Farmers vs. Progressive: Pros & Cons (2021)

When it comes to Farmers vs. Progressive, Progressive insurance rates are usually cheaper, and it has better financial and customer satisfaction ratings than Farmers. However, Farmers insurance rates are lower for teens and drivers with an accident on their driving record. Take advantage of the numerous Farmers and Progressive discounts to bring rates down even lower.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Progressive has cheaper auto insurance rates compared to Farmers
  • Farmers and Progressive both offer numerous auto insurance discounts to lower rates
  • 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 auto 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 auto 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 auto insurance companies near you.

Is Farmers auto insurance or Progressive auto insurance cheaper?

You may be surprised to learn all of the factors that auto insurance companies use to determine your rates. Common factors used are your age, gender, ZIP code, driving history, and credit score.

All of these will be used to determine how affordable Farmers vs. Progressive auto insurance is for you. Since everyone will be different, rates will vary.

First, we will look at Farmers vs. Progressive auto insurance rates by demographics. We all know that younger drivers are charged higher rates, but let’s look at just how age affects auto insurance rates.

Farmers vs. Progressive Average Annual Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesProgressive Average Annual Rates
Single 17-year-old female$8,521.97$8,689.95
Single 17-year-old male$9,144.04$9,625.49
Single 25-year-old female$2,946.80$2,697.73
Single 25-year-old male$3,041.44$2,758.66
Married 35-year-old female$2,556.98$2,296.90
Married 35-year-old male$2,557.75$2,175.27
Married 60-year-old female$2,336.80$1,991.49
Married 60-year-old male$2,448.39$2,048.63
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Progressive insurance is higher for 17-year-old drivers, but Farmers is cheaper for all other age groups.

Your driving record is another significant factor that auto insurance companies consider when determining your rates. You would pay more on your policies when you have accidents, tickets, or DUIs than if you have a clean driving record.

Farmers vs. Progressive Average Annual Rates by Driving Record
Driving Record StatusFarmers Average Annual RatesProgressive 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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Farmers Insurance is more expensive if you have a clean driving record, a speeding ticket, or a DUI. Progressive is more expensive if you have an accident on your record.

You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Insurance companies believe that you are less likely to file a claim and are more able to pay for damages out of pocket if you have a higher credit score.

Farmers vs. Progressive Average Annual Rates by Credit History
Credit HistoryFarmers 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 you have fair credit, but Progressive is cheaper if you have good or poor credit.

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Does Farmers or Progressive have better auto insurance discounts?

You can significantly lower your auto insurance rates if you add discounts to your policy. Most companies offer common discounts based on the number of cars you have, your job, and if you are a safe driver.

This table shows you the available discounts through Farmers and Progressive. If the amount of the discount is known, it is included. Take a look and see which company offers you the most discounts.

Farmers vs. Progressive Discounts Offered
DiscountsFarmersProgressive
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 Vehicle5%N/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 offer a lot of discounts and some are only offered at one company. For example, Farmers offers a federal employee discount and Progressive doesn’t. However, Progressive offers a loyalty discount and Farmers doesn’t.

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

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

A.M. Best ranks companies based on how financially stable they are. Farmers received an A rating, meaning they have an excellent ability to meet their obligations. Progressive earned an A+ rating showing 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 their Farmers or Progressive login to access their insurance information and pay bills. You can also use your Farmers or Progressive insurance login to access your ID cards when needed.

You can only contact Farmers’ customer service during certain hours, and Progressive customer service is available 24/7, making the company easier to contact.

Farmers and Progressive also offer additional coverages, such as roadside assistance and usage-based coverage.

Deciding to buy Farmers vs. Progressive auto 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 auto insurance.

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