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Licensed property and casualty insurance agent
10+ years editing insurance content
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A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
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GEICO and Progressive offer solid coverage and competitive rates. But GEICO typically has lower average premiums and higher customer satisfaction ratings. Overall, GEICO customers pay an average of $145 per month for full coverage. The same Progressive policy runs around $134 per month.
But both companies are top auto insurers — GEICO holds an almost 12% market share, while Progressive leads with nearly 17% of the industry. And both maintain solid financial strength ratings from AM Best.
Let’s compare car insurance rates, coverage, and discounts for GEICO and Progressive to help you decide which insurer may be a better fit for your needs.
GEICO generally offers lower average premiums across most driver profiles compared to Progressive.
Progressive provides more comprehensive coverage options, including gap insurance and rideshare coverage that GEICO doesn't offer.
GEICO earns higher customer satisfaction ratings, while Progressive stands out for its digital tools and policy management.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO has built a reputation as one of the most affordable auto insurers while maintaining strong customer service. The company operates in all 50 states and offers solid coverage options, though it doesn’t have as many specialty coverages as some competitors.
Its DriveEasy telematics program can help safe drivers save money, but it may lead to higher rates for riskier driving behavior.
Lower average rates
High customer satisfaction
Excellent financial strength rating
Fewer coverage options
Gap insurance not available
DriveEasy may increase rates
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive stands out for its wide array of coverage options and innovative digital tools. The company offers specialty coverages like gap insurance and custom parts coverage that many competitors, including GEICO, don't provide.
The company’s Snapshot telematics program can help safe drivers save money, though it may increase rates for high-risk driving behavior.
Many coverage options
Strong digital tools and app
Relatively low number of customer complaints
Higher average premiums
Lower customer satisfaction
Fewer discounts
When choosing an auto insurance company, you'll want to consider cost, customer satisfaction, how easy it is to manage your policy, and coverage options.
Here’s how GEICO and Progressive compare across five key categories, according to Compare.com data.
Category | GEICO | Progressive |
|---|---|---|
| Cost | 4.67/5 | 4.33/5 |
| Customer satisfaction | 4.33/5 | 3.33/5 |
| Policy management | 4.8/5 | 4.8/5 |
| Availability | 5/5 | 5/5 |
| Industry reputation | 5/5 | 4.67/5 |
| Overall Score | 4.93/5 | 4.50/5 |
GEICO earns its higher overall rating by excelling in affordability, customer satisfaction, and industry reputation. Progressive and GEICO tie for policy management and availability.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer's propriety Compare.com Rating, which highlights its overall standing among the industry's best companies.
Insurance rates vary significantly based on factors, such as your age, location, driving record, credit history, and vehicle type.[1] Even small differences in your profile can lead to dramatically different premiums between insurers.
For example, your coverage levels also affect your rates. So keep in mind that if you’re financing or leasing your vehicle, you’ll need to purchase full-coverage insurance as required by your lender.
That’s why it’s essential to compare personalized quotes from multiple companies. Let’s see how GEICO and Progressive average rates compares for different drivers, according you our data.
Driver Type | GEICO | Progressive | Industry Average |
|---|---|---|---|
| All drivers | $145 | $134 | $185 |
| Teens | $259 | $0 | $347 |
| Seniors | $105 | $0 | $161 |
| Recent ticket | $198 | $0 | $239 |
| Recent accident | $194 | $0 | $248 |
| DUI conviction | $211 | $0 | $264 |
| Poor credit | $160 | $0 | $227 |
Policies start as low as $47 per month.
Insurance costs can vary substantially from state to state due to factors like local weather patterns, traffic density, and state insurance regulations.
Here’s how GEICO and Progressive’s car insurance rates compare by state, according to our data.
State | GEICO | Progressive |
|---|---|---|
| Alabama | $147 | $106 |
| Alaska | $123 | N/A |
| Arizona | $174 | $130 |
| Arkansas | $135 | $101 |
| California | $191 | N/A |
| Colorado | $194 | $145 |
| Connecticut | $203 | $212 |
| Delaware | $213 | $183 |
| Florida | $209 | $155 |
| Georgia | $278 | $203 |
| Hawaii | $117 | N/A |
| Idaho | $90 | $89 |
| Illinois | $145 | $133 |
| Indiana | $97 | $87 |
| Iowa | $89 | N/A |
| Kansas | $159 | $127 |
| Kentucky | $185 | $121 |
| Louisiana | $200 | $138 |
| Maine | $95 | N/A |
| Maryland | $278 | $259 |
| Massachusetts | $127 | $192 |
| Michigan | $240 | $162 |
| Minnesota | $161 | $104 |
| Mississippi | $145 | $122 |
| Missouri | $196 | $100 |
| Montana | $140 | N/A |
| Nebraska | $135 | $108 |
| Nevada | $245 | $255 |
| New Hampshire | $103 | N/A |
| New Jersey | $287 | $268 |
| New Mexico | $143 | $108 |
| New York | $212 | $392 |
| North Carolina | $113 | $99 |
| North Dakota | $94 | N/A |
| Ohio | $97 | $92 |
| Oklahoma | $168 | $97 |
| Oregon | $133 | $130 |
| Pennsylvania | $158 | $180 |
| Rhode Island | $283 | $230 |
| South Carolina | $163 | $191 |
| South Dakota | $132 | N/A |
| Tennessee | $133 | $92 |
| Texas | $189 | $147 |
| Utah | $130 | $121 |
| Vermont | $102 | N/A |
| Virginia | $184 | $148 |
| Washington | $153 | $152 |
| District of Columbia | $280 | $325 |
| West Virginia | $140 | $104 |
| Wisconsin | $89 | N/A |
| Wyoming | $91 | N/A |
GEICO and Progressive both offer the standard coverages, including liability insurance, that most states require.2 And if you finance or lease your car, collision and comprehensive coverage are essential to protect yourself and your vehicle.
