Farmers vs. Progressive Auto Insurance (2021)
Choosing between Farmers vs. Progressive auto insurance can be difficult, so shop around and compare car insurance rates by age, driving record, and credit score to find the best policy for you. Overall, Progressive has cheaper rates and higher financial ratings, but customers favor the Farmers mobile app over the Progressive app.
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UPDATED: Jun 8, 2021
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- Farmers auto 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
Both Farmers and Progressive are on the list of the top 10 best auto insurance companies, but which company is the best for you?
We’ll compare Farmers vs. Progressive auto insurance rates based on age, driving record, and credit history to see which one better suits your needs.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. Progressive auto insurance companies.
Looking for affordable Farmers vs. Progressive auto insurance quotes? Enter your ZIP code to start comparing quotes from multiple companies in your area.
Is Farmers auto insurance or Progressive auto insurance cheaper?
Why is Farmers insurance so expensive? Why is Progressive so expensive?
You may be surprised to learn how many factors auto insurance companies consider when calculating your rates. Common factors include 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 is different, rates will vary.
We’ll start with a comparison of Farmers vs. Progressive auto insurance rates based on demographics. We all know that teenager auto insurance rates are really high, so let’s take a look at how age influences auto 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 and 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’ll 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 might be surprised 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 likely 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.
Keep in mind that if you are a food delivery driver, you will need Farmers or Progressive commercial auto insurance.
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Do Farmers or Progressive have better auto insurance discounts?
If you add discounts to your auto insurance policy, you can save a lot of money. Most companies provide discounts based on things like the number of cars you own, your occupation, and how safely you drive.
This table shows you the available auto insurance discounts through Farmers and Progressive. If the amount of the auto 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. Progressive, on the other hand, offers a loyalty discount, while Farmers does not.
As you compare Progressive and Farmers insurance quotes, be sure to ask for any discounts you’re eligible for. You may also have the option to save more by bundling with your life insurance policy or home insurance policy.
How do Farmers and Progressive compare in financial strength and customer satisfaction?
Now that you know more about Farmers and Progressive quotes, it’s time to learn more about how these companies are rated.
Companies are ranked by A.M. Best based on their financial stability. Farmers received an A rating, indicating that it is very capable of meeting financial obligations. Progressive received an A+ rating, indicating that it has a superior ability to meet its 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.
Each company has an easy-to-use website and mobile app where customers can access their accounts, make payments, and even file Farmers insurance claims or Progressive claims easily. Customers can use their Farmers insurance login or Progressive login on the companies’ websites and apps.
Customer satisfaction with Farmers vs. Progressive mobile apps varies. On iTunes, the Farmers insurance app is rated a perfect 5/5 while Progressive is 3.5/5. But on the Google Play Store, the Progressive app has a higher rating of 4.1 out of five versus Farmers’ 3.9.
Farmers vs. Progressive Auto Insurance: The Bottom Line
When choosing between Farmers vs. Progressive auto 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. 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 between auto 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.
Now that you’ve compared Farmers vs. Progressive auto insurance, enter your ZIP code to start comparing multiple auto insurance companies in your area.