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Geico vs. Progressive

Geico vs. Progressive: Who has better car insurance?

Our top pick: Progressive

  • 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
Get quotes

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.




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 & DC


Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No
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
Payment schedule
Payment schedule 12 months
6 months
12 months
6 months


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 Yes, Varies by state 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
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Compare Geico vs. 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.





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
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.





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
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

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