Is GEICO actually cheaper than Progressive?

Yes, for the majority of drivers. Quadrant Information Services 2024 data puts GEICO's national average full-coverage premium at $1,353/year vs. Progressive's $1,633 — a $280 structural gap. The exception is high-risk profiles: drivers with a recent at-fault claim, a DUI, or a sub-650 credit-based insurance score often see Progressive return cheaper quotes because its underwriting model is more lenient for those segments.

Which is better for a DUI: GEICO or Progressive?

Progressive, by a wide margin. GEICO's underwriting typically non-renews policyholders with a DUI on their record and is one of the strictest carriers about taking on new applicants with a DUI in the prior 3 years. Progressive accepts DUI applicants at most renewal points (subject to state law) and the surcharge is typically 50-80% rather than the 100-150% you'd see at the few carriers that even quote you. SR-22 filings are also faster with Progressive.

Are GEICO and Progressive financially stable?

Both are top-tier on financial strength. GEICO carries an AM Best A++ Superior rating (highest possible); Progressive carries A+ Superior (second-highest). Either carrier will be able to pay your claim. Financial strength is essentially a non-factor when choosing between these two — both have decades of consistent profitability and reserves comfortably above regulatory minimums.

Should I bundle home insurance with GEICO or Progressive?

Progressive, almost always. GEICO does not sell its own homeowners insurance — it brokers policies to third-party carriers (typically Liberty Mutual or Travelers), so the bundle discount is marketing-only. Progressive sells its own home + renters insurance and the bundle discount typically saves 8-12% on auto + 5% on home. If you need a true bundle discount on auto+home, Progressive is the cleaner answer.

Auto Insurance · Head-to-head

GEICO vs Progressive: Which auto insurance wins?

Name: GEICO — Auto Insurance
Brand: GEICO
Rating: 4.6 (1 reviews)

Side-by-side comparison of GEICO and Progressive auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.

Best overall value

GEICO

4.6·$1,353/yr full

Consistently cheapest national carrier for clean-record drivers under 65. App + online flow is the smoothest in the industry — most users get a binding quote in under 8 minutes without speaking to an agent. Military / federal employee discounts stack with the standard multi-policy save.

Best for high-risk drivers

Progressive

4.4·$1,633/yr full

Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.

Editor's verdict

GEICO wins on price; Progressive wins for high-risk + bundling.

GEICO's 2024 average full-coverage premium of $1,353/year beats Progressive's $1,633/year for clean-record drivers — a $280/year structural gap that holds across most credit tiers. Progressive flips the script for drivers with a recent at-fault accident, a DUI, or a poor credit-based insurance score: its underwriting model is the most forgiving among the top 5 carriers, and its 'Name Your Price' tool genuinely surfaces cheaper liability-only quotes. Verdict: clean record + good credit → GEICO. At-fault claim, DUI, sub-650 credit, or bundling auto + renters/home → Progressive.

GEICO is $280/year cheaper on average for clean-record drivers (Quadrant 2024).
Progressive is the most forgiving carrier on at-fault claims, DUIs, and poor credit scores.
Both rate A+ or A++ on AM Best — financial strength is a non-factor in this comparison.
Progressive's Snapshot telematics program offers up to 30% discount; GEICO's DriveEasy caps at 25%.
GEICO's customer satisfaction (J.D. Power 4.6/5) edges Progressive (4.4/5) — but both are above industry median.

Side-by-side breakdown

Feature	GEICO	Progressive
Avg full-coverage premium	$1,353/yr	$1,633/yr
Avg liability-only premium	$467/yr	$632/yr
A.M. Best financial strength	—	—
Best for	good credit · low mileage	high risk · dui
Overall rating	4.6/5	4.4/5
Price & savings score (40%)	4.7	4.3
Coverage strength score (25%)	4.5	4.5
Quote & buy experience (20%)	4.7	4.4
Claims & support score (15%)	4.4	4.3

Avg full-coverage premium

GEICO

$1,353/yr

Progressive

$1,633/yr

Avg liability-only premium

GEICO

$467/yr

Progressive

$632/yr

A.M. Best financial strength

GEICO

—

Progressive

—

Best for

GEICO

good credit · low mileage

Progressive

high risk · dui

Overall rating

GEICO

4.6/5

Progressive

4.4/5

Price & savings score (40%)

GEICO

4.7

Progressive

4.3

Coverage strength score (25%)

GEICO

4.5

Progressive

4.5

Quote & buy experience (20%)

GEICO

4.7

Progressive

4.4

Claims & support score (15%)

GEICO

4.4

Progressive

4.3

Editor verdicts

Why we rate GEICO 4.6/5

Read the full GEICO review

Why we rate Progressive 4.4/5

Read the full Progressive review

Who should pick which?

Pick GEICO if…

You want the lowest annual premium — GEICO averages $1,353/yr for full coverage, $280 less than Progressive.
You value claims responsiveness — GEICO scores higher on claims & support.
You want a smooth quote-and-buy flow with minimal phone follow-up.

Pick Progressive if…

Your driver profile leans high risk — Progressive's underwriting is best-in-class there.

Frequently asked questions

Answers to the most-searched questions about GEICO vs Progressive.

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