GEICO vs Progressive
A detailed comparison of GEICO and Progressive auto insurance, including coverage options, discounts, safe-driving programs, accident forgiveness, policy features, and important differences to consider when comparing car insurance in the United States.
GEICO
Explore the GEICO auto insurance information available on Newest Cars Insurance.
View GEICOProgressive
Explore the Progressive auto insurance information available on Newest Cars Insurance.
View ProgressiveGEICO vs Progressive: What This Comparison Covers
GEICO and Progressive both offer auto insurance with multiple coverage options, discounts, and technology-based programs. The useful differences are found in the details of their coverage, discount structures, driving programs, and policy features.
Coverage
Compare liability, comprehensive, collision, uninsured motorist protection, rental reimbursement, roadside assistance, and additional coverage options.
Discounts
Both insurers provide multiple discount opportunities, although the available discounts and savings vary by state and eligibility.
Driving Programs
GEICO offers DriveEasy, while Progressive offers Snapshot, allowing eligible drivers to use driving behavior as part of their insurance pricing.
Accident Forgiveness
Both companies provide accident-forgiveness options, but their eligibility requirements and program structures are different.
Policy Features
Compare features such as mechanical breakdown coverage, deductible savings, rideshare coverage, custom parts coverage, and other optional protections.
Your Situation
Your final premium depends on factors including state, vehicle, driving history, coverage limits, deductibles, mileage, and insurer-specific rating factors.
GEICO vs Progressive Comparison
This table highlights documented features and programs from the companies’ official auto insurance information. Availability and terms may vary by state.
| Category | GEICO | Progressive |
|---|---|---|
| Auto Insurance | ✓ Auto insurance with multiple coverage, discount, and policy options. | ✓ Auto insurance with multiple coverage, discount, and policy options. |
| Liability Coverage | Available as part of GEICO auto insurance. | Available as part of Progressive auto insurance. |
| Comprehensive & Collision | Available coverage options for qualifying policies. | Available coverage options with selectable limits and deductibles. |
| Uninsured / Underinsured Motorist | Available depending on state and policy. | Available depending on state and policy. |
| Safe-Driving Program | DriveEasy® Uses telematics information to evaluate driving behavior and can provide eligible drivers with savings. | Snapshot® Personalizes the insurance rate using driving-related data such as mileage, braking, time of day, and other factors. |
| Accident Forgiveness | GEICO Claim Forgiveness may be earned or purchased where available. | Progressive offers Small Accident Forgiveness, Large Accident Forgiveness, and an optional Progressive Accident Forgiveness feature. |
| Multi-Vehicle Discounts | GEICO offers a multi-vehicle discount for qualifying policies. | Progressive offers a multi-car discount. |
| Good Student | Good-student savings are available for qualifying drivers. | Progressive offers a good-student discount for qualifying students. |
| Rental Reimbursement | Optional rental reimbursement can help with rental costs after a covered claim. | Optional rental reimbursement is available with policy-specific limits. |
| Roadside Assistance | Emergency Roadside Service is available as an additional coverage option. | 24/7 Roadside Assistance is available as an optional coverage. |
| Mechanical Breakdown Insurance | GEICO offers Mechanical Breakdown Insurance for qualifying vehicles and situations. | Progressive offers Vehicle Protection in select states and situations rather than identical GEICO MBI coverage. |
| Rideshare Coverage | Availability depends on state and policy. | Rideshare coverage is available in applicable states and situations. |
| Availability | Some coverages, discounts, payment plans, and features are not available in all states or all GEICO companies. | Coverage, discounts, programs and features vary by state and situation. |
A Closer Look at GEICO and Progressive
Looking at the individual features offered by each insurer provides more useful information than comparing a single advertised rate.
GEICO Auto Insurance
Coverage, discounts, DriveEasy and additional protection
Coverage Options
GEICO provides auto insurance coverage including liability, uninsured motorist protection and additional options such as comprehensive, collision, rental reimbursement and Emergency Roadside Service.
