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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?


Included Free
Roadside assistance

New car protection

Accident forgiveness
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
States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin
Roadside assistance Included free
Pay schedule 12 months, monthly
Claims methods Online, Phone, In-person
New car protection Yes
Accident forgiveness No


Roadside assistance

New car protection

Accident forgiveness
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
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes


Included Free
Roadside assistance

New car protection

Accident forgiveness
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
States served Alabama, Arizona, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Wisconsin
Roadside assistance Included free
Pay schedule 12 months, custom
Claims methods online
New car protection No
Accident forgiveness Yes

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:

GeicoCheapest overall policies$115.91
USAABest value for military$116.58
EsuranceBest value for online policies$123.16
Kemper DirectBest value for policy packages$143.58
ProgressiveBest value for safe drivers$143.66

Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

Compare up to 4 providers

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:

  • Allstate
  • Amica
  • Auto-Owners
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • State Farm
  • The Hartford
  • Travelers

Bottom line

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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