Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Mar 26, 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

You have a lot of choices when it comes to the best car insurance companies, and comparing them side by side will help you narrow down your options. To see which one suits your needs best, we will look at Farmers vs. Progressive car insurance companies.

To see if either 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.

Before you learn more about Farmers vs. Progressive, see how much you could save right now. Enter your ZIP code to receive free quotes from a variety of car insurance companies near you.

Is Farmers car insurance or Progressive car insurance cheaper?

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.

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 auto insurance rates.

Farmers vs. Progressive Average Annual 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 auto 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 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 has an impact on your auto insurance rates. Insurance companies believe that if you have a higher credit score, you are less likely to file a claim and are more able to pay for damages out of pocket.

Farmers vs. Progressive Average Annual Rates Based on Credit History
Credit History
Farmers Average Annual RatesProgressive Average Annual Rates
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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.

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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
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
Good CreditN/Ax
Good Studentxx
Green Vehicle5N/A
Lane Departure WarningN/Ax
Low Mileagexx
Multiple Policiesx12
Multiple Vehiclesx10
Newer Vehiclexx
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. Progressive, on the other hand, gives a loyalty discount, while Farmers does not.

As you compare Farmers vs. Progressive car insurance quotes, be sure to ask for any eligible discounts.

How do Farmers and Progressive compare in financial strength and customer satisfaction?

Companies are ranked by A.M. Best based on their financial stability. Farmers received an A rating, indicating that they are very capable of meeting 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.

Both companies offer mobile apps and websites, and customers can use them to access their insurance information, pay bills, and access their ID cards when needed.

When it comes to Progressive vs. Farmers, 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. This coverage, in addition to your Farmers or Progressive collision coverage, can help keep your rates and out-of-pocket costs low if you cause an accident.

Deciding to buy Farmers vs. Progressive car insurance can be a difficult decision. 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.

Enter your ZIP code to compare quotes from several companies near you now that you’ve learned more about Farmers vs. Progressive car insurance.