Geico vs. Progressive Car Insurance: Expert Recommended (2023)
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, age, gender, marital status, credit score, and driving record can all make a difference in car insurance rates from both GEICO and Progressive.
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
UPDATED: Oct 2, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 2, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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.
On This Page
- GEICO quotes are $68 cheaper than Progressive insurance on average
- Although GEICO is cheaper, Progressive has more auto insurance 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 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.
| Age, Gender, and Marital Status | GEICO Average Monthly Car Insurance Rates | Progressive 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 |
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.
| Credit Score Summary | GEICO Average Monthly Car Insurance Rates | Progressive 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 |
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.
| Driving Record Summary | GEICO Average Monthly Car Insurance Rates | Progressive 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 |
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 types of coverage options for its customers? Let’s compare to answer this common insurance question.
| GEICO Car Insurance Coverages | Progressive Car Insurance Coverages |
|---|---|
| Bodily Injury Liability | Bodily Injury Liability |
| Property Damage Liability | Property Damage Liability |
| Medical Payments coverage | Comprehensive |
| Uninsured & Underinsured Motorist coverage | Collision |
| Collision | Uninsured & Underinsured Motorist Coverage |
| Comprehensive | Medical Payments |
| Emergency Roadside Assistance | Loan/Lease Payoff |
| Mechanical Breakdown Insurance | Rental auto Reimbursement |
| Rental Car Reimbursement | Custom Parts and Equipment Value |
| Rideshare Coverage | |
| Roadside Assistance | |
| Deductible Savings Bank |
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.
| Car Insurance Discounts | GEICO Availability | Progressive 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 | ✘ | ✔ |
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.
Geico vs. Progressive Car Insurance: Uncovering the Best With In-Depth Claims Process Comparison
Ease of Filing a Claim
When it comes to filing a claim with GEICO and Progressive, both companies offer multiple methods for convenience. Customers can file claims online through their respective websites, over the phone via dedicated helplines, or through mobile apps. These options provide flexibility for policyholders to choose the most convenient way to report incidents and initiate the claims process.
Average Claim Processing Time
The efficiency of claim processing is a critical aspect of customer satisfaction. While the exact processing time may vary depending on the nature and complexity of the claim, both GEICO and Progressive aim to streamline their claims procedures. On average, policyholders can expect a reasonable turnaround time for their claims to be processed.
It’s important to note that specific processing times may differ for each individual claim.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in evaluating the performance of insurance companies in handling claims. Both GEICO and Progressive have received feedback from their policyholders regarding claim resolutions and payouts.
This feedback can provide insights into the overall satisfaction of customers with the claim settlement process, helping prospective policyholders make informed decisions about their insurance choices.
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Geico vs. Progressive Car Insurance: A Deep Dive Into Digital and Technological Features
Mobile App Features and Functionality
Both GEICO and Progressive offer mobile apps that provide policyholders with various features and functionalities. These apps allow customers to access their insurance policies, view digital ID cards, make payments, and even file claims directly from their smartphones.
The user experience and functionality of these mobile apps can significantly enhance the overall convenience of managing insurance policies.
Online Account Management Capabilities
In addition to mobile apps, policyholders can also manage their insurance accounts online through the official websites of GEICO and Progressive. This online account management capability enables customers to review policy details, update personal information, request policy changes, and monitor their coverage.
The ease of navigating these online portals contributes to a seamless digital experience.
Digital Tools and Resources
Both insurance companies offer digital tools and resources to assist policyholders in understanding their coverage and making informed decisions. These resources may include online calculators, educational articles, and interactive tools that help customers assess their insurance needs.
Access to such digital resources can empower policyholders to make choices that align with their specific requirements and preferences.
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.
| Agencies | GEICO Ratings | Progressive Ratings |
|---|---|---|
| AM Best | A++ | A+ |
| Moody's | Aa3 | Aa |
| S&P | AA+ | AA |
| NAIC Complaint Index | 1.14 | 1.33 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 89 | 87 |
| Apple App Store (iOS) | 5 stars | 3 stars |
| Google Play Store (Android) | 5 stars | 4 stars |
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.
Frequently Asked Questions
What is the difference between Geico and Progressive car insurance?
Geico and Progressive are both well-known car insurance companies, but they have some differences in terms of coverage options, pricing, and customer service.
Can I manage my car insurance policy online with Geico and Progressive?
Yes, both Geico and Progressive provide online platforms where you can manage your car insurance policy, make payments, file claims, and access important documents.
Can I bundle my car insurance with other policies at Geico and Progressive?
Yes, both Geico and Progressive offer options for bundling your car insurance with other policies such as home insurance or renters insurance. Bundling policies can often lead to additional savings.
Are there any specific advantages of choosing Geico over Progressive?
Geico is known for its extensive advertising campaigns and a wide range of coverage options. They also offer additional services such as mechanical breakdown coverage and rideshare insurance, which may be advantageous if you have specific needs.
Are there any specific advantages of choosing Progressive over Geico?
Progressive is known for its innovative approach to car insurance, including features like their Snapshot program that rewards safe driving habits. They also offer unique options like gap insurance and pet injury coverage, which may be appealing to some customers.
Can I switch from Geico to Progressive or vice versa?
Yes, you can switch your car insurance provider from Geico to Progressive or vice versa. It’s advisable to compare quotes, coverage options, and consider any potential cancellation fees or requirements before making a switch.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.