Progressive vs Farmers: Which company is best for you?
Progressive and Farmers are two of the most recognizable companies in insurance and each company offers a wide selection of policy types and coverage options. Take a closer look at each of the two companies below in our in-depth comparison.
Progressive car insurance
Progressive has become one of the most popular choices for auto insurance in recent years. The company offers wide-ranging coverage options and its vast selection of discounts means that most drivers will find Progressive’s insurance rates to be reasonably affordable. It’s also one of the top companies for commercial auto insurance coverage.
Farmers car insurance
Farmers customers can expect a variety of discount options and a wide selection of highly-customizable coverages. In general, they receive fewer customer complaints than average but customer satisfaction may suffer overall. Farmers also allows customers to combine car insurance with homeowners, renters and life insurance policies, which adds convenience and may lead to savings.
Progressive vs. Farmers: car insurance rate comparison
Choosing a car insurance company is complex: rates can vary based on your driving history, age, and location, and insurers offer a variety of perks. Progressive and Farmers are counted among the most popular car insurance companies, providing competitively priced insurance policies across most of the US.
To take the sting out of shopping for car insurance, we have gathered average insurance premiums from Farmers and Progressive. The below rates cover a variety of pricing components, chief among which are credit, driving record, and age. Take a look at these rates and find the perfect policy for you.
Progressive comes out on top as cheapest overall with an average monthly rate of $104 to Farmers' $131. It's important to remember that your unique driving profile could be a better match for one company over another in some situations. Our advice is to get quotes from each company to see which better fits your budget.
Progressive vs. Farmers: pricing by credit score
If you have extremely bad credit, Farmers could be the way to go. Typically, Farmers offers cheaper rates than Progressive for drivers with credit scores of less than 580. Those with extraordinary credit — a score of 800 or better — should favor Progressive. Check out average insurance rates by credit level for Farmers and Progressive below.
CREDIT SCORE INSURANCE RATE COMPARISON: FARMERS VS. PROGRESSIVE
|Credit level||Progressive avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$3,602||$2,633|
|Very Good (740-799)||$1,453||$1,459|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Progressive vs. Farmers: rates for high-risk drivers
If you have an at-fault collision or speeding violation in your recent history, Farmers could be a better choice than Progressive. However, Farmers offers lower rates for drivers with reckless driving citation or DUI. Every auto insurance company will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer suits you.
RATES BY VIOLATION: FARMERS VS. PROGRESSIVE
|Citation||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|
Progressive vs. Farmers: rates by age bracket
Car insurance companies rely on age to estimate risk, pricing policies accordingly. A car insurance policy is usually more expensive for young drivers — due to their inexperience — and relatively affordable for older drivers. Because every insurance company prices age tiers in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Farmers over Progressive: the former's average annual rates are $1,910 less than the latter's.
COMPARING AUTO INSURANCE RATES BY AGE: FARMERS VS. PROGRESSIVE
|Age||Progressive avg. annual premium||Farmers avg. annual premium|
Aside from affordability, Progressive and Farmers each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
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Ratings comparison: Progressive vs. Farmers
Price should not be the only factor when making your decision about a new car insurance policy. The coverage and service that you get from your insurer should also play into your decision. For this reason, we've compiled ratings from a variety of trusted sources to help you better compare Progressive and Farmers. See how the two companies compare below.
|Financial strength (A.M. Best)||Superior||Excellent|
|JD Power (claims satisfaction)||Below Average||Excellent|
|JD Power (customer satisfaction)||Below Average||Below Average|
|The Zebra's editorial review score||4/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.3/5||4.3/5|
The Zebra's Customer Satisfaction Survey
To get a better sense of how customers viewed the level of service they received from their insurance companies, The Zebra conducted a survey covering a wide range of topics. Below you can see how both customers viewed their experiences with both Farmers and Progressive.
Progressive car insurance placed among the top five companies overall with a score of 4.3, signifying that customers are generally pleased with the level of service they receive from the company. The company place in the top three for online satisfaction, indicating that Progressive's website and app selection are considered quite valuable by its customers.
- Top five overall for auto insurance
- Number three for online satisfaction
- Among the top five companies for bundling home and auto
Farmers consistently ranked near the lower third of companies included in our survey. However, the company ranked 6th overall for claims satisfaction, indicating that customers are happy overall with the process. Among respondents, Farmers did best among younger drivers.
- Farmers auto insurance placed 10th overall
- Millennial and Gen X respondents rated Farmers higher overall
- Scored highest for claims satisfaction
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Progressive vs. Farmers: discount comparison
If you are looking to save money on your premiums, it's important to consider each insurer's auto insurance discount selection. Compare discount options from Progressive and Farmers below.
|Anti-lock brake system||✓|
|Student away at school||✓||✓|
|Affinity membership alum||✓|
|Pay in full||✓||✓|
|eSign or ePay||✓|
Telematics options: Progressive vs. Farmers
For drivers interested in potentially saving money through telematics programs, both Progressive and Farmers offer compelling options. Take a look at how the telematics offerings from both companies compare below.
