Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico rates are usually lower overall, but Progressive tends to offer better prices to those with a recent DUI, at-fault accident, or speeding ticket on their driving record. Many or all of the products shown here are from our partners who compensate us. This can influence the products we write about and where and how the product appears on a page.
However, this does not influence our evaluations. Here is a list of our partners and this is how we make money. Millions of Drivers Choose Geico or Progressive for Auto Insurance. They are two of the largest auto insurance companies in the U.S.
UU. But Progressive and Geico take different approaches to offering car insurance, so which one you should choose depends on what is most important to you. Progressive works with thousands of agents, while Geico does business primarily online or over the phone. Geico often beats Progressive rates, but not for all drivers or in every state.
Both have long but different lists of coverage options to customize policies. To find out which one is best for you, take a look at how the two companies compare. Easily compare personalized rates to see how much changing car insurance could save you. If price is your main concern, Geico likely has the upper hand, but it depends on where you live.
These are averages and your own rates will be different. For example, in New York and Montana, Progressive was cheaper than Geico, on average, for full coverage, unless the driver had poor credit. Geico was generally cheaper than Progressive for drivers with bad credit in every state except Maryland. Since rates vary greatly depending on your circumstances, it's important to get auto insurance quotes from both companies to find out if Progressive or Geico are the cheapest for you.
These are the average annual rates we found for total coverage for four driver profiles, plus the minimum coverage rates for good drivers with good credit. Driver in a recent at-fault accident, Geico and Progressive each scored 4.5 stars in NerdWallet ratings from top car insurance companies. Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners. Customers report having a better experience with Geico than with Progressive, both when looking for insurance and after an insurance claim, according to J, D.
Deficit insurance, which covers what you owe on a vehicle, minus the deductible, if your car is destroyed or stolen, and your regular coverage is not enough to pay off the loan. Custom parts and equipment insurance, which repairs or replaces items you add to your car, such as a stereo. Geico, on the other hand, offers coverage of mechanical breakdowns, which is not available on Progressive. Yes, in all states except California and North Carolina Insurance for other vehicles (motorcycles, RVs, boats) Yes, read our Geico homeowners insurance review Yes, read our progressive renters insurance review Yes, read our Geico renters insurance review Yes, read our review of progressive renters insurance Yes (through the National Flood Insurance Program) Yes (through partners in some cases) Both Geico and Progressive have websites and mobile apps where drivers can manage their car insurance policy online.
Mobile apps also allow you to pay premiums, get ID cards, request roadside assistance, and upload damage photos. DriveEasy application for Geico's usage-based program, which uses technology to track your driving behavior and reduce or increase your fare. Vehicle care, which alerts you when your car needs maintenance. Voice support via Google Home, Google Assistant or Amazon Alexa.
Find a Ride, which allows you to use the Geico mobile app to connect with a Lyft driver. Name your price, which helps you find a policy that fits your budget. The Snapshot mobile application for the Progressive usage-based insurance program. The app can give you details about your trips and your driving behavior.
Virtual assistance through Google Home or through Progressive's Flo Chatbot, a Facebook Messenger application. In our analysis, “good drivers had no record of traffic violations; a “good driving” discount was included for this profile. Our “good” and “bad” credit rates are based on credit rating approximations and do not take into account the proprietary rating criteria used by insurance providers. These are average rates and your rate will vary depending on your personal data, the state and the insurance provider.
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by state law. We changed the credit level from “good” to “bad” as reported to the insurer to see the rates of drivers with bad credit. In four states (CA, HI, MA, MI) where insurers are legally prohibited from using credit to set rates, our rates for good credit and bad credit are identical. AUTO INSURANCE RATINGS METHODOLOGY Instantly compare top companies.
We compared a variety of GEICO and Progressive insurance products and found that Progressive is the top insurer in most categories. Progressive has more coverage options and more discounts overall. However, many consumers will find that GEICO policies are cheaper, although coverage is limited. Geico and Progressive are the top auto insurance companies with policies available.
If you're buying car insurance, you'll probably want to check out Geico and Progressive to see if any of them better fit your situation and budget. We looked at Geico and Progressive rates, coverage features, and discounts to give you an overview of what each has for and against. Geico is on the first level of our ratings with a 5-star rating. The strength of the company lies mainly in its competitive rates for many types of drivers and its low level of complaints.
On the other hand, Geico doesn't offer as many coverage features as Progressive and other companies. Progressive received only 3.5 stars in our review. One of the strengths of Progressive is its highly readable website. This is vital if you're trying to eliminate insurance jargon and understand what a policy actually covers.
However, a major weakness is Progressive's car insurance rates, which are higher for most types of drivers. Geico's average domestic fares are cheaper than Progressive for almost all types of drivers. Progressive's bright spot is getting cheaper for drivers with a DUI conviction on their driving records. Geico and Progressive offer all the standard coverages that drivers look for in an auto insurance policy, such as liability insurance and comprehensive and collision coverage.
But there are additional features and additional coverages that can differentiate a company. Progressive offers more of these extras to drivers compared to Geico. Geico and Progressive have complaint levels that are lower than the industry average, according to data from the National Association of Insurance Commissioners. Geico has a slightly lower level of complaints than Progressive.
Auto insurance complaints about Geico and Progressive primarily concern claims management, including delays and settlement offers. To evaluate how Geico and Progressive respond to complaints, we reviewed the ratings of the CRASH network. The CRASH network conducts surveys of collision repair professionals dealing with insurance companies, so that they have information about the service and claims processes of the companies. You can see what procedures prevent the repair process and if someone tries to cut corners.
Geico and Progressive offer a variety of car insurance discounts to help lower the cost you pay for insurance. Geico and Progressive are national car insurance companies that can meet the needs of many drivers, but when comparing face-to-face, Geico stands out if price is what matters most to you. Geico stands out for its cheaper average car insurance rates for a variety of driver types, while rates for Progressive are less competitive, on average, for most drivers. If additional coverages and additional coverage features are important, Progressive has more to offer in that area.
Geico and Progressive have similar ratings for their claims processes, and both have low levels of complaints. If you're comparing car insurance, it's worth taking a look at both companies, but if the cost is king, Geico is likely to be the one who wears the crown. GEICO typically offers cheaper car insurance policies than Progressive, making it a great option for customers on a budget. GEICO also slightly outperforms Progressive in overall customer satisfaction, although Progressive receives fewer complaints.
While Progressive offers lower rates for high-risk drivers, Geico boasts slightly higher customer satisfaction and offers lower insurance rates for most. ValuePenguin then compares the cost of car insurance from State Farm, Geico, Allstate, Progressive and Farmers for different types of people, including those looking for policies with lower limits, those with an accident, those with bad credit, and teenage drivers. Both Geico and Progressive have websites and mobile apps where drivers can manage their car insurance policy online. While Farmers has the most ways to improve an auto insurance policy, users who are financing their vehicles may find that the deficit insurance offered by Progressive offers more comprehensive coverage.
Both Geico and Progressive offer usage-based insurance programs that monitor your driving behavior for a potential discount. If you suffer a loss, Progressive and GEICO allow policyholders to file a new insurance claim over the phone, through the online form and in the mobile app. Both Progressive and Geico are leaders in the auto insurance industry, but each has its own advantages and disadvantages. Allstate quoted drivers with bad credit with rates that were only 19% higher than Progressive, while the cost of auto insurance for young drivers is only 9% more expensive on Allstate.