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GEICO vs. Allstate vs. Progressive: which car insurance is best?
GEICO, Allstate, and Progressive are among America's most popular car insurance companies, boasting brand recognition and substantial client bases. Despite their similar size, the three insurers have their differences — most notably in the way they price policies and the discount programs they provide. Let's dive into the details and compare Allstate, GEICO and Progressive.
Table of contents:
- Rates after an accident
- Rates for teen drivers
- Rates for various vehicles
- Rates by driver credit level
- Additional coverage options
GEICO vs. Allstate vs. Progressive: which is best after a crash?
Filing a claim is an inevitable part of carrying car insurance. A claim can have a lasting impact on your car insurance premium. Our data show Progressive is the cheapest of the three major insurers if you have an at-fault accident on your record. If you're claim-free, GEICO could be the most affordable option.
|Company||Six-Month Premium After an At-Fault Accident|
The three insurers offer fairly competitive rates after an at-fault accident. Based on our user profile, Progressive is the cheapest company after a collision claim.
Compare car insurance policies today!
GEICO vs. Allstate vs. Progressive: cheapest car insurance for young drivers
Adding a child to your car insurance policy — regardless of your carrier — is going to be expensive. Given teens' lack of driving experience, most car insurance companies see them as claims payouts waiting to happen. It’s important to shop as carefully as possible to see which insurance company can give you the cheapest rate for your new driver.
|Company||Six-Month Premium with Teen Driver|
While Progressive is the cheapest car insurance company after a claim, GEICO is the cheapest for adding a teen driver. For the methodology of these rates, see here.
GEICO vs. Allstate vs. Progressive: car insurance comparison by vehicle type
Your premium can change significantly based on the vehicle you drive. Looking at the overall average of car insurance premiums by types, luxury vehicles are the most expensive.
|Vehicle Type||GEICO Six-Month Premium||Progressive Six-Month Premium||Allstate Six-Month Premium|
Below are the cheapest companies for each vehicle type:
- Hybrid/EV: GEICO
- Sedan: Allstate
- Van: Progressive
- SUV: Allstate
- Truck: Progressive
- Luxury: GEICO
Reference the below resources to find the best rates for your vehicle:
- Best pickup truck insurance rates
- Best sedan insurance rates
- Best EV and hybrid insurance rates
- Best luxury car insurance
Allstate vs. GEICO vs. Progressive: best car insurance for good and bad credit
Your credit score has a major impact on your car insurance rates. Historical data show drivers with poor credit tend to file more claims than do drivers with great credit, so insurers charge drivers with poor credit higher car insurance premiums. Car insurance with bad credit can cost approximately $100 more per month, no matter which of these three insurers you choose.
|Credit Level||GEICO Six-Month Premium||Progressive Six-Month Premium||Allstate Six-Month Premium|
|Very Poor (300-579)||$1,360||$1,308||$1,457|
|Very Good (740-799)||$745||$760||$824|
Progressive is the cheapest insurance company if you have bad credit, whereas GEICO provides the most affordable rates for drivers with good credit.
- Very Poor: Progressive
- Fair: Progressive
- Good: Progressive
- Very Good: GEICO
- Exceptional: GEICO
GEICO vs. Progressive vs. Allstate: discount comparison
While GEICO, Allstate, and Progressive each covers basic coverage options, the additional coverage options and discounts offered by each vary. Below is a breakdown of common discounts and their availability via specified companies.
|Good Student Discount||Yes||Yes||Yes|
|Good Driver Discount||Yes||Yes||Yes|
|Defensive Driver Discount||Yes||Yes||Yes|
|Green Car Discount||Yes|
|eSign or ePay Bonus||Yes|
|New Car Discount||Yes|
|Driver Education Discount||Yes||Yes||Yes|
If you’re looking for rideshare insurance, you can find this policy through all three insurers (subject to state availability). A rideshare endorsement is what you'll need to add to your current car insurance policy in order to drive for Uber or Lyft.
Which insurer is best for you?
Because there are so many aspects of your insurability profile unique to you, this answer may vary. Use this data as a jumping off point — enter your zip code below to find the policy for you.
Compare rates from top insurance companies.
We randomly selected five zip codes in five different areas across the US and compared rates from top insurance companiese. Here are the ZIP codes selected:
- Columbus, OH - 43216
- McKinney, TX - 75070
- Fresno, CA - 75070
- Scranton, PA - 93722
- Aurora, CO - 80013
With that created, we decided to get the male and female teen two parents with two vehicles in order to create a base to build the teenage driver profiles from. This is the information we chose to use:
- Parent's DOB: 08/01/1960
- Mother's Vehicle: 2015 Toyota Sienna LE, owned, 12,000/year
- Father's Vehicle: 2015 Toyota Crewmax, owned, driving 12,000/year
- Driving Record: no accidents or citation
- Education: BA
- Licensed at: 16
- Occupation: Manager Level - Accounting
- Insurance History: Max amount selectable of previous years with insurance company, limits at 100/300/100
Next, we needed to create the profile of the teen drivers; one that is female and male. Here is the information:
- Teen's DOB: 08/01/2000
- Teen's: 2015 Toyota Carmy, owned, 12,000/year
- Driving Record: no accidents or citation
- Education: Above B Above
- Licensed at: 17
- Occupation: None
Methodology for All Other Rates Generated
Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.
Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.
National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.
For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales, according to Goodcarbadcar.net’s automakers’ data.
Finally, some rate data may vary slightly throughout report based on rounding.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.