Farmers vs. Progressive Car Insurance (2021)

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Feb 8, 2021

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The Highlights

  • 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.

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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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.

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.

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