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.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
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.[1] [2]
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $110/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $213/mo |
3.8
A solid optionBased on 2,359 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,113)
Larry
Verified Review
Car Insurance Choices
Reviewed in Nebraska on November 2025
In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.
Marcelo
Verified Review
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
Reviewed in Texas on November 2025
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
Thomas
Verified Review
Excellent
Reviewed in Wyoming on November 2025
Quick, easy, and trustworthy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Farmers Insurance sells policies in 42 states, and its more than 30 insurance offerings include auto, home, renters, earthquake, life, business, and pet insurance. Farmers has more than 20 auto insurance discount options, providing many ways drivers can save on premiums. Drivers can qualify for discounts by bundling policies, paying in full, being accident-free for five years, installing anti-theft devices, and taking a defensive driving course, among other things. Farmers also receives fewer customer complaints than the market average with the National Association of Insurance Commissioners.
Pros
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Cons
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitors
Not available in every state
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.[2] [3]
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,467)
Don
Verified Review
Check them out
Reviewed in Florida on November 2025
Considerably cheaper than others.
Mike
Verified Review
Changes
Reviewed in Wisconsin on November 2025
I appreciate this company and the price I pay. I just wish (as a senior) it was easier to speak to a representative. I needed to alter some info but can't figure out how to do it.
Brandon
Verified Review
Insurance rates rise massively even if you are a safe driver. My rate went up 50% because my area is growing, nothing to do with my individual driving habits.
Reviewed in Alabama on November 2025
Insurance rates rise massively even if you are a safe driver. My rate went up 50% because my area is growing, nothing to do with my individual driving habits.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is the second-largest U.S. auto insurer by market share. The company offers more than 30 insurance products, including auto, home, renters, motorcycle, life, and more. Progressive customers can save through numerous discounts, including ones for bundling auto with a Progressive home or renters policy, for good students or students away at school, enrolling in automatic payments, and more. The insurer’s optional coverages are robust, from loan/lease payoff coverage to providing up to $1,000 for veterinary bills if your pet is injured while riding in your car with you.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Cons
Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews
Rates trend higher than rates from many competitors
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.
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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 | $128 |
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 | $192 |
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 | $126 |
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.[4]
Despite these slight increases, Progressive has cheaper average rates for senior drivers than Farmers does.
Driver Type | Farmers | Progressive |
|---|---|---|
| Senior drivers | $80 | $64 |
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
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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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- AM Best. "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- AM Best. "AM Best Affirms Credit Ratings of The Progressive Corporation and Subsidiaries."
- III. "Senior driving safety and insurance tips."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.