Geico vs. Progressive: Which Has Cheaper Car Insurance Rates in 2023

Enter your Insurance Company Comparison zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Flat illustration comparing car insurance rates on tablet is a free independent consumer comparison website and is not affiliated with Geico. To get a Geico auto insurance quote please visit To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save!

Everyone knows that Geico and Progressive are the two largest online insurers in the U.S. But what makes one better than the other? Let’s compare and contrast both companies and see if one floats to the top.

Geico vs Progressive: What are their coverages and ratings?

The table below compares industry ratings for value, claims service, and customer service for drivers, as well as some of the optional coverages offered by both Geico and Progressive insurance.

Geico vs Progressive
Geico Progressive
Total rating 87.8/100 90.1/100
Value for Price 79/100 88/100
Claims Rank 95/100 83/100
Client Services 89/100 94/100
Market share percentage 11.4% 8.8%
Customer recommendation 87% 88%
Mechanical breakdown insurance Yes Yes
Usage-based insurance No Yes
Accident forgiveness Yes Yes
Rideshare coverage Yes Yes
New car replacement insurance No No
Roadside assistance Yes Yes
Where you can buy Can buy online or use a Geico agent Online or from independent agents
Number of agents 150+ 30,000+
Compare Prices Go

Each company offers property damage liability coverage, collision coverage, comprehensive coverage, GAP insurance, personal injury protection, renters insurance, mechanical breakdown coverage, and many more insurance products.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Geico vs Progressive Policy: Which offers better discounts?

Everyone likes discounts, especially when talking about car coverage. Geico and Progressive both offer a good selection of discounts to help you save money, and the list below shows some of the discounts that are available with each insurer.

Geico vs Progressive: Auto Insurance Discounts
Discount Geico Progressive
Bundle discount Yes Yes
Multi-vehicle Yes Yes
Anti-theft Yes Yes
Anti-lock brakes Yes No
Air bags Yes No
New vehicle Yes No
Accident-free Yes Yes
Defensive driver training Yes Yes
Military Yes Yes
Affinity/occupation No No
Pay in full No Yes
Automatic payment No Yes
Brand loyalty Yes Yes
Early sign-up No No
Smart student Yes Yes
Student away from home Yes Yes
Homeowner No Yes
Seat belt use No No
Online quote discount No Yes
Teenage driver No Yes
Compare Prices Go

Viewing the tables above, you can see that offerings are similar between both Geico and Progressive. If car insurance discounts are your thing, each insurance company offers a slightly different choice of discounts, but discounts generally do not apply to your entire policy premium. Rather, they usually take a percentage off a specific coverage depending on the discount.

Should you check online or with a local insurance agent?

Progressive differs a little bit from Geico in how they sell car insurance. Progressive not only sells online, but they also offer coverage through a network of independent agents. Geico has a small number of agents in relation to Progressive, but they have a larger online marketshare. So if you prefer to work with a local agent, stop in to your local independent agent and inquire if they offer Progressive as an option.

Is Geico or Progressive cheaper?

If the cheapest car insurance is your objective, then Geico may be the best choice. Out of the top five largest auto insurance companies, Geico was the cheapest at around $1,100 a year. Progressive was second at about $1,240 a year. Farmers, State Farm, and Allstate rounded out the top five at $1,250, $1,325, and $1,570, respectively.

Who has the best claims service?

If the best claims process experience is your goal, it’s pretty much a wash. Both Geico and Progressive lagged behind Allstate, Farmers, and State Farm when it came to customer satisfaction with their property damage or bodily injury claim settlements.

Are both solid financially?

There are a lot of different ways to compare Geico and Progressive, but the two companies are so similar that you really cannot go wrong with either one. They are both solid financially, with good ratings with both A.M. Best and Standard & Poor’s. So you will not have to worry about either one going insolvent and not being able to pay your auto claim.

How can you compare rates?

If you want the best auto insurance comparison, we recommend you not only compare Geico with Progressive but include some independent agents and also exclusive agents like State Farm and Allstate in the mix. Each one has unique discounts and coverages that may lend themselves well to a drivers personal risk profile.

Want Cheaper Car Insurance Rates?

Compare Rates Now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles