GEICO vs. Progressive: Pros & Cons (2021)

When comparing GEICO vs. Progressive auto insurance, GEICO insurance rates are usually cheaper. However, Progressive insurance is cheaper if you are over 35, have a DUI, or have fair credit. Both companies offer similar coverages and have similar financial ratings, although GEICO ranks higher in customer satisfaction. Compare the many discounts offered by GEICO and Progressive to lower your auto insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • GEICO auto insurance rates are cheaper than Progressive in most cases
  • Progressive rates are cheaper if you are over 35, have a DUI, or have fair credit
  • Both companies score similarly with financial ratings, but GEICO comes out on top in customer satisfaction

You have a lot of choices when it comes to the best auto insurance companies, and comparing them side by side will help you narrow down your options. To see which one best suits your needs, we will look at GEICO vs. Progressive auto insurance companies.

To see if either is right for you, compare rates, discounts, financial ratings, and customer satisfaction ratings.

To find the best company, you don’t have to just compare GEICO and Progressive. Enter your ZIP code to receive free quotes from a variety of auto insurance companies near you.

Is GEICO or Progressive auto insurance cheaper?

You may be surprised to learn all of the factors that auto insurance companies use to determine your rates. Common factors used are your age, gender, ZIP code, driving history, and credit score.

All of these will be used to determine how affordable GEICO vs. Progressive auto insurance is for you. Although both companies offer similar coverages, rates will vary since everyone will be different.

First, we will look at GEICO vs. Progressive auto insurance rates by demographics. We all know that younger drivers are charged higher rates, but let’s look at how age affects auto insurance rates.

GEICO vs. Progressive Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesProgressive Average Annual Rates
Single 17-year-old female$5,653.55$8,689.95
Single 17-year-old male$6,278.96$9,625.49
Single 25-year-old female$2,378.89$2,697.73
Single 25-year-old male$2,262.87$2,758.66
Married 35-year-old female$2,302.89$2,296.90
Married 35-year-old male$2,312.38$2,175.27
Married 60-year-old female$2,240.60$1,991.49
Married 60-year-old male$2,283.45$2,048.63
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Although GEICO is significantly cheaper for younger drivers, Progressive is cheaper for drivers 35 and older.

Your driving record is another significant factor that auto insurance companies consider when determining your rates. You’ll pay more on your policies if you have accidents, tickets, or DUIs than if you have a clean driving record.

GEICO vs. Progressive Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesProgressive Average Annual Rates
Clean record$2,145.96$3,393.09
With 1 accident$3,192.77$4,777.04
With 1 DUI$4,875.87$3,969.65
With 1 speeding violation$2,645.43$4,002.28
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GEICO is much cheaper if you have a clean driving record, one accident, or one speeding ticket. However, Progressive is cheaper if you have a DUI.

You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Insurance companies believe that you are less likely to file a claim and have a better ability to pay for damages out of pocket if you have a higher credit score.

GEICO vs. Progressive Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesProgressive Average Annual Rates
Good$2,434.82$3,628.85
Fair$2,986.79$3,956.31
Poor$4,259.50$4,737.64
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Although not every state allows auto insurance companies to use credit scores to calculate rates, most states do. GEICO insurance is cheaper if you have good or poor credit, and Progressive insurance is cheaper if you have fair credit.

All of these factors together, plus many more, will be used to determine what rates you are offered on your Progressive and GEICO quotes.

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Does GEICO or Progressive have better auto insurance discounts?

You can significantly lower your auto insurance rates if you add discounts to your policy. Most companies offer common discounts based on the number of cars you have, your job, and if you’re a safe driver.

This table shows you the available discounts through GEICO and Progressive. If the amount of the discount is known, it’s included. Take a look and see which company offers you the most discounts.

GEICO vs. Progressive Auto Insurance Discounts
DiscountsGEICOProgressive
Adaptive Cruise ControlN/Ax
Adaptive HeadlightsN/Ax
Anti-lock Brakes5%x
Anti-Theft25%x
Claim Free26%x
Continuous Coveragexx
Daytime Running Lights1%x
Defensive Driverx10%
Distant Studentxx
Driver's Edx10%
Driving Device/Appx20%
Early Signingxx
Electronic Stability ControlN/Ax
Emergency Deployment25%N/A
Family Legacyxx
Farm VehiclexN/A
Federal Employee8%N/A
Forward Collision WarningN/Ax
Full Paymentxx
Further EducationxN/A
Good CreditN/Ax
Good Student15%x
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
Loyaltyxx
MarriedN/Ax
Membership/GroupxN/A
Military15%N/A
Multiple Policies10%12%
Multiple Vehicles25%10%
Newer Vehiclexx
OccupationxN/A
Online ShopperN/A7%
Paperless DocumentsN/A$50
Paperless/Auto BillingN/Ax
Passive Restraint40%x
Safe Driver15%31%
Seat Belt Use15%N/A
Stable ResidenceN/Ax
Students & AlumnixN/A
Switching ProviderN/Ax
Utility VehiclexN/A
Vehicle Recovery25%x
VIN EtchingN/Ax
Young DriverN/Ax
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Both companies offer a lot of discounts, but some are only offered at one company. For example, GEICO offers a discount for the military, and Progressive doesn’t. Progressive offers a married couple discount, and GEICO doesn’t.

As you compare GEICO vs. Progressive auto insurance quotes, be sure to ask for any discounts you may be eligible for.

How do GEICO and Progressive compare in financial strength and customer satisfaction?

A.M. Best ranks companies based on how financially stable they are. GEICO received an A++ rating, and Progressive earned an A+ rating showing that both companies have a superior ability to meet their obligations.

Both companies also received an A+ rating from the Better Business Bureau, but GEICO is accredited while Progressive is not.

J.D. Power raked GEICO and Progressive on customer satisfaction, including prices, billing, claims, and what is offered. GEICO scored higher than Progressive in each region.

Both companies offer mobile apps and websites, and customers can use their GEICO or Progressive login to access their insurance information and pay bills. You can also use your GEICO login or Progressive insurance login to access your ID cards when needed.

You can contact Progressive and GEICO customer service 24/7, making both of the companies easy to contact.

Before you decide whether to buy GEICO vs. Progressive auto insurance, learn more about each company. Read the full GEICO auto insurance review and Progressive auto insurance review for more information on these companies.

Still not sure what insurance company you want to purchase from? Enter your ZIP code to compare quotes from several companies near you now that you’ve compared GEICO vs. Progressive auto insurance.

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