Snapshot is Progressive's telematics option. The app tracks drivers' behavior while behind the wheel (including hard braking, speeding, and more) to give a more accurate level of risk. Good drivers stand to save an average of $145 on their premium according to the company.
Signal is the telematics option from Farmers. The company advertises a 5% discount for signing up, with the promise of up to 15% savings for qualifying drivers. The company also offers an additional 10% savings for drivers under the age of 25 who enroll.
Unique amongst telematics programs, drivers enrolled in Farmers Signal — with a driving score of at least 80% — are also eligible to win up to $100 in rewards every month. Signal is not available in every state, and further restrictions may be imposed depending on where you live.
Roadside assistance: Progressive vs. Farmers
If you find yourself on the side of the road after a breakdown, you'll definitely come to appreciate a great roadside assistance program. Have a look at the different options provided by both Progressive and Farmers below.
Progressive partners with a company called Agero to provide roadside assistance. These services can be used for your car, boat, motorcycle or RV. When added to your policy, Progressive's roadside assistance program offers the following:
- Fuel delivery
- Flat-tire changes
- Battery jump-start
- Battery recharge for EVs
- Lock-out services
- On-scene labor
- Winching services
To contact Farmers Roadside Service, call 1-800-435-7764. Farmers covers up to $150 per incident (with special limits in North Carolina, Texas and Virginia) for the following services:
- Battery jump start
- Flat-tire change
- Winching services
- Lock-out services
Progressive vs. Farmers: home insurance
Both Progressive and Farmers offer homeowners coverage that can either be paired with your auto insurance or purchased on its own. Both companies have unique homeowners insurance offerings at differing price points. Have a look at our comparison below to find out which company best suits your home insurance needs.
Progressive homeowners insurance review
Progressive offers homeowners insurance in all 50 states plus Washington D.C. While it provides basic coverage options, homeowners looking for more robust policies might find Progressive's options lacking. That, paired with lower-than-average customer satisfaction scores, may give some shoppers pause.
- The Zebra Customer Satisfaction Survey – 4.1/5: While a rating above 4 stars is sufficient, Progressive home ranked last overall among the 15 carriers surveyed.
- J.D. Power Rating – Below average: J.D. Power rates Progressive auto insurance as below-average in overall customer satisfaction.
- Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive has a solid ability to pay out claims.
- NAIC Rating– Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average regarding Progressive homeowners insurance in 2020.
Farmers homeowners review
Because of its robust policy options and reasonable rates, Farmers remains a popular option for homeowners insurance. The company earned roughly average reviews from various third-party reviewers and our consumers placed it 7th overall for homeowners insurance.
- The Zebra Customer Satisfaction Survey — 4.3/5: Farmers placed 7th overall in The Zebra's homeowners insurance customer survey.
- Claims satisfaction (J.D. Power) — Average: J.D. Power's property claims satisfaction study for 2021 gave Farmers an average score of 884 out of 1,000.
- Customer satisfaction — (J.D. Power) — Average: Farmers earned an average score in J.D. Power's study of customer satisfaction.
- Financial strength — Excellent: AM Best rates Farmers highly, meaning the company is in good financial shape.
- NAIC Rating — Above Average: Farmers received fewer complaints than did other major homeowners insurance companies.
Progressive vs. Farmers: home insurance rate comparison
Homeowners insurance rates can vary widely depending on the location, person or company. Progressive's average yearly home insurance rate is $1,355, breaking down to roughly $113 per month. Farmers comes in a bit higher at $1,455 per year or $121 per month.
Remember that while cost is an important factor when shopping for homeowners insurance, it's most important to have good coverage from an insurer that you can trust.
Progressive provides cheaper rates than on average, coming in at $1,355 per year to Farmers' $121 .
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Progressive vs. Farmers: homeowners discount comparison
For those looking to save money on their homeowners coverage, home insurance discounts can be a great option. Both Progressive and Farmers offer homeowners discounts to eligible policyholders. See how these discounts compare below.
|Recent home buyer||✓|
|Newer/more durable roof|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full||✓||✓|
|New home consturction||✓||✓|
Other insurance products and bundling options
Both Progressive and Farmers have a number of options for bundling policy types. Have a look at the extra insurance lines that each company provides to see which could possibly fulfill all of your insurance needs.
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓||✓|
Progressive is a major carrier for many types of commercial insurance, including for both automobiles and small businesses. For those who use their vehicles for commercial purposes (delivery or rideshare drivers), this could make them a better option. They also offer a number of additional coverages such as identity theft protection and insurance for small events.
Find the best insurance policy for your needs.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.