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Cheapest car insurance for your ZIP
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General rates
| Feature | GEICO | Progressive | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,360/yr | ~$1,598/yr | ✓ GEICO |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.69 — excellent | 0.71 — good | ✓ GEICO |
| Credit: excellentrate change for excellent credit | -14% | -11% | ✓ GEICO |
| Credit: fair / poorrate change for fair credit | +28% | +25% | ✓ Progressive |
| Young drivers · 18–24surcharge vs 35–54 baseline | +24% | +4% | ✓ Progressive |
| Drivers 55+discount vs 35–54 baseline | -8% | -4% | ✓ GEICO |
| Homeowner discount | -5% | -3% | ✓ GEICO |
| Multi-policy discount | -5% | -4% | ✓ GEICO |
| Lapsed coverage penaltysurcharge for coverage gap | +15% | +5% | ✓ Progressive |
| How to buy | Online / phone only | Online + agent | — |
| Telematics program | DriveEasy | Snapshot | — |
About GEICO
No local agents — all managed online or by phone. The best base rate among major national carriers. In this comparison, GEICO has the advantage on avg rate, complaints, excellent-credit rate. Best for: Online shoppers & good-credit drivers.
About Progressive
Accepts the widest driver profile range. Minimal age sensitivity makes it the top pick for under-25 drivers. In this comparison, Progressive has the advantage on fair-credit rate, young driver rate, lapsed-coverage penalty. Best for: High-risk drivers, SR-22, and young drivers.
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