Is Progressive or Geico Auto Insurance Cheaper For Your Muscle Car?

With roots in drag racing, muscle cars are high-performance vehicles often equipped with power-boosting features. These features may include mighty V8 engines and rear-wheel-drive transmission. With a car like this, you need more than just regular auto insurance. Your muscle car`s insurance should be as powerful as your vehicle. However, choosing the best insurance doesn’t necessarily need to be expensive. There are warranty companies that provide cheaper auto insurance like Progressive and Geico. But which between Progressive and Geico auto insurance will be more affordable? Let`s take a look at what each company can offer.

Progressive Auto Insurance

Progressive Insurance has been in business since 1937. The company has now grown to be a one-stop-shop for a wide range of insurance products offered to almost everything with a motor. It is the third-largest private passenger auto insurance provider in the United States.

In addition, the company has flexible options such as usage-based insurance and ridesharing insurance. The diversity of the company`s offers appeal to a wide range of drivers.

Progressive is worth considering because of its wide variety of auto insurance options and low complaint rate. But is a Progressive policy worth the money? 

Here are the pros and cons of Progressive auto insurance. This information can help you make the best decision.


  • Very easy to open a policy
  • Competitive rates for drivers with a DUI
  • Complaints against Progressive auto insurance are lower than the industry average
  • Snapshot offers usage-based insurance
  • Provides Uber and Lyft drivers with rideshare insurance


  • Compared to other large insurance companies, Progressive is usually in the middle of the pack when it comes to average national car insurance premiums.
  • Progressive’s collision repair processes receive a C rating from auto body shop professionals.
  • Low ranking for customer service and claims handling
  • Not recommended for young drivers looking for the lowest auto insurance rates

Geico Auto Insurance

Geico was founded in 1936 with the aim of providing low-cost insurance to federal employees. Still, it has since made policies available to all drivers. It offers car insurance for a range of vehicles, including cars, motorcycles, classic cars, recreational vehicles (RVs), all-terrain vehicles (ATVs), and boats.

Geico is the country’s second-largest vehicle insurer. Aside from some of the cheapest car insurance rates, the company offers excellent customer service and enough policy options and discounts to satisfy the majority of drivers.

Geico’s low auto insurance rates across many types of drivers make the company worth considering. But is a Geico policy worth the investment? 

Here are the pros and cons of Geico auto insurance that can help you make the best decision.


  • Cheap insurance rates for most drivers
  • Easy-to-use app
  • Rates are exceptionally competitive for good drivers and those who have received a speeding ticket.
  • Geico has fewer vehicle insurance complaints than the industry average.
  • Customers are highly likely to recommend Geico to others


  • Generally, not well-regarded by collision repair professionals
  • Relatively high rates for drivers with DUI
  • Discounts can be hard to come by

Progressive Versus Geico Auto Insurance

Geico and Progressive are two of the most well-known insurance companies in the United States. Both companies provide a wide range of insurance products, such as auto, home, renters, and commercial insurance. In addition, Geico and Progressive both have a reputation for providing reasonably priced coverage as well as a variety of discounts to help you get a reduced rate.

Below are the additional comparisons between the two companies:

  • Geographical availability – Both Geico and Progressive are available nationwide.
  • Coverage -- Progressive and Geico both provide policies with both minimum and full coverage. The amount of coverage available, however, can vary depending on your location.
  • Riders -- Progressive is the apparent leader in terms of riders or optional coverages. Geico’s car insurance riders are very limited.
  • Rates and discounts -- Personal factors such as your state and city, age, and driving record all influence car insurance discounts. Progressive and Geico both offer a variety of auto insurance discounts to help you save money.

Conclusion: Which auto insurance company offers cheaper rates?

Geico is the country’s second-cheapest insurer, with only USAA having lower average rates. Geico`s rates are lower than Progressive`s in most demographics. Therefore, the average driver looking for the lowest car insurance rates may be better off with Geico.

However, keep in mind that a cheaper plan does not always offer the best coverage for your precious muscle car. So, the best way to ensure that you get the right coverage is to collect and compare quotes from different auto insurance providers. Evaluate how the insurance company’s rates and levels of coverage fit your needs.