We recommend products and services based on unbiased research from our editorial team. We make money via affiliate links, which means if you click a link on our site, we may earn a commission. Any commissions we receive do not affect our recommendations; if you want to know more about how that works, read more.
As a vehicle owner, it’s important to find insurance that provides the coverage you need at a price you can afford. Recent results from J.D. Power’s 2024 U.S. Auto Insurance Study show overall satisfaction has been pressured by rising premiums, so comparing carriers on discounts, usage-based programs, and digital self-service can materially affect your experience and cost.
Geico and Progressive are long-standing companies backed by solid reputations. Both providers maintain strong financial strength ratings and operate in a generally stable 2025 U.S. property/casualty outlook, per AM Best’s rating scale and AM Best’s 2025 market segment outlooks. Each company also offers app-based telematics (GEICO DriveEasy; Progressive Snapshot) and robust online tools; across the industry, better digital experiences correlate with higher satisfaction and faster resolution according to J.D. Power and broader CX benchmarks like Zendesk’s 2025 CX Trends.
We’ve compared Geico and Progressive’s discounts, customer service, and policy features using current sources: official discount pages (GEICO; Progressive), telematics program pages (DriveEasy; Snapshot), and the latest satisfaction research (J.D. Power 2024), plus current rideshare insurance guidance (Insurance Information Institute).
Pros
- Modern web and mobile self-service, with usage-based options (GEICO DriveEasy; Progressive Snapshot)
- Optional rideshare endorsements in many states to help cover “app-on, waiting” periods (see III guidance)
- Secure AM Best financial strength categories with a stable 2025 U.S. P/C outlook (AM Best scale; segment outlooks)
Cons
- Fewer local agents than large captive networks; both skew toward direct and digital servicing
- Rideshare endorsements are not uniform nationwide; rules and coverages vary by state (e.g., unique New York TNC requirements per NY DMV and TNC policies: Uber, Lyft)
- Discount availability and stacking limits vary by state; telematics savings are not guaranteed (DriveEasy; Snapshot)
Geico – 4.0/5
Best Digital Experience
Solid coverage with an exceptional digital experience
Geico auto insurance offers straightforward core protections with add-ons you can tailor online. GEICO’s site outlines coverages and discounts clearly, and you can explore behavior-based savings via DriveEasy. Industrywide, faster, responsive web/app journeys improve satisfaction; Google’s INP Core Web Vital emphasizes real-user input responsiveness, a factor many insurers target in 2025.
Geico covers:
- Liability
- Medical
- Uninsured motorists
- Vehicle
Additional coverage includes:
The company is well-known for its digital resources. Customers can use the intuitive website and mobile app to quote, manage, and file claims; broader CX research shows AI-enabled self-service and agent assist are increasingly standard (Zendesk 2025; Amazon Q in Connect), aligning with customer expectations for 24/7 support.
Pros
- DriveEasy telematics program for potential safe-driving savings (details)
- Broad discount mix including military, federal employee, and vehicle safety equipment (GEICO discounts)
- Strong digital self-service with clear add-on options and online claims tools
Cons
- Fewer local agents; most interactions are online or phone-based
- Telematics savings vary by state and behavior; not guaranteed (DriveEasy)
- Bundling discounts via the GEICO Insurance Agency can differ by product/state; verify at quote (discounts)
Progressive – 3.7/5
Best Unique Discounts
Comprehensive auto coverage with several discount opportunities
Progressive offers a comprehensive auto insurance policy.
The coverage includes:
- Liability
- Collision
- Comprehensive
- Uninsured and underinsured bodily injury and motorist property damage
- Medical payments
It also offers extra coverage and benefits:
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Custom parts and equipment value
- Rideshare coverage
- Deductible savings bank
Along with its extensive coverage, Progressive offers several ways for customers to save on the cost of their policies. Core categories include multi-policy and multi-car, homeowner and continuous insurance, student-related discounts, and digital purchase/payment savings (online quote, sign online, paperless, pay-in-full, AutoPay). Tools like the Name Your Price Tool and Snapshot help tailor coverage and price; Snapshot savings depend on driving and state rules.
