I think these numbers will get closer to each other once the car as been on the road for a while and these companies figure out just how much the average claim ends up being.So strange about how it varies so drastically even in the same state with a clean record. Geico will basically be $2000 a year for me compared to $3000 with Progressive 100K/300K/100K. My deductible with Progressive was $2500 compared to Geico's $1500 collision \ $500 accidental damage.