GEICO vs. Progressive: Auto Insurance

At-a-Glance

	GEICO	Progressive
Geographic availability	Nationwide	Nationwide
Discount opportunities	16	14
Customer service	Phone, chat, email, in-person	Phone, chat, email, in-person
Claims processing	Online, phone, mobile app	Online, phone, mobile app
NAIC complaint score	0.0	0.73 (below average)
AM Best rating	A++	A+

Coverage

Progressive and GEICO both offer minimum coverage and full coverage policies. However, the exact amount of coverage available will vary based on your location.

	GEICO	Progressive
Personal liability insurance	Yes, amount varies	Yes, amount varies
Collision insurance	Yes, amount varies	Yes, amount varies
Comprehensive insurance	Yes, amount varies	Yes, amount varies
Medical payments insurance	Yes, amount varies	Yes, amount varies
Uninsured motorist insurance	Yes, amount varies	Yes, amount varies
Underinsured motorist insurance	Yes, amount varies	Yes, amount varies

Riders 

In terms of riders, or optional coverages, Progressive is the clear winner. GEICO’s car insurance riders are very limited, so it’s only recommended for drivers who need a very basic policy.

	GEICO	Progressive
Rideshare insurance	No	Yes
Roadside assistance	Yes	Yes
Accident forgiveness	No	Yes
Gap insurance	No	Yes
Rental car reimbursement	Yes	Yes
Custom parts coverage	No	Yes
Deductible savings bank	No	Yes
Mechanical breakdown insurance	Yes	No
New car replacement	No	No

Rates and Discounts 

Car insurance discounts are based on personal factors, like your state and city, age, and driving record. To get a lower rate, both Progressive and GEICO offer more than a dozen car insurance discounts.

	GEICO	Progressive
Smart student	Yes	Yes
Distant student	No	Yes
Multi-vehicle	Yes	Yes
Multi-policy	Yes	Yes
Air bag	Yes	No
Anti-lock brakes	Yes	No
Alarm system	Yes	No
Daytime running lights	Yes	No
Seat belt usage	Yes	No
Defensive driving course	Yes	No
Driver’s education course	Yes	No
Emergency deployment	Yes	No
Military	Yes	No
Federal employee	Yes	No
Affinity group	Yes	No
Continuous insurance	No	Yes
Safe driver reward program	Yes	Yes
Teen driver	No	Yes
Homeowner	No	Yes
Online quote	No	Yes
Sign online	No	Yes
Paperless statements	No	Yes
Pay in full	Yes	Yes
Automatic payments	Yes	Yes
Claim-free	Yes	Yes
New vehicle	Yes	No

GEICO vs. Progressive: Home Insurance

At-a-Glance

	GEICO	Progressive
Geographic availability	Nationwide	Nationwide
Discount opportunities	3	7
Customer service	Phone, chat, email, in-person	Phone, email, in-person
Claims processing	Online, phone, mobile app	Online, phone, mobile app
NAIC complaint score	0.00	0.00
AM Best rating	A++	A+

Coverage

Progressive and GEICO offer standard homeowners insurance policies that are designed to cover the physical structure of your home, your personal belongings, and your liabilities. The amount of coverage you can buy will depend on the value of your home, where you live, and other factors. One thing to note is that Progressive is not the underwriter of its own policies, so the specific coverages available could depend on the carrier that underwrites your coverage.

	GEICO	Progressive
Dwelling insurance	Yes, amount varies	Yes, amount varies
Other structures coverage	Yes, amount varies	Yes, amount varies
Personal property insurance	Yes, amount varies	Yes, amount varies
Personal liability insurance	Yes, amount varies	Yes, amount varies
Medical payments coverage	Yes, amount varies	Yes, amount varies
Loss of use insurance	Yes, amount varies	Yes, amount varies

Riders 

When it comes to home insurance riders, we found that GEICO and Progressive both have very limited options. Below are the riders you can add to your home insurance policy for more protection.

	GEICO	Progressive
Water backup coverage	No	Yes
Personal injury coverage	No	Yes
Flood insurance	Yes	Yes

Rates and Discounts 

Every homeowner pays a different rate for coverage, but if you are looking for a cheaper premium, GEICO and Progressive both offer discounts. Based on our research, we found that Progressive offers more discounts than GEICO.

