GEICO vs. Progressive: Which one is the cheapest?

GEICO costs an average of $405, while Progressive has average rates for state minimum coverage of $549.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, GEICO costs an average of $1,763. Progressive costs more at an average of $1,998.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverageAverage annual premium for liability-only (50/100/50) car insurance
GEICO$1,763$405$560
Progressive$1,998$549$709

GEICO vs. Progressive: Rates by age group

For a teen - one of the most expensive age groups to insure - GEICO has the cheapest rates, coming in at $5,049 per year. Progressive costs an average of $7,174 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest - and therefore most expensive - age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,776 at GEICO, while at Progressive the average rate for an adult is $2,009.

Age groupGEICOProgressive
Teens$5,049$7,174
Young adults$2,647$3,242
Adults$1,776$2,009
Seniors$1,787$2,000

GEICO vs. Progressive: Rates for high-risk drivers

Progressive offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.

For drivers with a DUI, Progressive is more affordable, with an average rate of $2,707.

Check out the table below to see how GEICO rates compare to Progressive rates for different driving violations.

Type of violationGEICOProgressive
1 At-fault property damage accident over $2K$3,155$3,119
1 At-fault property damage accident under $2K$3,147$3,103
At-fault bodily injury accident$3,320$3,126
Careless driving$2,447$2,936
DUI$4,504$2,707
Reckless driving$3,628$2,982
Speeding$2,831$2,650

GEICO vs. Progressive: Which is better rated?

When choosing an insurance company, it's important to consider more than just price. Customer service, claims processing and a good online experience also matter. Check out the table below to see how GEICO and Progressive ranked among the best car insurance companies of 2025.

Overall, GEICO received a score of 4.2, while Progressive scored 4.14.

RatingsProgressiveGEICO
NAIC0.650.91
AM BestA+A++
Average annual premium$1,992$1,764
Average monthly premium$166$147
Customer Satisfaction
3.9
4.1
Insurance.com score
4.1
4.2

GEICO vs. Progressive: Rates in your state

Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for GEICO and Progressive. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

StateGEICOProgressive
Alabama$1,625$2,402
Alaska$1,338$1,742
Arizona$1,312$1,903
Arkansas$1,794$2,431
California$1,919$2,179
Colorado$1,445$2,796
Connecticut$1,242$1,708
Delaware$1,695$1,999
Florida$2,214$2,902
Georgia$2,072$1,656
Hawaii$1,184$1,279
Idaho$1,174N/A
Illinois$1,178$1,412
Indiana$986$1,480
Iowa$1,716$1,589
Kansas$1,622$1,937
Kentucky$2,106$2,714
Louisiana$2,983$3,065
Maine$1,228$1,106
Maryland$1,262$1,895
Massachusetts$1,269$2,016
Michigan$1,553$2,069
Minnesota$2,495N/A
Mississippi$2,210$2,131
Missouri$3,217$1,960
Montana$2,382$2,414
Nebraska$2,372$1,964
Nevada$1,708$2,482
New Hampshire$1,212$1,343
New Jersey$1,563$2,187
New Mexico$1,406$1,557
New York$1,736$1,020
North Carolina$1,617$2,028
North Dakota$1,773$1,403
Ohio$1,373$1,626
Oklahoma$1,820$1,194
Oregon$1,683$1,765
Pennsylvania$2,308$2,193
Rhode Island$2,292$1,841
South Carolina$2,054$1,816
South Dakota$2,384$3,163
Tennessee$1,565$1,550
Texas$1,644$3,032
Utah$1,325$1,845
Vermont$1,276$926
Virginia$1,382$2,120
Washington$1,171$2,554
Washington, D.C.$1,408$1,488
West Virginia$2,248$1,825
Wisconsin$1,195$2,128
Wyoming$2,514N/A

GEICO vs. Progressive: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts GEICO and Progressive offer to their customers.

DiscountsProgressiveGEICO
Multi policy9%7%
Purchase statusN/A9%
Marital status12%7%
Daily commuteN/A6%
Lower annual mileage5%5%
Days advanced purchase4%N/A
Education4%12%
Homeowner4%12%
Loyalty3%3%
Safety devices3%2%
Electronic funds transfer3%N/A
Air bags1%2%
Payment type11%16%
Profession14%10%
Electronic signature10%N/A
Telematics10%10%
Anti-theft device0%1%
Paperless/electornic documents1%N/A

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

GEICO vs. Progressive: The bottom line

Both GEICO and Progressive are good insurance companies, but if getting the lowest rates is your priority, GEICO might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.