Progressive vs. Geico Car Insurance: Which Is Better for You?
Between Progressive and Geico, Geico offers cheaper car insurance rates for most drivers at an average rate of $1,937 for a full-coverage policy and $727 for a liability-coverage policy. We reviewed Progressive and Geico’s rates, customer service, coverages and discounts to find out how they stack up against each other.
Progressive vs. Geico: Which is better for car insurance?
Geico and Progressive are both established nationwide car insurance companies that offer many different types of policies. Geico is the better option for most drivers due to lower rates and higher savings on discounts. However, Progressive may be a better option for you depending on your driving record, the coverages you want and the discounts you qualify for.
Geico
Pros
Geico offers cheaper rates for both full-coverage and liability-coverage policies.
Geico offers cheaper rates if you have a ticket on your record and if you’re a teen driver.
Cons
Geico offers few optional coverages for car insurance.
Progressive
Pros
Progressive offers low rates if you have a DUI or an accident on your record.
Progressive offers a variety of discounts that are easy to qualify for.
Cons
Progressive has high rates if you’re a teen driver.
Progressive has low customer service scores from companies like J.D. Power.
Is Geico cheaper than Progressive?
Geico and Progressive are similarly priced for full-coverage and liability-coverage policies if you have a clean driving record. However, Geico slightly bests Progressive in terms of pricing.
Cheapest quotes for most drivers: Geico
Geico charges slightly cheaper rates if you have a clean record. Geico offers quotes that average $1,937 annually for a full-coverage policy and $727 for a liability policy. Both Geico and Progressive offer quotes at average rates that are close to the national average rate.
| Company | Full coverage | Liability coverage |
|---|---|---|
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| National average | $1,972 | $773 |
Cheapest quotes for a bad driving record: Progressive
Traffic violations can cause your car insurance rates to go up a lot depending on the type of violation.
Progressive offers cheaper quotes if you have an accident or a DUI on your record. Geico offers cheaper quotes if you have a ticket. Both companies, however, have average rates that are higher than the national average for a ticket or accident on your record.
| Company | Ticket | Accident | DUI |
|---|---|---|---|
| Geico | $2,493 | $3,341 | $4,584 |
| Progressive | $2,606 | $3,026 | $2,547 |
| National average | $2,427 | $2,930 | $3,626 |
Cheapest quotes for teens: Geico
If you’re a teen, your car insurance rate will most likely be higher than an adult driver. This is due to the lack of driving experience and a higher chance of being in an accident.
However, Geico offers affordable rates for teens that are lower than the national average.
| Company | Full coverage | Liability coverage | Ticket | Accident |
|---|---|---|---|---|
| Geico | $5,048 | $2,044 | $2,429 | $2,922 |
| Progressive | $8,495 | $3,193 | $3,397 | $3,630 |
| National average | $5,824 | $2,433 | $2,847 | $3,237 |
Progressive vs. Geico: Best customer support
Overall, Geico offers better customer support than Progressive. Geico has higher overall satisfaction scores than Progressive, according to J.D. Power’s 2023 Auto Insurance Study. J.D. Power surveys customers on the billing process, policy information, claims, interaction, policy offerings and price of insurance companies.
Both Progressive and Geico have below-average customer service ratings from the NAIC, which measures complaints by comparing the amount of complaints a company receives to the size of the company in the U.S. market.
Progressive vs. Geico: Best car insurance coverage
Progressive has a variety of optional coverages, some of which are uncommon. Progressive’s custom parts and equipment value coverage helps to repair or replace custom parts and equipment usually up to $5,000.
Progressive also offers vehicle protection coverage, which protects a newer car’s major systems if damaged due to a non-accident incident. This coverage also covers minor dents, as well as lost, stolen or damaged keys.
While Geico offers all the standard car insurance coverages you would expect, it has only a few optional coverages. Roadside assistance and mechanical breakdown insurance are two examples.
| Coverage type | Geico | Progressive |
|---|---|---|
| Loan/lease payoff | ||
| Rental car reimbursement | ||
| Roadside assistance | ||
| Trip interruption | ||
| Vehicle protection | ||
| Custom parts and equipment | ||
| Rideshare | ||
| Mechanical Breakdown |
Progressive vs. Geico: Best car insurance discounts
Geico offers a few more discounts than Progressive. However, Progressive offers discounts that are easy to qualify for, such as discounts based on how you get a quote and buy insurance. Progressive’s Snapshot program rewards good drivers by offering cheaper rates and offers personalized car insurance rates based on your driving habits and the amount you drive.
| Discount | Geico | Progressive |
|---|---|---|
| Multi-policy | ||
| Air-bag | ||
| Anti-lock | ||
| Anti-theft | ||
| Multi-car | ||
| Safe/good driver | ||
| Good student | ||
| Teen driver | ||
| Away at school | ||
| Federal employee | ||
| Online quote | ||
| Sign online | ||
| Paperless | ||
| Pay in full | ||
| Automatic payment | ||
| New car | ||
| Military | ||
| Membership and employee | ||
| Daytime running lights |
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers. Your rates may vary.
Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.
For full-coverage policies, the following coverage limits were used:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible