Progressive vs. Farmers: Which Car Insurance Is Cheaper in 2026?
Progressive is famous for low rates and the Name Your Price tool. Farmers is known for its large agent network and customizable coverage. Here is how they compare.
Average Rates Comparison
| Driver Profile | Progressive | Farmers | Winner |
|---|---|---|---|
| Clean record, 30s | ,280/yr | ,520/yr | Progressive (-16%) |
| Young driver, 21 | ,100/yr | ,300/yr | Progressive (-28%) |
| After one accident | ,700/yr | ,400/yr | Progressive (-21%) |
| After DUI | ,200/yr | ,000/yr | Progressive (-16%) |
| Senior driver, 65+ | ,500/yr | ,700/yr | Progressive (-12%) |
| Bundled home+auto | ,400/yr | ,600/yr | Progressive (-8%) |
Key takeaway: Progressive is cheaper than Farmers across every driver profile, with savings ranging from 8% to 28%.
Coverage Features
Progressive Unique Features: - Snapshot (telematics): Up to 30% savings - Name Your Price: Set your budget, find coverage that fits - Comparison rates: See competitor rates on your quote - Custom parts and equipment coverage: Available - Pet injury coverage: Included with collision - Gap insurance: Available for qualifying drivers
Farmers Unique Features: - Signal (telematics): Up to 30% savings - Accident forgiveness: Available (not automatic) - New car replacement: Available for 2 years - Custom parts coverage: Included - Rideshare coverage: Available in most states - Multi-car discount: Up to 25%
Claims and Customer Service
Progressive: - J.D. Power claims satisfaction: 870 out of 1,000 (average) - AM Best financial rating: A+ (superior) - Local agents: Limited (mostly independent agents) - Mobile app rating: 4.7 out of 5 (iOS) - Average claim resolution: 7-12 days
Farmers: - J.D. Power claims satisfaction: 860 out of 1,000 (average) - AM Best financial rating: A (excellent) - Local agents: 21,000+ nationwide - Mobile app rating: 4.5 out of 5 (iOS) - Average claim resolution: 10-14 days
Which Is Better for You?
Choose Progressive if: - You want the lowest rates - You want the Name Your Price tool - You want to see competitor rates on your quote - You are a high-risk driver (DUI, accidents) - You want faster digital claims processing
Choose Farmers if: - You want a local agent for in-person support - You want custom parts coverage included - You want rideshare coverage in most states - You want a large agent network (21,000+ agents)
The Bottom Line
Progressive wins on price across every driver profile. Farmers wins on agent availability and custom parts coverage. For most drivers, Progressive offers better value with lower rates and the Name Your Price tool.
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