Luis Pazos 
Geico and Progressive are two big names in the insurance world, offering various types of insurance like auto, homeowners, renters, and umbrella insurance. They both have a bunch of discounts that can lower your premiums, and you can easily get a free car insurance quote online from either company.
In our comparisons, Geico often offers cheaper car insurance rates than Progressive for various driver profiles. Geico also has more discounts, though Progressive boasts more coverage options to customize your policy.
Geico Car Insurance
Founded in 1936, Geico offers affordable car insurance with great customer service and a highly-rated mobile app. Their standard policies include bodily injury, property damage, and uninsured motorist coverage. You can add collision, comprehensive, medical coverages, roadside assistance, rental reimbursement, mechanical breakdown, and rideshare insurance to customize your policy.
Progressive Car Insurance
Since its start in 1937, Progressive has expanded beyond car insurance to offer a variety of products. They provide standard coverage options like bodily injury and property damage liability. Possible add-ons include comprehensive, collision, uninsured/underinsured motorist, medical payments, loan/lease payoff, rental car reimbursement, custom parts/equipment value, rideshare coverage, and roadside assistance.
Geico vs Progressive Car Insurance Quotes
We compared quotes for different drivers (23-year-old and 53-year-old males and females) in Houston, Texas, with a 2018 Toyota Camry driving 12,000 miles per year. Geico’s quotes were generally cheaper across all profiles and coverage tiers compared to Progressive.
Geico vs Progressive Car Insurance Discounts
Discounts play a significant role in reducing your car insurance rates. Both companies allow you to stack discounts for more savings.
Geico vs Progressive Customer Satisfaction
We checked J.D. Power’s 2023 U.S. Auto Insurance Study, which showed Geico performing better in customer satisfaction than Progressive in nearly all regions. Geico also scored higher in the J.D. Power’s 2023 U.S. Auto Insurance Claims Satisfaction Study.
Geico vs Progressive: Which Is Better Overall?
To decide between Geico and Progressive, get quotes from both. Even though Geico often has lower premiums, your specific details might yield different results. Consider the coverages, the discounts, and the overall service you prefer.
When to Choose Geico
- You can access more discounts, especially if you’re a federal employee or belong to certain organizations.
- You prefer a straightforward online purchase process.
- You want a top-rated mobile app.
- Geico’s quotes are cheaper for your profile.
When to Choose Progressive
- You need gap insurance (not offered by Geico).
- You want discounts for paperless billing or paying premiums upfront.
- You prefer to buy insurance through a local agent.
- Progressive’s quotes are cheaper for your profile.
The Bottom Line
Both Geico and Progressive are solid choices for car insurance. The best one for you depends on the coverages you need, discounts available to you, and the customer service experience you desire. Compare quotes from these and other companies to find the best deal for you.
