Geico is cheaper for drivers with clean records. Progressive is the better choice if you have a DUI, multiple violations, or need SR-22 filing. Progressive's Snapshot program also rewards very safe drivers with discounts of up to 30 percent, making it worth considering even for clean-record drivers who want telematics savings.
Rate Comparison: Geico vs Progressive
| Driver Profile | Geico | Progressive | Cheaper Option |
|---|---|---|---|
| Clean record — 35, good credit | $1,168/yr | $1,442/yr | Geico |
| One speeding ticket | $1,471/yr | $1,773/yr | Geico |
| At-fault accident | $1,693/yr | $2,033/yr | Geico |
| DUI conviction | $2,125/yr | $2,523/yr | Geico |
| Young driver age 22 | $2,452/yr | $2,956/yr | Geico |
Winner on price: Geico offers lower average rates for most driver profiles. The difference is $274 per year on average.
Claims Satisfaction: Geico vs Progressive
Geico scores above the industry average on claims satisfaction with customers reporting fast claim payments and responsive adjusters.
Progressive scores below average on claims satisfaction, with customers citing inconsistent adjuster quality and longer-than-average processing times.
Winner on claims: Geico edges out the competition based on J.D. Power claims satisfaction data and customer feedback analysis.
Final Verdict: Geico vs Progressive
Overall winner: Geico for clean records.
Geico is cheaper for drivers with clean records. Progressive is the better choice if you have a DUI, multiple violations, or need SR-22 filing. Progressive's Snapshot program also rewards very safe drivers with discounts of up to 30 percent, making it worth considering even for clean-record drivers who want telematics savings.
Before committing to either Geico or Progressive, we strongly recommend getting quotes from both companies plus at least 2 additional insurers. The 10-minute comparison process regularly reveals savings of $400 to $2,000 per year.