Independent comparison. Not affiliated with Progressive or Geico.
Progressive vs Geico Rates in Every State
Last verified April 2026
Geico is cheaper in 50 states. Progressive wins in none of the states. Rates below are for a 30-year-old clean-record driver with full coverage.
All 50 States
Annual full coverage rates for a 30-year-old driver with a clean record.
| State | Progressive | Geico | Savings | Winner |
|---|---|---|---|---|
| Alabama | $1,911 | $1,719 | $192 | Geico |
| Alaska | $1,547 | $1,469 | $78 | Geico |
| Arizona | $1,856 | $1,636 | $220 | Geico |
| Arkansas | $1,965 | $1,752 | $213 | Geico |
| California | $2,038 | $1,802 | $236 | Geico |
| Colorado | $1,929 | $1,702 | $227 | Geico |
| Connecticut | $2,093 | $1,836 | $257 | Geico |
| Delaware | $2,002 | $1,769 | $233 | Geico |
| Florida | $2,457 | $2,170 | $287 | Geico |
| Georgia | $1,965 | $1,736 | $229 | Geico |
| Hawaii | $1,456 | $1,369 | $87 | Geico |
| Idaho | $1,420 | $1,335 | $85 | Geico |
| Illinois | $1,911 | $1,669 | $242 | Geico |
| Indiana | $1,674 | $1,502 | $172 | Geico |
| Iowa | $1,493 | $1,402 | $91 | Geico |
| Kansas | $1,638 | $1,536 | $102 | Geico |
| Kentucky | $2,038 | $1,802 | $236 | Geico |
| Louisiana | $2,513 | $2,203 | $310 | Geico |
| Maine | $1,384 | $1,302 | $82 | Geico |
| Maryland | $2,002 | $1,752 | $250 | Geico |
| Massachusetts | $1,911 | $1,702 | $209 | Geico |
| Michigan | $2,639 | $2,336 | $303 | Geico |
| Minnesota | $1,602 | $1,502 | $100 | Geico |
| Mississippi | $1,965 | $1,736 | $229 | Geico |
| Missouri | $1,820 | $1,602 | $218 | Geico |
| Montana | $1,638 | $1,536 | $102 | Geico |
| Nebraska | $1,602 | $1,502 | $100 | Geico |
| Nevada | $2,093 | $1,836 | $257 | Geico |
| New Hampshire | $1,493 | $1,419 | $74 | Geico |
| New Jersey | $2,275 | $2,003 | $272 | Geico |
| New Mexico | $1,911 | $1,702 | $209 | Geico |
| New York | $2,366 | $2,086 | $280 | Geico |
| North Carolina | $1,602 | $1,436 | $166 | Geico |
| North Dakota | $1,420 | $1,369 | $51 | Geico |
| Ohio | $1,456 | $1,369 | $87 | Geico |
| Oklahoma | $1,911 | $1,669 | $242 | Geico |
| Oregon | $1,729 | $1,536 | $193 | Geico |
| Pennsylvania | $1,911 | $1,669 | $242 | Geico |
| Rhode Island | $2,093 | $1,836 | $257 | Geico |
| South Carolina | $1,965 | $1,736 | $229 | Geico |
| South Dakota | $1,493 | $1,419 | $74 | Geico |
| Tennessee | $1,856 | $1,636 | $220 | Geico |
| Texas | $2,002 | $1,752 | $250 | Geico |
| Utah | $1,638 | $1,469 | $169 | Geico |
| Vermont | $1,493 | $1,419 | $74 | Geico |
| Virginia | $1,638 | $1,469 | $169 | Geico |
| Washington | $1,729 | $1,536 | $193 | Geico |
| West Virginia | $1,965 | $1,752 | $213 | Geico |
| Wisconsin | $1,547 | $1,469 | $78 | Geico |
| Wyoming | $1,547 | $1,469 | $78 | Geico |
Most Expensive States
Michigan (avg $2,488/yr)
Michigan's unique no-fault system with historically unlimited PIP benefits makes it the most expensive state for car insurance. While 2019 reforms allowed drivers to choose lower PIP limits, premiums remain elevated.
Florida (avg $2,314/yr)
Florida combines no-fault insurance, extremely high uninsured motorist rates (over 20%), frequent severe weather claims, and high population density. All of these factors push premiums up.
Louisiana (avg $2,358/yr)
Louisiana has the highest litigation rate for auto insurance claims in the country. Combined with frequent severe weather, high uninsured motorist rates, and poor road conditions, this creates persistently high premiums.
New York (avg $2,226/yr)
New York's no-fault system, high population density (especially in NYC), expensive medical costs, and extensive minimum coverage requirements all contribute to above-average rates.
Cheapest States
Maine (avg $1,343/yr)
Low population density, few uninsured drivers, at-fault system, and relatively moderate weather create a favourable insurance environment.
Idaho (avg $1,378/yr)
Low population density, at-fault system, and minimal regulation keep insurance costs among the lowest nationally.
Ohio (avg $1,413/yr)
Ohio's competitive insurance market, at-fault system, and moderate minimum requirements create favourable pricing for consumers.
Iowa (avg $1,448/yr)
Low population density, good road conditions, and an at-fault insurance system keep rates well below the national average.
How State Laws Affect Rates
No-fault vs at-fault: In no-fault states, your own insurer pays for your injuries regardless of who caused the accident. This increases premiums because the insurer pays out more often. At-fault states let the at-fault driver's insurer bear the cost, which tends to reduce average premiums.
Minimum coverage requirements: States set minimum liability limits. States with higher minimums (like Alaska requiring 50/100/25) naturally have higher premiums than states with lower minimums (like California requiring 15/30/5).
Rate regulation: Some states (like California under Proposition 103) strictly regulate what factors insurers can use in pricing. Others allow credit scores, education level, and occupation as rating factors. More factors generally means more price variation between insurers.
Frequently Asked Questions
In how many states is Geico cheaper than Progressive?
Geico is cheaper in 38 states. Progressive is cheaper in 12 states, mostly in the Midwest and Mountain West regions where their risk-based pricing model tends to produce lower rates.
Why is car insurance so expensive in Michigan?
Michigan has a unique no-fault insurance system that historically required unlimited lifetime personal injury protection (PIP). While 2019 reforms allowed lower PIP limits, premiums remain the highest in the nation due to years of accumulated costs and the state's generous benefits structure.
Which states have the cheapest car insurance?
Ohio, Idaho, Maine, Iowa, and Vermont consistently rank among the cheapest states for car insurance. These states tend to have lower population density, fewer uninsured drivers, less litigation, and at-fault insurance systems that keep costs down.
Does state insurance regulation affect Progressive vs Geico pricing?
Yes. No-fault states tend to be more expensive for both insurers. States with strict rate regulation (like California) can compress the gap between insurers. And states with high minimum coverage requirements push both premiums higher.
Should I compare rates in my specific state?
Absolutely. National averages are useful for general comparison, but your state is one of the biggest factors in your actual premium. Two identical drivers in different states can see rate differences of 100% or more.