- Progressive vs. Farmers: Which one is the cheapest?
- Progressive vs. Farmers: Rates by age group
- Progressive vs. Farmers: Rates for high-risk drivers
- Progressive vs. Farmers: Which is better rated?
- Progressive vs. Farmers: Rates in your state
- Progressive vs. Farmers: Which offers better discounts?
- Progressive vs. Farmers: The bottom line
- Methodology
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
Teen drivers pay the highest car insurance rates. Progressive offers the cheapest car insurance rates for teen drivers at $7,174 per year. On the other hand, Farmers offers car insurance rates at an average of $8,348 annually.
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 has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.
For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.
Take a look at the table below for Progressive rates compared 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 company, it's important to consider more than just price. Customer service, claims processing and a good online experience also matter. Check out the table below to see how Progressive and Farmers ranked among the best car insurance companies of 2025.
Overall, Progressive received a score of 4.14, while Farmers scored 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 | ||
| Insurance.com score |
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 big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts 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% |
Always be sure to ask about available discounts when you're shopping around for insurance to see what you may 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
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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