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Farmers vs. Progressive: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 25, 2021

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Key Takeaways

  • 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.

Farmers vs. Progressive Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital Status
Farmers Average Annual RatesProgressive 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
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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.

Farmers vs. Progressive Average Annual Car Insurance Rates Based on Driving Record
Driving RecordFarmers Average Annual Rates
Progressive Average Annual Rates
Clean record$3,460.60$3,393.09
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
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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.

Farmers vs. Progressive Average Annual Car Insurance Rates Based on Credit History
Credit History
Farmers Average Annual RatesProgressive Average Annual Rates
Good$3,677.12$3,628.85
Fair$3,899.41$3,956.31
Poor$4,864.14$4,737.64
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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.

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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.

Farmers vs. Progressive Car Insurance Discounts
Car Insurance DiscountsFarmers (%)Progressive (%)
Adaptive Cruise ControlN/Ax
Adaptive Headlightsxx
Anti-lock Brakesxx
Anti-Theftxx
Claim Freexx
Continuous Coveragexx
Daytime Running Lightsxx
Defensive Driverx10
Distant Studentxx
Driver's Edx10
Driving Device/AppN/A20
Early Signingxx
Electronic Stability Controlxx
Family LegacyN/Ax
Family PlanxN/A
Farm VehiclexN/A
Federal EmployeexN/A
Forward Collision WarningN/Ax
Full Paymentxx
Garaging/StoringxN/A
Good CreditN/Ax
Good Studentxx
Green Vehicle5N/A
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
LoyaltyN/Ax
MarriedN/Ax
MilitaryxN/A
Multiple Policiesx12
Multiple Vehiclesx10
Newer Vehiclexx
OccupationxN/A
Online ShopperN/A7
Paperless Documentsx$50
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverx31
Senior DriverxN/A
Stable ResidenceN/Ax
Switching Providerxx
Utility VehiclexN/A
Vehicle Recoveryxx
VIN Etchingxx
Young DriverN/Ax
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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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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