Farmers vs. Progressive: Auto and Home Insurance Compared

Farmers vs. Progressive side by side

Program names and features are as publicly described by each company and can change. Availability varies by state.

Because Progressive sells through independent agents in many areas, an independent agency may be able to quote Progressive alongside other companies, depending on its appointments. Farmers' exclusive agents quote Farmers products.

Auto insurance: what to compare

• Price for matching coverage. Use identical limits and deductibles.
• Telematics. Snapshot and Signal can reward safe habits, but some programs can raise rates for risky driving. Read the terms.
• Accident forgiveness and loyalty features. Rules and availability differ.
• Optional coverages. Rental, roadside, gap or loan/lease payoff, custom equipment, and rideshare endorsements.
• SR-22 handling if you need a filing.

Home and bundling: what to compare

Bundling is often where these two companies differ most. With Farmers, home and auto can be written by Farmers companies through one agent. With Progressive, the home policy may be written by Progressive Home or by a partner insurer, depending on the state, which affects who handles a home claim. When comparing bundles, ask which company issues each policy, compare roof and storm deductible terms, and confirm the bundle discount amount. Our home insurance comparison guide explains what to line up.

Who each company may fit

• Shoppers who want a dedicated local agent may prefer Farmers' agent model.
• Shoppers who prefer online tools may like Progressive's direct experience and budget tool.
• Drivers with violations or an SR-22 requirement often find Progressive willing to quote; compare with other companies too. See our high-risk auto insurance page.
• Homeowners who want one company for everything should compare Farmers' bundle with a Progressive bundle that may involve a partner home insurer.

How to compare Farmers and Progressive quotes

The fairest way to compare Farmers and Progressive is to request quotes with identical inputs and then compare more than price:

1. Match coverage. Use the same liability limits, uninsured motorist limits, deductibles, and add-ons on both quotes.
2. Use the same household details. Every driver, vehicle VIN, garaging address, and annual mileage.
3. Check which discounts each quote assumes, and whether you actually qualify.
4. Compare service models. Decide whether you prefer a local agent, an app, or phone service.
5. Read telematics terms if either quote depends on a driving-data program.
6. Get a third quote. Another company may beat both for your profile.

Claims and service considerations

With an agent-centered company like Farmers, your agent can often help guide a claim, though the company's claims staff makes the coverage decisions. With Progressive, claims are typically handled through its claims centers and app, and policies bought through an independent agent can also get help from that agent. Ask each company about 24/7 claim reporting, repair shop choice and guarantees, rental arrangements, and total-loss valuation.

Snapshot vs. Signal: questions to ask

Driving-data programs can lower premiums, but they work differently. Before enrolling in either, ask:

• Does the program use a phone app, a plug-in device, or connected-car data?
• Which behaviors are measured, such as hard braking, phone use, speed, and late-night driving?
• Can the program increase my premium, or only reduce it?
• How long is the monitoring period, and when does the discount apply?
• Who else is the data shared with?

Our guide to usage-based insurance explains the trade-offs in detail.

Coverage terms to match on both quotes

Before comparing Farmers and Progressive on price, make sure both quotes include the same coverage. This table shows what to line up.

Limits shown are examples, not recommendations. State minimum requirements differ.

Discounts to ask both companies about

Discount names and amounts vary by state, so ask each company which of these you qualify for and how much each one is worth on your quote:

• Multi-policy for bundling auto with home, renters, or condo coverage.
• Multi-vehicle for insuring more than one car on the same policy.
• Good student for younger drivers with qualifying grades.
• Paid-in-full and automatic payment options, which can lower installment fees.
• Homeowner discounts, which some companies apply even if the home is insured elsewhere.
• Continuous insurance for maintaining coverage without a gap.
• Safe driver and telematics discounts, which depend on your record or monitored driving.

A long discount list does not guarantee a lower final price. Compare the total premium for the same coverage.

How to switch without a gap

If you decide to move from one company to the other, timing matters. A lapse in coverage, even for a day, can raise future rates, trigger lender requirements, and create legal problems if you drive uninsured. To switch cleanly:

1. Buy the new policy with a start date on or before the day you want the old one to end.
2. Confirm the new insurer has your lienholder or lessor information if the car is financed.
3. Print or save the new ID cards.
4. Cancel the old policy in writing or by phone, effective the day the new one begins, and ask about any refund of unused premium.
5. Notify the DMV or court if you carry an SR-22 so the filing is transferred.

How your state changes the comparison

Car insurance is regulated state by state, which affects any company comparison:

• Minimum liability limits differ widely. State minimums are often far below what a serious accident costs, so many drivers choose higher limits.
• No-fault states require personal injury protection, which changes how injury claims are paid.
• Rating factors differ. Some states limit or ban the use of credit-based insurance scores, gender, or occupation in pricing.
• Uninsured motorist rules differ. Some states require it; others require insurers to offer it and let you reject it in writing.
• Company availability differs. A company's programs, discounts, and appetite in one state may not match another.

A comparison that is accurate in one state can be wrong in the next, which is another reason to compare actual quotes for your address rather than national averages.

What you need to compare Farmers and Progressive

Gather these details for accurate, comparable quotes.

1. Driver and vehicle details. Licenses, VINs, garaging address, and mileage.
2. Driving history. Accidents, violations, and any SR-22 requirement.
3. Home details. Year built, roof age, and current dwelling limit, if bundling.
4. Current declarations pages. To match limits and deductibles.
5. Budget and priorities. Agent service, app tools, or price.

Farmers vs. Progressive FAQs

Related guides

• Car insurance comparison
• Usage-based insurance
• Travelers vs. GEICO

Your next step

Get your Farmers or Progressive quote, then request ours with the same coverage. We will compare the options available to us for your household.