	GEICO	Progressive
Multi-policy	Yes	Yes
Security system	Yes	Yes
Fire alarm	Yes	Yes
Quote in advance	No	Yes
New home purchase	No	Yes
Paperless statements	No	Yes
New home construction	No	Yes
Pay in full	Yes	Yes
Single deductible	No	Yes

GEICO vs. Progressive: Renters Insurance

At-a-Glance

	GEICO	Progressive
Geographic availability	Nationwide	Nationwide
Discount opportunities	4	6
Customer service	Phone, chat, email, in-person	Phone, chat, email, in-person
Claims processing	Online, phone, mobile app	Online, phone, mobile app
NAIC complaint score	N/A	N/A
AM Best rating	A++	A+

Coverage

If you need a standard renters insurance policy, GEICO and Progressive both offer basic coverage. The specific amount of coverage you can buy depends on where you live.

	GEICO	Progressive
Personal property insurance	Yes, amount varies	Yes, amount varies
Personal liability insurance	Yes, amount varies	Yes, amount varies
Medical payments insurance	Yes, amount varies	Yes, amount varies
Loss of use insurance	Yes, amount varies	Yes, amount varies

Riders 

GEICO and Progressive have limited renters insurance riders, so neither company is a great choice if you want to customize your coverage with add-ons. Progressive offers three riders, and GEICO offers just one.

	GEICO	Progressive
Water backup coverage	No	Yes
Personal injury coverage	No	Yes
Flood insurance	Yes	Yes

Rates & Discounts 

Renters insurance rates are personalized, but if you’re looking for affordable coverage, GEICO and Progressive have several discounts that can help you save money. We found that Progressive offers a few more discounts than GEICO does.

	GEICO	Progressive
Multi-policy	Yes	Yes
Security system	Yes	No
Fire alarm	Yes	No
Quote in advance	No	Yes
Paperless statements	No	Yes
Pay in full	Yes	Yes
Gated complex or community	No	Yes
Single deductible	No	Yes

GEICO vs. Progressive: Commercial Insurance

At-a-Glance

	GEICO	Progressive
Geographic availability	Nationwide	Nationwide
Discount opportunities	0	9
Customer service	Phone, chat, email, in-person	Phone, chat, email, in-person
Claims processing	Online, phone, mobile app	Online, phone, mobile app
NAIC complaint score	0.0	0.0
AM Best rating	A++	A+

Coverage

If you are in the market for commercial coverage, go with Progressive. The company offers a wider variety of policies and generous discounts for commercial car insurance. GEICO offers significantly fewer policy options.

	GEICO	Progressive
Business owners policy (BOP)	Yes, amount varies	Yes, amount varies
General liability insurance	Yes, amount varies	Yes, amount varies
Professional liability insurance	Yes, amount varies	Yes, amount varies
Workers’ compensation	Yes, amount varies	Yes, amount varies
Medical malpractice insurance	Yes, amount varies	No
Commercial auto insurance	Yes, amount varies	Yes, amount varies
Cyber liability insurance	Yes, amount varies	Yes, amount varies
Liquor liability insurance	No	Yes, amount varies
Inland marine insurance	No	Yes, amount varies
Employment practices liability insurance	No	Yes, amount varies
Commercial property insurance	No	Yes, amount varies
Excess and surplus insurance	No	Yes, amount varies
Employee pet insurance	No	Yes, amount varies
Employee health insurance	No	Yes, amount varies

Riders 

Progressive and GEICO don’t advertise any riders for commercial insurance products online. If you are looking for certain riders, we recommend contacting a GEICO or Progressive agent to find out if any endorsements are available in your state.

Rates & Discounts 

The cost of business insurance depends on factors like your industry and the number of employees you have. While GEICO doesn’t offer any discounts for commercial insurance, Progressive does. However, Progressive’s discounts only apply to commercial auto insurance policies.

