Progressive vs Farmers: Car Insurance Comparison 2026

“` 2026 Auto Insurance Comparison

Progressive vs Farmers

Q: Does Farmers offer GAP insurance?

Yes. Farmers offers Gap Insurance or Residual Debt Coverage for qualifying vehicles and states that applicable coverage can pay up to 25% above the vehicle's actual cash value.

Compare Progressive and Farmers car insurance for 2026, including coverage, discounts, Snapshot vs Signal, accident forgiveness, gap protection, new car replacement, rideshare coverage, roadside assistance and rental protection.

Updated for 2026 • Coverage, pricing, discounts and program availability can vary by state.

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Progressive and Farmers both provide broad auto insurance coverage, but their optional features and driver programs differ in several important ways. Both companies offer core protection such as liability, collision, comprehensive and uninsured/underinsured motorist coverage, while also providing additional options for vehicle protection, rental transportation, roadside assistance and rideshare drivers.

A major difference is their usage-based insurance programs. Progressive offers Snapshot, while Farmers offers Signal. Both programs use driving information to personalize pricing, but they evaluate driving behavior through their own systems and have different availability rules.

Farmers also provides several vehicle-protection options worth examining, including New Car Replacement, Residual Debt Coverage, OEM parts coverage and Accident Forgiveness in qualifying policies.

This page compares documented features and policy options. It does not assume that either company will have the lowest premium for every driver because insurance pricing depends on individual and state-specific factors.

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Progressive vs Farmers: At a Glance

Feature	Progressive	Farmers
Liability coverage	Available	Available
Collision coverage	Available	Available
Comprehensive coverage	Available	Available
Uninsured / underinsured motorist	Available	Available
Medical payments / PIP	Available Availability varies by state.	Available Availability varies by state.
Usage-based insurance	Snapshot	Signal
Loan / GAP-style protection	Loan/Lease Payoff	Residual Debt Coverage
New car replacement	Options vary by state and policy	New Car Replacement / Vehicle Replacement Plus
Accident forgiveness	Availability varies by state and policy	Available in qualifying states and policies
Rental reimbursement	Available	Available
Roadside assistance	Available	Available
Rideshare coverage	Rideshare Coverage	Rideshare & Food Delivery
Multi-policy discount	Available	Available
Multi-car discount	Available	Available

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Car Insurance Coverage Comparison

Both Progressive and Farmers offer the standard coverage categories that drivers typically use to build an auto policy. The important differences often appear in optional endorsements and vehicle-specific protection.

Liability Coverage

Both companies provide bodily injury and property damage liability coverage for qualifying claims where the insured is legally responsible, subject to policy limits and state requirements.

Collision Coverage

Collision coverage can help pay to repair or replace a covered vehicle after a qualifying collision, subject to the selected deductible and policy terms.

Comprehensive Coverage

Comprehensive coverage addresses qualifying non-collision losses such as theft, fire, vandalism, weather-related damage and other covered events.

Uninsured & Underinsured Motorist

Both insurers offer uninsured and underinsured motorist protection, although exact limits and requirements depend on state law.

Medical Payments & PIP

Medical-related coverage is available from both companies, including Medical Payments and PIP where applicable. Availability and required coverage vary by state.

Rental Transportation

Progressive offers rental car reimbursement after qualifying covered accidents. Farmers offers rental reimbursement as well as a rental alternative/loss-of-use option in qualifying policies.

Important: A meaningful insurance comparison should use identical liability limits, deductibles and optional coverage selections. State minimums alone may not create equivalent protection between two quotes.

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Progressive vs Farmers Discounts

Both companies provide multiple discounts, but eligibility differs by state, policy type, driver profile and other qualifications.

Discount / Savings Opportunity	Progressive	Farmers
Usage-based driving	Snapshot	Signal
Multi-policy / bundling	Available	Available
Multi-car	Available; Progressive currently states an average 12% discount for qualifying multi-car policies.	Available
Safe driver	Available through qualifying driving history and programs	Available for qualifying drivers with clean driving records
Good student	May be available depending on state	Available for qualifying full-time students
Homeowner	May qualify	Homeowner discount available
Pay in full	Available options vary	Available
Electronic / paperless	Online and electronic options available	ePolicy discount available
Good payer	Payment-related discounts may apply	Good Payer discount
Young driver	State-specific discounts may apply	Youthful Driver discount
Student away at school	State-specific availability	Distant Student discount
Defensive / mature driver	Availability varies by state	Mature / Defensive / Senior Driver discount may apply

Progressive Discount Structure

Progressive lists discounts for Snapshot, multi-policy, multi-car, safe driving, accident-free and claim-free histories, online quoting, signing online and other qualifying situations.

Progressive currently states that qualifying multi-car policies receive an average 12% discount.

