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Geico vs Progressive: Which Car Insurance is Better?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 13, 2021

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CarInsuranceComparison.com is a free independent consumer comparison website and is not affiliated with Geico. To get a Geico auto insurance quote please visit geico.com. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save!

Everyone knows that Geico and Progressive are the two largest online insurers in the U.S. But what makes one better than the other? Let’s compare and contrast both companies and see if one floats to the top.

Geico vs Progressive: What are their coverages and ratings?

The table below compares industry ratings for value, claims service, and customer service for drivers, as well as some of the optional coverages offered by both Geico and Progressive insurance.

Geico vs Progressive
Geico Progressive
Total rating 87.8/100 90.1/100
Value for Price 79/100 88/100
Claims Rank 95/100 83/100
Client Services 89/100 94/100
Market share percentage 11.4% 8.8%
Customer recommendation 87% 88%
Mechanical breakdown insurance Yes Yes
Usage-based insurance No Yes
Accident forgiveness Yes Yes
Rideshare coverage Yes Yes
New car replacement insurance No No
Roadside assistance Yes Yes
Where you can buy Can buy online or use a Geico agent Online or from independent agents
Number of agents 150+ 30,000+
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Each company offers property damage liability coverage, collision coverage, comprehensive coverage, GAP insurance, personal injury protection, renters insurance, mechanical breakdown coverage, and many more insurance products.

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Geico vs Progressive Policy: Which offers better discounts?

Everyone likes discounts, especially when talking about car coverage. Geico and Progressive both offer a good selection of discounts to help you save money, and the list below shows some of the discounts that are available with each insurer.

Geico vs Progressive: Auto Insurance Discounts
Discount Geico Progressive
Bundle discount Yes Yes
Multi-vehicle Yes Yes
Anti-theft Yes Yes
Anti-lock brakes Yes No
Air bags Yes No
New vehicle Yes No
Accident-free Yes Yes
Defensive driver training Yes Yes
Military Yes Yes
Affinity/occupation No No
Pay in full No Yes
Automatic payment No Yes
Brand loyalty Yes Yes
Early sign-up No No
Smart student Yes Yes
Student away from home Yes Yes
Homeowner No Yes
Seat belt use No No
Online quote discount No Yes
Teenage driver No Yes
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Viewing the tables above, you can see that offerings are similar between both Geico and Progressive. If car insurance discounts are your thing, each insurance company offers a slightly different choice of discounts, but discounts generally do not apply to your entire policy premium. Rather, they usually take a percentage off a specific coverage depending on the discount.

Should you check online or with a local insurance agent?

Progressive differs a little bit from Geico in how they sell car insurance. Progressive not only sells online, but they also offer coverage through a network of independent agents. Geico has a small number of agents in relation to Progressive, but they have a larger online marketshare. So if you prefer to work with a local agent, stop in to your local independent agent and inquire if they offer Progressive as an option.

Is Geico or Progressive cheaper?

If the cheapest car insurance is your objective, then Geico may be the best choice. Out of the top five largest auto insurance companies, Geico was the cheapest at around $1,100 a year. Progressive was second at about $1,240 a year. Farmers, State Farm, and Allstate rounded out the top five at $1,250, $1,325, and $1,570, respectively.

Who has the best claims service?

If the best claims process experience is your goal, it’s pretty much a wash. Both Geico and Progressive lagged behind Allstate, Farmers, and State Farm when it came to customer satisfaction with their property damage or bodily injury claim settlements.

Are both solid financially?

There are a lot of different ways to compare Geico and Progressive, but the two companies are so similar that you really cannot go wrong with either one. They are both solid financially, with good ratings with both A.M. Best and Standard & Poor’s. So you will not have to worry about either one going insolvent and not being able to pay your auto claim.

How can you compare rates?

If you want the best auto insurance comparison, we recommend you not only compare Geico with Progressive but include some independent agents and also exclusive agents like State Farm and Allstate in the mix. Each one has unique discounts and coverages that may lend themselves well to a drivers personal risk profile.

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