Farmers vs. Progressive: Which Is the Best? (2025)
Progressive wins out against Farmers as the better car insurance company because of its nationwide availability and cheaper average rates.
Secure. Free. Easy-to-use.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Farmers and Progressive are major car insurance companies and provide a solid selection of car insurance policy options and discounts. Progressive issues policies in all 50 states, whereas Farmers has more limited operations in 42 states. Even though Progressive charges less on average each month for auto insurance policies, Farmers offers a greater variety of discounts, which can help customers save.
To help you find the right car insurance company that meets your needs, here’s how Farmers and Progressive stack up against each other in average rates, industry reputation, discounts, coverage types, and more.
Quick Facts
Progressive’s average rates are $101 per month for liability insurance, and Farmers charges $110 per month.
Farmers has 23 different discounts compared to Progressive’s 16.
Both insurance companies earned high Insurify Quality (IQ) Scores.
Farmers vs. Progressive: The verdict
Progressive stands out across the board compared to Farmers. Not only does Progressive have cheaper average rates, but it’s available in all 50 states, while Farmers isn’t. Progressive also earned a higher Insurify Quality Score.
If finding the lowest price is your main objective, it’s still worth comparing quotes from both companies, as Farmers offers a greater variety of discounts that can help lower your car insurance costs.
Factor  | Farmers | Progressive |
|---|---|---|
| IQ Score | 8.5 | 8.7 |
| Customer satisfaction score | 3.33 | 3.5 |
| Average quote: liability only | $110 | $101 |
| Number of discounts | 23 | 16 |
| Number of states where it operates | 42 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Farmers
With almost 100 years of industry experience, Farmers offers various insurance products and received an AM Best score of A (Excellent), which indicates the company is able to pay out future claims. However, it scored below average in multiple regions in J.D. Power’s customer satisfaction study, so keep that in mind when considering it for your auto insurance needs.[?] [?]
Progressive
Available in all 50 states, Progressive was founded in 1937 and is an affordable option for drivers who need auto insurance. Progressive is a very financially secure company and earned an AM Best rating of A+ (Superior). It also scored below average in many regions in J.D. Power’s auto insurance customer satisfaction study.[?] [?]
Farmers Signal vs. Progressive Snapshot
Both Farmers and Progressive have telematics programs that can help you save on car insurance.
Signal by Farmers is a driving-monitoring app that promotes safe habits. It evaluates actions like braking and phone use, potentially saving you money on insurance renewals for safe driving. Every month that you earn a safe driving score of 80% or better, you enter a rewards drawing for a prize that can be worth up to $100.
Progressive’s Snapshot tailors car insurance rates to your driving habits through a usage-based insurance program. Participants usually receive an automatic discount and a personalized renewal rate based on their driving performance. Progressive advertises that drivers save an average of $231 per year with Snapshot.
Compare Car Insurance Online
Save up to $1,100 by comparing quotes from the top 120+ insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Farmers vs. Progressive: Which is the cheapest?
On average, Progressive offers more affordable liability auto insurance policies, at $101 per month compared to Farmers’ $110 monthly average. However, this doesn’t guarantee you’ll save the most with Progressive insurance, as many factors affect premium pricing, like your ZIP code, car type, and driving record.
Here’s how the average rates for Farmers and Progressive compare.
Progressive: Cheapest for drivers with a clean driving record
Having a clean driving record is one of the best ways to keep your car insurance rates cheap, as it signals to insurers that you’re a safe driver who’s unlikely to file claims. If you have a clean driving record, you can expect to spend less with Progressive each month than Farmers for a liability-only policy.
Driver Type | Farmers | Progressive |
|---|---|---|
| Clean driving record | $110 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for drivers with a speeding ticket
Having a speeding ticket on your record can increase your car insurance rates. But drivers with speeding tickets spend less on average with Progressive than they do with Farmers, according to Insurify data.
