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Geico Car Insurance vs Progressive Car Insurance: Which Is Better?

Car insurance may seem like a necessary evil. You buy it because your state or your car loan company requires it, and aside from paying your bill, you forget about it. However, when you really need car insurance – when you’ve had an accident – you’ll be glad to have it.

That said, what you pay for car insurance and how you’re treated by your insurer can vary quite a bit from company to company. Even two people of the exact same age and gender, with the same yearly mileage on their car, can pay radically different car insurance premiums. It pays to shop around.

To help you find the right car insurance company for you, we’re going to do a head-to-head comparison of Geico and Progressive. They’re two of the largest car insurance companies in the country, and if you’re shopping for insurance, they’re likely on your list of companies to check out. Here’s what you need to know.

Geico and Progressive Car Insurance Rates

Of the top nine nationwide insurance companies we looked at, Geico had some of the lowest car insurance representative rates. Progressive’s rates in our study were squarely in the middle of the group. The overall average for Geico was $1,063, while Progressive’s average was $1,308, about $245 more.

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How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

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We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Geico vs. Progressive: Pros & Cons

Geico

    • Lower study rates

    • Easy to file a claim

    • Poor communication during claims process

Progressive

    • Cheaper for profiles with a DUI

    • Higher average study rates

    • Customers not satisfied with value

Geico Auto Insurance Information

The Geico gecko has been telling us for years that in 15 minutes, you could save 15% or more on car insurance. Our study found that Geico’s national average rates were among the lowest in the country for the driver profiles used to gather data. That may be helping to increase Geico’s growing market share. At the end of 2017, Geico was the second largest insurance company with 12.83% of the overall insurance market.

According to those who took our survey, Geico’s strength is in the ease of filing a claim. Two-thirds of those who answered would recommend this car insurance to a friend, and 70% said they were likely to renew with Geico. Though it scored well in most categories, respondents were hesitant to give Geico the highest marks for overall satisfaction.

Progressive Auto Insurance Information

Progressive is known for offering the rates of its competitors along with its own rates, thanks to help from friendly spokesperson Flo. It was enough to move Progressive past Allstate to the number three position of largest insurers in the nation, with 9.88% of the market in 2017. 

People in our survey seemed equally satisfied with the ease of filing a claim and with Progressive’s customer service. About 60% said they were likely to recommend the company and renew their own insurance policy with Progressive. 

Geico and Progressive Car Insurance: Which Is Cheapest for Men?

For younger driver profiles, we found the potential savings with Geico to be particularly appealing compared to Progressive. With Geico, the average study rate for our 25-year-old male profile was $1,120, compared to $1,603 with Progressive. That’s about $500 in savings annually. 

The savings with Geico weren’t as great for our 35-year-old male profiles, but still amounted to about $150 per year. Geico’s average for our profiles in this demographic was $1,057, while Progressive’s was $1,209. The trend continued for our 60-year-old male profiles, where we saw a $998 average auto insurance study rate with Geico, compared to $1,106 with Progressive. That’s a difference of about $110.

To determine the average average auto insurance study rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

25-year-old male

35-year-old male

60-year-old male

Geico

$1,120.01

$1,057.20

$998.26

Progressive

$1,602.96

$1,208.90

$1,105.52

Geico and Progressive Car Insurance: Which Is Cheapest for Women?

Geico also proved the more affordable choice for our female driver profiles across all age groups. For a 25-year-old female profile, we found an average annual study cost of $1,160 for auto insurance. With Progressive, it was $1,558 – about $400 more than Geico. The difference in auto insurance representative rates for our 35-year-old female driver profiles narrowed considerably, but still left Geico with a significant advantage. We found an average annual study rate of $1,286 with Progressive, and $1,032 with Geico. That’s a little more than $250. At the age of 60, our female driver profiles had rates of $973 with Geico, and $1,067 with Progressive, a difference of about $100.

We used driver profiles in the ages of 25, 35, and 60 to find out if Geico or Progressive offers lower rates to female driver profiles. The profiles have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

25-year-old female

35-year-old female

60-year-old female

Geico

$1,160.30

$1,031.61

$972.89

Progressive

$1,558.35

$1,285.99

$1,066.79

Geico and Progressive Car Insurance: Which Is Cheapest for High Mileage?

