Paperwork in front of a car crash
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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.

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Geico vs. Progressive: Which Is Cheaper?

Of the 10 nationwide insurance companies we looked at, Geico had some of the lowest car insurance rates. Progressive’s rates were square in the middle of the group. The overall average for Geico’s rates was $3,215, while Progressive’s was $4,035, about $820 more.

Though this comparison focuses mainly on car insurance rates, we also looked at how satisfied car insurance customers are with their auto insurance company. For more information, check out our full ranking of the best car insurance companies, and learn what real customers say about Farmers, Allstate, and their competitors.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 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. The rates shown here are for comparative purposes only. Individual rates will differ.

We also 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.

Geico

  • Filing a claim is easy
  • Second-cheapest car insurance company, on average

Progressive

  • Makes it easy to compare rates
  • Rates are about average
  • Decent customer satisfaction

Geico Auto Insurance Information

The Geico gecko has been telling us for years that 15 minutes could save you 15 percent or more on car insurance. Geico’s national average rates are among the lowest in the country. That’s contributed to its growing market share. At the end of 2017, Geico was the second-largest insurance company with 12.83 percent 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 Geico to a friend, and 70 percent said they were likely to renew their policy. Though Geico scored well in most categories, respondents were hesitant to give it the highest marks for overall satisfaction.

Progressive Auto Insurance Information

Progressive is known for showing you its competition's rates along with its own, thanks to help from friendly spokesperson Flo. That helped Progressive move past Allstate in 2017 to become the third-largest insurer in the nation, with 9.88 percent of the market.

People in our survey seemed equally satisfied with the ease of filing a claim and Progressive’s customer service. About 60 percent 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 Teens?

Company

Single 17-year-old female

Single 17-year-old male

Geico

$5,653.55

$6,278.96

Progressive

$8,689.95

$9,625.49

On average, Geico has cheaper car insurance rates than Progressive for teen drivers. Geico’s average rate for a 17-year-old female is $5,654, while Progressive’s average rate for the same demographic is $8,690. For a male of the same age, Geico’s average rate is $6,279, and Progressive’s is $9,625. In each case, Progressive’s rates are more than $3,000 higher.

Geico has several discounts available to students, though they vary by state. Maintaining a B average or better at school or belonging to a student organization can lower your auto insurance rate with Geico. Progressive offers a good student discount and a teen driver discount for new drivers added to their parents’ policy.

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

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Geico

$2,262.87

$2,312.38

$2,283.45

Progressive

$2,758.66

$2,175.27

$2,048.63

Car insurance rates drop fast when you turn 25. At Geico, the average rate for a 25-year-old male is $2,263, and at Progressive it’s $2,759. That’s only about $500 more, which is a much smaller gap than the teen rates.

When male drivers turn 35, the tables turn and Progressive becomes the less expensive car insurance choice by about $140. Geico’s average for this demographic is $2,312, and Progressive’s is $2,175. The trend continues for 60-year-old males, where Geico’s average auto insurance rate is $2,283, and Progressive’s is $2,049 – a difference of $234.

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

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Geico

$2,378.89

$2,302.89

$2,247.06

Progressive

$2,697.73

$2,296.90

$1,991.49

Female drivers also see car insurance rates drop at age 25. The average for this demographic is $2,379 with Geico. With Progressive, it’s $2,698, which is about $320 more than Geico.

These two companies have nearly identical rates for 35-year-old female drivers. Progressive’s average rate is $2,297, and Geico’s is $2,303. That’s a barely noticeable $6 difference.

Progressive has the cheaper car insurance rates for 60-year-old female drivers. Its average rate is $1,991, while Geico’s is $2,247. Drivers could save about $250 with Progressive.

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

Company

12,000 miles annually

Geico

$3,267.37

Progressive

$4,041.01

If you put 12,000 miles on your odometer – a fairly common amount in the United States – you'll pay $3,267 on average with Geico. The average at Progressive is about $775 more, at $4,041.

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

Company

6,000 miles annually

Geico

$3,162.64

Progressive

$4,030.02

If you drive half as much, car insurance rates are lower, but not by half. For drivers who put 6,000 miles on their car each year, Geico has an average car insurance rate of $3,163. Progressive’s average rate for these drivers is $4,030, about $870 more than Geico.

With both companies, there is little difference between the high- and low-mileage average rates. With Progressive, the difference is only about $10.

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

Company

Good credit

Geico

$2,434.82

Progressive

$3,628.85

Drivers with a good credit history will receive the lowest auto insurance rates, and between these two companies, Geico is significantly cheaper. With Geico, the average rate for those with good credit is $2,435. Progressive’s average car insurance rate for drivers with good credit is $3,629, or about $1,200 more.

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

Company

Poor credit

Geico

$4,259.50

Progressive

$4,737.64

Those with poor credit typically pay more for car insurance. Geico's average rate for these drivers is $4,260, while Progressive’s average is $4,737. Drivers with poor credit will save about $475 by going with Geico over Progressive.

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

Company

Clean record

Geico

$2,145.96

Progressive

$3,393.09

Geico’s average car insurance rates for drivers with a clean record are less expensive than Progressive’s by more than $1,200. Geico’s average auto insurance rate for good drivers is $2,146, while Progressive’s is $3,393.

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

Company

With 1 speeding violation

Geico

$2,645.43

Progressive

$4,002.28

Speeding is more likely to lead to an accident, and insurance companies raise rates to reflect that fact. For a driver with a speeding ticket on their record, Geico is much cheaper than Progressive, with an average car insurance rate of $2,645. Progressive’s rate for a driver with a ticket is $4,002, about $1,350 more.

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

Company

With 1 accident

Geico

$3,192.77

Progressive

$4,777.04

Having an accident on your record will also raise your rates. Geico’s average car insurance rate for someone with an accident is $3,193, while Progressive’s is $4,777. That’s nearly $1,600 more than Geico’s rate for this demographic.

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

Company

With 1 DUI

Geico

$4,875.87

Progressive

$3,969.65

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.

Progressive's average auto insurance rate for a driver with a DUI is $3,970, which is only about $575 more than its rate for drivers with a clean driving record. Geico levies a much harsher penalty for a DUI, with an average rate of $4,876. That’s about $900 more than Progressive’s rate and about $2,700 more than Geico’s average rate for a driver with a clean record.

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. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.