Georgia Farm Bureau vs. Progressive: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Georgia Farm Bureau offers less expensive premiums than Progressive
• Georgia Farm Bureau offers more affordable average rates for residents of urban areas
• Progressive offers more affordable prices for drivers with a DUI charge on their record

Georgia Farm Bureau vs. Progressive: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Georgia Farm Bureau or Progressive for your next policy, but which one will save you the most?

Looking at nationwide averages, Georgia Farm Bureau has average rates that are about 20% per month cheaper than those from Progressive.

Even so, that doesn't mean Georgia Farm Bureau will necessarily be more affordable than Progressive for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if Georgia Farm Bureau or Progressive is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Georgia Farm Bureau or Progressive: Average Car Insurance Rates by State

Georgia Farm Bureau and Progressive only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average premiums. For Georgia residents, undefined offers car insurance for undefined a month on average. undefined's average rates come out to be more expensive, at undefined per month.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Georgia Farm Bureau over Progressive.

However, both carriers will lower rates by the time drivers turn 25. For example, average prices for Georgia Farm Bureau policyholders drop almost 50% and Progressive's premiums decrease nearly 70% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Georgia Farm Bureau and Progressive? Georgia Farm Bureau gets the edge, with prices for drivers 65 and older $14 cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically less expensive for married drivers than they are for single drivers? That's because policies for married policyholders normally cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Georgia Farm Bureau is the clear winner for single policyholders, with premiums around $57 per month cheaper than Progressive, on average. But for married couples, that advantage is much less clear - Georgia Farm Bureau offers the cheapest average prices , but the difference is less than $10.

Georgia Farm Bureau vs. Progressive: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they are more likely to file a claim with insurance. Therefore, men tend to get higher rates than women.

On average, women see rates about $2 a month less expensive with Georgia Farm Bureau, and around $5 cheaper with Progressive when compared to their male counterparts.

Looking at overall affordability, Georgia Farm Bureau comes out on top for both men and women. On average, women save about $35 per month and men save about $38 with Georgia Farm Bureau compared to the average Progressive policyholder.

Georgia Farm Bureau or Progressive: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that car insurance can be pretty complicated. There are a variety of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Georgia Farm Bureau generally offers more affordable premiums of $91 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Georgia Farm Bureau again has the edge, with policies around $55 a month less expensive than Progressive, on average.

Is Georgia Farm Bureau or Progressive Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your rates, but is Georgia Farm Bureau or Progressive cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Georgia Farm Bureau insurance policies don't report seeing their premiums increase after getting a ticket, but Progressive policyholders can expect to see their monthly bill increase by.

But Georgia Farm Bureau has more affordable prices for drivers in both categories -- their rates are around 23% less expensive for drivers with clean records and 37% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Georgia Farm Bureau can expect to see about an $19 -- or around 14% -- increase in their auto insurance premiums. Drivers who use Progressive for their insurance will see a monthly bill about $65 (or 30%) more expensive after reporting an accident to their car insurance carrier.

Overall, the more affordable rates come from Georgia Farm Bureau, with monthly prices averaging $133 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. On average, Georgia Farm Bureau will raise your rates around 47% after a DUI, while Progressive's average prices increase by over 15%.

How does Credit Score Impact Georgia Farm Bureau and Progressive Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly car insurance premiums. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for many policyholders.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Georgia Farm Bureau and Progressive specifically, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Georgia Farm Bureau or Progressive Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly rates? Usually, the more miles you put on your car each year, the more you can expect to pay for insurance.

In this case, neither Georgia Farm Bureau or Progressive report increasing premiums for drivers with higher annual mileage figures. Georgia Farm Bureau comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $144 per month for both.

Georgia Farm Bureau vs. Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

When comparing these two companies side-by-side, Georgia Farm Bureau typically comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Georgia Farm Bureau offers prices about $150 monthly compared to Progressive's $207. People who live in suburban ZIP codes can expect to pay around $146 a month for Georgia Farm Bureau and $179 for Progressive. Lastly, those in rural areas tend to get the most affordable premiums from both carriers, with average monthly rates coming in at $136 and $154 for Georgia Farm Bureau and Progressive respectively.

Georgia Farm Bureau vs. Progressive Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've broken down all of the different discounts offered by both Georgia Farm Bureau and Progressive so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Georgia Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 23 more discounts than Georgia Farm Bureau.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good driver, discounts for being a good student, and paid in full discounts. Progressive also offers advance quote discounts, advanced safety feature discounts, agency transfer discounts, and more that Georgia Farm Bureau does not.

On the flip side, Georgia Farm Bureau has a unique discount of its own -- a driver training discounts.

Final Thoughts: Is Georgia Farm Bureau or Progressive Best for You?

You've seen the role certain variables have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which company is the right company for you and your specific profile and needs?

Georgia Farm Bureau might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for more protection with "full coverage" car insurance.
• You have a short commute.

Progressive might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You have a DUI charge on your record.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Georgia Farm Bureau and Progressive and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Georgia Farm Bureau and Progressive. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Georgia Farm Bureau vs. Progressive FAQs

Is Georgia Farm Bureau or Progressive cheaper?

Looking just at the national average premiums, Georgia Farm Bureau is the less expensive of the two carriers, offering average rates of $144 per month compared to $180 for Progressive. However, Georgia Farm Bureau won't necessarily be the lowest company for everyone, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Georgia Farm Bureau or Progressive?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for each driver -- it all depends on what your unique auto insurance profile looks like. For example, Progressive offers cheaper rates for drivers with a recent DUI, while Georgia Farm Bureau is more affordable for drivers with excellent credit.

Why do Georgia Farm Bureau and Progressive offer me different rates?

Insurance companies take a look at a lot of different variables when calculating the prices they charge policyholders. Things like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Georgia Farm Bureau and Progressive calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Georgia Farm Bureau or Progressive is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Georgia Farm Bureau or Progressive at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.