Compare auto insurance plans from the GEICO and Progressive car insurance companies
Whether you’re in the market for new car insurance or you’ve heard their catchy jingles during commercials, you’ve probably heard of GEICO and Progressive. But how much do you know about these companies and their services?
Both GEICO and Progressive are major auto insurance providers that offer plenty of insurance products, coverages and discounts. We’ve collected essential information on each company’s pricing, customer satisfaction and services to help you determine how you can access the best savings and plan for you.
Many factors contribute to the average cost of auto insurance, such as your financial history, vehicle age and accident history. Overall, GEICO’s average prices are cheaper than Progressive’s, with starting rates as low as $667 per year.
Both GEICO and Progressive have strong third-party ratings in customer service and financial strength, although GEICO beats Progressive with slightly higher ratings except for its National Association of Insurance Commissioners (NAIC) Complaint Index score.
|Average annual cost||$1,194||$1,508|
|Better Business Bureau (BBB) rating||A+||A+|
|AM Best rating||A++||A+|
|NAIC Complaint Index Score||1.7||.06|
Current and former military members, especially those preparing for emergency deployment
Those who need leased vehicle coverage
Those in need of gap coverage
Drivers with histories of accidents
People who drive electric vehicles and value extra roadside assistance perks, such as on-scene labor and battery charging
Both GEICO and Progressive are widely accessible and available in all 50 states. GEICO has more than 300 agent locations, with an average of six locations in every state. Florida and Texas have the highest number of locations at 36 and 37, respectively. Progressive has over 35,000 independent agents and insurance brokers across the country, which means you’ll be able to find a representative in your area to navigate the policy search and buying process.
As two of the largest providers in the industry, both GEICO and Progressive offer full coverage auto insurance policies. Even if your state doesn’t require many coverages, it’s still a good idea to invest in coverages beyond your state’s minimum coverage requirements. Therefore, we appreciate the wide range of optional yet protective policies that both companies offer.
|Bodily injury liability and property damage liability||Yes||Yes|
|Medical payments/personal injury protection||Yes||Yes|
|Uninsured motorist/underinsured motorist||Yes||Yes|
|Gap||No||Yes, for those who also have comprehensive and collision coverage on their policy|
|Glass||Yes||Yes, included under comprehensive coverage|
|Mechanical breakdown||Yes, for new or leased cars less than 15 months old with under 15,000 miles||Yes|
You’ll notice from the chart that GEICO does not offer guaranteed asset protection, or gap insurance, which means if you finance or lease your car, you may want to go with Progressive.
GEICO’s roadside assistance is somewhat cheaper than Progressive’s, although it lacks a few benefits that Progressive offers, like on-scene labor and battery charging for electric vehicles. Take a look at how the plans from each company compare.
|Average annual cost||$14||$16|
|Vehicle towing||Yes, to a qualified repair facility within 20 miles of your breakdown location||Yes, to a qualified repair shop within 15 miles of your breakdown location|
|Winching service||Yes, if your vehicle is stuck on or near a public road||Yes, if your vehicle is stuck within 100 feet of a public road or highway|
|Battery charge (electric cars)||No||Yes|
|Locksmith services||Yes, up to $100||Yes|
|Flat tire change||Yes, when you have a functioning spare||Yes|
|On-scene labor||No||Yes, one free hour of labor provided|
Both Progressive and GEICO’s average annual costs are slightly higher than the average auto insurance cost of $1,070. GEICO offers cheaper rates overall, however, with an average price of $1,194, which breaks down to about $99 a month. In comparison, a plan with Progressive will cost you about $1,508 a year, or $125 monthly. However, both companies provide generous discounts that cater to many different situations.
GEICO is known for its discount opportunities for military members and federal employees while Progressive does not offer savings for these groups. However, both companies offer a wide variety of discounts that may apply to you.
