Farmers vs. Progressive Car Insurance: Expert Recommended (2023)

Navigating the complex landscape of car insurance providers, our comprehensive analysis dissects the Farmers vs. Progressive Car Insurance comparison, spotlighting distinctive strengths across coverage options, rates, customer satisfaction, and discounts to empower you in making informed decisions for your insurance needs.

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Eric Stauffer

Founder & Former Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...

Founder & Former Insurance Agent

Chris Abrams

Licensed Life Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...

Licensed Life Insurance Agent

UPDATED: Nov 27, 2023

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Delving into the intricate world of car insurance, our data-driven exploration reveals a nuanced comparison between Farmers and Progressive, scrutinizing key determinants of insurance rates. From credit scores and driving records to mileage and coverage levels, we’ve distilled comprehensive data into a user-friendly guide. Uncover the company that emerges as the frontrunner for your unique profile, offering the most competitive rates tailored to your credit score, driving habits, and coverage preferences. Let our concise subheadings steer you through the intricacies, providing quick insights into the insurer that aligns best with your specific circumstances. Whether you’re a low-mileage driver, a credit-savvy individual, or someone seeking comprehensive coverage, our analysis equips you with the knowledge to make an informed choice.

FactorFarmersProgressive
Clean Record$139$105
1+ Ticket$173$140
1+ Accident$198$186
DUI$193$140
Poor Credit$239$181

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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DiscountFarmersProgressive
Anti Theft15%31%
Good Student10%20%
Low Mileage10%5%
Paperless10%15%
Safe Driver5%10%
Senior Driver15%10%

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Farmers Car Insurance

Pros:

  • Coverage Options: Farmers offers a comprehensive range of coverage options, providing more extensive coverage than Progressive.
  • Customer Satisfaction: Farmers receives positive ratings for customer satisfaction, as indicated by BBB, NAIC Complaint Index, and Consumer Reports scores.
  • Discount Variety: Farmers provides a wide array of discounts, offering potential savings for customers.
  • Mobile App Ratings: Farmers’ mobile app has a higher rating on the Apple App Store compared to Progressive.

Cons:

  • Premiums: Farmers is noted to be on the pricey side for auto insurance premiums.
  • Market Share: Farmers has a smaller market share compared to Progressive.
  • Online Tools: The review doesn’t explicitly mention specific online tools or resources provided by Farmers.

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Progressive Car Insurance

Pros:

  • Market Share: Progressive has a larger market share compared to Farmers.
  • Direct Premiums: Progressive’s direct premiums are noted to be higher, indicating a substantial presence in the market.
  • Rate Competitiveness: Progressive offers competitive rates, especially for driving records and credit scores.
  • Digital Features: Progressive excels in providing digital tools, online account management, and a user-friendly mobile app.

Cons:

  • Coverage: The review suggests that Progressive may offer slightly less coverage than Farmers.
  • Discounts: While Progressive offers discounts, it has fewer in number compared to Farmers.
  • Customer Satisfaction: Financial strength ratings indicate a stable outlook, but customer satisfaction is not highlighted.
  • Premium Costs: Progressive is mentioned as being on the pricey side for auto insurance premiums.

Best Overall: Farmers vs. Progressive Car Insurance

After a thorough examination of the Farmers vs. Progressive car insurance comparison, one company stands out as the best overall choice: Farmers Car Insurance.

Why Farmers?

Comprehensive Coverage Options: Farmers offers a more extensive range of coverage options, ensuring that policyholders have a comprehensive and tailored protection plan.

Customer Satisfaction: Farmers consistently receives positive ratings for customer satisfaction from reputable sources such as BBB, NAIC Complaint Index, and Consumer Reports. This reflects the company’s commitment to providing excellent service.

Discount Variety: Farmers excel in offering a diverse range of discounts, providing ample opportunities for customers to save on their premiums.

Mobile App Ratings: Farmers’ mobile app outshines Progressive on the Apple App Store by a significant two-star difference. This indicates a user-friendly and reliable mobile experience.

While Progressive has notable strengths, such as a larger market share and competitive rates, Farmers emerges as the better choice when considering a holistic approach that includes coverage options, customer satisfaction, and discounts.

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.

Farmers vs. Progressive Summary
SummaryFarmers Car Insurance StatsProgressive Car Insurance Stats
Year Founded19281937
Headquarters6301 Owensmouth Avenue Woodland Hills, CA 913676300 Wilson Mills Road, W33 Cleveland, OH 44143-2182
Available in how many states?All States47
Direct Premiums$10.7 Billion$32.2 Billion
Market Share4%12%

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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.

Average Monthly Farmers vs. Progressive Car Insurance Rates by Driving Records
Driving Record SummaryFarmers Monthly Car Insurance RatesProgressive 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

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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.

Average Monthly Farmers vs. Progressive Car Insurance Rates by Credit Scores
Credit Score SummaryFarmers Monthly Car Insurance RatesProgressive Monthly Car Insurance Rates
Good Credit (670-739)$306$302
Fair Credit Score (580-669)$325$330
Poor Credit Score (300-579)$405$395

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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?

Average Monthly Farmers vs. Progressive Car Insurance Rates by Age
Age of DriversFarmers Monthly Car Insurance RatesProgressive 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

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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.

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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.