| J.D. Power Insurance Shopping Study Score | J.D. Power Auto Claims Satisfaction Study Score | AM Best Financial Strength Rating | |
| Geico | See latest regional reporting (no single national score) | See latest regional reporting (claims experience captured within 2024 study) | A++ |
| Progressive | See latest regional reporting (no single national score) | See latest regional reporting (claims experience captured within 2024 study) | A+ |
Data updated 2025
Discounts
Geico offers drivers several discounts that span equipment, driver training, telematics, and affiliations. Representative categories include:
- Anti-theft system (and other vehicle safety equipment like air bags, ABS, daytime running lights)
- Good driver plus driver education/defensive driving and good student (where eligible)
- Military and federal employee (Eagle) affiliation
- Multi-vehicle and bundling options (discount application varies by product/state)
Progressive’s discount portfolio emphasizes bundling and policy-structure savings (multi-policy, multi-car, homeowner, continuous insurance), student discounts (good, teen, distant student), and a wide set of digital purchase/payment discounts (online quote, sign online, paperless, pay-in-full, AutoPay). Tools like the Name Your Price Tool and the deductible savings bank can help align coverage with your budget.
It also offers multi-policy customers the option of a single deductible. This way, if you have a claim that involves both your home and auto policies, you only have to pay one deductible.
Both companies’ discount offerings vary by state, not all discounts can be combined, and telematics savings are not guaranteed. Always verify eligibility and state-specific rules during your quote (GEICO; Progressive; telematics: DriveEasy, Snapshot).
Claims and Customer Service
J.D. Power’s 2024 U.S. Auto Insurance Study reports overall satisfaction declined as premiums rose; results are reported by region and segment rather than a single national winner. Digital service and claim experiences helped some carriers mitigate declines. Behind the price pressure are 2025 market forces like rising repair complexity/costs (CCC Crash Course 2024), weather volatility (Swiss Re), and evolving vehicle safety mandates such as AEB requirements that change loss patterns over time.
Since Geico’s customer service is more tech-driven, customers will find fewer brick-and-mortar locations to visit. Progressive has more physical locations for customers, but its focus is also online. Both companies support 24/7 help and chat, reflecting broader CX adoption of AI-assisted service and knowledge grounding (Amazon Q in Connect; Zendesk 2025).
Each company offers easy-to-navigate online experiences for their customers. Filing a claim or handling your policy is a simple process, and industry guidance now emphasizes responsiveness metrics like INP to keep web/app interactions fast.
Satisfaction can vary by region and profile. If a company’s reputation for customer experience is a priority, compare recent regional results and evaluate digital self-service features alongside price using the 2024 J.D. Power study.
Other Features
Progressive has a few standout features that appeal to customers. The Name Your Price Tool allows you to input your budget to receive a quote with possible coverage options. The Snapshot program is an optional program that can save you money based on your driving. It tracks how much and how well you drive via a mobile app or plug-in device; results and availability vary by state, and savings are not guaranteed.
Geico offers customers mechanical breakdown insurance. This coverage helps protect the mechanical parts of newer vehicles; eligibility and terms vary by state and vehicle. Both providers offer accident forgiveness in select states—GEICO lets you earn or purchase it (details, not available in some states such as CA, CT, MA), and with Progressive, customers can get small or earned large accident forgiveness depending on tenure and driving history.
Geico and Progressive provide similar coverage with standard add-on policies, such as rideshare coverage and rental reimbursement. For rideshare, coverage changes by period (app off; app on waiting; en route/with a passenger). TNCs like Uber and Lyft typically provide $1M third-party liability while en route/with a passenger and lower limits while waiting; personal rideshare endorsements can help bridge gaps (Uber; Lyft; consumer guidance: III).
Further Reading
FAQs
What determines the cost of car insurance?
Your policy price is based on multiple factors. Some of these include your:
- Driving record
- Car use
- Type of vehicle
- Location
- Age
- Gender
How can I lower my car insurance cost?
Shopping around for car insurance ensures you get the best starting price. Also, asking for higher deductibles, bundling policies with the same insurer, and raising your credit score are a few things that can help you get lower premiums. Usage-based programs such as DriveEasy and Snapshot can provide additional savings based on driving behavior in states where available.
Can I get free car insurance?
Some states have free or reduced car insurance premiums for people experiencing economic hardship or for low-income families. Check your state’s municipal website to see if there are any program requirements and qualifications.
Recently Added