|Multipolicy||Yes||Yes, average savings of 5%|
|Multicar||Yes, about 25% off||Yes, average savings of 4%|
|Safe driver||Yes, about 22% off||Yes, about $146 off|
|Seat belt use||Yes||No|
|Good student||Yes, about 15% off||Yes, about 10% off|
|Driver’s education/defensive driving course||Yes||No|
|Homeowner||No||Yes, about 10% off|
|Online quote||No||Yes, about 7% off|
|Online document signing||No||Yes, about 9% off|
|New vehicle||Yes, 15% off||No|
|Daytime running lights||Yes||No|
|Antitheft system||Yes, about 23% off||No|
|Antilock brakes||Yes, 5% off||No|
|Airbag||Yes, about 23% off||No|
|Emergency deployment||Yes, 25% off||No|
|Federal employee||Yes, about 12% off||No|
|Membership and employee||Yes||No|
|Military||Yes, 15% off||No|
GEICO and Progressive both have mobile apps that allow customers to access policy information, digital ID cards, claim filing and roadside assistance on the go. Here’s a breakdown of each app:
|Features||GEICO Mobile||Progressive App|
|Free download from the Apple Store and Google Play||Yes||Yes|
|iOS rating (out of 5 stars)||4.8||4.8|
|Android rating (out of 5 stars)||4.6||4.6|
|View policy information||Yes||Yes|
|View ID card||Yes||Yes|
|Request roadside assistance||Yes||Yes|
|File a claim||Yes||Yes|
|Bill payment||Yes, accepts debit or credit cards for autopay and electronic funds transfer through a bank account||Yes, accepts debit cards, credit cards (such as Mastercard, Visa and Discover), checking accounts, Apple Pay, Google Pay and PayPal|
|Live virtual support||Yes, 24/7 virtual assistant||No|
DriveEasy is a telematics-based program that you can access through GEICO’s mobile app. It uses your phone’s GPS location to track your driving data and calculate your “driving score” based on your safe habits behind the wheel. The higher your score, the more money you’ll save on your car insurance. Your driving score is based on safe driving behaviors like how you accelerate and brake and on distracted driving behaviors, including handheld phone calls and phone use while driving over six miles per hour.1
Progressive also offers a telematics-based driving program, Snapshot. Unlike another usage-based insurance program that measures mileage only, Snapshot allows customers to save on their insurance by driving safer. With Snapshot, you can use either the Snapshot mobile app or a plug-in device that tracks your mileage and certain driving behaviors. Such behaviors include:
|Behaviors tracked||GEICO DriveEasy||Progressive Snapshot|
|Discount at signup||Not listed||Average: $47|
|Maximum discount overall||Not listed||Average: $156 annually (excludes New York, Alaska and Hawaii)|
|Time of day||Yes||Yes|
|Risky weather conditions during driving hours||Yes||No|
|Type of roads driven on||Yes||No|
|Mobile phone use||Yes||Yes, in most states for customers who opt for Snapshot’s mobile app. Refer to Progressive’s state details page to see participating states.2|
All customers (except those in New York or Hawaii) receive a discount just by signing up for Progressive’s program, Snapshot.
The good news is that this program has nothing to do with your driving record. Rather, good drivers will see lower average rates for their coverage options. These programs may make insurance cheaper for drivers with poor credit who have trouble finding affordable car insurance.
Since GEICO and Progressive offer other types of insurance in addition to auto, you can bundle different policies to earn extra savings. Explore the available insurance services that each company offers below to see if adding any other policies would help you save in the long run.
|Additional insurance types offered||GEICO||Progressive|
|Travel||Yes, overseas coverage||Yes|
We refer to various trusted third-party organizations to compare GEICO and Progressive. Specifically, the BBB and JD Power provide ratings on customer service and satisfaction, whereas AM Best, Standards & Poor’s (S&P) and the NAIC are financial strength organizations.
|BBB customer rating (out of 5)||1.14||1.08|
|NAIC Complaint Index Score||1.7||0.06|
|JD Power (out of 1,000)||828||819 (California)|
GEICO and Progressive each have very low BBB customer ratings, which is unfortunately typical for most insurance companies and indicates a high number of unresolved complaints. However, both providers have a 100 percent response rate to complaints.
GEICO rates slightly higher than Progressive in both customer satisfaction and financial strength as a company. However, GEICO’s NAIC Complaint Index score of 1.7 is higher than both the average of 1 and Progressive’s score of .06. This means that GEICO receives a higher number of complaints than other companies in the industry.
We aim to provide the most accurate and up-to-date information about insurance providers to help you choose the company and policy that’s right for you. We do this by examining three main areas:
Generally, Progressive does not offer better rates than GEICO. Auto insurance policies with GEICO cost an average of $1,194 per year, which breaks down to about $99 monthly. In comparison, a plan with Progressive will cost you $1,508, which comes to a monthly average of about $125.
GEICO’s average annual cost of $1,194 is cheaper than Progressive’s, likely due to the wider availability of discounts compared to Progressive. GEICO also offers extensive savings for the safest drivers, such as its discount for customers who complete driver’s education and defensive driving courses, which is not a discount available with Progressive. However, many factors can impact your auto insurance rate, including your age, state of residence, credit history and driving patterns.
You can cancel your auto insurance policy with Progressive anytime by calling a customer service agent at (866) 416-2003.
GEICO underwrites its own auto insurance policies except for its overseas auto insurance, which is underwritten by GEICO’s subsidiary, International Insurance Underwriters.
Frequently Asked Questions About DriveEasy. GEICO. (2023).
Everything you want to know about Snapshot. Progressive. (2023).