GEICO vs Progressive: which is cheaper in 2026?

Q: 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 sample.

DW By Dana Whitfield · Reviewed by the BudgetAutoRates editorial team Updated July 2026 584 matched quote pairs

Billie's Verdict: 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 sample.

Head to head

Category	GEICO	Progressive	Edge
Avg liability / mo	$45	$52	GEICO
Avg full coverage / mo	$133	$141	GEICO
Full coverage with one DUI / mo	$224	$196	Progressive
Rate after one at-fault accident	+42%	+28%	Progressive
SR-22 filing	Not in all states	All 50 states	Progressive
Claims satisfaction (J.D. Power)	871	862	GEICO
Mobile app rating	4.8	4.1	GEICO
Telematics avg savings / yr	$148	$231	Progressive

Illustrative estimates for layout and comparison purposes; see our methodology.

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 sample

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 sample
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 sample, 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, by about $28/mo for drivers with a DUI in our sample. Billie's take: clean-record rankings stop mattering the day your record stops being clean.