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Compare Progressive vs. Farmers: Quotes, Discounts (2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Doug Shaffer
Written by
Doug Shaffer
Photo of an Insurify author
Written by
Doug Shaffer
Insurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated August 5, 2022

Progressive vs. Farmers: A Summary

Drivers looking for their next insurance policy should consider comparing car insurance companies like Progressive and Farmers. Both companies have Insurify Composite scores above 80, and while Progressive is cheaper than Farmers, both offer affordable coverage options.

Use the table below to see how the two companies compare against each other on rates and Insurify Composite Scores.

Insurance CompanyAvg. Monthly Car Insurance QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Progressive$7880
Farmers$10785
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Progressive

By now, most drivers have heard of Progressive insurance, thanks to its sizable national footprint. As the third-largest insurance provider, Progressive currently holds 13 percent of the market share for auto insurance.

Drivers should feel comfortable selecting Progressive for their auto policy. Not only does the company offer affordable rates, but it also offers more coverage options than just about any other auto insurance company in the country.

Pros

  • One of the three largest personal auto insurance providers in the country

  • Provides unique coverage options, such as pet injury insurance

  • Has an extensive catalog of discounts for drivers

Cons

  • Average customer service and customer satisfaction ratings

  • Higher rates for specific subsets of groups

Farmers

Drivers looking for an insurance provider that goes above and beyond for its policyholders should consider Farmers. Farmers Insurance consistently ranks among the top insurance companies regarding customer satisfaction ratings and positive claim experience.

It also offers a decent amount of coverage options and add-ons to help you customize your auto policy to fit your current situation. Overall, Farmers should make your list of companies to consider if you are okay with paying a little more for coverage to get a better customer service experience.

Pros

  • 20+ discounts available to qualifying drivers

  • Consistently receives high marks for positive claims experience

  • Scores highly for customer service

Cons

  • Premiums tend to be higher than the national average for several subsets of drivers

  • Gap insurance isn’t available

Progressive vs. Farmers – Ratings

Both Progressive and Farmers Insurance scored very well on external financial strength ratings. According to A.M. Best and Moody’s, Farmers insurance did have better customer satisfaction and claims satisfaction ratings, but Progressive scored better in other categories.

Rating FactorProgressiveFarmers
FitchN/AWD
A.M. BestA+A
Moody’sA2Baa2
S&PAAA
J.D. Power856868

The Best Car Insurance Companies in 2022

RankCompany NameAverage Monthly QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1Clearcover
Best Overall
$13597
2Nationwide
Best for Safe Drivers
$19989
3American Family
Best for Families with Teen Drivers
$23489
4Safeco
Best for Drivers with Poor Credit
$18686
5Farmers
Best for Rideshare Coverage
$23985
6Foremost
Best for Hassle-Free Claims
$15982
7Liberty Mutual
Best for Accident Forgiveness
$24182
8Mercury
Best for Face-to-Face Service
$23281
9Progressive
Best for Senior Drivers
$14780
10Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

When selecting your auto insurance provider, it’s crucial to pick the best possible company for you. For example, if you are looking for an insurance company that offers excellent rates for more experienced drivers, then Progressive is often the best option. Likewise, people who value customer service should look into a policy from Farmers Insurance.

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Compare Progressive vs. Farmers: Which Is Cheaper?

Overall, if you are looking for the best rates and considering either Progressive or Farmers, you should choose Progressive. Not only does the company offer the most affordable rates for standard coverage, but it is cheaper for most subgroups of drivers as well.

The Cheapest Car Insurance Companies in 2022

RankInsurance CompanyAverage Cost Per MonthICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1USH&C$44Not Rated
2Metromile$63Not Rated
3Direct Auto$64Not Rated
4Travelers$6580
5Kemper$71Not Rated
6Progressive$87Not Rated
7Mile Auto$9185
8National General$9358
9Clearcover$9497
10GAINSCO$94Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

While neither Progressive nor Farmers Insurance has the lowest rates in the industry, both offer affordable coverage for drivers. Progressive auto insurance has the sixth-lowest average monthly cost for standard car insurance policies.

Compare Progressive vs. Farmers Car Insurance by Age

While it isn’t the number one thing that insurance companies look at when setting the rates for a policyholder, age can significantly determine how much you pay each month—this is especially true for young drivers.

Progressive and Farmers both follow the same age trend, as 18-year-olds pay more than those who are 55 years old. However, Progressive has the lower rates for each age group compared to Farmers.

Age GroupProgressive Avg. Auto Insurance RatesFarmers Avg. Auto insurance Rates
18$246$343
25$79$106
35$80$102
45$70$97
55$61$82
65$65$87
75$78$106
81$82$118

Compare Progressive vs. Farmers Car Insurance by Gender

Gender isn’t often the first criteria that drivers think about when it comes to factors that affect their insurance premiums. However, most insurance providers will offer lower rates to female drivers over male drivers. The main reason for the difference is that statistics show male drivers are more likely to partake in risky driving habits and behaviors.

Both Progressive and Farmers Auto Insurance follow the industry trend and offer better rates for females than males. However, both insurance companies are above the national average for males and females.

Which is cheapest for men?

For male drivers looking for auto insurance coverage, Progressive offers lower rates than Farmers. Its policies tend to be $30 less per month and save male drivers more than $300 annually.

GenderProgressiveFarmersIndustry Average
Men$78$108$81
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for women?