Farmers Discount Structure

Farmers says it offers more than 20 discount options. Current examples include Signal, bundling, multi-car, safe driver, good student, distant student, five-year accident-free, homeowner, pay in full, ePolicy and anti-theft discounts.

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Progressive Snapshot vs Farmers Signal

Snapshot and Signal are both usage-based insurance programs. Each uses driving information to personalize pricing, but the programs have different rules, availability and data considerations.

Progressive

Snapshot

Progressive Snapshot personalizes insurance pricing using actual driving information. Depending on eligibility and state, participation can use a mobile app, plug-in device or an approved source of driving data.

Measures how, how much and when you drive.
Hard braking can affect results.
Rapid acceleration can be considered.
Time of day can be considered.
Mileage can be considered.
Mobile-app participation can consider handheld phone use in some states.
Progressive currently reports an average $164 participation discount for eligible new customers.
Customers who earn a Snapshot discount currently save an average of $328 per year.
Riskier driving can result in a higher rate in applicable states and situations.

Farmers

Signal

Farmers Signal is a smartphone-based program that monitors driving behavior and can provide an initial discount and a possible renewal discount based on driving results.

Smartphone-based participation.
Braking behavior can be evaluated.
Phone use while driving can be considered.
Time of day can be considered.
Total mileage can be considered.
An initial discount is available after qualifying enrollment.
Safe driving can produce an additional renewal discount.
Riskier driving behavior can increase the renewal premium.
Signal availability varies by state and policy.

Important telematics difference: Neither program should be evaluated only by its advertised potential discount. Drivers should also examine which behaviors are measured, whether the program can affect renewal pricing, and whether it is available for their particular state and policy.

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How Farmers Signal Works

Signal Uses Driving Data to Personalize Savings

Farmers says Signal provides an initial discount for qualifying enrollment and can provide additional savings at renewal based on driving behavior.

Farmers’ current Signal information states that the program can evaluate factors including focused driving, hard braking, time of day and total mileage.

Farmers also states that riskier driving behavior can raise the premium at renewal. Signal availability is not universal and varies by state and policy type.

The Signal app may also include CrashAssist in qualifying situations. CrashAssist can use smartphone sensors to help detect a possible crash and prompt the customer for confirmation.

Telematics Feature	Progressive Snapshot	Farmers Signal
Mobile app	Available in qualifying situations	Yes
Driving behavior	Measured	Measured
Hard braking	Measured	Measured
Acceleration	Measured	Driving behavior is evaluated
Phone distraction	In some states with mobile app	Focused driving / phone use
Time of day	Measured	Measured
Mileage	Measured	Total mileage considered
Renewal pricing impact	Can affect renewal pricing	Can affect renewal pricing
Riskier driving	May increase rate in applicable states	May increase renewal premium

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Gap Insurance and Vehicle Protection

Progressive

Loan/Lease Payoff

Progressive offers Loan/Lease Payoff coverage for qualifying financed or leased vehicles.

If the vehicle is stolen or totaled, the coverage can help pay the difference between the vehicle’s current value and the amount owed, up to the coverage limit.

Progressive currently states that the limit can be up to 25% of the vehicle’s actual cash value, although the exact limit can vary by state.

Comprehensive and collision coverage are required to add Loan/Lease Payoff coverage.

Farmers

Residual Debt Coverage

Farmers offers Gap Insurance / Residual Debt Coverage for qualifying vehicles.

Farmers states that the coverage can pay the difference between the amount owed on a vehicle and its actual cash value after a covered total loss.

The Farmers coverage can provide up to 25% above the vehicle’s actual cash value, subject to policy terms and eligibility.

Key point: Progressive calls its product Loan/Lease Payoff, while Farmers uses Residual Debt Coverage / Gap terminology. The two products should be compared by their actual limits, eligibility requirements and exclusions, not simply by the product name.

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New Car Replacement

Farmers New Car Replacement / Vehicle Replacement Plus

Farmers offers New Car Replacement or Vehicle Replacement Plus in qualifying states and policies.

Farmers states that, depending on the state and coverage, a qualifying vehicle that is a total loss can be replaced with a new or newer vehicle.

Under Farmers Smart Plan information, New Car Replacement coverage can replace a totaled vehicle with a new vehicle of the same make and model when the vehicle qualifies. Farmers currently describes eligibility in that program as within the first two model years and 24,000 miles.

Exact vehicle age, mileage and replacement rules vary by state and policy.

For new-car owners: Check the exact replacement period and mileage requirements in your state. A new-car replacement endorsement can work very differently from ordinary collision coverage because standard claims are generally based on the vehicle’s covered value rather than simply replacing it with a new model.

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Accident Forgiveness Comparison

Progressive

Progressive offers accident-related discounts and policy features, but the availability and terms of accident forgiveness can vary by state, customer history and policy.

Drivers should confirm the exact accident-forgiveness option available with their Progressive quote and policy.

