981No Data
North Carolina$1,276No Data
North Dakota$2,741No Data
Ohio$1,497No Data
Oklahoma$3,220No Data
Oregon$1,207No Data
Pennsylvania$1,423No Data
Rhode Island$1,184No Data
South Carolina$2,067No Data
South Dakota$2,895No Data
Tennessee$2,231No Data
Texas$4,457$10,571
Utah$1,127No Data
Vermont$1,022No Data
Virginia$1,553No Data
Washington$1,373No Data
West Virginia$1,468$2,838
Wisconsin$1,371No Data
Wyoming$1,554No Data

*Note: In states where State Farm or Progressive is not available, “No Data” will be shown.

Which Company Has More Discounts?

Progressive and State Farm both cut premiums through multiple discounts. Progressive leans toward flexible, easy-to-qualify options (bundling, early signing, paperless billing), while State Farm specializes in location-based rewards (roofing upgrades, wildfire mitigation).

Multi-Policy / Bundle Discount

You can lower your premium by bundling different policies, such as home and auto or home and motorcycle, under one insurer.

✅
✅
Homebuyer / New Purchase Discount
Available to homeowners who recently bought a new home or are switching from a renters policy.
✅
❌
Protective Device / Security Discount
Offers savings for safety systems like fire alarms, smoke detectors, sprinkler systems or home security cameras.
✅
✅
Quote in Advance / Early Signing Discount
Earn a discount when you get a quote or sign up for a new policy at least several days before your current one expires.
✅
❌
Paperless Discount
Save when you opt to receive your insurance documents electronically.
✅
❌
Pay in Full Discount
Get a reduced rate when you pay your full annual premium upfront.
✅
❌
New Home Construction Discount
Provides savings for newer homes that meet modern building standards.
✅
❌
Florida Wind Mitigation Discount
Available to Florida homeowners with homes built or upgraded with wind-resistant features.
✅
❌
Roofing Discount
Offers savings for using approved impact-resistant or hail-resistant roofing materials.
❌
✅
Wildfire Mitigation Discount
Available in select areas for homes that meet wildfire prevention or safety standards.
❌
✅

*Note: List of discounts is based on what’s available on the provider’s website at the time of writing. Actual availability of discounts varies by state. Speak with your agent to see what discounts you qualify for.

State Farm vs. Progressive: Which Company Has Better Customer Service?

Affordable homeowners insurance matters, but reliable service proves equally important during claims. J.D. Power customer satisfaction data backs MoneyGeek's analysis showing State Farm delivers stronger service than Progressive (4.58 out of 5 versus 3.87). State Farm's higher scores reflect better reliability and responsiveness for homeowners filing claims.

Progressive vs. State Farm: Which Company Has More Optional Coverages?

A standard homeowners insurance plan already includes dwelling, personal property and liability coverage, but optional add-ons can help fill important gaps. 

Progressive offers features such as an energy efficiency upgrade and guaranteed replacement cost. However, optional coverages vary by state and State Farm may provide more choices depending on your location.

Scheduled Personal Property
Provides higher limits and broader protection for valuable items such as jewelry, collectibles and personal property. May include replacement cost coverage or a separate personal articles policy for specific items.
❌
✅
Water Back-Up and Sump Overflow
Covers water damage caused by backed-up sewers, drains or sump pump overflow, excluding floods or surface water.
✅
✅
Identity Theft / Cyber Event
Offers reimbursement or coverage for expenses related to identity theft or cyber attacks, including restoration costs.
❌
✅
Personal Injury
Covers legal fees and damages related to lawsuits such as libel, slander, wrongful eviction or false arrest.
✅
❌
Guaranteed Replacement Cost

Covers the full cost to rebuild your home even if repair expenses go beyond your dwelling coverage limit after a covered loss.

❌
✅

*Note: List of coverages is based on what’s available on the provider’s website at the time of writing. Actual availability of coverages varies by state. Speak with your agent to see what coverage is offered in your state.

mglogo icon
COMPARE STATE FARM HOME INSURANCE WITH OTHER COMPANIES

State Farm vs. Progressive Homeowners Insurance: Bottom Line

State Farm outperforms Progressive in MoneyGeek's analysis with a 4.66 out of 5 rating compared to Progressive's 3.78. At $2,454 annually, State Farm costs less than half Progressive's $5,445 rate, making it more affordable for most homeowners.

Both insurers deliver flexible coverage with multiple savings opportunities. Progressive excels at optional personal injury protection and customizable discounts. State Farm is good at in reliability, claims handling and customer satisfaction.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

State Farm & Progressive Insurance: FAQ

Comparing State Farm and Progressive means weighing what matters most to you: reliable service, lower premiums or flexible policy options. Comparing both companies helps you see which one fits your home and budget best. Here are some of the most common questions homeowners ask when deciding between them.

Which company offers lower rates?

Who delivers better customer support?

Which company offers more home insurance discounts?

Which insurer is the stronger choice overall?

Progressive & State Farm Home Insurance Rates: Our Methodology

MoneyGeek analyzed State Farm and Progressive home insurance using a single benchmark profile to ensure a fair, data-driven comparison across cost, service and coverage features.

We based our review on this representative homeowner:

  • 40-year-old homeowner
  • 2,500-square-foot single-family home
  • $250,000 dwelling coverage
  • $125,000 personal property coverage
  • $200,000 liability coverage
  • Good credit
  • No home insurance claims in the past five years

To calculate overall scores, each company was evaluated using these weightings:

  • Affordability (55%): Compared each company’s average premiums against national benchmarks and key competitors.
  • Customer Experience (35%): Considered J.D. Power satisfaction data, claims service quality and ease of customer support.
  • Coverage (10%): Measured the range and distinctiveness of optional coverages offered by each provider.

Progressive Insurance vs. State Farm: Related Pages

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »
sources

MoneyGeek Address:1325 Howard Ave, Suite 338
Burlingame, CA 94010

MoneyGeek Phone:904-878-4335

About MoneyGeekPressPrivacy PolicyTerms of UseSitemap
Copyright © 2025 MoneyGeek.com. All Rights Reserved