Geico vs. Progressive Car Insurance: Which is Better?

Based on the rate data we reviewed, Geico also comes out on top for teens and young drivers, as well as drivers in at-fault accidents, while Progressive is cheaper for seniors and DUI drivers.

However, your individual premiums will depend on a number of factors, including your location, age and driving history.

With its innovative website and app, Progressive ranked first in JD Power’s digital customer experience survey, while Geico ranked below average.

Both companies scored below average in customer satisfaction with the claims process.

According to the National Association of Insurance Commissioners, Geico received an A+ grade from the Better Business Bureau and receives a lower number of complaints than similarly sized competitors. However, Progressive received an A and has a slightly above average complaint volume.

Both companies keep their customer service phone lines open 24 hours a day and offer live chat online.

At Geico, rates are cheaper overall, even for drivers under 25 or those with at-fault accidents on their record. However, if you are an older driver or a driver with a drunk driving conviction, Progressive is a more affordable choice.

Progressive also offers coverage options that Geico doesn’t, including trip interruption protection, individual equipment coverage, and three levels of accident forgiveness. If you own a pet, Progressive can also cover $1,000 in veterinary costs if your pet is injured in a covered accident.

However, only Geico has a military discount that offers up to 25% when you insure multiple vehicles – more than double the discount that Progressive offers. Geico also has fewer complaints and received higher marks from both JD Power and the Better Business Bureau.

Luckily, you can easily get a quote from both companies online to find out which one offers the best rates and coverage for your needs.

In addition, we incorporate results from the National Association of Insurance Commissioners Complaint Index, Better Business Bureau ratings, AM Best Financial Strength Scores and other independent sources, including JD Power surveys on insurance purchasing, the claims process, digital consumer experiences and general customer satisfaction.

Where available, we also included audience data from CNBC Select, such as broad demographics and engagement with our content and tools.

Car insurance rates can come from a variety of sources, including the provider and state insurance departments.