GEICO vs. Progressive

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GEICO or Progressive:
which auto insurance company is better?

Selecting an auto insurance company can be tough: rates may vary based on your driving record, age and location, and every company's discounts vary. GEICO and Progressive are two of the most popular auto insurance companies, providing competitively priced insurance coverage across most of the U.S.

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.

Want to find out more? Read our unbiased, comprehensive insurance provider reviews:

 

Car insurance rate comparison: GEICO vs. Progressive

 

GEICO vs. Progressive: auto insurance policy pricing by credit score

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:

 

RATES BY CREDIT SCORE: PROGRESSIVE VS. GEICO
Credit levelGEICO avg. annual premiumProgressive avg. annual premium
Very Poor (300-579)$2,051$3,602
Fair (580-669)$1,358$2,127
Good (670-739)$1,485$1,708
Very Good (740-799)$1,120$1,453
Exceptional (800-850)$1,064$1,320

 

GEICO vs. Progressive: insurance rates for bad drivers

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.

 

RATES BY DRIVING VIOLATION: PROGRESSIVE VS. GEICO
InfractionGEICO avg. annual premiumProgressive avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,720
At-fault accident (damage > $1,000)$1,580$2,245
DUI/DWI$2,550$2,201
Reckless driving$2,238$2,457
Speeding ticket$1,395$2,091

 

GEICO vs. Progressive: insurance rates by driver age

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.

 

RATES BY AGE: PROGRESSIVE VS. GEICO
Age bracketGEICO avg. annual premiumProgressive avg. annual premium
Teens$3,508$8,248
20s$1,438$2,287
30s$1,218$2,287
40s$1,189$1,644
50s$1,160$1,542
60s$1,065$1,403

 

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.

Learn more about America's best car insurance companies

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 Strength SuperiorSuperior
JD Power Rankings Above averageBelow average
User Satisfaction 4.4/54.4/5
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.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 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, 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 DiscountsGEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. 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 QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
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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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About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: