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Last updated on May 20, 2020

Geico vs. Progressive Auto Insurance Review

A head-to-head comparison of two leading auto insurance providers with unique discounts and a user-friendly digital experience ​
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As a vehicle owner, it’s important to find insurance that provides the coverage you need at a price you can afford. When there are so many providers to choose from, how do you narrow it down?

Geico and Progressive are long-standing companies backed by solid reputations. Both providers are financially stable and able to support customers’ financial and resource needs. Each company also offers a user-friendly digital experience.

We’ve compared Geico and Progressive’s discounts, customer service, and policy features to help you decide which one is best for you.

Pros

  • Intuitive website and mobile app
  • Optional rideshare insurance
  • Superior financial strength

Cons

  • Fewer local agents
  • Rideshare not available in all states
  • Fewer than average discounts available

Geico – 4.0/5


Best Digital Experience
Geico

Solid coverage with an exceptional digital experience

Geico auto insurance is very straightforward, with some excellent additional coverage choices. The website clearly lays out what’s covered, what can be added, and possible discounts for customers. 

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 handle everything they need. 

Pros

  • Name Your Price Tool
  • Several discount options
  • Snapshot program

Cons

  • Average customer satisfaction ratings
  • Discounts vary by state
  • Fewer add-on options

Progressive – 3.7/5


Best Unique Discounts
Progressive
Progressive


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. The company also provides a helpful app for customers and several tools for customers to make sure they get the best deal.

 J.D. Power Insurance Shopping Study ScoreJ.D. Power Auto Claims Satisfaction Study ScoreAM Best Financial Strength Rating
Geico8673/5A++
Progressive8483/5A+

Data effective 05/07/20

Discounts

Geico offers drivers several discounts, so finding ways to save is easy for customers. Some of these discounts include: 

  • Anti-theft system
  • Good driver
  • Military
  • Multi-policy

Progressive has a less extensive selection of possible discounts and tools. Along with multi-policy and multi-vehicle discounts, Progressive provides customers with the Name Your Price Tool and the deductible savings bank.

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. The best way to know which company saves you more money is to request personalized quotes.

Claims and Customer Service

Geico is J.D. Power’s winner among the largest insurers in its 2020 U.S. Insurance Shopping Study. Progressive, however, comes in second to last. Both companies have intuitive websites and mobile apps for tech-savvy customers.

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. It offers live online chat and a 24/7 hotline.

Each company offers easy-to-navigate online experiences for their customers. Filing a claim or handling your policy is a simple process.

Progressive’s lower rating doesn’t mean that you’re guaranteed a negative experience with this insurance provider. But if a company’s reputation for customer experience is a priority, Geico might be the more dependable option for you.

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 saves you money based on your driving. It tracks how much and how well you drive via a mobile app or plug-in device.

Geico offers customers mechanical breakdown insurance. This coverage protects the mechanical parts of new and leased cars up to 15 months old. Both providers offer accident forgiveness. With Progressive, however, customers get accident forgiveness that improves over time through a loyalty program.

Geico and Progressive provide similar coverage with standard add-on policies, such as rideshare coverage and rental reimbursement. 

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

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.

About the Authors

Lorraine Roberte

Lorraine Roberte Contributing Writer

Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.