GEICO vs Progressive Car Insurance

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GEICO or Progressive:
Which Company is Best for You?

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.

 

Compare Progressive vs. GEICO auto insurance rates

 

GEICO vs. Progressive rates by credit level

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 levelGEICO premiumProgressive premium
Very Poor (300-579)$2,720$2,616
Fair (580-669)$2,212$2,157
Good (670-739)$1,804$1,802
Very Good (740-799)$1,490$1,520
Exceptional (800-850)$1,246$1,295

 

GEICO vs. Progressive rates with bad driving records

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. 

CitationGEICO premiumProgressive premium
At-fault accident (damage <$1,000)$2,076$1,969
At-fault accident (damage >$1,000)$2,282$2,240
DUI$2,632$2,900
Reckless driving$2,257$2,830
None$1,417$1,458

 

 

GEICO vs. Progressive rates by vehicle type

The two companies offer comparable premiums for all vehicle types, although GEICO insures SUVs for $54 per year less than does Progressive.

Green$1,668$1,680
Vehicle typeGEICO premiumProgressive premium
Sedan$1,446$1,508
Van$1,490$1,471
SUV$1,302$1,356
Truck$1,546$1,530
Luxury$2,118$2,127

 

GEICO vs. Progressive rates for teen drivers

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
AgeGEICO 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. 

Discount ComparisonGEICOProgressive
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonGEICOProgressive
Financial StrengthSuperiorSuperior
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOProgressive
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOProgressive
AboutGeico 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 AssistanceYou 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 DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.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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