Mechanical Breakdown Insurance
GEICO offers Mechanical Breakdown Insurance for qualifying new or leased vehicles. The company states that eligibility can depend on vehicle age, mileage, ownership and state.
DriveEasy
GEICO’s DriveEasy program uses telematics to evaluate driving behavior and can provide savings for eligible drivers based on the applicable program terms.
Claim Forgiveness
GEICO Claim Forgiveness may be earned through qualifying driving history or purchased where available. It can protect against a rate increase after a first qualifying loss.
Discount Categories
GEICO lists discounts related to safe driving, multi-vehicle policies, vehicle safety equipment, driver education, affiliations, multi-policy coverage and payment options.
Progressive Auto Insurance
Coverage, Snapshot, discounts and flexible features
Coverage Options
Progressive offers liability, uninsured and underinsured motorist, medical payments, PIP where available, comprehensive, collision and additional optional coverages.
Snapshot
Progressive’s Snapshot program uses driving information such as hard braking, mileage, time of day and, in some states and situations, handheld phone use to personalize rates.
Accident Forgiveness
Progressive provides Small Accident Forgiveness, Large Accident Forgiveness for qualifying long-term customers, and an optional Progressive Accident Forgiveness feature.
Deductible Savings Bank
Progressive offers an optional Deductible Savings Bank that can reduce comprehensive or collision deductibles after qualifying claim- and violation-free periods.
Additional Features
Progressive lists rental reimbursement, roadside assistance, rideshare coverage, custom parts and equipment coverage, pet injury coverage, and Vehicle Protection in applicable situations.
GEICO vs Progressive Discounts
Discount percentages and eligibility can vary significantly by state and driver. Compare the actual quoted premium rather than assuming that a particular advertised discount will produce the lowest final price.
GEICO Discount Categories
Progressive Discount Categories
DriveEasy vs Snapshot
Telematics can affect how an insurer calculates your premium. If you are considering either program, review how driving data is collected, which behaviors are measured, and how the program can affect your renewal price.
DriveEasy®
GEICO says DriveEasy uses telematics information to evaluate driving behavior and provide savings to eligible drivers. Availability and terms vary by state.
Safe-driving savings may applySnapshot®
Progressive says Snapshot can use factors such as hard braking, mileage, time of day, and in some situations handheld phone use. Progressive states that the program can result in a discount or, in some states, a surcharge depending on driving data and conditions.
Personalized pricing at renewalImportant Coverage Differences
Optional coverages can matter as much as the basic policy. These are some of the features worth checking when comparing equivalent quotes.
Mechanical Breakdown vs Vehicle Protection
GEICO offers Mechanical Breakdown Insurance for qualifying vehicles. Progressive offers Vehicle Protection in select states and situations for qualifying newer vehicles. These products should not be treated as identical coverage.
Deductible Savings Options
Progressive offers its optional Deductible Savings Bank, which can reduce qualifying comprehensive or collision deductibles after eligible claim- and violation-free periods.
Rideshare Coverage
Progressive explicitly lists rideshare coverage for applicable personal auto policies and states that it can help fill gaps between a personal policy and rideshare company coverage.
Custom Parts & Equipment
Progressive offers Custom Parts and Equipment coverage for qualifying modifications such as custom wheels, navigation systems, stereos and certain other additions.
Roadside Assistance
GEICO offers Emergency Roadside Service, while Progressive offers 24/7 Roadside Assistance with services including towing, lockout help, flat-tire assistance and other qualifying roadside services.
Rental Reimbursement
Both insurers provide rental reimbursement options for qualifying covered claims. Limits, eligibility and available choices depend on the policy and state.
Accident Forgiveness: GEICO vs Progressive
Accident forgiveness can prevent a qualifying accident from increasing your premium, but the rules are different between insurers and can vary by state.
GEICO Claim Forgiveness
GEICO states that Claim Forgiveness can be earned through qualifying driving history or purchased where available. When applicable, it protects against a rate increase after a first qualifying loss.
