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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.
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
Available states
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
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
Available states
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
Payment schedule
12 months, custom
New car protection
Claims method
online
Accident forgiveness
Yes
New car protection coverage
No
Roadside assistance
Included free
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
We compared rates from these four Geico competitors by averaging the annual premiums using the same California driver profile from all zip codes in the state. Our driver profile:
Male driver
26-30 years old
Married
Good credit
2017 Toyota Camry LE
$100/$300 liability
$100,000 property damage
$25/$50 uninsured motorist bodily injury
$100/$300 underinsured motorist bodily injury
50,000 personal injury protection
50,000 personal injury protection medical
$100 personal injury protection deductible
$500 comprehensive
$500 collision coverage
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
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.
Sarah George is a personal finance writer at Finder who’s spent the last four years wielding her digital pen on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance.
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