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Who has cheaper rates than Geico?
Pare down your car insurance premium while scoring savings for safety.
You might recognize this top provider for low rates and a memorable mascot. Prices may not be as low with other providers, but some offer low-cost coverage with other benefits to give you the most bang for your buck. Consider the prices of other cheap providers’ coverage, including standard and optional protection you might need.
- Low average annual rates
- Accident forgiveness
- Mechanical breakdown coverage
- Up to 40% off with some discounts
- Customer service mostly online
- Few local agents
- Many negative Better Business Bureau reviews
Which providers are similar to Geico?
Another provider comparable to Geico who offers top-notch online service, Esurance dips its premiums almost as low as Geico’s average, and may go lower based on your specific driving factors. However, the company might not have the flexible pay schedule you need.
- Competitive rates
- Steep safety discounts
- Helpful add-ons, like customized parts
- Easy-to-use online tools and account management
- Lacks personalized customer service
- Hidden billing fees
- Automatic payments required
Both Progressive and Geico are top customer choices, each holding high market share. But Progressive stands out with a customer-first mindset, providing coverage and pricing tools that find the best coverage for your budget.
- Top provider in the market
- Steep safety discounts
- Transparent pricing tools
- Helpful add-ons like custom parts or pet injuries
- Many BBB complaints
- Higher rates than competitors
- Six-month policies
Similar to Geico, this company has stellar coverage if you live inside its limited service area. Coverage options include reimbursement for food and lodging or a package with extra personal belongings coverage. Plus, find a long list of discounts to qualify for.
- Wide coverage, like trip interruption or diminished car value
- Local agents
- Positive claims satisfaction
- Steep safe driver rewards
- Only available in 26 states
- No online quotes
- No online claims
Who has cheaper insurance than Geico?
Geico typically has the cheapest car insurance among top national providers. But Progressive, USAA and Esurance can sometimes outdo Geico’s low rates.
Keep in mind that your premium depends on your driving record, car, location, age and coverage.
Get the best value for you by considering these cheap alternatives:
|Geico||Cheapest overall policies||$1,391|
|USAA||Best value for military||$1,399|
|Esurance||Best value for online policies||$1,478|
|Kemper Direct||Best value for policy packages||$1,723|
|Progressive||Best value for safe drivers||$1,724|
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Which providers also have accident forgiveness?
As a benefit of your safety history, some providers won’t increase your premium after a mishap even when the accident is your fault. You typically qualify for accident forgiveness after three to five years without a claim.
Providers who offer accident forgiveness:
- Liberty Mutual
- State Farm
- The Hartford
Geico has some of the cheapest policies around. But consider other low-cost car insurers to make sure you’re getting the value and coverage you need.
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