Ultimate Comparison Showdown
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
- PROGRESSIVE VS. GEICO: AVAILABLE COVERAGE
- PROGRESSIVE VS. GEICO: CLAIMS
- PROGRESSIVE VS. GEICO: PRICE POINT
- PROGRESSIVE VS. GEICO: PRODUCT TYPES OFFERED
- PROGRESSIVE VS. GEICO: DISCOUNTS OFFERED
- PROGRESSIVE VS. GEICO: CUSTOMER SERVICE
- PROGRESSIVE VS. GEICO: MOBILE TOOLS OPTIONS
- PROGRESSIVE VS. GEICO: FINANCIAL STABILITY
- PROGRESSIVE VS. GEICO: ADDITIONAL OPTIONS FOR SAVING MONEY
- Which one is better, Geico or Progressive?
- Frequently Asked Questions
- Can A Plus Insurance provide quotes for Geico auto insurance?
- What advantages does A Plus Insurance offer for auto insurance?
- How can I get the best auto insurance rates from providers through A Plus Insurance?
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
PROGRESSIVE VS. GEICO: AVAILABLE COVERAGE
ROUND 1
Do these insurance companies offer multiple coverages or bundling?
| AVAILABLE COVERAGE | Progressive | Geico |
|---|---|---|
| Do they offer coverage in all 50 states? | YES | YES |
| Do they offer coverage in Canada? | YES | YES |
| Do they Provide Additional Coverage in Mexico? | YES | YES |
| Do they offer multi-vehicle policy bundles? | YES | YES |
| Do they offer higher liability limits? | YES | YES |
| Medical Payments?* | YES | YES |
| Uninsured/Underinsured Motorist? * | YES | YES |
| Various Deductible Options?* | YES | YES |
*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 PROCESS | Progressive | Geico |
|---|---|---|
| How fast to process?* | FAST | FASTER |
| Overall Payout Fairness Rating | VERY GOOD | VERY GOOD |
| Claims Availability Rating | ABOVE AVERAGE | AVERAGE |
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 RATES | Progressive | Geico |
|---|---|---|
| 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 TYPES | Progressive | Geico |
|---|---|---|
| Renters Insurance | YES | YES |
| Auto Insurance | YES | YES |
| Motorcycle Insurance | YES | YES |
| Insurance for Toys* | YES | YES |
| Homeowners Insurance | YES | YES |
| SR22 Filings | YES | YES |
| Commercial Auto Insurance | YES | YES |
| Business Liability Insurance | YES | YES |
| Travel Trailer Insurance | YES | YES |
| Motorhome Insurance | YES | YES |
| Boat Insurance | YES | YES |
| Condo Insurance | YES | YES |
| Umbrella Insurance | YES | YES |
| Flood Insurance | YES | YES |
| Dwelling (Fire) Insurance | YES | YES |
| Inland Marine Insurance | X | X |
| Workers Comp Insurance | YES | YES |
| Small Business B.O.P Insurance | YES | YES |
| GAP Insurance | YES | X |
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 OFFERED | Progressive | Geico |
|---|---|---|
| Paid in full | YES | YES |
| 5 Year Accident Free | YES | YES |
| Loyalty Discounts | YES | YES |
| Bundled Discounts | YES | YES |
| Affiliation Discounts* | X | YES |
| Defensive Driver | YES | YES |
| Driver Safety Course | YES | YES |
| Good Student | YES | YES |
| Seat belt Discount | X | YES |
| Continuous Insurance | YES | YES |
| Vehicle Equipment | YES | YES |
| Multi Vehicle | YES | YES |
| Auto Pay and Paperless | YES | YES |
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 SERVICE | Progressive | Geico |
|---|---|---|
| Available 24/7 and on holidays? | YES | YES |
| Will they postpone due dates? | YES | YES |
| Willing to waive late fees? | YES | YES |
| Easy to make changes online and on phone? | YES | YES |
| Bilingual Options? | YES | YES |
| Friendliness Rating? | AVERAGE | ABOVE AVERAGE |
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 OPTIONS | Progressive | Geico |
|---|---|---|
| Ability to manage policy? | YES | YES |
| Ability to make changes? | YES | YES |
| Ability to get new quotes? | X | YES |
| Ability to cancel policy? | X | YES |
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 SAVERS | Progressive | Geico |
|---|---|---|
| Monitoring Device? | YES | YES |
| Disappearing Deductibles? | YES | X |
| Accident Forgiveness? | YES | YES |
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 Company | Estimated 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.
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 |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Camron Moss