Independent comparison. Not affiliated with Progressive or Geico.
Average Rates by Driver Profile So You Know Which to Quote First
Updated 30 March 2026
National average: Progressive $1,600/year vs Geico $1,400/year. But your profile changes everything. Drivers with accidents save more on Progressive. Clean records save more on Geico. Military members save the most on Geico.
$1,600
National avg/year
Better for: imperfect records, bundling
$1,400
National avg/year
Better for: clean records, military
Coverage Options Compared
| Coverage | Progressive | Geico |
|---|---|---|
| Liability | Yes | Yes |
| Collision | Yes | Yes |
| Comprehensive | Yes | Yes |
| Uninsured motorist | Yes | Yes |
| Pet injury coverage | Yes (unique) | No |
| Gap insurance | Yes | Yes |
| Mechanical breakdown | No | Yes (unique) |
| Rideshare coverage | Separate policy | Integrated |
| Rental reimbursement | Yes | Yes |
| Name Your Price tool | Yes (unique) | No |
Discount Programs
Progressive Discounts
- Snapshot (usage-based, up to 30% off)
- Multi-policy bundle (5-15%)
- Multi-vehicle (up to 10%)
- Homeowner (5%)
- Continuous coverage (5%)
- Paperless and autopay (5-10%)
- Good student (up to 10%)
- Paid in full (7%)
Geico Discounts
- Military/federal employee (up to 15%)
- Multi-policy (up to 10%)
- Multi-vehicle (up to 10%)
- Good driver (up to 26%)
- Good student (up to 15%)
- Anti-theft device (up to 25%)
- Airbag (up to 30%)
- DriveEasy telematics (up to 30%)
Bundling Comparison
Progressive offers in-house home insurance, making bundling straightforward. When you bundle home and auto with Progressive, you typically save 5% to 15% on both policies. The process is handled entirely through Progressive, simplifying claims and billing.
Geico does not underwrite home insurance. Instead, they partner with companies like Travelers, Nationwide, and Liberty Mutual to offer bundled quotes. The discount is comparable (5% to 15%) but you end up with two separate insurance companies for claims purposes. For simplicity-minded customers, Progressive bundling is easier to manage.
Rate Estimator
Get an estimated rate range to know which insurer to quote first. Always get real quotes from both.
Progressive
$1,400/yr
$117/month estimated
Geico
CHEAPER$1,250/yr
$104/month estimated
Geico is estimated $150/yr cheaper for your profile.
Always get real quotes from both insurers.
Average Rates by Driver Profile
Clean record, 30 years old
Geico cheaper by $150/yr
One at-fault accident, 25 years old
Progressive cheaper by $300/yr
Teen driver on family policy
Geico cheaper by $200/yr
Senior driver, 65+
Geico cheaper by $150/yr
Military member
Geico cheaper by $300/yr
DUI on record
Progressive cheaper by $900/yr
New driver, no history
Geico cheaper by $200/yr
Frequently Asked Questions
Is Progressive or Geico cheaper?
On average, Geico is $200 per year cheaper for drivers with clean records ($1,400 vs $1,600 nationally). However, Progressive is often cheaper for drivers with accidents, tickets, or DUIs because their Snapshot telematics program rewards safe driving regardless of history. Military members save the most with Geico's 15% military discount.
Does Progressive Snapshot really lower rates?
Yes. Snapshot monitors your driving behavior including hard braking, time of day you drive, and miles driven. Safe drivers can save up to 30% on their premium. The key advantage: Snapshot evaluates your current driving, not your history. Drivers with past accidents who now drive safely can see significant discounts that are not available from Geico.
Does Geico offer a military discount?
Yes. Geico offers up to 15% off for active duty, retired military, National Guard, Reserves, and federal government employees. This is one of the largest military discounts in the insurance industry and consistently makes Geico the cheapest option for military-connected drivers.
Which has better coverage options?
Both offer standard auto coverage: liability, collision, comprehensive, uninsured motorist, and PIP. Progressive uniquely offers pet injury coverage, gap insurance for leased vehicles, and the Name Your Price tool. Geico uniquely offers mechanical breakdown insurance (an alternative to extended warranties) and integrated rideshare coverage.
Should I get quotes from both?
Yes, always. No comparison site can replace actual quotes because rates depend on your exact profile, vehicle, and location. Getting quotes from both Progressive and Geico takes about 15 minutes each online and gives you the accurate numbers for your specific situation. Also quote at least one additional insurer (State Farm, Allstate, or USAA if eligible).
Which company has better claims satisfaction?
Both rate above industry average for claims satisfaction. Geico tends to score slightly higher on claims handling speed, typically contacting policyholders within 24 hours. Progressive scores slightly higher on communication clarity during the claims process. Neither company has significant negative claims reputation.
Can I bundle home and auto insurance?
Progressive offers in-house home insurance through their HomeQuote Explorer, making bundling straightforward with typical savings of 5% to 15%. Geico does not underwrite home insurance directly but partners with other companies to offer bundled policies. Progressive's in-house option is simpler for bundling.
Which has a better mobile app?
Both have top-rated mobile apps. Progressive includes Snapshot driving analysis, digital ID cards, claims filing, and payment management. Geico includes virtual ID cards, claims photo upload, roadside assistance requests, and a notably clean UX. Geico's app is rated slightly higher in app store reviews (4.8 vs 4.7 stars).