Farmers

Farmers offers Accident Forgiveness in qualifying states and policies. Farmers states that the coverage can forgive one at-fault accident every three years.

Accident Forgiveness is optional in applicable policies and may require an additional premium or qualifying conditions.

Farmers Accident Forgiveness

Farmers states that, when Accident Forgiveness is included, it can prevent an auto premium increase because of one at-fault accident during the applicable forgiveness period.

Farmers currently states that the feature is not available in every state and is unavailable in California, Hawaii, North Carolina, New York and South Carolina.

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Roadside Assistance and Rental Coverage

Feature	Progressive	Farmers
Roadside assistance	Progressive offers optional roadside assistance that can include towing, battery jump-starts, flat-tire assistance, fuel delivery and lockout services.	Farmers offers roadside assistance options for qualifying policies. Services and limits depend on the policy and state.
Rental reimbursement	Rental car reimbursement can pay for a rental vehicle after a covered accident, subject to the selected limits.	Farmers can cover rental costs for up to 30 days while a covered vehicle is being repaired, subject to policy conditions.
Alternative transportation	Rental reimbursement focuses on rental transportation following a qualifying covered loss.	Rental Alternative / Loss of Use can provide a daily stipend that may be used for public transportation, taxis, rideshare services or rental vehicles.
Glass protection	Coverage depends on the applicable comprehensive policy and options.	Farmers offers glass deductible buyback / $100 glass deductible options in qualifying states, including $0 deductible for certain chip repairs.

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Rideshare and Food Delivery Coverage

Progressive Rideshare Coverage

Progressive states that rideshare coverage must be added to its personal auto policy for drivers using rideshare or delivery platforms.

The coverage is designed to help fill gaps when the driver is logged into a rideshare or delivery platform and waiting for a trip or delivery request.

Farmers Rideshare & Food Delivery

Farmers offers rideshare insurance for qualifying drivers using companies such as Uber and Lyft, as well as app-based food delivery in some states.

Farmers describes the coverage as protection during periods when the driver is not covered by the rideshare company or personal insurance.

For rideshare drivers: Always check the exact coverage period in your state. The critical issue is often what happens between logging into the app and accepting a trip or delivery request.

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Additional Features Worth Comparing

Progressive Deductible Savings Bank

Progressive’s Deductible Savings Bank can subtract $50 from a qualifying comprehensive or collision deductible for each violation- and claim-free six-month policy period.

Progressive Custom Parts & Equipment

Progressive offers Custom Parts and Equipment coverage for qualifying modifications such as custom wheels, stereo equipment, navigation systems and paint work. The typical limit is $5,000.

Progressive Pet Injury Coverage

Progressive states that qualifying pet injury coverage can provide up to $1,000 for veterinary bills when a pet is injured in a covered accident while riding in the insured vehicle.

Farmers OEM Parts Coverage

Farmers offers OEM / new original parts coverage in qualifying policies. Farmers states that OEM parts coverage can apply to vehicles up to 10 years old.

Farmers Rental Alternative

Farmers Rental Alternative / Loss of Use can provide a daily stipend that may be used for rental cars, taxis, public transportation or rideshare services.

Farmers CrashAssist

Signal may include CrashAssist in qualifying situations. The feature can use smartphone sensors to help detect a possible crash and prompt the driver for confirmation.

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Progressive vs Farmers for Different Driver Situations

Driver Situation	Progressive Feature to Examine	Farmers Feature to Examine
Safe driver	Snapshot	Safe Driver Discount + Signal
Driver comfortable with telematics	Snapshot	Signal
New vehicle owner	Review available vehicle protection	New Car Replacement / Vehicle Replacement Plus
Financed or leased vehicle	Loan/Lease Payoff	Residual Debt Coverage
Driver concerned about at-fault accidents	Review state-specific options	Accident Forgiveness
Driver wanting deductible savings	Deductible Savings Bank	Available deductible options vary by policy
Rideshare driver	Rideshare Coverage	Rideshare & Food Delivery Coverage
Multiple vehicles	Multi-car discount	Multi-car discount
Homeowner	Multi-policy discount	Homeowner + multi-policy savings
Student driver	State-specific student discounts	Good Student + Distant Student discounts
Older driver	State-specific safe-driver options	Mature / Defensive / Senior Driver discount

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How to Compare Progressive and Farmers Quotes

The cheapest-looking quote is not necessarily a direct comparison if the coverage limits and deductibles are different. Use the same policy structure when comparing Progressive and Farmers.

1. Match Liability Limits

Use identical bodily injury and property damage liability limits on both quotes.

2. Match Deductibles

Compare the same comprehensive and collision deductibles to avoid comparing two different levels of out-of-pocket exposure.

3. Compare GAP Protection

If the vehicle is financed or leased, compare Progressive Loan/Lease Payoff with Farmers Residual Debt Coverage.