The table below breaks down GEICO’s and Progressive’s available coverages in the table below, according to each company’s advertised information.
Coverage Type | GEICO | Progressive |
|---|---|---|
| Liability | ✓ | ✓ |
| Comprehensive | ✓ | ✓ |
| Collision | ✓ | ✓ |
| Medical payments (MedPay) | ✓ | ✓ |
| Personal injury protection (PIP) | ✓ | ✓ |
| Uninsured/underinsured motorist (UI/UM) | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ |
| Rental reimbursement | ✓ | ✓ |
| Gap insurance | ✓ | |
| Accident forgiveness | ✓ | ✓ |
| Mechanical breakdown | ✓ | ✓ |
| Rideshare endorsement | ✓ | |
| Vanishing deductibles | ✓ | |
| New car replacement | ✓ | ✓ |
| Pet injury | ✓ | ✓ |
While both companies offer a solid list of coverage, Progressive has the most comprehensive protection. If you’re looking for gap insurance or rideshare coverage, Progressive is your best option.
Both companies offer multiple ways to save with car insurance discounts, but discounts vary by company and state. Below are the various discounts GEICO and Progressive offer based on publicly advertised discounts.
Discount Type | GEICO | Progressive |
|---|---|---|
| Affinity | ✓ | |
| Alternative energy | ✓ | |
| Anti-theft | ✓ | ✓ |
| Automatic payments | ✓ | ✓ |
| Customer loyalty | ✓ | |
| Defensive driver | ✓ | ✓ |
| Good student | ✓ | ✓ |
| Early shopper | ✓ | |
| Federal employee | ✓ | |
| Homeowner | ✓ | ✓ |
| Low-mileage | ✓ | |
| Military | ✓ | |
| Multi-policy | ✓ | ✓ |
| Multi-vehicle | ✓ | ✓ |
| New car | ✓ | |
| Paperless billing | ✓ | ✓ |
| Pay-in-full | ✓ | ✓ |
| Safe driver | ✓ | ✓ |
| Safety equipment | ✓ | ✓ |
| Student away at school | ✓ | ✓ |
| Teacher | ✓ | |
| Usage-based/telematics | ✓ | ✓ |
Both insurers offer plenty of discounts, but GEICO has the slight advantage, with 18 discounts to Progressive’s 17. It all comes down to which discounts matter the most to you.
Before buying your next policy, it’s important to look at customer reviews, which provide valuable insight into real-world experiences with insurance companies. Recent customer feedback can help you understand what to expect from each company’s claims processing, customer service, and overall satisfaction.
Here’s what current and former customers have to say about their experiences with GEICO and Progressive.
The average driver saves up to $867.*
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Usage-based insurance (UBI) programs use telematics technology to monitor your driving habits and adjust your premiums based on your driving behavior. UBI programs are ideal for drivers who don’t drive frequently, avoid hard braking and rapid acceleration, and maintain safe following distances.
Progressive's Snapshot program tracks your driving habits through a mobile app and can save you up to $322 per year, on average. You can get an automatic discount just for signing up. High-risk drivers may see their rates increase based on driving performance.
GEICO's DriveEasy program offers similar monitoring through your smartphone and can provide discounts of between 5% and 15%. Both DriveEasy and Snapshot may increase your rates if they detect risky driving behaviors.
If you’re still wondering how GEICO and Progressive stack up, here are answers to some of the most commonly asked questions about the companies.
No company is necessarily better. The right insurer for you depends on your unique needs and priorities. GEICO might be better if you prioritize lower rates and excellent customer service, while Progressive could be the better choice if you need specialized coverage options like gap insurance or rideshare coverage.
The best auto insurer varies from person to person and depends on your specific situation and what matters most to you.
State Farm, GEICO, and Allstate rank as top companies. GEICO is best if you’re looking for affordable coverage, State Farm may appeal to drivers with a driving under the influence (DUI) conviction, and Allstate stands out for discounts.
Your age, location, driving history, and other personal factors can affect your rates, so always get personalized quotes. Our data shows that GEICO customers pay around $145 per month for coverage, and Progressive policies average $134 per month.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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