Farmers vs. Progressive Car Insurance: Expert Recommended (2023)
Our Farmers vs. Progressive car insurance guide compares rates, coverages, discounts, and third-party ratings. Your Farmers and Progressive auto insurance quotes are determined by several factors, such as driving record, credit score, and age. Use Farmers and Progressive car insurance discounts to slash costs and ultimately save money. Or shop around to find the best rates.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: May 9, 2023
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- Progressive car insurance is available in 47 states and earns more money than Farmers.
- Overall, Farmers car insurance is more expensive than Progressive.
- Farmers insurance has better NAIC Complaint Index and Consumer Reports ratings.
- Use Farmers or Progressive logins to access your policy on your smartphone.
Farmers and Progressive are part of the top 10 car insurance list and provide extraordinary service, but how do these companies compare against each other?
Read our Farmers vs. Progressive car insurance review to compare car insurance, discounts, third-party ratings, and other information that could help you decide between Farmers and Progressive.
If you want to compare multiple companies in your area instead of Farmers vs. Progressive car insurance quotes, enter your ZIP code in the free comparison tool above. To learn more about Farmers vs. Progressive car insurance rates, read on.
Farmers vs. Progressive Car Insurance: Which company is the cheapest?
Farmers and Progressive are on the auto insurance roundtable, but their statistics aren’t equal. By statistics, we mean direct premiums and market share. Let’s compare the two car insurance giants and see which one is bigger.
| Summary | Farmers Car Insurance Stats | Progressive Car Insurance Stats |
|---|---|---|
| Year Founded | 1928 | 1937 |
| Headquarters | 6301 Owensmouth Avenue Woodland Hills, CA 91367 | 6300 Wilson Mills Road, W33 Cleveland, OH 44143-2182 |
| Available in how many states? | All States | 47 |
| Direct Premiums | $10.7 Billion | $32.2 Billion |
| Market Share | 4% | 12% |
Progressive’s market share is on the large side, and its direct premiums tower over Farmers. Does that make Farmers an unreliable company? Of course not.
If you want a closer look at both companies, check out our Farmers Insurance Group review and Progressive insurance review for more information.
Which is cheapest by driving record?
Your driving record has a significant impact on car insurance rates. If you want to secure cheap rates, you’ll need to maintain a clean driving record. Let’s examine the cost of Farmers and Progressive auto insurance based on driving records.
| Driving Record Summary | Farmers Monthly Car Insurance Rates | Progressive Monthly Car Insurance Rates |
|---|---|---|
| Clean Driving Record | $288 | $283 |
| With 1 Speeding Violation | $340 | $334 |
| With 1 Accident | $377 | $398 |
| With 1 DUI | $393 | $331 |
Progressive is cheaper, but Farmers isn’t far from the same price as its competitor. Only a $5 difference separates them. However, Progressive has a much less expensive rate for DUI convictions.
Which is cheapest by credit score?
Did you know your credit score can affect your auto insurance rates? Car insurance companies correlate your credit history to your level of risk.
A poor credit score can generate expensive auto insurance rates, while good credit scores produce cheaper rates. Let’s review Farmers vs. Progressive car insurance based on credit scores.
| Credit Score Summary | Farmers Monthly Car Insurance Rates | Progressive Monthly Car Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $306 | $302 |
| Fair Credit Score (580-669) | $325 | $330 |
| Poor Credit Score (300-579) | $405 | $395 |
The trend continues. Progressive is cheaper but not by a lot. However, Farmers is the more affordable company for customers with fair credit.
Which is cheapest by age?
As you’re getting a car insurance quote, you’ll see a question about your age. Why is age important to auto insurance? Age correlates to the driving experience. Therefore, car insurance providers determine policy costs based on age.
If you’re a younger driver, auto insurance rates will likely be higher than average. Older drivers pay much less. How much do Farmers and Progressive charge, and who’s cheaper?
| Age of Drivers | Farmers Monthly Car Insurance Rates | Progressive Monthly Car Insurance Rates |
|---|---|---|
| 60-Year-Old Driver | $199 | $168 |
| 35-Year-Old Driver | $213 | $186 |
| 25-Year-Old Driver | $250 | $227 |
| 17-Year-Old Driver | $736 | $763 |
When it comes to age-based car insurance rates, Progressive wins the battle – but Farmers auto insurance is cheaper for 17-year-old drivers.
But teen car insurance is still expensive. Auto insurance for teens is expensive because teens are more likely to be involved in an accident.
According to the Center for Disease Control (CDC), the second leading cause of death in teens is fatal motor vehicle accidents. That statistic alone is enough to charge non-standard rates for young drivers.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Farmers vs. Progressive Car Insurance Coverages
Sometimes the cheapest rate doesn’t provide adequate coverage. If you’re curious about what you can buy from Farmers and Progressive, check out this list of coverage options.
| Farmers Car Insurance Coverages | Progressive Car Insurance Coverages |
|---|---|
| Liability | Bodily Injury Liability |
| Collision | Property Damage Liability |
| Comprehensive | Comprehensive |
| Uninsured / Underinsured Motorist | Collision |
| Medical Payments | Underinsured |
| Personal Injury Protection (PIP) | Uninsured Motorist |
| Towing and roadside service | Medical Payments |
| Rental Car Reimbursement | Loan/Lease Payoff |
| Rideshare | Rental Car Reimbursement |
| Loss of Use | Custom Parts and Equipment Value |
| Guaranteed Value™ | Rideshare Coverage |
| Customized Equipment | Roadside Assistance |
| Personal Umbrella | Deductible Savings Bank |
| Glass Deductible Buyback | |
| Full Windshield and Glass Coverage | |
| Spare Parts Coverage | |
| Original Equipment Manufacturer (OEM) | |
| New Car Replacement Coverage | |
| Accident Forgiveness | |
| Classic/Antique Car Coverage |
Although it has a smaller market share, Farmers car insurance provides more coverage than Progressive. However, adding other coverage options will increase your monthly auto insurance rates.
Farmers and Progressive Insurance Products
Perhaps you want to add another insurance service to bundle with your auto insurance. Farmers and Progressive have the same products. Here’s a list of insurance products at both companies.
- Car Insurance
- Boat Insurance
- Condo Insurance
- Life Insurance
- Homeowners Insurance
- Travel Trailer Insurance
- Renters Insurance
- RV Insurance
- Motorcycle Insurance
- Mobile Home Insurance
If you bundle another policy type with your auto insurance policy, you can save at least 12 percent. It could be different with Farmers and Progressive, so ask questions about bundling.
Farmers vs. Progressive Car Insurance: Who has more discounts?
Discounts can slow down car insurance rates. However, you’ll need to qualify for discounts. Here’s a list of potential deals you can get from Farmers and Progressive.
| Car Insurance Discount Name | Farmers Discount Values | Progressive Discount Values |
|---|---|---|
| Affinity group discount | Varies | N/A |
| Anti-lock Brake Discount | Varies | N/A |
| Anti-Theft Device Discount | Varies | 5% |
| Claims Free Renewal Discount | Varies | N/A |
| Continuous Coverage Discount | N/A | Varies |
| Daytime Running Lights Discount | Varies | N/A |
| Defensive Driver Discount | Varies | Varies |
| Discount Finder | N/A | Varies |
| Driving Habits Discount | Varies | N/A |
| Driving training discount | Varies | N/A |
| Early Quote Discount | Varies | N/A |
| E-billing Discount | Varies | Varies |
| Electronic Stability Control | Varies | N/A |
| EV/Hybrid Discount | 5% | N/A |
| Family Discount | Varies | N/A |
| Good Credit Discount | N/A | 84% |
| Good Driver Discount | Varies | 26% |
| Good Payer Discount | Varies | N/A |
| Good Student Discount | Varies | 10% |
| Home Owner Discount | Varies | Varies |
| Low Mileage Discount | N/A | Varies |
| Loyalty Discount | Varies | Varies |
| Mature driver discount | Varies | N/A |
| Military Discount | Varies | Varies |
| Multiple Policy Discount | 10% | 10% |
| Multiple Vehicle Discount | Varies | 30% |
| No lapse in coverage discount | N/A | Varies |
| On Your Own Discount | Varies | N/A |
| Organization Discount | Varies | N/A |
| Paid in full discount | Varies | Varies |
| Paperless documents discount | Varies | Varies |
| Passive Restraint Discount | Varies | 10% |
| Preferred payment discount | Varies | Varies |
| Prepay Discount | Varies | Varies |
| Professional organization discount | Varies | N/A |
| Provider Switch Discount | Varies | Varies |
| Senior Adult Discount | Varies | N/A |
| Signing documents when you buy online discount | N/A | Varies |
| Starting your auto quote online discount | N/A | Varies |
| Student Away at School Discount | Varies | 10% |
| teenSMART Discount | Varies | Varies |
| VIN Etching | Varies | N/A |
| Youth Driving Discount | Varies | Varies |
Progressive has fewer discounts than Farmers, but Progressive has more discounts with actual percentages. In other words, you don’t have to guess or ask about how much you’ll save.
Farmers vs. Progressive Car Insurance Reviews
Before you buy Farmers or Progressive car insurance, read a few reviews on each company. Some of the most reliable reviews are financial strength and credit ratings. These ratings are generated from customer feedback and financial strength agencies.
Financial Strength and Credit Ratings
Financial strength and credit ratings are compiled into a singular score and released every year. Let’s examine Farmers’ and Progressive’s ratings
| Agencies | Farmers Ratings | Progressive Ratings |
|---|---|---|
| AM Best | A | A+ |
| Better Business Bureau (BBB) | A+ | A |
| Moody's | A2 | Aa |
| S&P | A | AA |
| NAIC Complaint Index | 1.08 | 1.33 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 89 | 87 |
A.M. Best, Moody’s, and S&P ratings measure both companies’ financial strength and found that Progressive has a more stable financial outlook than Farmers – which is indicated in the direct premiums.
However, the BBB, NAIC Complaint Index, and Consumer Reports scores showcase Farmers’ excellent customer satisfaction performance.
Mobile App Ratings
Smartphones are almost essential if you want the full car insurance experience. Car insurance companies have made it much simpler to file claims, pay premiums, and even connect to usage-based insurance.
Therefore, an auto insurance company wants to establish a versatile service when using a smartphone.
To track customer satisfaction on mobile apps, the Apple App Store and the Google Play Store issue star ratings to mobile apps. Let’s examine Farmers’ and Progressive’s ratings on both platforms.
| Smart Device Stores/Systems | Farmers Mobile App Star Ratings | Progressive Mobile App Star Ratings |
|---|---|---|
| Apple App Store (iOS) | 5 stars | 3 stars |
| Google Play Store (Android) | 4 stars | 4 stars |
Although both companies have the same rating on the Google Play Store, Farmers outshines Progressive by two stars on the Apple App Store.
If you want to use Farmers’ or Progressive’s mobile apps, you’ll need to create a Farmers or Progressive insurance login using your smartphone, tablet, or desktop computer.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Farmers vs. Progressive Car Insurance: The Bottom Line
Farmers and Progressive are two of the best insurance companies in the United States, but they are on the pricey side. However, you can lower your monthly premiums through discounts.
- Progressive car insurance is available in 47 states and earns more money than Farmers.
- Overall, Farmers car insurance is more expensive than Progressive.
- Farmers insurance has better NAIC Complaint Index and Consumer Reports ratings.
- Use Farmers or Progressive logins to access your policy on your smartphone.
Farmers and Progressive are part of the top 10 car insurance list and provide extraordinary service, but how do these companies compare against each other?
Read our Farmers vs. Progressive car insurance review to compare car insurance, discounts, third-party ratings, and other information that could help you decide between Farmers and Progressive.
If you want to compare multiple companies in your area instead of Farmers vs. Progressive car insurance quotes, enter your ZIP code in the free comparison tool above. To learn more about Farmers vs. Progressive car insurance rates, read on.
