Farmers vs. Progressive: Best Auto Insurance for 2021

When comparing Farmers vs. Progressive, Progressive auto insurance is generally cheaper than Farmers, and Progressive has higher financial and consumer satisfaction scores than Farmers. However, Farmers insurance for teenagers and drivers who have had an accident pay less than Progressive insurance rates. Take advantage of Farmers and Progressive car insurance discounts to lower rates even more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Apr 29, 2021

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Can't-Miss Facts

  • On average, Progressive auto insurance is cheaper than Farmers insurance
  • Progressive’s financial and customer satisfaction ratings are slightly higher than Farmers
  • Both companies offer many discounts to help keep your auto insurance rates low

Although you have a lot of choices when it comes to automobile insurance, comparing them head to head will help you figure out which one is right for you. We’ll look at Farmers vs. Progressive auto insurance companies to see if either is right for you.

Weigh the pros and cons of each company as you evaluate rates, discounts, and ratings to see which is the best deal for you.

Read on for more about Farmers vs. Progressive. To see what’s available to you right now, enter your ZIP code to compare auto insurance quotes from multiple companies near you for free.

Is Farmers auto insurance or Progressive auto insurance cheaper?

Auto insurance companies use many different factors to determine your rates. Some of the most common factors used are age, gender, marital status, driving history, and credit score.

All of these factors will help determine just how affordable Farmers vs. Progressive auto insurance is for you. Keep in mind that rates will vary by driver.

First, let’s compare Farmers vs. Progressive auto insurance rates based on demographics. You might be surprised to learn how much your age, gender, and marital status affect your car insurance rates.

Farmers vs. Progressive Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesProgressive 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
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Although Progressive is the more expensive choice if you are a 17-year-old male, it’s the cheaper choice for all other drivers.

One of the most important factors used to determine your rates is your driving record. Accidents, tickets, and DUIs will cost you more money than if you have a clean driving record.

Farmers vs. Progressive Average Annual Rates Based on Driving Record
Driving RecordFarmers 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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Progressive is more expensive if you have an accident on your record, but it’s cheaper than Farmers for all other driving records.

Your credit score can also affect your auto insurance rates. Insurance companies tend to believe that you are more willing to pay for damages out of pocket and avoid a claim if you have a higher credit score.

Farmers vs. Progressive Average Annual Rates Based on 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 than Progressive if you have fair credit but is more expensive if you have good or poor credit.

Also, it’s important to note that some states, like California, no longer allow auto insurance companies to use your gender or credit score to calculate your car insurance rates.

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Farmers or Progressive: Which has better auto insurance discounts?

Car insurance discounts can save you money by lowering your rates. Common discounts offered by most companies include multi-car and good student discounts.

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

Farmers vs. Progressive Auto Insurance Discounts
Auto Insurance DiscountsFarmers (%)Progressive (%)
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 Vehicle5N/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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Although both companies provide many of the same discounts, some are available at only one company, For example, Farmers offers a military discount and Progressive doesn’t. However, Progressive offers a loyalty discount and Farmers does not.

When you compare Farmers vs. Progressive auto insurance quotes, take into account any discounts you might receive.

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

A.M. Best ranks companies based on their financial stability. Farmers received an A rating, indicating that it has an excellent ability to meet financial obligations. Progressive received an A+ rating, indicating that it has a superior ability to meet obligations.

Although Farmers is accredited and Progressive isn’t, both companies received an A+ rating from the Better Business Bureau (BBB).

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 have other similarities. They both offer easy-to-use websites and mobile apps that allow customers to access their accounts and information at any time.

You can also get quotes online and even compare Progressive vs. Farmers homeowners insurance, renters insurance, and other services. They both also offer additional coverages, such as roadside assistance.

For more information on these companies, read our Farmers auto insurance review and our Progressive insurance review.

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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