Comparing Farmers vs. Progressive Car Insurance Coverages
Farmers Car Insurance CoveragesProgressive Car Insurance Coverages
LiabilityBodily Injury Liability
CollisionProperty Damage Liability
ComprehensiveComprehensive
Uninsured / Underinsured MotoristCollision
Medical PaymentsUnderinsured
Personal Injury Protection (PIP)Uninsured Motorist
Towing and roadside serviceMedical Payments
Rental Car ReimbursementLoan/Lease Payoff
RideshareRental Car Reimbursement
Loss of UseCustom Parts and Equipment Value
Guaranteed Value™Rideshare Coverage
Customized EquipmentRoadside Assistance
Personal UmbrellaDeductible 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

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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.

Comparing Farmers vs. Progressive Discounts
Car Insurance Discount NameFarmers Discount ValuesProgressive Discount Values
Affinity group discountVariesN/A
Anti-lock Brake DiscountVariesN/A
Anti-Theft Device DiscountVaries5%
Claims Free Renewal DiscountVariesN/A
Continuous Coverage DiscountN/AVaries
Daytime Running Lights DiscountVariesN/A
Defensive Driver DiscountVariesVaries
Discount FinderN/AVaries
Driving Habits DiscountVariesN/A
Driving training discountVariesN/A
Early Quote DiscountVariesN/A
E-billing DiscountVariesVaries
Electronic Stability ControlVariesN/A
EV/Hybrid Discount5%N/A
Family DiscountVariesN/A
Good Credit DiscountN/A84%
Good Driver DiscountVaries26%
Good Payer DiscountVariesN/A
Good Student DiscountVaries10%
Home Owner DiscountVariesVaries
Low Mileage DiscountN/AVaries
Loyalty DiscountVariesVaries
Mature driver discountVariesN/A
Military DiscountVariesVaries
Multiple Policy Discount10%10%
Multiple Vehicle DiscountVaries30%
No lapse in coverage discountN/AVaries
On Your Own DiscountVariesN/A
Organization DiscountVariesN/A
Paid in full discountVariesVaries
Paperless documents discountVariesVaries
Passive Restraint DiscountVaries10%
Preferred payment discountVariesVaries
Prepay DiscountVariesVaries
Professional organization discountVariesN/A
Provider Switch DiscountVariesVaries
Senior Adult DiscountVariesN/A
Signing documents when you buy online discountN/AVaries
Starting your auto quote online discountN/AVaries
Student Away at School DiscountVaries10%
teenSMART DiscountVariesVaries
VIN EtchingVariesN/A
Youth Driving DiscountVariesVaries

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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

Farmers vs. Progressive Financial Strength and Credit Ratings
AgenciesFarmers RatingsProgressive Ratings
AM BestAA+
Better Business Bureau (BBB)A+A
Moody'sA2Aa
S&PAAA
NAIC Complaint Index1.081.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8987

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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.

Farmers vs. Progressive Mobile App Ratings
Smart Device Stores/SystemsFarmers Mobile App Star RatingsProgressive Mobile App Star Ratings
Apple App Store (iOS)5 stars3 stars
Google Play Store (Android)4 stars4 stars

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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.

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Claims Process: Farmers vs. Progressive Car Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Farmers and Progressive, two prominent car insurance providers, offer multiple avenues for filing insurance claims to accommodate their customers’ preferences. Policyholders can conveniently initiate the claims process through online platforms, over the phone, or by utilizing mobile apps.

Both Farmers and Progressive offer user-friendly online claim submission portals on their respective websites.

These digital interfaces allow customers to provide the necessary information, upload relevant documents, and track the progress of their claims from the comfort of their homes. Online claims filing is particularly convenient for those who prefer a paperless and hassle-free experience.

Average Claim Processing Time

The average claim processing time is a critical factor for policyholders, as it directly impacts how quickly they receive compensation or assistance in the event of an accident or loss. Farmers and Progressive aim to provide efficient claims processing to ensure timely resolution for their customers.

The exact claim processing time may vary depending on the complexity of the claim, the availability of necessary documentation, and other factors. However, both insurers prioritize prompt claims handling to meet their customers’ needs.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance in terms of claim resolutions and payouts. It provides valuable insights into how satisfied policyholders are with the claims process and the fairness of settlements.

Analyzing customer feedback can help prospective policyholders make informed decisions when choosing between Farmers and Progressive for their car insurance needs. It’s essential to consider not only the ease of filing a claim and processing time but also the insurer’s reputation for fair and efficient claim resolutions.

Digital and Technological Features: Farmers vs. Progressive Car Insurance

Mobile App Features and Functionality

Farmers and Progressive both offer mobile apps with a range of features and functionalities to enhance the overall customer experience. These apps are designed to provide policyholders with convenient access to their insurance accounts and a variety of tools and services.

Online Account Management Capabilities

Both Farmers and Progressive provide online account management capabilities to their policyholders, allowing them to access their insurance accounts via their respective websites. These online account portals offer a range of functionalities for policyholders.

Digital Tools and Resources

Both Farmers and Progressive offer a range of digital tools and resources to assist their customers in making informed decisions about their insurance coverage.

These digital tools and resources empower policyholders to navigate the insurance process more effectively and gain a better understanding of their coverage options and policy details. Customers can access these resources through the insurers’ websites and mobile apps for added convenience.

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.

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 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.

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