Farmers vs. Progressive Car Insurance: Which company is the cheapest?
Farmers and Progressive are on the auto insurance roundtable, but their statistics aren’t equal. By statistics, we mean direct premiums and market share. Let’s compare the two car insurance giants and see which one is bigger.
| Summary | Farmers Car Insurance Stats | Progressive Car Insurance Stats |
|---|---|---|
| Year Founded | 1928 | 1937 |
| Headquarters | 6301 Owensmouth Avenue Woodland Hills, CA 91367 | 6300 Wilson Mills Road, W33 Cleveland, OH 44143-2182 |
| Available in how many states? | All States | 47 |
| Direct Premiums | $10.7 Billion | $32.2 Billion |
| Market Share | 4% | 12% |
Progressive’s market share is on the large side, and its direct premiums tower over Farmers. Does that make Farmers an unreliable company? Of course not.
If you want a closer look at both companies, check out our Farmers Insurance Group review and Progressive insurance review for more information.
Which is cheapest by driving record?
Your driving record has a significant impact on car insurance rates. If you want to secure cheap rates, you’ll need to maintain a clean driving record. Let’s examine the cost of Farmers and Progressive auto insurance based on driving records.
| Driving Record Summary | Farmers Monthly Car Insurance Rates | Progressive Monthly Car Insurance Rates |
|---|---|---|
| Clean Driving Record | $288 | $283 |
| With 1 Speeding Violation | $340 | $334 |
| With 1 Accident | $377 | $398 |
| With 1 DUI | $393 | $331 |
Progressive is cheaper, but Farmers isn’t far from the same price as its competitor. Only a $5 difference separates them. However, Progressive has a much less expensive rate for DUI convictions.
Which is cheapest by credit score?
Did you know your credit score can affect your auto insurance rates? Car insurance companies correlate your credit history to your level of risk.
A poor credit score can generate expensive auto insurance rates, while good credit scores produce cheaper rates. Let’s review Farmers vs. Progressive car insurance based on credit scores.
| Credit Score Summary | Farmers Monthly Car Insurance Rates | Progressive Monthly Car Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $306 | $302 |
| Fair Credit Score (580-669) | $325 | $330 |
| Poor Credit Score (300-579) | $405 | $395 |
The trend continues. Progressive is cheaper but not by a lot. However, Farmers is the more affordable company for customers with fair credit.
Which is cheapest by age?
As you’re getting a car insurance quote, you’ll see a question about your age. Why is age important to auto insurance? Age correlates to the driving experience. Therefore, car insurance providers determine policy costs based on age.
If you’re a younger driver, auto insurance rates will likely be higher than average. Older drivers pay much less. How much do Farmers and Progressive charge, and who’s cheaper?
| Age of Drivers | Farmers Monthly Car Insurance Rates | Progressive Monthly Car Insurance Rates |
|---|---|---|
| 60-Year-Old Driver | $199 | $168 |
| 35-Year-Old Driver | $213 | $186 |
| 25-Year-Old Driver | $250 | $227 |
| 17-Year-Old Driver | $736 | $763 |
When it comes to age-based car insurance rates, Progressive wins the battle – but Farmers auto insurance is cheaper for 17-year-old drivers.
But teen car insurance is still expensive. Auto insurance for teens is expensive because teens are more likely to be involved in an accident.
According to the Center for Disease Control (CDC), the second leading cause of death in teens is fatal motor vehicle accidents. That statistic alone is enough to charge non-standard rates for young drivers.
