Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 1, 2021

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To Sum It Up

  • GEICO has lower rates than Progressive
  • GEICO is rated better than Progressive by A.M. Best
  • GEICO has more discounts than Progressive
  • Progressive has more coverage options than GEICO

GEICO and Progressive offer affordable auto insurance for military veterans. Examining the specifics of these companies shows that GEICO has lower rates and better ratings, but Progressive provides more types of coverage.

Comparing GEICO vs. Progressive will help you decide which company is best.

Before starting this GEICO vs. Progressive comparison, enter your ZIP code to find the best auto insurance quotes in your area.

GEICO vs. Progressive: What are their annual rates?

Comparing affordable GEICO vs. Progressive auto insurance rates will help you find the most cost-effective option. The following chart shows the average annual GEICO quote and Progressive quote for different age groups.

Allstate vs. Farmers Average Monthly Rates Based on Driving Infractions
Driving Record InfractionsAllstateFarmers
At-fault Accident with less than $1,000 in damage$190$142
At-fault accident with more than $1,000 in damage$250$195
DWI/DUI$303$270
Reckless Driving$282$386
Speeding$188$170
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As you can see, the average GEICO auto insurance quote is lower than the corresponding Progressive quote, and rates decrease as drivers age.

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GEICO vs. Progressive: What coverages are available?

Examining the available coverages is a good way to determine whether to buy GEICO vs. Progressive auto insurance. GEICO and Progressive offer similar coverages with a few differences.

Coverages offered by GEICO and Progressive include:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Uninsured/underinsured motorist
  • Collision
  • Comprehensive
  • Rental car reimbursement
  • Rideshare insurance

In addition to these coverages, Progressive offers multiple other options. Additional coverages offered by Progressive include:

  • Loan/lease payoff
  • Custom parts and equipment value
  • Deductible savings bank

A unique coverage offered by GEICO is mechanical breakdown insurance. While the two companies provide similar coverages, Progressive has more options than GEICO.

Those looking for GEICO or Progressive commercial auto insurance can rest assured that these coverages are available as well.

GEICO vs. Progressive: What discounts are available?

Auto insurance companies offer various discounts that allow customers to create more affordable policies. Comparing GEICO vs. Progressive auto insurance company discounts will help you determine who can give you the best deal.

GEICO offers more discounts than most competitors. Discounts provided by GEICO include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft
  • Anti-lock brake system
  • Airbags
  • Good driver
  • Defensive driver
  • Military

Discounts offered by Progressive include:

  • Student away at school
  • Pay in full
  • Homeowner
  • Telematics

Examining GEICO and Progressive discount car insurance shows that GEICO provides more opportunities to save. GEICO also offers a military discount, something missing from Progressive’s discount opportunities.

GEICO vs. Progressive: What are their financial ratings?

Credit rating agencies review and rate auto insurance companies based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file Progressive or GEICO claims.

GEICO has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These are superior ratings and are among the best in the industry.

Progressive has been rated an A+ by A.M. Best, an Aa by Moody’s, and an AA by S&P. These ratings are not as high as GEICO’s but indicate that Progressive is financially strong.

While GEICO has better financial ratings than Progressive, both companies have the financial strength to provide a payout when you file a claim.

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GEICO vs. Progressive: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine complaints made about insurance companies. The organizations have received complaints about GEICO and Progressive.

At the time of this comparison, the BBB has received 2,770 complaints about GEICO over the past three years. The company’s NAIC complaint index ratio of 1.42 indicates that GEICO has more complaints than a similarly-sized company.

The BBB has received 2,825 complaints about Progressive over the past three years. According to the NAIC, Progressive has a complaint index ratio of 1.05, indicating a slightly higher volume of complaints than competitors of a similar size.

GEICO has fewer complaints than Progressive with the BBB, but Progressive has a lower NAIC index rating due to the company’s size. Looking at the individual complaints will help you determine how they might affect you.

GEICO vs. Progressive: Do they offer roadside assistance?

Roadside assistance might be a determining factor for customers looking to compare GEICO vs. Progressive auto insurance quotes. Both companies offer roadside assistance, allowing customers to receive support that includes:

  • Towing
  • Locksmith assistance
  • Battery support
  • Flat tire replacement

GEICO offers roadside assistance to all customers for $14 per year. Progressive only provides this coverage to customers that purchase collision and comprehensive coverage.

GEICO vs. Progressive: Do they have mobile apps?

You can access the GEICO app or Progressive app on any mobile device. Entering your GEICO login or Progressive login will allow you to access digital ID cards, request roadside assistance, access policy information, and make payments.

Digital ID cards are acceptable when proof of insurance is required, but it’s a good idea to also have a physical copy on hand should you not be able to access the internet.

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GEICO vs. Progressive: The Bottom Line

The decision between GEICO and Progressive auto insurance depends on the individual customer. GEICO has lower rates, more discounts, and better financial ratings, but Progressive offers more coverages.

Comparing GEICO vs. Progressive will help you determine the best option.

Now that you’ve compared GEICO vs. Progressive, enter your ZIP code to discover the top auto insurance rates in your area.