Progressive vs. Geico

If you are looking for car insurance in Indianapolis, you may want to compare the rates of two popular providers: Progressive and Geico. Both companies offer a variety of coverage options and discounts, but they also have some differences that may affect your decision. Here are some factors to consider when comparing Progressive vs Geico insurance rates in Indianapolis.

- Progressive claims to have an average annual premium of $1,259 for Indiana drivers, while Geico advertises an average of $1,100. However, these numbers may vary depending on your driving history, vehicle type, location, and other factors. You can get a personalized quote from each company online or by phone to see how much you would pay.

- Progressive offers a unique feature called Name Your Price Tool, which lets you enter your desired monthly payment and see what coverage options fit your budget. You can also adjust your deductible, limits, and add-ons to find the best balance between price and protection. Geico does not have a similar tool, but it does have a Coverage Calculator that helps you determine how much coverage you need based on your situation.

- Geico has more discounts than Progressive, such as for federal employees, military members, good students, safe drivers, and more. You can save up to 25% on your premium if you qualify for multiple discounts. Progressive also has some discounts, such as for bundling home and auto insurance, paying in full, signing online, and having a continuous insurance history. However, they may not be as generous as Geico's discounts.

- Progressive has a loyalty program called Snapshot, which monitors your driving habits and rewards you with lower rates if you drive safely and avoid hard braking, fast acceleration, and late-night driving. You can use a mobile app or a plug-in device to track your performance and get feedback. Geico does not have a similar program, but it does offer a DriveEasy app that gives you tips on how to improve your driving skills and safety.

- Geico has a higher customer satisfaction rating than Progressive, according to the 2020 J.D. Power U.S. Auto Insurance Study. Geico ranked second among 19 insurers in the North Central region (which includes Indiana), while Progressive ranked ninth. Geico also scored higher than Progressive in claims handling, policy offerings, billing process, and digital experience.

As you can see, there are pros and cons to choosing Progressive or Geico for your car insurance in Indianapolis. The best way to find out which one is right for you is to compare their quotes and coverage options side by side and see which one meets your needs and budget.