	GEICO	Progressive
Package discount (commercial auto and general liability or BOP)	No	Yes
Commercial Driver's License (CDL)	No	Yes
Business experience (3+ years)	No	Yes
Prior insurance	No	Yes
Pay in full	No	Yes
Electronic payments	No	Yes
Personal auto insurance coverage	No	Yes
Smart Haul program (truck customers only)	No	Yes
Snapshot ProView	No	Yes

GEICO vs. Progressive: Other Insurance Products

Besides auto, home, renters, and commercial coverage, GEICO and Progressive offer a variety of other insurance policies. Most of the policies sold by GEICO and Progressive are underwritten by the company itself. Here’s a comprehensive list of the types of insurance you can get from these two providers:

	GEICO	Progressive
ATV insurance	Yes	Yes
Boat insurance	Yes	Yes
Classic car insurance	Yes	Yes
Golf cart insurance	No	Yes
Mexico auto insurance	Yes	Yes
Motorcycle insurance	Yes	Yes
Personal watercraft insurance	Yes	Yes
RV insurance	Yes	Yes
Segway insurance	No	Yes
Snowmobile insurance	Yes	Yes
Condo insurance	Yes	Yes
Flood insurance	Yes	Yes
Jewelry insurance/personal articles insurance	Yes	Yes
Landlord insurance	Yes	No
Home security insurance	No	Yes
Home warranty insurance	No	Yes
Mobile home insurance	Yes	Yes
Health insurance	No	Yes
Dental insurance	No	Yes
Vision insurance	No	Yes
Life insurance	Yes	Yes
Identity theft insurance	Yes	Yes
Pet insurance	Yes	Yes
Electronic device insurance	No	Yes
Travel insurance	Yes	Yes
Overseas insurance	Yes	No
Umbrella insurance	Yes	Yes
Wedding insurance	No	Yes

GEICO vs. Progressive: Customer Service

GEICO and Progressive both have decent customer service, with in-person, phone, live chat, email, and mobile app support. Additionally, GEICO and Progressive policyholders can take advantage of 24/7 customer support, 365 days per year.

GEICO vs. Progressive: Claims

If you experience a loss, Progressive and GEICO both allow policyholders to file a new insurance claim over the phone, through the online form, and on the mobile app. However, GEICO only allows online and mobile claims for auto, home, and renters insurance claims, and Progressive only supports online and mobile claims for auto insurance. 

If you have any other type of insurance, such as life insurance or business insurance, you'll have to call a GEICO or Progressive agent in order to start a new claim.

With either carrier, the process of submitting a claim is pretty simple. Whether online or on the phone, you’ll be asked to provide your policy number, give a detailed description of the event, submit photos if you have them, and wait to be contacted by a claim adjuster.

GEICO vs. Progressive: Customer Satisfaction

To get a better sense of Progressive's and GEICO’s overall customer satisfaction, we read online reviews from current and past policyholders. Generally speaking, both companies have decent ratings. Customers aren’t completely dissatisfied with either company, but both carriers have their fair share of negative reviews. GEICO and Progressive customers complain about denied claims, unfair claim payouts, unfriendly customer service agents, unexpected premium increases, and other issues. However, we also read positive testimonials from customers who had great experiences with both companies. Many policyholders said they enjoyed GEICO’s low rates and Progressive’s online experience and helpful online tools.

GEICO vs. Progressive: Getting a Quote

Getting a quote from Progressive or GEICO is quick and easy, and both companies have online quote tools that can be used for most policies. To get a quote, you’ll need to provide basic personal information, as well as information specific to the policy you’re buying, like the make and model of your vehicle for auto insurance, or the number of employees you have for commercial insurance. If you can’t get a quote online for the type of policy you need, you can call an agent to start a new quote. 

Methodology

We compared GEICO's and Progressive’s most popular policies, including auto, homeowners, renters, and commercial insurance. To evaluate each offering, we looked at the coverage options, riders, and discounts available, as well as the areas of availability, AM Best score, NAIC Company Complaint Index rating, and customer support channels. The NAIC Company Complaint Index is a ratio of complaints per market share with 1.0 being the average and anything above 1.0 considered to have more complaints than expected for its size. We also read reviews from real customers to gauge each company’s overall level of customer satisfaction.