Farmers vs Progressive
Last updated July 2026
Farmers
We know a thing or two because we've seen a thing or two
Advantages
- Signal by Farmers telematics offers discounts up to 15% for safe driving
- Rideshare coverage available in most states without a separate policy
- Strong farm, ranch, and specialty vehicle coverage where competitors are thin
- Accident forgiveness and diminishing deductible available
- Deep bundling with home, renters, life, and umbrella
Drawbacks
- Base rates tend to be higher than State Farm for most driver profiles
- J.D. Power satisfaction scores trail State Farm in most regions
- Not available in every state, notably not in Alaska, Hawaii, or most of the Northeast
Progressive
Name your price
Advantages
- Snapshot telematics can deliver large discounts for safe drivers
- Competitive rates for high-risk, young, and SR-22 drivers
- Name Your Price tool helps find coverage that fits your budget
- Comparison tool shows competitor rates alongside Progressive's
- Strong bundling options including boat, motorcycle, and RV
Drawbacks
- Base rates without Snapshot can be higher than Geico
- Customer service satisfaction scores trail some competitors
- Snapshot can increase your rate if you have poor driving habits
- Claims process satisfaction is middling in surveys
Farmers and Progressive both play in auto insurance, but they're aimed at different buyers. Farmers is built for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles. Progressive is built for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Farmers | Progressive |
|---|---|---|
| Typical Monthly Cost | Avg $155-$210/mo before bundling | $130-$160/mo national average |
| Quote Process | Local agent, online, or phone | Online with competitor comparison tool |
| Available Discounts | Signal, multi-policy, homeowner, good student, safe driver | Snapshot, multi-policy, homeowner, paid-in-full |
| Claims Experience | 24/7 phone, app, or agent-assisted | App, phone, local adjusters in some areas |
| Customer Support | Local agents, phone, app, online | -- |
| Coverage Options | Liability, collision, comprehensive, custom equipment, rideshare | -- |
| Mobile App Quality | Good, ID cards, claims, Signal, payments | Good, Snapshot integration, policy management |
| Bundling Options | Auto, home, renters, life, umbrella, farm, small business | Direct, auto, home, boat, motorcycle, RV |
| Telematics Program | -- | Snapshot, mature, well-proven program |
| High-Risk Drivers | -- | Strong, one of the best for high-risk drivers |
Progressive Wins
Progressive takes it overall (8/10 vs 7/10), but Farmers is still the sharper pick for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles.
Progressive's standout strength: Snapshot telematics can deliver large discounts for safe drivers. Its biggest drawback (base rates without Snapshot can be higher than Geico) is easier to live with than Farmers's (base rates tend to be higher than State Farm for most driver profiles). Farmers isn't out of the running though — its own standout strength is signal by Farmers telematics offers discounts up to 15% for safe driving. If you fit the profile of drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles, that alone can flip the decision.
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