GEICO vs. Progressive Car Insurance (2021)

GEICO and Progressive are two of the top car insurance companies in the U.S. Progressive auto insurance rates are $68 more a month than GEICO auto insurance. However, both GEICO and Progressive car insurance rates vary by person. Age, gender, marital status, credit score, and driving record can all make a difference in GEICO vs. Progressive car insurance rates. Compare GEICO vs. Progressive car insurance quotes to see which is best for you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 30, 2021

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The Highlights

  • GEICO quotes are $68 cheaper than Progressive insurance on average
  • Although GEICO is cheaper, Progressive has more discounts
  • Progressive is a good insurance company but has weak mobile app ratings

You’ve narrowed your shopping list to GEICO and Progressive car insurance, but you’re not sure which one to choose.

Read our GEICO vs. Progressive guide to learn how to compare car insurance rates, coverage options, discounts, and third-party ratings.

Read on to learn all about GEICO vs. Progressive car insurance. You can also enter your ZIP code in the free comparison tool to compare multiple companies in your area.

GEICO vs. Progressive Car Insurance: Which company is cheapest in a head-to-head comparison?

Let’s take a look at GEICO vs. Progressive car insurance quotes.

On average, GEICO auto insurance is $68 less expensive than Progressive auto insurance. The national average for GEICO insurance is $268 per month, but Progressive insurance costs around $336 per month.

Does that make GEICO a better car insurance company? Not necessarily. To decide which company is best, you’ll have to see which company meets your needs.

For a more detailed view of Progressive vs. GEICO insurance, check out the Progressive insurance review and GEICO insurance reviews for more information.

How do age, gender, and marital status affect GEICO vs. Progressive car insurance rates?

Auto insurance providers use age as a factor that shows how much driving experience you have had. Teens and young adults usually have more expensive rates due to lack of experience, while older and married drivers have cheaper rates.

Let’s look at a rate comparison between GEICO and Progressive.

GEICO vs. Progressive Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Monthly Car Insurance RatesProgressive Average Monthly Car Insurance Rates
Married 60-year-old female$187$166
Married 60-year-old male$190$171
Married 35-year-old female$192$181
Married 35-year-old male$193$191
Single 25-year-old female$198$225
Single 25-year-old male$200$230
Single 17-year-old female$471$724
Single 17-year-old male$523$802
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Although GEICO has a cheaper national average, Progressive car insurance is more affordable than GEICO concerning married drivers over 34 years old.

Can credit scores affect GEICO and Progressive car insurance?

Yes, your credit history affects your car insurance policy in most states.

According to Experian, auto insurance companies charge cheaper rates for customers who have good or excellent credit because they have fewer chances to file a claim.

Meanwhile, fair and poor credit correlates to higher chances of filing a claim. Let’s see how Progressive and GEICO calculate credit-based car insurance.

GEICO vs. Progressive Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryGEICO Average Monthly Car Insurance RatesProgressive Average Monthly Car Insurance Rates
Good Credit Score (670-739)$203$302
Fair Credit Score (580-669)$249$330
Poor Credit Score (300-579)$355$395
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GEICO has cheaper car insurance on all credit levels. Progressive car insurance premiums aren’t far from GEICO.

What driving violations impact GEICO and Progressive car insurance the most?

Your driving history is one of the most significant auto insurance factors. The better your driving record, the more chances you’ll have at saving money on car insurance.

Let’s see how violations affect Progressive and GEICO car insurance quotes.

GEICO vs. Progressive Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryGEICO Average Monthly Car Insurance RatesProgressive Average Monthly Car Insurance Rates
Clean Driving Record$179$283
With 1 Speeding Violation$220$334
With 1 Accident$266$398
With 1 DUI$406$331
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GEICO is more affordable for customers with speeding violations and accidents. However, Progressive is cheaper for drivers who have a DUI conviction.

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GEICO vs. Progressive Car Insurance: Which company has more coverage options?

All insurance companies provide the minimum car insurance requirements, such as bodily injury liability and property damage liability.

But which company provides more options for its customers? Let’s compare.

GEICO vs. Progressive Car Insurance Coverage Options
GEICO Car Insurance CoveragesProgressive Car Insurance Coverages
Bodily Injury LiabilityBodily Injury Liability
Property Damage LiabilityProperty Damage Liability
Medical Payments coverageComprehensive
Uninsured & Underinsured Motorist coverageCollision
CollisionUninsured & Underinsured Motorist Coverage
ComprehensiveMedical Payments
Emergency Roadside AssistanceLoan/Lease Payoff
Mechanical Breakdown InsuranceRental auto Reimbursement
Rental Car ReimbursementCustom Parts and Equipment Value
Rideshare Coverage
Roadside Assistance
Deductible Savings Bank
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GEICO may be less expensive, but Progressive has more optional coverage. However, more coverage means higher prices. Take advantage of the low premiums and discounts to cover any gaps in coverage.

Progressive vs. GEICO Car Insurance: Which company has more discounts?

All insurance companies use similar factors to determine base rates, but car insurance discounts can lower the final cost.

Insurance companies have a lot of available discounts that can reduce your rates. Let’s compare which company has more discounts.

GEICO vs. Progressive Car Insurance Discounts
Car Insurance DiscountsGEICO AvailabilityProgressive Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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Progressive auto insurance wins the discount war with a total of 36 discounts, which is four more than GEICO.

You may have a higher chance to save with Progressive, but GEICO has the upper hand in the car insurance industry. Continue reading to learn why.

Financial Strength, Credit, and Customer Satisfaction Ratings: GEICO vs. Progressive Car Insurance

Cheap rates don’t mean reliable car insurance coverage. However, ratings can reassure you of the quality of service you can expect.

The best ratings come from agencies that grade car insurance companies every year. We’ve researched the best rating agencies and provided their GEICO and Progressive ratings below.

GEICO vs. Progressive Financial Strength, Credit, and Customer Satisfaction Ratings
AgenciesGEICO RatingsProgressive Ratings
AM BestA++A+
Moody'sAa3Aa
S&PAA+AA
NAIC Complaint Index1.141.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8987
Apple App Store (iOS)5 stars3 stars
Google Play Store (Android)5 stars4 stars
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If we tally up the ratings, GEICO wins 7-0-1 against Progressive. Progressive’s ratings are lower for each agency except J.D. Power.

GEICO’s mobile apps and smart device tools have perfect scores on Android and Apple devices.

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GEICO vs. Progressive Car Insurance: What’s the bottom line?

Deciding whether to buy GEICO vs. Progressive car insurance means looking at what’s most important to you.

GEICO is generally cheaper than Progressive, but Progressive has more discounts that can lower your monthly rates. That means finding affordable GEICO vs. Progressive car insurance rates will depend on factors like how many discounts you qualify for.

While you consider everything you have learned about GEICO vs. Progressive car insurance, take a moment to compare quotes from top insurance companies by using our free online quote tool below.

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