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Geico Vs. Progressive

When comparing Geico and <a class="wpil_keyword_link " href="" title="Progressive" data-wpil-keyword-link="linked">Progressive</a> car insurance, Geico proves itself to be superior due its better coverage and insurance services.

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09/21/2023 09:10 PM

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Purchasing a car insurance policy can be a significant undertaking, from doing the research to choosing the right company and plan for your needs. Geico and Progressive both rank high in our review of the best car insurance companies.

This review will provide you with a side-by-side comparison of Geico vs. Progressive insurance, looking at industry standing, costs, coverage, and more. When you’re shopping for car insurance, we recommend comparing your options and getting quotes from multiple providers.

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Geico Vs. Progressive: Ratings and Reviews

Geico and Progressive are both reputable and well-established car insurance providers. Both companies consistently rank well in consumer reviews and studies for customer satisfaction and the claims process.

Is Geico Or Progressive Better?

After our review of Geico vs. Progressive, Geico comes out on top. Although Progressive offers more insurance discounts for drivers, Geico has slightly higher customer satisfaction ratings. Both companies are affordable for drivers, with our cost estimates showing a difference of only a few dollars between their average rates.

Compare Geico And Progressive

Below you can compare Geico and Progressive overall rating scores. Both companies are great choices if you’re considering purchasing an auto insurance policy. The provider that’s best for you depends on your needs and your budget.

Rating Score Category Geico Rating Progressive Rating
Cost 4.5 4.5
Coverage 5.0 4.5
Reliability 5.0 5.0
Service 5.0 4.5
Overall Rating 5.0 4.5

Both companies are great choices if you’re considering purchasing an auto insurance policy. The provider that’s best for you depends on your needs and your budget.

Geico Vs. Progressive Reviews

Below is a comparison of industry reviews and rating scores for both Geico and Progressive:

Geico Progressive
Years in Business 85 84
AM Best Financial Strength Rating A++ A+
Better Business Bureau (BBB) Rating A+ NR
J.D. Power Claims Servicing Rating 869 856
Our Award Best Overall Provider Best Usage-Based Insurance

Geico Highlights

Geico has been in business since 1936 and is currently the second-largest insurance provider in the nation behind State Farm. The auto insurance giant offers every type of standard insurance, as well as mechanical breakdown insurance, emergency roadside assistance, and rental car reimbursement.

Geico holds an A++ rating from AM Best, which shows its ability to pay out customer claims. The company also has an A+ rating from the BBB. Geico’s financial strength, insurance coverage, and positive consumer standing are why we name it the Best Overall Provider in our review of the best car insurance companies.

Progressive Highlights

Progressive stands out from other insurers due to its Snapshot program, which is why we name it the Best Usage-Based Insurance. Snapshot monitors driving habits through a mobile app. If you drive safely, you qualify for additional discounts on your insurance premium.

In addition to the app, Progressive offers six types of standard insurance and several add-on policies like loan/lease payoff, custom parts and equipment value, and roadside assistance. Progressive has an A+ financial strength rating from AM Best, showing it quickly handles and responds to customer claims.

Geico Vs. Progressive: Cost Comparison

Geico and Progressive both score a 4.5-star rating out of 5.0 for affordability in our industry-wide car insurance review. Both companies offer competitive rates, and they’re evenly matched when it comes to price. However, Progressive offers more insurance discounts for drivers than Geico.

Geico Vs. Progressive Auto Insurance: Cost Comparison

According to our research, annual full coverage policies for good drivers cost about $1,356 with Geico, while policies from Progressive cost around $1,350. However, one provider may offer a cheaper rate for you depending on your driver profile. Here’s a closer look at Geico and Progressive average rates for different situations:

Driving Profile Factor Geico Rate Estimate Progressive Rate Estimate
In early 20s $1,627 $2,029
Has poor credit $2,077 $2,514
Has a recent car accident $2,427 $2,471
Has a recent speeding ticket $1,829 $1,794
Has a DUI $3,432 $2,106

Geico tends to have some of the lowest rates for young drivers, drivers with poor credit, and drivers who were in recent car accidents. Progressive’s cost estimates show that the insurer can be particularly attractive for drivers with recent speeding tickets or DUIs.

Geico Vs. Progressive Auto Insurance: Discount Comparison

Geico and Progressive both offer a wide range of discounts to help drive down the costs of insurance premiums. Here’s a comparison of the discounts each company offers:

Discount Geico Progressive
Good Student
Anti-Theft Device
Defensive Driver
Anti-Lock Brake System
New Vehicle
Good Driver
Membership and Employee
Emergency Deployment
Federal Employee
Pay in Full
Continuous Coverage
Teen Driver
Distant Student
Online Quote
Sign Online
Automatic Payment

Progressive offers more discounts than Geico. You should always check with providers to see how many discounts you qualify for. Comparing quotes will help you know which insurance plan is cheaper for you.

