Compare GEICO vs. Progressive Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

GEICO and Progressive are two widely-known companies that specialize in auto insurance. GEICO was founded in 1936, while Progressive was founded in 1937. GEICO beat Progressive by quite a bit by ranking as the top auto insurer of 2015, while Progressive ranked #9.

Still, Progressive, has GEICO beat on discounts. It has a loyalty rewards program that extends beyond the general discounts that reward customers with accident forgiveness and renewal discounts. Both companies match up perfectly with superior financial strength scores, high J.D. Power ratings, and good customer service reviews. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  GEICO Progressive
Best If GEICO
  • You want great customer service and low premiums
Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Progressive
  • You don’t want a lot of solicitations

Special Car Insurance Discounts

GEICO Progressive
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO Progressive
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO Progressive
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History GEICO Progressive
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO Progressive
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO Progressive
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO Progressive
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance Progressive Car Insurance
2016 144 77
2015 283 153
2014 267 102
2013 188 34

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance Progressive Car Insurance
Overall Purchase Experience Below average Below average
Policy Offerings Average Average
Pricing Average Below average
Local Agent Below average Average
Call Center Representative Average Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

GEICO Car Insurance Progressive Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Above average Average
Service Interaction Below average Average
Appraisal Average Average
Repair Process Below average Below average
Rental Car Experience Among the best Average
Settlement Average Average

Financial Strength Ratings

GEICO Car Insurance Progressive Car Insurance
A.M. Best A++ A+
Moody's Aa1- Aa2
S&P's AA+ AA

Mobile Apps

GEICO Progressive
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the app here.

Roadside Assistance

GEICO Progressive
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.