4. Check New-Car Protection

If the vehicle is relatively new, determine whether Farmers New Car Replacement or another applicable Progressive vehicle protection option is available.

5. Compare Rental Benefits

Check the daily rental limit, total limit and whether alternative transportation benefits are available.

6. Check Telematics Rules

Verify Snapshot or Signal availability and understand how driving behavior can affect renewal pricing.

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Progressive vs Farmers: Key Differences

Comparison Point	Progressive	Farmers
Telematics	Snapshot	Signal
Reported average telematics savings	$328 average annual savings among customers who earn a Snapshot discount	Initial and renewal savings depend on Signal participation and driving results
Loan balance protection	Loan/Lease Payoff, up to 25% of actual cash value in applicable situations	Residual Debt Coverage, up to 25% above actual cash value in applicable policies
New-car replacement	Review available state-specific options	New Car Replacement / Vehicle Replacement Plus in qualifying states
Accident forgiveness	Availability varies by state and policy	One at-fault accident every three years in qualifying policies
Rideshare	Rideshare Coverage	Rideshare & Food Delivery Coverage
Rental transportation	Rental Car Reimbursement	Rental Reimbursement + Rental Alternative / Loss of Use
OEM parts	Custom Parts & Equipment available for qualifying modifications	OEM / New Original Parts coverage available for qualifying vehicles
Deductible program	Deductible Savings Bank	Policy-specific deductible options

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Progressive vs Farmers FAQ

Is Progressive the same company as Farmers?

No. Progressive and Farmers are separate insurance companies with different products, coverage options, discounts and telematics programs.

Does Farmers have a program similar to Progressive Snapshot?

Yes. Farmers offers Signal, a smartphone-based usage-based insurance program that evaluates driving behavior and can provide an initial discount and possible renewal savings.

How does Snapshot compare with Farmers Signal?

Both programs use driving data to personalize insurance pricing. Progressive Snapshot can consider factors such as hard braking, acceleration, time of day and mileage, while Farmers Signal evaluates driving behavior including focused driving, hard braking, time of day and total mileage. Phone use can also be considered.

How much can Progressive Snapshot save?

Progressive currently reports an average $164 participation discount for eligible new customers and an average $328 annual savings among customers who earn a Snapshot discount. Actual savings vary by state and individual driving behavior.

Can Farmers Signal increase my insurance premium?

Yes. Farmers states that riskier driving behavior reflected by Signal can result in a higher renewal premium, depending on the applicable program and policy.

Does Progressive offer GAP insurance?

Progressive offers Loan/Lease Payoff coverage rather than traditional GAP insurance. It can help cover the difference between a vehicle’s value and the amount owed, up to the applicable coverage limit.

Does Farmers offer GAP insurance?

Yes. Farmers offers Gap Insurance / Residual Debt Coverage for qualifying vehicles. Farmers states that the coverage can pay up to 25% above the vehicle’s actual cash value in applicable policies.

Does Farmers offer new car replacement?

Yes. Farmers offers New Car Replacement or Vehicle Replacement Plus in qualifying states and policies. Farmers Smart Plan information describes new-car replacement for qualifying vehicles within the first two model years and 24,000 miles.

Does Farmers offer accident forgiveness?

Yes. Farmers offers Accident Forgiveness in qualifying states and policies and states that one at-fault accident can be forgiven every three years when the applicable coverage is included.

Does Progressive offer rideshare insurance?

Yes. Progressive offers rideshare coverage that can help fill gaps when drivers are logged into a rideshare or delivery platform and waiting for a trip or delivery request.

Does Farmers offer rideshare insurance?

Yes. Farmers offers rideshare and food-delivery coverage in qualifying states for drivers using services such as Uber and Lyft.

Which company offers rental car coverage?

Both Progressive and Farmers offer rental-related coverage. Farmers additionally offers a Rental Alternative / Loss of Use option in qualifying policies that can provide a daily stipend for transportation expenses.

Which company offers roadside assistance?

Both Progressive and Farmers offer roadside assistance options. Services, limits and eligibility depend on the policy and state.

Can Progressive and Farmers quotes be compared directly?

Yes. For a meaningful comparison, use the same vehicle, drivers, liability limits, deductibles and optional coverages. Premiums can vary significantly based on state, driving record, vehicle, location, coverage selections and other rating factors.

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Related Car Insurance Comparisons

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“` Disclaimer: This page is provided for informational and comparison purposes only and does not constitute an insurance quote, recommendation, legal advice or financial advice. Coverage, premiums, discounts, eligibility, limits, underwriting requirements and program availability can vary by state, vehicle, driver, policy and individual circumstances. Progressive and Farmers may change products, prices and program terms over time. Always review the current policy documents and terms applicable in your state before purchasing insurance. “`