Renters Insurance Comparison
State Farm vs Toggle by Farmers vs Progressive
Side-by-side comparison of State Farm vs Toggle by Farmers vs Progressive renters insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
State Farm edges ahead Toggle by Farmers and Progressive in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| State Farm | Toggle by Farmers | Progressive | |
|---|---|---|---|
| Overall score | 4.42 /5 ★★★★★ Highest overall | 4.25 /5 ★★★★★ | 4.20 /5 ★★★★★ |
| National rank | #2 | #5 | #6 |
| Avg. annual rate | $132 -15% | $60 -40% | $120 -20% |
| Avg. monthly | $11 | $5 | $10 |
| Best for | State Farm is a renters insurance with the largest agent network and strong bundling discounts | Toggle by Farmers is a modern renters insurance that lets you pay only for what you need with built-in identity theft protection | Progressive is a renters insurance with easy bundling, online quotes, and HomeQuote Explorer comparison |
| Read full review | State Farm review → | Toggle by Farmers review → | Progressive review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | State Farm | Toggle by Farmers | Progressive |
|---|---|---|---|
| Customer experience | 4.85 · #2 | 4.40 · #5 | 4.25 · #6 |
| Coverage breadth | 5.00 · #1 | 4.40 · #5 | 4.25 · #6 |
| Affordability | 4.70 · #3 | 5.00 · #1 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
State Farm
Full review →Pros
- Largest agent network in the US (19,000+ local agents)
- Up to 17% savings when bundled with State Farm auto
- Personal Property Replacement Cost option available
- Strong claims experience with personalized agent support
- Best-in-class financial strength rating
Cons
- Base rates not the lowest in the renters market
- Online self-service less developed than digital-first competitors
- Coverage rules vary slightly by state
- Less innovation than insurtech rivals
Toggle by Farmers
Full review →Pros
- Skip coverages you don't need to lower your premium
- Built-in identity theft protection on most plans
- Modern app-first design and onboarding
- Backed by Farmers Insurance — solid financial backing
- Coverage starts at $5/month for basic plans
Cons
- Limited geographic availability
- Newer carrier with less long-term track record
- Fewer add-on options than legacy renters carriers
- Customer experience scores not yet well-established
Progressive
Full review →Pros
- Easy bundle with Progressive auto insurance
- HomeQuote Explorer® comparison tool
- Online quote and binding
- Strong digital tools and self-service
- Underwritten by ASI — financially strong
Cons
- Coverage limits can be lower than dedicated renters carriers
- Customer satisfaction for renters less established
- Bundling discount weaker than some competitors
- Less specialized renters expertise than top carriers
Coverage at a glance
What each carrier offers in standard policies.
State Farm
State Farm offers a comprehensive coverage menu typical of major renters insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Personal Articles Policy — High-value items like jewelry, art, and collectibles
- Identity Restoration — Costs to restore identity after fraud
- Increased Liability Limits — Higher personal liability coverage
Toggle by Farmers
Toggle by Farmers offers a comprehensive coverage menu typical of major renters insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Identity Theft Protection — Identity restoration and fraud monitoring
- Side Income Coverage — Personal property used in side gigs and home businesses
- Pet Damage Coverage — Damage caused by pets to others' property
Progressive
Progressive offers a comprehensive coverage menu typical of major renters insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Personal Property Replacement Cost — Replaces items at today's value, not depreciated
- Scheduled Personal Property — High-value items above standard limits
The bottom line
State Farm
State Farm earns an overall score of 4.42/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #2 nationally, with particular strength in affordability.
State Farm is best suited for renters who value strong customer service over the lowest price. Base rates not the lowest in the renters market is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Toggle by Farmers
Toggle by Farmers earns an overall score of 4.25/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #5 nationally, with particular strength in affordability.
Toggle by Farmers is best suited for renters who prioritize the lowest possible rate. Limited geographic availability is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Progressive
Progressive earns an overall score of 4.2/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #6 nationally, with particular strength in specific specialty areas.
Progressive is best suited for renters who want a balance of price and service from an established carrier. Coverage limits can be lower than dedicated renters carriers is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.