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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.
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|Student Away at School|
|Affinity Membership Alum|
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|About||Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.||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, flat tire change, battery jump-start, locksmith service 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||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.I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.See More Questions
|Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.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.Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.See More Questions
|Compare More||Progressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAA||Farmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Safe Auto Farmers vs. Safeco Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|