Progressive Accident Forgiveness
Progressive offers Small Accident Forgiveness, Large Accident Forgiveness for qualifying long-term customers, and an optional Progressive Accident Forgiveness feature. The exact terms depend on eligibility and state.
Why the Difference Matters
If accident forgiveness is important to you, compare eligibility requirements, how many accidents are covered, whether the feature is included or optional, and what happens to the premium after a qualifying claim.
Check the Actual Policy
Accident forgiveness is subject to state laws, policy terms and eligibility. Confirm the exact feature offered with your personalized quote.
How to Compare GEICO and Progressive Fairly
When comparing actual prices, use equivalent coverage limits, deductibles and policy features. Progressive itself recommends comparing similar coverage when shopping for auto insurance.
Use the Same Coverage
Compare the same liability limits and the same comprehensive and collision deductibles whenever possible.
Check Discounts
Confirm which discounts you actually qualify for instead of comparing advertised maximum discounts.
Review Telematics
If you consider DriveEasy or Snapshot, understand how the program uses driving data and how it can affect pricing.
Check Optional Coverage
Compare roadside assistance, rental reimbursement, rideshare coverage and other optional protections.
Consider Your Vehicle
Vehicle age and type can affect which specialized coverage options are available or useful.
Review Your State
Insurance rules, availability, discounts and policy features can vary by state.
Explore the Full Company Pages
Continue your research through the detailed GEICO and Progressive auto insurance pages on Newest Cars Insurance.
GEICO vs Progressive FAQ
Is GEICO cheaper than Progressive?
There is no single price that applies to every driver. Auto insurance premiums depend on factors such as location, vehicle, driving record, coverage limits, deductibles, mileage and insurer-specific rating factors. Compare personalized quotes using equivalent coverage.
Does GEICO or Progressive have more discounts?
Both companies offer multiple discount categories. GEICO lists discounts related to safe driving, multiple vehicles, vehicle equipment, education, affiliations and policy or payment choices. Progressive lists safe-driving, multi-car, multi-policy, online, paperless, payment and continuous-insurance discounts. Eligibility varies by state.
Does GEICO have a safe-driving program?
Yes. GEICO offers DriveEasy, a telematics program that can provide eligible drivers with potential savings based on driving behavior.
Does Progressive have a safe-driving program?
Yes. Progressive offers Snapshot, which personalizes pricing based on driving information. Progressive says factors can include hard braking, mileage, time of day and, in some states and situations, handheld phone use.
Does Progressive offer accident forgiveness?
Yes. Progressive offers Small Accident Forgiveness, Large Accident Forgiveness for qualifying customers, and an optional Progressive Accident Forgiveness feature. Availability and eligibility vary by state.
Does GEICO offer accident forgiveness?
Yes. GEICO Claim Forgiveness may be earned or purchased in states where available and can protect against a rate increase after a first qualifying loss.
Does Progressive offer rideshare coverage?
Yes. Progressive offers rideshare coverage for applicable personal auto policies. Coverage availability and details vary by state and situation.
Does GEICO offer Mechanical Breakdown Insurance?
Yes. GEICO offers Mechanical Breakdown Insurance for qualifying vehicles and situations. Eligibility can depend on vehicle age, mileage, ownership and state.
Do GEICO and Progressive offer the same coverage everywhere?
No. Coverage, discounts, programs, payment options and eligibility can vary by state and individual policy.
What is the best way to compare GEICO and Progressive?
Compare personalized quotes using the same liability limits, deductibles and optional coverage. Then review the discounts, driving programs and policy features that apply to your individual situation.
Continue Your Car Insurance Research
Review the detailed GEICO and Progressive pages on Newest Cars Insurance, then compare personalized quotes using equivalent coverage and deductibles.
Explore Insurance CompaniesImportant: This comparison is provided for general informational purposes and is not an insurance quote, recommendation, endorsement, or guarantee of savings. Coverage, pricing, discounts, eligibility, programs and policy terms vary by state and individual circumstances. Always verify current details directly through the applicable insurer before purchasing an insurance policy.