Progressive Vs. Geico

Both Progressive Auto Insurance and GEICO are top contenders, but who will win in our insurance provider comparison show down? And what features determine the success of each company? Flo and the caveman will face off in the following rounds…

PROGRESSIVE VS. GEICO: AVAILABLE COVERAGE

ROUND 1

Do these insurance companies offer multiple coverages or bundling?

AVAILABLE COVERAGEProgressiveGeico
Do they offer coverage in all 50 states?YESYES
Do they offer coverage in Canada?YESYES
Do they Provide Additional Coverage in Mexico?YESYES
Do they offer multi-vehicle policy bundles?YESYES
Do they offer higher liability limits?YESYES
Medical Payments?*YESYES
Uninsured/Underinsured Motorist? *YESYES
Various Deductible Options?*YESYES
*Medical Payments: Both companies offer options for $5000, $10,000, and $50,000 depending on the state
*Uninsured/Underinsured Motorist: Both companies offer up to the liability limits
*Deductible Options: Both companies typically offer $500, $1000, $1500, sometimes $100 or $250 depending on the state.

Both insurance companies excel in this area and offer a long list of different coverage options.

Since their lists are not identical however, it’s difficult to say who is “better.”

Contact one of our agents if you are curious about which multi-vehicle insurance policy will best fit your needs.

PROGRESSIVE VS. GEICO: CLAIMS

ROUND 2

CLAIMS PROCESSProgressiveGeico
How fast to process?*FASTFASTER
Overall Payout Fairness RatingVERY GOODVERY GOOD
Claims Availability RatingABOVE AVERAGEAVERAGE

Geico processes their claims in as little as 48 hours, at most taking up to 7 business days.

Progressive takes 7 to 14 days depending on the vehicle, damage, and body shop. However, most ratings give Progressive a higher score due to their availability.

PROGRESSIVE VS. GEICO: PRICE POINT

ROUND 3

Who has the most affordable rates? Keep in mind that there are various factors that affect the price of car insurance.

AVERAGE INSURANCE RATESProgressiveGeico
Average Minimum Liability Costs$577$380
Average Cost For a Good Driver*$1,562$1,268
Average Cost for a Driver W/ Recent DUI*$1,959$2,892
Average Cost with Good Credit*$1,613$1,445
Average Cost with Poor Credit*$3,222$2,386
Average Cost/Month Young Drivers:$160$132

At a glance, Geico appears to have cheaper insurance rates over all, but if you look closer, their rates skyrocket for high risk customers.

If you don’t have a clean driving record, Progressive might be a better fit.

PROGRESSIVE VS. GEICO: PRODUCT TYPES OFFERED

ROUND 4

A good car insurance offers far more than the basics such as home and auto insurance. Which company offers more insurance options?

PRODUCT TYPESProgressiveGeico
Renters InsuranceYESYES
Auto InsuranceYESYES
Motorcycle InsuranceYESYES
Insurance for Toys*YESYES
Homeowners InsuranceYESYES
SR22 FilingsYESYES
Commercial Auto InsuranceYESYES
Business Liability InsuranceYESYES
Travel Trailer InsuranceYESYES
Motorhome InsuranceYESYES
Boat InsuranceYESYES
Condo InsuranceYESYES
Umbrella InsuranceYESYES
Flood InsuranceYESYES
Dwelling (Fire) InsuranceYESYES
Inland Marine InsuranceXX
Workers Comp InsuranceYESYES
Small Business B.O.P InsuranceYESYES
GAP InsuranceYESX
*Snowmobile, ATV, Dirt Bikes

While GEICO almost has everything that Progressive has in this category…it does not have GAP insurance which is worth having if you are leasing your car or owe more on the car loan than your car is worth.

PROGRESSIVE VS. GEICO: DISCOUNTS OFFERED

ROUND 5

Even if one company has more discounts than another, it’s important to keep in mind that certain discounts might only be available based on your details and driving history.

DISCOUNTS OFFEREDProgressiveGeico
Paid in fullYESYES
5 Year Accident FreeYESYES
Loyalty DiscountsYESYES
Bundled DiscountsYESYES
Affiliation Discounts*XYES
Defensive DriverYESYES
Driver Safety CourseYESYES
Good StudentYESYES
Seat belt DiscountXYES
Continuous InsuranceYESYES
Vehicle EquipmentYESYES
Multi VehicleYESYES
Auto Pay and PaperlessYESYES
*Military, Federal Employee, Partnered Organizations

GEICO does offer more discounts, but make sure you contact an agent to know which discounts you even qualify for.

