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Geico vs. Progressive

Geico vs. Progressive: Who has better car insurance?

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Fact checked

Both Geico and Progressive are known for low car insurance rates, especially for those with a spotty driving history. In our independent analysis, both offer comparable rates within $20 per month or $240 per year for most drivers. However, Progressive offered slightly cheaper rates for drivers under 25 — on average $108 less per month.

Choosing between Geico and Progressive can be a toss-up. Progressive offers a few more optional types of coverage and a telematics program if that’s what you’re looking for. But Geico’s well-known low rates for its standard coverage could serve your budget best if your quote comes in lower overall. It’s best to get quotes and compare the benefits that attract you to either company.

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.

  • Top-rated insurer with 80 years of experience.
  • Easy online sign-up and reporting.
  • Multiple discounts available.
  • Transparent quoting.
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save
 

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

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.
Clearcover
Optional
Yes
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
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.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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