Progressive vs. Farmers: Which offers the cheapest auto insurance rates?

Progressive vs. Farmers: Which one is the cheapest?

Progressive costs an average of $549, while Farmers has average rates for state minimum coverage of $701.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Progressive costs an average of $1,998. Farmers costs more at an average of $2,387.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Progressive	$1,998	$549	$709
Farmers	$2,387	$701	$991

Progressive vs. Farmers: Rates by age group

For a teen — one of the most expensive age groups to insure — Progressive has the cheapest rates, coming in at $7,174 per year. Farmers costs an average of $8,348 for a teen driver.

Age plays a major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.

Adults pay an average of $2,009 with Progressive, while Farmers charges an average of $2,336 for an adult. The table below lists the car insurance rates for different age groups for Progressive and Farmers.

Age group	Progressive	Farmers
Teens	$7,174	$8,348
Young adults	$3,242	$3,602
Adults	$2,009	$2,336
Seniors	$2,000	$2,290

Progressive vs. Farmers: Rates for high-risk drivers

Progressive offers the best rates for high-risk drivers. These are drivers with multiple speeding tickets, accidents, or serious offenses like a DUI on their driving record making it difficult to find affordable auto insurance.

For drivers with a DUI, Progressive offers lower rates, with an average cost of $2,707 a year.

Refer the table below to see how Progressive rates compare to Farmers rates.

Type of violation	Progressive	Farmers
1 At-fault property damage accident over $2K	$3,119	$3,914
1 At-fault property damage accident under $2K	$3,103	$3,890
At-fault bodily injury accident	$3,126	$4,128
Careless driving	$2,936	$4,414
DUI	$2,707	$5,129
Reckless driving	$2,982	$5,089
Speeding	$2,650	$3,380

Progressive vs. Farmers: Which is better rated?

When choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how Progressive and Farmers scored among the best car insurance companies of 2025.

Overall, Progressive earned a score of 4.14, while Farmers received a score of 3.69.

Ratings	Progressive	Farmers
NAIC	0.65	0.80
AM Best	A+	A
Average annual premium	$1,992	$2,388
Average monthly premium	$166	$199
Customer Satisfaction	3.9	4.1
Insurance.com score	4.1	3.7

Progressive vs. Farmers: Rates in your state

Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for Progressive and Farmers. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

State	Progressive	Farmers
Alabama	$2,402	$2,542
Alaska	$1,742	N/A
Arizona	$1,903	$2,331
Arkansas	$2,431	$2,248
California	$2,179	$3,035
Colorado	$2,796	$3,578
Connecticut	$1,708	$2,192
Delaware	$1,999	N/A
Florida	$2,902	$3,261
Georgia	$1,656	N/A
Hawaii	$1,279	$1,495
Idaho	N/A	$1,606
Illinois	$1,412	N/A
Indiana	$1,480	$1,956
Iowa	$1,589	N/A
Kansas	$1,937	$1,992
Kentucky	$2,714	$3,548
Louisiana	$3,065	$3,002
Maine	$1,106	$1,664
Maryland	$1,895	N/A
Massachusetts	$2,016	$1,966
Michigan	$2,069	N/A
Mississippi	$2,131	N/A
Missouri	$1,960	N/A
Montana	$2,414	$2,939
Nebraska	$1,964	N/A
Nevada	$2,482	$2,328
New Hampshire	$1,343	$1,954
New Jersey	$2,187	$2,254
New Mexico	$1,557	$2,740
New York	$1,020	N/A
North Carolina	$2,028	$2,028
North Dakota	$1,403	$2,077
Ohio	$1,626	$1,794
Oklahoma	$1,194	$2,717
Oregon	$1,765	$2,210
Pennsylvania	$2,193	N/A
Rhode Island	$1,841	$3,336
South Carolina	$1,816	N/A
South Dakota	$3,163	$2,207
Tennessee	$1,550	$1,770
Texas	$3,032	$4,127
Utah	$1,845	$2,638
Vermont	$926	$2,333
Virginia	$2,120	N/A
Washington	$2,554	$1,714
Washington, D.C.	$1,488	N/A
West Virginia	$1,825	$2,442
Wisconsin	$2,128	$2,139
Wyoming	N/A	$1,623

Progressive vs. Farmers: Which offers better discounts?

Discounts are a great way to save money on your annual insurance premiums. Below are some of the discounts that Progressive and Farmers offer to their customers.

Discounts	Progressive	Farmers
Multi policy	9%	11%
Days advanced purchase	4%	8%
Lower annual mileage	5%	15%
Homeowner	4%	5%
Paperless/electornic documents	1%	5%
Payment type	11%	5%
Purchase status	N/A	5%
Education	4%	N/A
Marital status	12%	4%
Loyalty	3%	1%
Electronic funds transfer	3%	3%
Safety devices	3%	3%
Profession	14%	N/A
Telematics	10%	N/A
Electronic signature	10%	N/A
Air bags	1%	1%
Anti-theft device	0%	0%

When shopping for car insurance, always ask about available discounts to see which ones you qualify for.

Progressive vs. Farmers: The bottom line

Both Progressive and Farmers are solid insurance companies, but if rates are what matter most to you, Progressive may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: