GEICO vs. Progressive: Best Auto Insurance for 2021
When comparing GEICO vs. Progressive auto insurance, GEICO is cheaper overall. However, Progressive offers cheaper auto insurance rates if you are over 35 or have a DUI on your driving record. Although GEICO and Progressive have similar financial ratings, GEICO has a better customer satisfaction rating. To keep rates low, check out Progressive vs. GEICO car insurance discounts.
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UPDATED: May 17, 2021
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- GEICO auto insurance rates are cheaper than Progressive rates unless you are over 35, have a DUI, or have fair credit.
- Although the companies have similar financial ratings, GEICO has better customer service ratings.
- Both companies offer multiple car insurance discounts to help lower rates.
You have many different automobile insurance options, but comparing them side by side will help you narrow down your choices. We'll look at GEICO vs. Progressive auto insurance to see if either is right for you.
We'll compare the pros and cons of each company by looking at rates, discounts, and ratings to see who has the best deals and the most reliable service.
However, you don't have to stop at comparing GEICO vs. Progressive for your auto insurance. Enter your ZIP code now to compare auto insurance quotes from multiple companies near you for free.
Is GEICO auto insurance or Progressive auto insurance cheaper?
Many different factors affect auto insurance rates, such as your age, gender, marital status, driving record, and credit score.
These factors will be used to determine how affordable GEICO vs. Progressive auto insurance is for you. Although both companies provide similar coverage, rates will differ based on your personal circumstances.
First, we'll look at GEICO vs. Progressive auto insurance rates by demographics. We all know that younger drivers pay more for car insurance, so let’s take a closer look at how age affects auto insurance rates.
|Age, Gender, and Marital Status||GEICO Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$5,405.23||$8,625.44|
|Single 17-year-old male||$5,955.63||$9,467.29|
|Single 25-year-old female||$2,312.93||$2,574.87|
|Single 25-year old male||$2,171.06||$2,735.72|
|Married 35-year-old female||$2,253.30||$2,176.32|
|Married 35-year-old male||$2,237.96||$2,087.50|
|Married 60-year-old female||$2,107.40||$1,908.06|
|Married 60-year-old male||$2,188.44||$1,900.18|
GEICO is cheaper for younger drivers, but it becomes the more expensive option once you turn 35.
Perhaps the most important factor auto insurance companies look at is your driving record. Accidents, tickets, or DUIs will cause your rates to skyrocket.
|Driving Record||GEICO Average Annual Rates||Progressive Average Annual Rates|
|With 1 accident||$3,192.77||$4,777.04|
|With 1 DUI||$4,875.87||$3,969.65|
|With 1 speeding violation||$2,645.43||$4,002.28|
GEICO is the cheapest for drivers with a clean driving record, one accident, or one speeding ticket. However, Progressive is cheaper if you have a DUI.
You might be surprised to learn that your credit score can affect your auto insurance rates in most states. Car insurance companies believe that you are less likely to file a claim and more likely to pay for damages out of pocket if you have a higher credit score.
|Credit History||GEICO Average Annual Rates||Progressive Average Annual Rates|
GEICO is the cheaper option if you have good or bad credit, but Progressive has lower rates on average if you have fair credit.
It should be noted that some states, like California, don't allow insurance companies to use gender or credit score when calculating rates.
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Does GEICO or Progressive have better auto insurance discounts?
Car insurance discounts — such as the multi-car or good student discounts — can significantly lower your rates.
This table shows the GEICO and Progressive discounts that are available. If the discount amount is known, that information is included. Take a look and see which company offers the best deals for you.
|Auto Insurance Discounts||GEICO (%)||Progressive (%)|
|Adaptive Cruise Control||N/A||x|
|Daytime Running Lights||1||x|
|Electronic Stability Control||N/A||x|
|Forward Collision Warning||N/A||x|
|Lane Departure Warning||N/A||x|
|Seat Belt Use||15||N/A|
|Students & Alumni||x||N/A|
Although the two companies offer many of the same discounts, there are some differences. For example, GEICO offers a federal employee discount and Progressive doesn't. On the other hand, Progressive offers a discount for going paperless, and GEICO doesn't.
As you compare GEICO vs. Progressive auto insurance quotes, be sure to ask for any discounts you may be eligible for.
How does GEICO vs. Progressive compare in financial strength and customer satisfaction?
Companies are ranked by A.M. Best based on their financial stability. GEICO was given an A++ rating, while Progressive was given an A+, indicating that both companies have a superior ability to meet their obligations.
Although both companies also received an A+ rating from the Better Business Bureau, GEICO is accredited while Progressive is not.
J.D. Power rated Progressive vs. GEICO on customer satisfaction, taking into account pricing, billing, claims, and what’s available from each company. In every region, GEICO outperformed Progressive.
Both companies offer easy-to-use websites and mobile apps that allow customers to access their accounts at any time. You can also get a Progressive or GEICO quote online.
GEICO and Progressive also offer additional services and products, such as roadside assistance and renters insurance. Read our GEICO review and Progressive insurance review for more information on these companies.
Don't limit your comparison shopping to GEICO vs. Progressive auto insurance exclusively. Enter your ZIP code to compare quotes from multiple companies near you for free.