Putting 12,000 miles on the odometer each year is fairly common in the United States. We found an average auto insurance study rate of $1,063 for driver profiles with this annual mileage. The average with Progressive was about $245 higher, at $1,308. 

To compare rates by average miles driven per year, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

Geico

$1,063.10

Progressive

$1,308.37

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Geico and Progressive Car Insurance: Which Is Cheapest for Low Mileage?

If you drive half as much, car insurance rates are lower, but maybe not by half. For our driver profiles with 6,000 miles of driving a year, we found an average annual car insurance study rate of $1,005 with Geico. With Progressive, it was $1,304. That’s about $300 more than Geico. 

Note, though, that we found little difference with either company between average representative rates for miles driven. In the case of Progressive, the difference was only about $5.

We analyzed the different representative rates charged by Geico and Progressive to driver profiles with low mileage (only 6,000 per year).The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

Geico

$1,004.62

Progressive

$1,303.99

Geico and Progressive Car Insurance: Which Is Cheapest for Good Credit?

Drivers with a good credit history will generally receive lower auto insurance rates than those with poor credit. Between these two companies, we found a significant cost advantage with Geico for driver profiles with good credit. With Geico, we found an average rate for those with good credit was $1,041. Progressive’s average car insurance rate for profiles with good credit was $1,296, about $255 more. 

In order to compare auto insurance rates by credit score, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Good credit

Geico

$1041.20

Progressive

$1,295.62

Geico and Progressive Car Insurance: Which Is Cheapest for Bad Credit?

Those with poor credit will end up paying more for car insurance, though we found some savings with Geico over Progressive. Geico’s average study rate for profiles in this group was $1,853, while Progressive’s average was $2,347. That’s about a $500 difference, but represents a bump of more than $800 with Geico and about $1,050 with Progressive, demonstrating what a big difference good credit can make in your auto insurance costs.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Geico and Progressive with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Poor credit

Geico

$1,853.45

Progressive

$2,347.35

Geico and Progressive Car Insurance: Which Is Cheapest for Good Drivers?

Average car insurance representative rates for our driver profiles with a clean record insured through Geico were less expensive than Progressive by about $245 per year. We found Geico's average auto insurance rate in our study for good driver profiles was $1,063, compared to $1,308 with Progressive. 

To compare rates by driving record with different insurers, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Clean record

Geico

$1,063.10

Progressive

$1,308.37

Geico and Progressive Car Insurance: Which Is Cheapest After a Speeding Ticket?

Speeding is more likely to lead to an accident, and insurance companies raise rates to reflect that fact. For driver profiles with one speeding ticket on their record, we found Geico was much cheaper than Progressive, with an average car insurance representative rate of $1,356. The average study rate for the same profiles was $1,736 with Progressive, or about $380 more. 

For this comparison, these driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis were a 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 speeding violation

Geico

$1,356.10

Progressive

$1,735.51

Geico and Progressive Car Insurance: Which Is Cheapest After an Accident?

Having an accident on your record will also raise your rates. The average study rate for our driver profiles with an accident was $1,691 with Geico, and $2,296 with Progressive. That’s more than $600 higher than we found with Geico for this demographic. 

To compare the rates offered by Geico and Progressive to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 accident

Geico

$1,691.06

Progressive

$2,296.26

Geico and Progressive Car Insurance: Which Is Cheapest After a DUI?

Driving under the influence can lead to more accidents, so insurance companies will raise rates for a DUI conviction too. How much those car insurance rates go up, though, depends on the company. 

Here, we saw an advantage with Progressive. Our driver profiles with a DUI faced a study rate of $1,757 on average with Progressive, compared to $2,806 with Geico. That’s a difference of about $1,050. The increase in study rates between profiles with a good record and those with a DUI was about $450 with Progressive, and almost $1,750 with Geico. 

We analyzed car insurance rates for a driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

With 1 DUI

Geico

$2,805.50

Progressive

$1,757.01

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about Geico, Progressive, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

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