GEICO vs. Progressive: Which offers the cheapest auto insurance rates?

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.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average 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

Teen drivers pay the highest car insurance rates. GEICO offers the cheapest car insurance rates for teen drivers at $5,049 per year. On the other hand, Progressive offers car insurance rates at an average of $7,174 annually.

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 group	GEICO	Progressive
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 has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.

Take a look at the table below for GEICO rates compared to Progressive rates.

Type of violation	GEICO	Progressive
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 carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how GEICO and Progressive scored among the best car insurance companies of 2025.

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

Ratings	Progressive	GEICO
NAIC	0.65	0.91
AM Best	A+	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 are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from GEICO and Progressive. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.

State	GEICO	Progressive
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	$1,174	N/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	$2,495	N/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	$2,514	N/A

GEICO vs. Progressive: Which offers better discounts?

Discounts are a great way to save money on your annual insurance premiums. Below are some of the discounts that GEICO and Progressive offer to their customers.

Discounts	Progressive	GEICO
Multi policy	9%	7%
Purchase status	N/A	9%
Marital status	12%	7%
Daily commute	N/A	6%
Lower annual mileage	5%	5%
Days advanced purchase	4%	N/A
Education	4%	12%
Homeowner	4%	12%
Loyalty	3%	3%
Safety devices	3%	2%
Electronic funds transfer	3%	N/A
Air bags	1%	2%
Payment type	11%	16%
Profession	14%	10%
Electronic signature	10%	N/A
Telematics	10%	10%
Anti-theft device	0%	1%
Paperless/electornic documents	1%	N/A

When shopping for car insurance, always ask about available discounts to see which ones you qualify for.

GEICO vs. Progressive: The bottom line

Both GEICO and Progressive are solid insurance companies, but if rates are what matter most to you, GEICO may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: