Of course, State Farm isn’t only for young drivers. The Drive Safe & Save TM and Steer Clear Ⓡ programs both help young drivers save on insurance premiums. We recommend State Farm for student drivers based on its discount offerings. We recommend getting quotes from other top-rated providers like State Farm and USAA. It’s a smart idea to reach out to both companies for car insurance quotes when insurance shopping, and an even smarter one to compare more providers. Geico and Progressive aren’t your only good options for low-cost car insurance. ![]() Top Alternatives to Geico and Progressive We recommend comparing rates from both when you shop. On the other hand, Progressive has great options for high-risk drivers and more widely available usage-based insurance. Geico tends to offer lower rates for most policyholders and has slightly higher customer satisfaction scores. Geico and Progressive are two of the best choices for auto insurance coverage on the market. The Snapshot program is available in all states except California and North Carolina.Ĭurrently, DriveEasy is only available to drivers in Washington, D.C., and 28 states: Alabama, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Kentucky, Maryland, Minnesota, North Carolina, Nebraska, Nevada, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia and Wisconsin. Snapshot also tracks your driving habits through a mobile app or plug-in device, monitoring what time of day you drive, changes in speed, phone use and the amount that you drive. The Progressive usage-based program is called SnapshotⓇ. The program monitors your driving through a mobile app that tracks your phone use, speed and hard braking. Geico’s usage-based insurance option is called DriveEasy. These programs monitor your driving habits and provide premium discounts for safe driving. Usage-based Insurance Comparisonīoth Geico and Progressive have usage-based insurance programs (also sometimes called telematics). Progressive offers more add-on insurance options, though they may not be relevant if you don’t want or need this extra coverage. Additional Coverage OptionsĪlong with standard auto insurance policies, both Geico and Progressive offer additional coverage options like roadside assistance and rideshare insurance. Of those who have full coverage policies, 45% have high limits and 55% have low limits. Our team surveyed 1,000 car insurance customers in 2022 and found that about 25% of drivers carry minimum coverage and about 67% carry full coverage. We recommend that most drivers carry full coverage, but many drivers carry only the minimum liability limits in their state. It also covers accidents with drivers that do not have insurance or do not have high enough policy limits to cover the full cost of your damages.
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