PROGRESSIVE VS. GEICO: CUSTOMER SERVICE

ROUND 6

When it comes to customer service, of course we look for how pleasant the representative is, but we also want to know how likely they are to help us when we need it the most..

CUSTOMER SERVICEProgressiveGeico
Available 24/7 and on holidays?YESYES
Will they postpone due dates?YESYES
Willing to waive late fees?YESYES
Easy to make changes online and on phone?YESYES
Bilingual Options?YESYES
Friendliness Rating?AVERAGEABOVE AVERAGE
Progressive VS. Geico

Geico overall has higher customer service ratings when it comes to the level of “friendliness.”

However we can’t count Progressive out because they work with independent brokers and GEICO does not.

One advantage of working with an independent broker is that they act as your advocate and will find the best policy and rates for you. A direct writer like GEICO’s agents are limited in only selling what their company offers.

Geico won’t always offer the best underwriting terms or pricing plans for the client.

PROGRESSIVE VS. GEICO: MOBILE TOOLS OPTIONS

ROUND 7

In 2021, mobile users have increased from 37.38% to 47.59% while desktop internet usage has dropped. It’s crucial that these providers have a great user experience when it comes to their mobile tools.

MOBILE APP OPTIONSProgressiveGeico
Ability to manage policy?YESYES
Ability to make changes?YESYES
Ability to get new quotes?XYES
Ability to cancel policy?XYES
Progressive VS. Geico

Poor Flo takes another beating. Unfortunately the Progressive app has 2 less mobile features than GEICO.

SPECIAL ROUND!

PROGRESSIVE VS. GEICO: FINANCIAL STABILITY

ROUND 8

PROGRESSIVE RATINGS AND STATS

A+

AM BEST

823

JD POWER

1937

Est.


GEICO RATINGS AND STATS

A++

AM BEST

828

JD POWER

1936

Est.

Progressive and GEICO are both worthy contenders, but in this round GEICO once again pulls ahead, but just by a little!

PROGRESSIVE VS. GEICO: ADDITIONAL OPTIONS FOR SAVING MONEY

ROUND 9

ADDITIONAL MONEY SAVERSProgressiveGeico
Monitoring Device?YESYES
Disappearing Deductibles?YESX
Accident Forgiveness?YESYES

Flo had one last chance to get another swing in, and thankfully was able to land another punch.

Which one is better, Geico or Progressive?

Which one is better, Geico or Progressive? Both Geico and Progressive are well-known auto insurance companies with strengths in different areas. Geico often offers competitive rates for drivers with clean records and provides a wide range of discounts, including multi-policy and safe driver discounts. On the other hand, Progressive is known for its innovative Snapshot program, which rewards safe driving habits with potential discounts. Additionally, Progressive’s Name Your Price tool allows customers to customize their coverage to fit their budget. To determine which company is better for you, consider factors such as your driving record, coverage needs, and budget. Here’s a comparison table showing estimated monthly rates for full coverage auto insurance from Geico and Progressive:

Insurance CompanyEstimated Monthly Rate ($)
Geico$130
Progressive$140
  • Geico offers competitive rates and various discounts.
  • Progressive rewards safe driving habits and offers customizable coverage options.
  • Consider your driving record, coverage needs, and budget when choosing between the two.
Car Icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

House Icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

Motorcycle Icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Frequently Asked Questions

Can A Plus Insurance provide quotes for Geico auto insurance?

Geico operates as a captive agent insurance company, meaning they handle their auto insurance policies internally. At A Plus Insurance, we offer services that help you compare options from multiple carriers, excluding Geico, to find comprehensive and competitive rates.

What advantages does A Plus Insurance offer for auto insurance?

A Plus Insurance provides a significant advantage by offering a wide array of choices from various insurance companies. This allows for a more personalized and cost-effective approach to finding auto insurance that meets your specific requirements.

How can I get the best auto insurance rates from providers through A Plus Insurance?

The most effective way to get competitive auto insurance rates is by contacting A Plus Insurance at 1.888.445.2793. Our expert team can guide you through various options and help you compare and select the best policy for your needs.

Additional Helpful Links

Additional Insurance Links
National General Insurance
Sun Coast Insurance
Mendota Insurance
Bristol West
Progressive VS. Geico

Last Updated on by Marlon Moss

Spread the love
Scroll to Top