Farmers vs. Progressive Car Insurance Coverages
Sometimes the cheapest rate doesn’t provide adequate coverage. If you’re curious about what you can buy from Farmers and Progressive, check out this list of coverage options.
| Farmers Car Insurance Coverages | Progressive Car Insurance Coverages |
|---|---|
| Liability | Bodily Injury Liability |
| Collision | Property Damage Liability |
| Comprehensive | Comprehensive |
| Uninsured / Underinsured Motorist | Collision |
| Medical Payments | Underinsured |
| Personal Injury Protection (PIP) | Uninsured Motorist |
| Towing and roadside service | Medical Payments |
| Rental Car Reimbursement | Loan/Lease Payoff |
| Rideshare | Rental Car Reimbursement |
| Loss of Use | Custom Parts and Equipment Value |
| Guaranteed Value™ | Rideshare Coverage |
| Customized Equipment | Roadside Assistance |
| Personal Umbrella | Deductible Savings Bank |
| Glass Deductible Buyback | |
| Full Windshield and Glass Coverage | |
| Spare Parts Coverage | |
| Original Equipment Manufacturer (OEM) | |
| New Car Replacement Coverage | |
| Accident Forgiveness | |
| Classic/Antique Car Coverage |
Although it has a smaller market share, Farmers car insurance provides more coverage than Progressive. However, adding other coverage options will increase your monthly auto insurance rates.
Farmers and Progressive Insurance Products
Perhaps you want to add another insurance service to bundle with your auto insurance. Farmers and Progressive have the same products. Here’s a list of insurance products at both companies.
- Car Insurance
- Boat Insurance
- Condo Insurance
- Life Insurance
- Homeowners Insurance
- Travel Trailer Insurance
- Renters Insurance
- RV Insurance
- Motorcycle Insurance
- Mobile Home Insurance
If you bundle another policy type with your auto insurance policy, you can save at least 12 percent. It could be different with Farmers and Progressive, so ask questions about bundling.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Farmers vs. Progressive Car Insurance: Who has more discounts?
Discounts can slow down car insurance rates. However, you’ll need to qualify for discounts. Here’s a list of potential deals you can get from Farmers and Progressive.
| Car Insurance Discount Name | Farmers Discount Values | Progressive Discount Values |
|---|---|---|
| Affinity group discount | Varies | N/A |
| Anti-lock Brake Discount | Varies | N/A |
| Anti-Theft Device Discount | Varies | 5% |
| Claims Free Renewal Discount | Varies | N/A |
| Continuous Coverage Discount | N/A | Varies |
| Daytime Running Lights Discount | Varies | N/A |
| Defensive Driver Discount | Varies | Varies |
| Discount Finder | N/A | Varies |
| Driving Habits Discount | Varies | N/A |
| Driving training discount | Varies | N/A |
| Early Quote Discount | Varies | N/A |
| E-billing Discount | Varies | Varies |
| Electronic Stability Control | Varies | N/A |
| EV/Hybrid Discount | 5% | N/A |
| Family Discount | Varies | N/A |
| Good Credit Discount | N/A | 84% |
| Good Driver Discount | Varies | 26% |
| Good Payer Discount | Varies | N/A |
| Good Student Discount | Varies | 10% |
| Home Owner Discount | Varies | Varies |
| Low Mileage Discount | N/A | Varies |
| Loyalty Discount | Varies | Varies |
| Mature driver discount | Varies | N/A |
| Military Discount | Varies | Varies |
| Multiple Policy Discount | 10% | 10% |
| Multiple Vehicle Discount | Varies | 30% |
| No lapse in coverage discount | N/A | Varies |
| On Your Own Discount | Varies | N/A |
| Organization Discount | Varies | N/A |
| Paid in full discount | Varies | Varies |
| Paperless documents discount | Varies | Varies |
| Passive Restraint Discount | Varies | 10% |
| Preferred payment discount | Varies | Varies |
| Prepay Discount | Varies | Varies |
| Professional organization discount | Varies | N/A |
| Provider Switch Discount | Varies | Varies |
| Senior Adult Discount | Varies | N/A |
| Signing documents when you buy online discount | N/A | Varies |
| Starting your auto quote online discount | N/A | Varies |
| Student Away at School Discount | Varies | 10% |
| teenSMART Discount | Varies | Varies |
| VIN Etching | Varies | N/A |
| Youth Driving Discount | Varies | Varies |
Progressive has fewer discounts than Farmers, but Progressive has more discounts with actual percentages. In other words, you don’t have to guess or ask about how much you’ll save.
