Farmers vs. Progressive: Which Car Insurance Is Cheaper?
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 25, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Farmers’ car insurance rates, on average, are more expensive than Progressive rates
- Both companies offer many different discounts to help keep rates low
- Although both companies have good financial and customer satisfaction ratings, Progressive’s ratings are slightly higher
Our Farmers vs. Progressive car insurance guide compares car insurance rates by age, driving record, and credit score.
We also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. Progressive car insurance companies.
Which company will provide the best and cheapest car insurance for you?
To see if either company is right for you, compare rates, discounts, financial ratings, and customer satisfaction ratings. Evaluate the pros and cons of each company to pick the best coverage for you.
Keep reading to compare affordable Farmers vs. Progressive car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Is Farmers car insurance or Progressive car insurance cheaper?
Why is Farmers insurance so expensive? Why is Progressive so expensive?
You may be surprised to learn how many factors car insurance companies consider when calculating your rates.
Age, gender, ZIP code, driving history, and credit score are all common factors used by insurance companies, so it may be that one or the other is cheaper.
All of these will be used to determine how affordable Farmers vs. Progressive car insurance is for you. Since everyone will be different, rates will vary.
We’ll start with a comparison of Farmers vs. Progressive car insurance rates based on demographics. We all know that teenager car insurance rates are really high, so let’s take a closer look at how age influences car insurance rates.
|Age, Gender, and Marital Status||Farmers Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$8,666.24||$8,625.44|
|Single 17-year-old male||$9,202.06||$9,467.29|
|Single 25-year-old female||$2,672.81||$2,574.87|
|Single 25-year-old male||$2,791.21||$2,735.72|
|Married 35-year-old female||$2,316.82||$2,176.32|
|Married 35-year-old male||$2,306.44||$2,087.50|
|Married 60-year-old female||$2,117.42||$1,908.06|
|Married 60-year-old male||$2,179.61||$1,900.18|
Progressive insurance is more expensive for 17-year-old drivers, but Farmers is less expensive for everyone else.
Another important factor that car insurance companies consider when calculating your rates is your driving record.
When you have crashes, tickets, or DUIs on your record, you can pay more for your insurance than if you have a clean driving record.
|Driving Record||Farmers Average Annual Rates||Progressive Average Annual Rates
|With 1 accident||$4,518.73||$4,777.04|
|With 1 DUI||$4,718.75||$3,969.65|
|With 1 speeding violation||$4,079.01||$4,002.28|
If you have a clean driving record, a speeding ticket or a DUI, Farmers Insurance will cost you more. If you have an accident on your record, Progressive is more expensive.
You could also be shocked to learn that your credit score impacts your car insurance rates.
Insurance companies believe that if you have a higher credit score, you are less likely to file Progressive or Farmers insurance claims and are more able to pay for damages out of pocket.
|Credit History||Farmers Average Annual Rates||Progressive Average Annual Rates|
Farmers is less expensive if your credit is fair, but Progressive is less expensive if your credit is good or bad.
You may live in a state like California, where basing car insurance on credit scores is illegal. Be sure to check out our car insurance by state page before judging Farmers vs. Progressive car insurance rates based on credit score alone.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Does Farmers or Progressive have better car insurance discounts?
If you add discounts to your car insurance policy, you can save a lot of money. Most companies provide common discounts based on the number of cars you own, your occupation, and whether or not you drive safely.
This table shows you the available car insurance discounts through Farmers and Progressive. If the amount of the car insurance discount is known, it is included. Take a look and see which company offers you the most discounts.
|Car Insurance Discounts||Farmers (%)||Progressive (%)|
|Adaptive Cruise Control||N/A||x|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||x|
|Forward Collision Warning||N/A||x|
|Lane Departure Warning||N/A||x|
Both companies provide numerous discounts, some of which are only available at one company.
Farmers, for example, provides a federal employee discount, while Progressive does not. On the other hand, Progressive gives a loyalty discount, while Farmers does not.
As you compare Progressive and Farmers insurance quotes, be sure to ask for any eligible discounts. If you are a food delivery driver, be sure to ask about Farmers or Progressive commercial insurance.
How do Farmers and Progressive compare in financial strength and customer satisfaction?
Now that you know more about Farmers vs. Progressive quotes, it’s time to learn more about how these companies are rated.
A.M. Best ranks companies based on their financial stability. Farmers received an A rating, indicating that they can meet their obligations. Progressive received an A+ rating, indicating that they have a superior ability to meet their obligations.
Both companies also received an A+ rating from the Better Business Bureau, but Farmers is accredited while Progressive is not.
J.D. Power ranked Farmers and Progressive on customer satisfaction, including prices, billing, claims, and what is offered. Both Farmers and Progressive ranked about average.
Customers can use their Farmers or Progressive app to access their insurance information, pay bills, and access their ID cards when needed. All you need is your Farmers insurance login or Progressive login to access your account.
When deciding to buy Farmers vs. Progressive car insurance, keep in mind that both companies have additional coverages. For example, Farmers and Progressive both offer roadside assistance and usage-based coverage.
You can also add Progressive or Farmers accident forgiveness to your policy. In addition to your Farmers or Progressive collision coverage, this coverage can help keep your rates and out-of-pocket costs low if you cause an accident.
Deciding to buy car insurance from Farmers or Progressive can be difficult. To determine if either is right for you, look at rates, discounts, and ratings. You can also compare additional companies to see which one is the best fit.
Before you buy Farmers vs. Progressive car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
Frequently Asked Questions
- How Much Does Car Insurance Cost?
- Cheap Car Insurance: Myth or Reality?
- Will a Speeding Ticket Raise My Car Insurance Rates?
- Car Insurance Rates 2018: Why are Prices Increasing?
- How Much Does Car Insurance Cost for a 16 Year Old?
- Which Cars are Cheapest to Insure?
- Does a Teenager with a Learner’s Permit Need to be Listed on my Policy?
- View All Coverage Questions
Popular Rate Quotes
- Ford F-150 Insurance
- Toyota Corolla Insurance
- Toyota Highlander Insurance
- Honda CR-V Insurance
- Honda Civic Insurance
- Dodge Ram Insurance
- Ford Fusion Insurance
- Toyota Rav4 Insurance
- Chevrolet Silverado Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area