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Who has cheaper rates than Geico?

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

Updated

Fact checked

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 companies are similar to Geico?

Esurance

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

Progressive

Optional
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

Auto-Owners

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:

Company Benefit Average
Geico Cheapest overall policies $115.91
USAA Best value for military $116.58
Esurance Best value for online policies $123.16
Kemper Direct Best value for policy packages $143.58
Progressive Best value for safe drivers $143.66

Which companies 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

Compare car insurance like Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
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.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
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.
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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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