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In an effort to make insurance policy comparison easy, we've gathered average rates from Progressive and GEICO. These cover common pricing components, including credit score, driving history and driver age. Check out the below insurance rate comparisons in order to make an informed, data-driven choice of car insurance.
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If you have very poor credit, GEICO could be preferable to Progressive. On average, GEICO offers cheaper rates than Progressive for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should opt for GEICO, which typically beats Progressive by $256 annually. Check out average insurance costs by credit level for Progressive and GEICO:
|Credit level||GEICO avg. annual premium||Progressive avg. annual premium|
|Very Poor (300-579)||$2,051||$3,602|
|Very Good (740-799)||$1,120||$1,453|
If you're saddled with an at-fault collision, ticket, reckless driving violation, or DUI on your driving résumé, GEICO could be a better choice for insurance coverage than Progressive. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to figure out which insurer is best for you.
|Infraction||GEICO avg. annual premium||Progressive avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$2,720|
|At-fault accident (damage > $1,000)||$1,580||$2,245|
Car insurance companies use a driver's age to indicate risk, assigning rates accordingly. Car insurance is often priciest for teen drivers — due to their inexperience — and relatively affordable for older drivers. Since every insurance company evaluates ages in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose GEICO instead of Progressive when insurance shopping: GEICO offers average yearly savings of $4,740 versus Progressive.
|Age bracket||GEICO avg. annual premium||Progressive avg. annual premium|
Finances aside, each of these auto insurance companies comes with pros and cons, including their customer satisfaction ratings, discount programs, add-ons and financial stability. Make an informed insurance comparison decision by getting quotes before purchasing a policy.
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|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.||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.|
|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, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, 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. Moreover, the company 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.|
|Recent Questions||What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?|
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.Will a hit and run impact my car insurance premium in CA?
Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.See More Questions
|Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.See More Questions
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