GEICO vs. Progressive Car Insurance (2022)

You’ve narrowed your shopping list to GEICO and Progressive car insurance, but you’re just not sure which insurer carries the auto policy that is right for you.

Is GEICO cheaper than Progressive or is Progressive cheaper than GEICO? Does Progressive rate better than GEICO when it comes to customer satisfaction?

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

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 car insurance rates?

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

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

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 car insurance?

Yes, your credit history affects your auto 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 has cheaper car insurance on all credit levels. Progressive car insurance premiums aren’t far from GEICO.

What driving violations impact 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 is more affordable for customers with speeding violations and accidents. However, Progressive is cheaper for drivers who have a DUI conviction.

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 types of coverage options for its customers? Let’s compare to answer this common insurance question.

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.

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.

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.

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.