Updated 30 March 2026
Progressive vs Geico: Rates in Every Major State
Based on a 30-year-old driver with a clean record and full coverage. Rates vary dramatically by state, with Michigan being the most expensive and Ohio being the most affordable among the top 10.
| State | Progressive/yr | Geico/yr | Savings | Cheaper |
|---|---|---|---|---|
| California | $1,680 | $1,450 | $230/yr | Geico |
| Texas | $1,520 | $1,380 | $140/yr | Geico |
| Florida | $2,650 | $2,350 | $300/yr | Geico |
| New York | $2,100 | $1,850 | $250/yr | Geico |
| Pennsylvania | $1,280 | $1,150 | $130/yr | Geico |
| Illinois | $1,420 | $1,280 | $140/yr | Geico |
| Ohio | $1,100 | $980 | $120/yr | Geico |
| Georgia | $1,750 | $1,550 | $200/yr | Geico |
| North Carolina | $1,180 | $1,050 | $130/yr | Geico |
| Michigan | $2,900 | $2,200 | $700/yr | Geico |
Rates are estimates for full coverage. Your actual rate depends on exact address, vehicle, and personal history. Always get quotes from both.
State-Specific Insights
Michigan: The Most Expensive State
Michigan's no-fault insurance system with unlimited personal injury protection historically made it the most expensive state for auto insurance. While 2019 reforms introduced PIP coverage options, rates remain among the highest nationally. Geico tends to be $500 to $700 cheaper than Progressive in Michigan, making it the state with the largest gap between the two insurers.
Florida: Both Expensive
Florida's high uninsured motorist rate (over 20% of drivers lack insurance) and frequent severe weather push rates above $2,300 for both insurers. Geico is typically $200 to $300 cheaper in Florida. Both offer comprehensive coverage add-ons for hurricane and flood damage that Florida drivers should strongly consider.
Ohio: Both Affordable
Ohio has some of the lowest auto insurance rates nationally due to lower population density outside major cities and moderate weather. Both Progressive (headquartered in Ohio) and Geico offer competitive rates under $1,200 annually for clean-record drivers. The gap narrows to about $120 per year.
Texas: Competitive Market
Texas has no state-run insurance and a competitive private market. Both Progressive and Geico price aggressively in Texas. The gap is moderate ($140/yr). Texas drivers benefit from shopping around annually, as rate changes between insurers can flip the winner from year to year.
Frequently Asked Questions
Which states have the biggest rate differences between Progressive and Geico?
Michigan consistently shows the largest gap due to its no-fault insurance system. Geico tends to be $500 to $800 cheaper than Progressive in Michigan. In Florida, both are expensive ($2,400+ annually) but Geico is typically $200 to $300 less. In Texas and Ohio, the gap narrows to $100 to $200.
Why are car insurance rates so different by state?
State regulations, minimum coverage requirements, accident rates, weather patterns, and the legal environment all affect rates. No-fault states like Michigan and Florida are most expensive. Low-population states like Idaho and Maine are cheapest. Each insurer also has different risk models per state.
Are these rates for minimum or full coverage?
These are full coverage rates (liability, collision, comprehensive) for a 30-year-old driver with a clean record. Minimum coverage rates are 40% to 60% lower but provide less protection. We recommend full coverage for any vehicle worth more than $10,000.