GEICO and Progressive are two of the largest car insurance companies, carrying A+ financial strength ratings from AM Best, and offering 24/7 customer service and claims reporting. When you compare Progressive and GEICO car insurance, consider the rates each carrier typically offers drivers based on rating factors like credit rating, driving history, age, and vehicle type.
While Progressive is $104 cheaper annually than GEICO for drivers with very poor credit, GEICO’s rates for drivers with exceptional credit are $49 per year less than Progressive’s.
|Credit level||GEICO premium||Progressive premium|
|Very Poor (300-579)||$2,720||$2,616|
|Very Good (740-799)||$1,490||$1,520|
If you have a reckless driving or DUI citation on your record, GEICO may be cheaper than Progressive by as much as $573 per year. If your driving record is clean, the companies' average premiums are similar.
|Citation||GEICO premium||Progressive premium|
|At-fault accident (damage <$1,000)||$2,076||$1,969|
|At-fault accident (damage >$1,000)||$2,282||$2,240|
The two companies offer comparable premiums for all vehicle types, although GEICO insures SUVs for $54 per year less than does Progressive.
|Vehicle type||GEICO premium||Progressive premium|
Teen drivers should choose GEICO over Progressive: GEICO’s average 6-month policy for a 17-year-old is $244 less expensive than Progressive’s premium.
|17 years old||$987||$1,231|
|Age||GEICO premium (6-mo.)||Progressive premium 6-mo.)|
Aside from affordability, there are myriad pros and cons of Progressive's and GEICO's offerings, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Geico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.||Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.|
|Roadside Assistance||You can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.||Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.|
|Additional Discounts||Geico offers an additional discount for vehicles with daytime running lights.||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.|
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|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|