GEICO vs Progressive: which is cheaper in 2026?
By the BudgetAutoRates editorial team · How we source rates Updated July 2026 Illustrative estimates, not quotes
Scout's Pick: GEICO
For the price shopper with a clean record, GEICO wins in 38 of 50 states, averaging $8/mo less on comparable full coverage. Pick Progressive if your record isn't clean: it files SR-22s in all 50 states and averaged $28/mo less for drivers with a DUI in our estimates.
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Head to head
| Category | GEICO | Progressive | Edge |
|---|---|---|---|
| Avg liability / mo | $45 | $52 | GEICO |
| Avg full coverage / mo | $133 | $141 | GEICO |
| Full coverage, 1 DUI / mo | $224 | $196 | Progressive |
| After 1 at-fault accident | +42% | +28% | Progressive |
| SR-22 filing | Some states | All 50 states | Progressive |
| Claims score (J.D. Power) | 871 | 862 | GEICO |
| Mobile app rating | 4.8 | 4.6 | GEICO |
| Telematics program | DriveEasy | Snapshot, $94/yr | Progressive |
Illustrative estimates from public benchmarks and a cost model, not quotes; see our methodology. The Snapshot figure is an average annual saving, and the winner in each row is the highlighted, bolded cell.
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Pick GEICO if · Pick Progressive if
GEICO fits you when
- Your record is clean and price is the whole decision
- You manage everything in an app, no agent needed
- You want the lower clean-record rate: $8/mo less on average in our estimates
Progressive fits you when
- You need an SR-22 filed, in any of the 50 states
- You carry a DUI or at-fault accident: $28/mo less on average in our estimates
- You want Snapshot to price your actual driving, not your demographic
Common questions
Is GEICO cheaper than Progressive?
For clean records, usually. GEICO priced under Progressive in 38 of 50 states in our estimates, averaging $8/mo less on comparable full coverage. Add a DUI or an at-fault accident and the order often flips.
Which is better after a DUI or for an SR-22?
Progressive. It files SR-22s in all 50 states and averaged $28/mo less than GEICO for drivers with a DUI in our estimates. Scout's rule: shop the record you have, not the record you wish you had.