Like I tell my kids, there ain’t no way either Progessive or GEICO has the cheapest rates because they have a TV commercial on every channel at least once every half hour.
GEICO was originally started, way back when, to provide insurance to govt workers and military families:
Government Employees Insurance COmpany
As far as rates GEICO has always gotten me better rates on my cars than anybody, including Progressive. However, Progressive offered me the best rate on my motorcycle, where as GEICO wanted 3 times as much.