The national average for female drivers is $68 per month, and while Progressive and Farmers have average rates higher than that, both are still great options for coverage. Progressive is the most affordable between the two, as it comes in almost $30 less than Farmers.

Which is cheapest for women?

GenderProgressiveFarmersIndustry Average
Women$79$106$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Progressive vs. Farmers Car Insurance by Mileage

Mileage isn’t something that often plays a big factor in the price you pay each month for your auto insurance policy unless your insurance provider offers a mileage-based plan. Progressive doesn’t offer special rates based on mileage, but Farmers does.

Drivers who only drive around 5,000 miles each year can save as much as $10 per month by choosing Farmers Insurance over Progressive.

Which is cheapest for drivers with high mileage?

If you use your vehicle for business or plan on putting more than 15,000 miles on your car each year, then you should consider Progressive over Farmers. You can save around $27 per month on auto coverage by choosing Progressive.

Annual MileageProgressiveFarmersIndustry Average
15,000-20,000$79$106$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for drivers with low mileage?

Even though Farmers does offer a discount of around $10 per month for drivers who only drive 5,000 miles per year, it is still more expensive than Progressive. A policy with Progressive tends to run drivers around $78 per month if you keep your mileage under 10,000 annually.

Annual MileageProgressiveFarmersIndustry Average
5,000$78$96$78
10,000$79$106$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Progressive vs. Farmers Car Insurance by Credit Score

Credit scores affect everything from your ability to get a loan to the price you pay for an auto insurance policy. Car insurance companies use credit scores to determine your likelihood of making payments on time and filing claims.

Progressive and Farmers both reward drivers who have good credit scores with lower average monthly premiums.

Which is cheapest for good credit?

If your credit history is in good standing and you have good credit, Progressive is more likely to provide affordable rates than Farmers. On average, a driver will pay $16 less per month with car insurance through Progressive than purchasing coverage through Farmers.

Credit TierProgressiveFarmersIndustry Average
Excellent$53$68$60
Good$70$85$71
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for bad credit?

Generally, drivers who have a below-average credit history pay more for coverage. Both Progressive and Farmers have increased rates, but Progressive remains the cheaper option of the two, with a monthly average of $113 for drivers with poor credit.

Credit TierProgressiveFarmersIndustry Average
Average$77$91$78
Poor$113$135$120
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Progressive vs. Farmers Car Insurance by Driving Record

Out of all the factors affecting auto insurance rates, your driving record often plays the biggest part in determining your monthly premium. Insurance providers use driving history to tell how much of a risk a driver is to insure. The more at-fault accidents or tickets, the more risk an insurance company takes on to insure a driver.

The type of incidents and the number of times they occur on a driving record can also affect how significant the increase in premiums is. For example, some insurance providers offer accident forgiveness and won’t raise your rates if you have one accident. However, if you have multiple accidents or tickets, your rates are likely to increase.

Which is cheapest for good drivers?

Drivers with no accidents or tickets on their driving record will typically receive the lowest quotes. While neither Progressive nor Farmers has average rates below the national average of $67 per month, Progressive is still $14 cheaper than Farmers.

Driver TypeProgressiveFarmersIndustry Average
Clean Record$77$91$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a speeding ticket?

If you have received a speeding ticket, Progressive is the best option to purchase your auto insurance. The company offers average rates of around $99 per month and is $30 cheaper than Farmers.

Driver TypeProgressiveFarmersIndustry Average
Speeding Ticket$99$129$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after an accident?

An accident can increase your overall auto insurance rates. For instance, Progressive and Farmers increase rates by nearly $40 for drivers with an accident compared to those without one. Still, Progressive remains the cheaper option of the two insurance providers.

Driver TypeProgressiveFarmersIndustry Average
Drivers with a Car Accident$111$127$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a DUI?

DUIs usually mean a significant increase in monthly premium payments. Progressive is one of the few insurance providers that offer some forgiveness with DUIs and only has average premium increases of $16.

Driver TypeProgressiveFarmersIndustry Average
Drivers with a DUI$95$133$155

Progressive vs. Farmers Car Insurance: What discounts does each offer?

Discount TypeProgressive InsuranceFarmers Insurance
Multi-policy
Multi-vehicle
Safe driver
Good student
Distant student
Homeowner
Pay in full
Automatic payment
Teen driver
Paperless
Continuous insurance
Online quote
Sign online
Affinity
Good payer
Shared family car
On your own
Senior
Alternative fuel
Antilock brakes
Anti-theft
Daytime running lights
Passive restraint
Homing device
VIN etching

Our Methodology and How We Compared Progressive and Farmers

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions: Progressive vs. Farmers

  • When looking at pricing, Progressive is by far the cheaper option when compared to Farmers Insurance. Its average price for a standard policy is about $30 cheaper per month, and it offers more affordable rates for nearly all subgroups of drivers.

  • The decision between Progressive and Farmers comes down to what type of auto insurance company you want. Farmers Insurance makes sense if you value customer service and don’t mind paying a little more for coverage. However, if you want the cheapest rates possible, Progressive is the better option.

  • The easiest way to compare car insurance providers is to use a comparison tool like Insurify. Insurify has a platform with a comparison feature built-in that will allow you to review quotes from multiple insurance providers on a single page, making it simple and easy to find your perfect coverage.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Doug Shaffer
Written by
Doug Shaffer

Insurance Writer

Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.