Geico Vs. Progressive: Coverage Comparison

Geico and Progressive provide standard insurance coverage in all 50 states. Coverage options include: 

  • Bodily injury liability: This insurance covers other drivers and their passengers in accidents you cause.
  • Property damage liability: This covers damage to other vehicles in accidents you cause.
  • Collision: This standard insurance covers damage to your vehicle no matter who is at fault in an accident.
  • Comprehensive: This insurance coverage protects your vehicle from environmental factors such as floods, fires, and fallen tree branches, as well as incidents like theft and vandalism.
  • Personal injury protection (PIP): This covers medical expenses, lost wages, and death benefits for you and your passengers in the event of an accident, no matter who is at fault.
  • Medical payments (MedPay): This covers medical expenses for you and your passengers.
  • Uninsured/underinsured motorist: This insurance covers you when you are in an accident with a driver who has no insurance or too little insurance.

Geico Vs. Progressive Auto Insurance: Additional Coverage Comparison

In addition to these coverage options, Geico and Progressive offer several types of add-on coverage. This can often be a deciding factor for drivers when they’re choosing insurance companies, especially if they are looking for full coverage insurance protection.

Here’s a look at the extra coverage options Progressive and Geico offer: 

Coverage Plan Geico Progressive
Emergency Roadside Assistance
Rental Car Reimbursement
Mechanical Breakdown Insurance
Loan/Lease Payoff
Custom Parts and Equipment Value
Rideshare Coverage

Geico Vs. Progressive Auto Insurance: Usage-Based Program Comparison

Geico and Progressive both offer usage-based insurance programs for drivers. The technology is meant to help keep drivers safe on the road and provide discounts on insurance policies.

Geico: DriveEasy

Geico’s DriveEasy program monitors driving habits such as phone use, hard braking, and cornering. Safe drivers can receive better rates when they participate in the program.

The DriveEasy app currently has a 2.2-star rating out of 5.0 on Google Play, averaged from more than 550 reviews. Complaints consistently discuss issues with the app not working while users drive and issues with receiving the actual discount. The app has a 2.3-star rating out of 5.0 on the App Store.

Progressive: Snapshot

Progressive offers a usage-based insurance program known as Snapshot. Snapshot monitors driving habits through a mobile app and personalizes car insurance rates depending on how safely you drive. Drivers typically get an automatic discount just for participating and a new auto insurance rate at renewal, depending on their results.

Snapshot has a 3.9-star rating out of 5.0 from more than 9,000 reviews on Google Play. Some complaints detail issues with the app’s user interface and ease of use. The app has a 4.6-star rating out of 5.0 on the App Store, averaged across more than 3,000 reviews. 

Geico Vs. Progressive: Service Comparison

Geico narrowly edges Progressive out when it comes to customer satisfaction and the claims process. Geico scored 869 out of 1,000 points in the J.D. Power 2021 U.S. Insurance Shopping Study℠, while Progressive scored toward the bottom with 856 points. The study captures insights into each stage of the insurance shopping funnel.

Geico has an A++ (Superior) rating from AM Best, while Progressive has an A+ rating. Both auto insurance companies have proven their ability to consistently pay out claims to customers.

While both companies have high ratings across consumer websites, Geico and Progressive have low BBB customer ratings. Geico has a 1.1-star rating out of 5.0, with over 800 complaints in the past year. Progressive has a 1.1-star rating out of 5.0 with over 1,100 complaints in the past year. While this may seem concerning, the number of complaints and negative reviews is average for companies of this size.

Geico Or Progressive: Conclusion

Overall, when it comes to a decision between Geico or Progressive, Geico is the better choice. Geico is extremely comparable to Progressive in terms of coverage options and affordability, but its service ratings and its superior discount options put it ahead.

Even with this in mind, the best provider for you really depends on what you need for your insurance needs. We recommend getting quotes from both of these providers as well as others so you can find the best deal for you.

Geico and Progressive Competitors: Top Picks

Geico and Progressive are not your only options for car insurance. We recommend comparing all your options before selecting an insurance provider. You should consider reaching out to State Farm and USAA for insurance quotes. Both companies rank highly in our review of the best car insurance companies.

USAA: Best For Military Families 

USAA is a top-rated insurer that’s provided coverage to drivers since 1922. USAA membership is only available to members of the U.S. armed forces, veterans, and their families. The company offers some of the best rates in the car insurance industry for good drivers with clean driving records.

The company offers six standard types of insurance, along with add-on coverage options including roadside assistance, rental reimbursement, car replacement assistance, accident forgiveness, and rideshare insurance.

Learn more about the provider in our USAA insurance review.

State Farm: Best For Student Drivers 

State Farm is the largest car insurance company in the nation. Its policies are sold through a nationwide network of local State Farm insurance agents. The insurer’s rates are typically some of the lowest in the industry but are especially low for high-risk drivers.

State Farm offers standard insurance, as well as emergency roadside assistance and rideshare driver coverage in most locations. The company also offers a wide variety of discounts to help policyholders lower their insurance premiums.

Read our State Farm insurance review for more information.

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Geico Vs. Progressive Insurance: FAQ

Is Geico less expensive than Progressive?

Yes, Geico is typically less expensive than Progressive. However, rates can fluctuate depending on your driver profile, your vehicle, and the amount of coverage you want to purchase.

Is Geico good about paying claims?

Yes, Geico was awarded an A++ financial strength rating from AM Best. This shows that the company handles and pays out claims promptly.

What are the best car insurance companies?

We named Geico, USAA, Progressive, State Farm, and Allstate the best car insurance companies in the nation based on cost, coverage, reliability, and service.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.