Choosing an auto insurance company can be complicated: rates fluctuate based on your driving history, location, and age, and insurers offer a variety of perks. Progressive and Farmers are two of the nation's most popular insurers, providing competitively priced coverage across most of America.
In an effort to take the sting out of shopping for car insurance, we collected average rates from Farmers and Progressive. These take into account myriad rating factors, including credit rating, driving infractions, and age. Take a look at these rates and find the right policy for you.
If you have very poor credit, Farmers could be a better option for you. Typically, Farmers offers better prices than Progressive for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should consider Progressive, which typically beats Farmers by $34 per year. Check out common insurance rates by credit score for Farmers and Progressive:
|Credit score||Progressive avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$3,602||$2,633|
|Very Good (740-799)||$1,453||$1,459|
If you've got an at-fault crash, speeding ticket, reckless driving violation, or DUI in your recent history, Farmers could be a better choice than Progressive. Each insurance company has different post-violation pricing structures, so don't be afraid to shop around to understand which insurance company suits you.
|Violation||Progressive avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$2,334|
|At-fault accident (damage > $1,000)||$2,245||$1,699|
Insurance companies use age to estimate risk, assigning rates accordingly. An insurance policy is usually expensive for teen drivers — due to their inexperience — and most affordable for drivers aged 25 or older. Because each insurance company rates ages differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Farmers instead of Progressive: the former's average annual rates are $1,730 less than the latter's..
|Age bracket||Progressive avg. annual premium||Farmers avg. annual premium|
Aside from finances, Progressive and Farmers each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Below average||Below average|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||Farmers offers an additional discount for seniors.|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.See More Questions
|Should senior citizens carry collision insurance?|
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.See More Questions
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