Progressive vs FarmersCar insurance compared

Compared: Personal auto policy vs Personal auto policyDocuments checked: November 12, 2026

Short answer

As of November 12, 2026, from Select Your Cover's read of both insurers' documents:

Progressive comes out ahead on more of the points we compared (2 of 2), but the right choice depends on you and the price you're quoted. Progressive is stronger on accident forgiveness, am best rating; Farmers on no single point.

8.2

Good

How we score

Personal auto policy

1.2on Trustpilot · 2,046 reviews

Visit Progressive ↗

7.8

Fair

How we score

Personal auto policy

1.2on Trustpilot · 375 reviews

Visit Farmers ↗

Head to head

Accident forgiveness

Progressive

Progressive: Earned free vs Optional add-on

AM Best rating

Progressive

Progressive: A+ vs A

Side by side

Pick what matters to you and see which of the two fits. Tap any value to read the exact wording.

What matters to you?

Pick any. Those rows move to the top and we show who leads on them.

Progressive

Personal auto policy

Farmers

Personal auto policy

Accident forgiveness

Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.

Earned freeEarned freesmall claims from day 1, large after 5 years

Optional add-on

New car replacement

If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.

Not stated

First 2 model yearsand under 24,000 miles

Gap or loan payoff

Pays what you still owe on a loan or lease when that's more than the car is worth.

Up to 25% of valueloan/lease payoff

Shrinking deductible

Your deductible drops for every claim-free year or six months.

Down to $0$50 every 6 claim-free months

$50 every 6 claim-free monthsno cap stated

Rental car

Pays for a rental while your car is repaired after a covered claim.

Optionalfrom $70 a day

Optionallimits you choose

Roadside and towing

Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.

OfferedSources differ

Up to 100 mileson the top plan

Rideshare drivers

Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.

App on + after pickupfills the deductible gap

While the app is onuntil a ride is acceptedSources differ

Safe-driving discount

An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.

Snapshotno maximum discount stated

Farmers Signalno maximum discount stated

AM Best rating

AM Best grades an insurer's ability to pay claims. A++ is the top grade.

Top gradeA+Superior

AExcellent

Progressive

Personal auto policy

Farmers

Personal auto policy

Accident forgiveness

Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.

ProgressiveEarned freeEarned freesmall claims from day 1, large after 5 years

FarmersOptional add-on

New car replacement

If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.

ProgressiveNot stated

FarmersFirst 2 model yearsand under 24,000 miles

Gap or loan payoff

Pays what you still owe on a loan or lease when that's more than the car is worth.

ProgressiveUp to 25% of valueloan/lease payoff

FarmersUp to 25% of valueloan/lease payoff

Shrinking deductible

Your deductible drops for every claim-free year or six months.

ProgressiveDown to $0$50 every 6 claim-free months

Farmers$50 every 6 claim-free monthsno cap stated

Rental car

Pays for a rental while your car is repaired after a covered claim.

ProgressiveOptionalfrom $70 a day

FarmersOptionallimits you choose

Roadside and towing

Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.

ProgressiveOfferedSources differ

FarmersUp to 100 mileson the top plan

Rideshare drivers

Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.

ProgressiveApp on + after pickupfills the deductible gap

FarmersWhile the app is onuntil a ride is acceptedSources differ

Safe-driving discount

An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.

ProgressiveSnapshotno maximum discount stated

FarmersFarmers Signalno maximum discount stated

AM Best rating

AM Best grades an insurer's ability to pay claims. A++ is the top grade.

ProgressiveTop gradeA+Superior

FarmersAExcellent

Choose Progressive if…

✓ Progressive: Earned free vs Optional add-on
✓ Progressive: A+ vs A

Choose Farmers if…

Its price for you comes in lower. Get quotes from both.

Compare all 9 car insurance insurers →

Common questions

Is Progressive better than Farmers?

Progressive vs Farmers: accident forgiveness?

Progressive: Earned free vs Optional add-on.

Progressive vs Farmers: am best rating?

Progressive: A+ vs A.

More car insurance comparisons

Progressive vs GEICO State Farm vs GEICO GEICO vs USAA GEICO vs Liberty Mutual GEICO vs Allstate State Farm vs Progressive State Farm vs Allstate Progressive vs Allstate Progressive vs Liberty Mutual State Farm vs USAA State Farm vs Farmers Allstate vs Farmers GEICO vs Farmers

Compare other cover

Compares documents downloaded on 2026-11-12. Terms vary by state, and prices depend on you. Not insurance advice, and we are not an insurance agent.