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Geico vs. Progressive

Geico vs. Progressive: Who has better car insurance?

Updated . What changed?

Fact checked

The choice between Geico vs. Progressive comes down to cheap rates or coverage. Geico offers an average rate of $1,102 per year, while Progressive may cost only $20 or so more. In the end, you might choose Geico for the cheapest rates, or Progressive because it offers over a dozen coverage options along with accident forgiveness.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership
 

Geico

Progressive

OVERVIEW

OVERVIEW
About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Agent
online
phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
6 months

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No Yes
Military discount
Military discount Yes, up to 15% Yes
Multi car discount
Multi car discount Yes, up to 25% Yes, up to 10%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Varies Yes
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Compare Geico vs. Progressive

Geico

Geico

Progressive

Progressive

PricePolicy costs depend your personal situation. Visit Geico for a quote based on your specific needs.Policy costs depend your personal situation. Visit Progressive for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*N/AA+
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

Driver discounts

Looking for driver discounts is a great way to save money on your car insurance. Compare the discounts offered for students, military and federal employees.

Geico

Geico

Progressive

Progressive

Good student15% — must be a full time student, between 16–24 years old with at least a 3.0 GPAAmount varies — must have at least a 3.0 GPA and be younger than 22. Additional discount if 100+ miles away at school
Defensive driver
Good driverUp to 26% — must be 5 years accident-free31% — no tickets or accidents in the last 3 years
Pay in full
Homeowner
MilitaryUp to 15% — must be active duty, retired or member of the National Guard or Reserves
Federal employeeUp to 8%
Emergency deploymentUp to 25% — must be a member of the Enduring Freedom or Iraqi Freedom operational forces

Vehicle discounts

Car insurance can be expensive. The safety features on your car counts when it comes to lowering your insurance rates.

Geico

Geico

Progressive

Progressive

Anti-theft deviceUp to 25% — comprehensive
Anti-lock brake5% — collision portion of premium
Passive restraintsN/A
Multi-car discountUp to 25%10%
Air BagUp to 25% — driver-side airbags

40% — full-front seat airbag for medical payments or personal injury

* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S. Auto Claims Satisfaction Study[/fin_hide]

Bottom line

If you’re looking to customize your insurance plan, picking only the coverage you need to get the price you want, Progressive is the way to go. However, if you’re in the military or a public employee, you may qualify for additional discounts with Geico.

Both Geico and Progressive have the experience and customer service you likely want from a car insurance company. But before making a decision about car insurance, always compare your options to find a provider that’s right for you.

Compare alternatives to Geico and Progressive

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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
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.
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.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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