Driver Type | Farmers | Progressive |
|---|---|---|
| Drivers with a speeding ticket | $140 | $0 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for teen drivers
Young drivers lack experience and maturity behind the wheel compared to older age groups. Teenagers pay more for car insurance because of their minimal driving history, but Progressive has cheaper average rates for teens than Farmers.
Driver Type | Farmers | Progressive |
|---|---|---|
| 18-year-old | $231 | $0 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for drivers with bad credit
Depending on your state laws, insurance companies may look at your credit history when determining your car insurance premiums. Drivers with poor credit tend to pay more for coverage than drivers with good or excellent credit.
Drivers with poor credit pay less on average for Progressive than they do for Farmers.
Driver Type | Farmers | Progressive |
|---|---|---|
| Drivers with bad credit | $134 | $0 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for senior drivers
As drivers get older, they typically pay cheaper rates, as long as they keep a clean driving record. Senior drivers usually pay cheap rates but may have slight premium increases when they hit their 70s due to age-related declines in driving ability.[?]
Despite these slight increases, Progressive has cheaper average rates for senior drivers than Farmers does.
Driver Type | Farmers | Progressive |
|---|---|---|
| Senior drivers | $80 | $0 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Farmers vs. Progressive
Like most car insurance companies, Farmers and Progressive offer standard liability, collision, medical payments, personal injury protection (PIP), uninsured/underinsured motorist, and comprehensive coverages.
However, their other coverage options vary significantly. For example, Progressive offers pet injury coverage, which can pay for injuries your pet sustains in a car accident, but Farmers doesn’t offer this coverage.
On the other hand, Farmers’ loss-of-use coverage pays for alternative transportation — like buses, rideshare services, and more — if your car needs repairs during a covered claim. Progressive doesn’t have loss-of-use coverage, only rental car reimbursement coverage, which pays for a rental car during car repairs.
Here’s how Farmers’ and Progressive’s coverage options compare.
Coverage | Farmers | Progressive |
|---|---|---|
| Towing and roadside service | Yes | Yes |
| Rental car reimbursement | Yes | Yes |
| Rideshare | Yes | Yes |
| Pet injury coverage | No | Yes |
| Loss of use | Yes | No |
| Guaranteed value | Yes | No |
| Customized equipment | Yes | Yes |
Get Cheap Auto Insurance
Rates start at $40 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Compare discounts: Farmers vs. Progressive
Farmers offers more auto insurance discounts than Progressive, but both car insurance companies have a solid selection of discounts that you may qualify for. Even though Farmers’ average rates are more expensive than Progressive’s, you may be able to save on car insurance with Farmers if you qualify for enough discounts.
Discount | Farmers | Progressive |
|---|---|---|
| Clean driving record | No | No |
| Defensive driving course | Yes | No |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | No |
| New car | No | No |
| Military/affiliation | Yes | No |
| Good student | Yes | Yes |
| Loyalty | No | No |
| Auto pay | No | No |
| Student away at school | Yes | Yes |
| Homeowner | Yes | Yes |
| Alternative fuel | Yes (CA only) | No |
Farmers vs. Progressive FAQs
If you’re still deciding whether Farmers or Progressive car insurance is the best option to meet your needs, here’s more insight into these insurers.
Is Progressive the same as Farmers?
No. Progressive and Farmers are different insurance companies, but they offer similar insurance products, like auto, home, and life insurance. When comparing the two, look at customer service reputation, insurance coverage options, and their claims process to see which company is best for you.
Does Farmers insurance have a good reputation?
Farmers has a solid reputation in the insurance industry and received a score of A (Excellent) from AM Best, which implies the company is able to pay out future claims.
Which companies are Farmers’ competitors?
Farmers Insurance competes with other major insurance companies in the United States, such as State Farm, Allstate, GEICO, and Progressive. These companies offer similar insurance products, including auto and homeowners insurance.
)
)
)
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
)
)