Who has cheaper rates than Geico?

Pare down your car insurance premium while scoring savings for safety.

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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.

Pros

  • Low average annual rates
  • Accident forgiveness
  • Mechanical breakdown coverage
  • Up to 40% off with some discounts

Cons

  • Customer service mostly online
  • Few local agents
  • Many negative Better Business Bureau reviews

Which providers are similar to Geico?

Esurance

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.

Pros

  • Competitive rates
  • Steep safety discounts
  • Helpful add-ons, like customized parts
  • Easy-to-use online tools and account management

Cons

  • Lacks personalized customer service
  • Hidden billing fees
  • Automatic payments required

Progressive

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.

Pros

  • Top provider in the market
  • Steep safety discounts
  • Transparent pricing tools
  • Helpful add-ons like custom parts or pet injuries

Cons

  • Many BBB complaints
  • Higher rates than competitors
  • Six-month policies

Auto-owners

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.

Pros

  • Wide coverage, like trip interruption or diminished car value
  • Local agents
  • Positive claims satisfaction
  • Steep safe driver rewards

Cons

  • 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:

Company Benefit Average
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

Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

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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