Farmers vs. Progressive Car Insurance Reviews
Before you buy Farmers or Progressive car insurance, read a few reviews on each company. Some of the most reliable reviews are financial strength and credit ratings. These ratings are generated from customer feedback and financial strength agencies.
Financial Strength and Credit Ratings
Financial strength and credit ratings are compiled into a singular score and released every year. Let’s examine Farmers’ and Progressive’s ratings
| Agencies | Farmers Ratings | Progressive Ratings |
|---|---|---|
| AM Best | A | A+ |
| Better Business Bureau (BBB) | A+ | A |
| Moody's | A2 | Aa |
| S&P | A | AA |
| NAIC Complaint Index | 1.08 | 1.33 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 89 | 87 |
A.M. Best, Moody’s, and S&P ratings measure both companies’ financial strength and found that Progressive has a more stable financial outlook than Farmers – which is indicated in the direct premiums.
However, the BBB, NAIC Complaint Index, and Consumer Reports scores showcase Farmers’ excellent customer satisfaction performance.
Mobile App Ratings
Smartphones are almost essential if you want the full car insurance experience. Car insurance companies have made it much simpler to file claims, pay premiums, and even connect to usage-based insurance.
Therefore, an auto insurance company wants to establish a versatile service when using a smartphone.
To track customer satisfaction on mobile apps, the Apple App Store and the Google Play Store issue star ratings to mobile apps. Let’s examine Farmers’ and Progressive’s ratings on both platforms.
| Smart Device Stores/Systems | Farmers Mobile App Star Ratings | Progressive Mobile App Star Ratings |
|---|---|---|
| Apple App Store (iOS) | 5 stars | 3 stars |
| Google Play Store (Android) | 4 stars | 4 stars |
Although both companies have the same rating on the Google Play Store, Farmers outshines Progressive by two stars on the Apple App Store.
If you want to use Farmers’ or Progressive’s mobile apps, you’ll need to create a Farmers or Progressive insurance login using your smartphone, tablet, or desktop computer.
Farmers vs. Progressive Car Insurance: The Bottom Line
Farmers and Progressive are two of the best insurance companies in the United States, but they are on the pricey side for auto insurance premiums. However, you can lower your monthly premiums through discounts.
If you still want to search for companies outside of the Farmers vs. Progressive car insurance review, enter your ZIP code in the free online quote tool to compare companies in your local area.
Frequently Asked Questions
What are the benefits of Farmers car insurance?
Farmers car insurance offers a variety of benefits, including roadside assistance, rental car coverage, and new car replacement coverage, which can provide added peace of mind and protection in the event of an accident or breakdown.
What are the benefits of Progressive car insurance?
Progressive car insurance offers a wide range of benefits, including the ability to customize your coverage options, discounts for safe driving and bundling policies, and innovative tools like the Snapshot program, which can help you save money on your premiums.
Does Farmers car insurance offer 24/7 claims service?
Yes, Farmers car insurance offers 24/7 claims service, allowing you to report a claim at any time of day or night.
Does Progressive car insurance offer 24/7 claims service?
Yes, Progressive car insurance offers 24/7 claims service, allowing you to report a claim at any time of day or night.
Does Farmers car insurance offer rideshare coverage?
Yes, Farmers car insurance offers rideshare coverage, which provides additional protection for drivers who use their personal vehicles for ridesharing services like Uber or Lyft.
Does Progressive car insurance offer rideshare coverage?
Yes, Progressive car insurance offers rideshare coverage, which provides additional protection for drivers who use their personal vehicles for ridesharing services like Uber or Lyft.
Does Farmers car insurance offer gap insurance?
Yes, Farmers car insurance offers gap insurance, which can help cover the difference between the actual cash value of your car and what you owe on your loan in the event of a total loss.
Does Progressive car insurance offer gap insurance?
Yes, Progressive car insurance offers gap insurance, which can help cover the difference between the actual cash value of your car and what you owe on your loan in the event of a total loss.