Long Beach

If you are looking for auto insurance in Long Beach, you may be wondering whether to choose Geico or Progressive. Both are well-known and reputable companies, but they have different advantages and disadvantages depending on your situation and preferences. Here is a comparison of Geico and Progressive auto insurance plans, annual costs, discounts, SR-22 availability, and suitability for teen and retired drivers.

Geico vs. Progressive: Auto Insurance Plans

Geico and Progressive offer all the standard auto insurance coverages, such as liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. They also offer some optional coverages that can enhance your protection, such as:

- Roadside assistance and towing: This covers the cost of emergency services if your car breaks down or needs a tow.

- Rental car reimbursement: This pays for a rental car if your car is in the shop for a covered claim.

- Medical payments: This covers medical expenses for you and your passengers regardless of who is at fault in an accident.

- Car replacement coverage: This pays for a new car of the same make and model if your car is totaled in a covered claim. Geico does not offer this coverage, but Progressive does.

- Supplemental rideshare insurance: This covers you if you drive for a rideshare company like Uber or Lyft. Geico offers this coverage as a separate policy, while Progressive offers it as an add-on to your personal policy.

Geico vs. Progressive: Annual Costs

According to The Zebra, Geico's average annual premium is $1,128, while Progressive's average annual premium is $1,248. However, your actual rate will depend on many factors, such as your age, driving record, credit score, location, vehicle type, and coverage level. Here are some examples of how Geico and Progressive compare for different types of drivers:

- Good drivers: Geico is cheaper than Progressive for drivers with no accidents or violations on their record. Geico's average annual rate for good drivers is $1,182, while Progressive's average annual rate is $1,892.

- Drivers with a speeding ticket: Geico is also cheaper than Progressive for drivers with a speeding ticket on their record. Geico's average annual rate for drivers with a speeding ticket is $1,579, while Progressive's average annual rate is $2,442.

- Drivers who caused an accident with injury: Geico is still cheaper than Progressive for drivers who caused an accident with injury on their record. Geico's average annual rate for drivers who caused an accident with injury is $2,097, while Progressive's average annual rate is $2,975.

- Drivers with a DUI: Progressive is cheaper than Geico for drivers with a DUI conviction on their record. Progressive's average annual rate for drivers with a DUI is $2,420, while Geico's average annual rate is $2,967.

- Young drivers ages 18-25: Geico is much cheaper than Progressive for young drivers. Geico's average annual rate for young drivers is $1,783, while Progressive's average annual rate is $3,612.

- Senior drivers age 65+: Geico is also cheaper than Progressive for senior drivers. Geico's average annual rate for senior drivers is $1,197, while Progressive's average annual rate is $1,940.

Geico vs. Progressive: Discounts

Both Geico and Progressive offer a variety of discounts to help you save money on your auto insurance. Some of the common discounts they offer are:

- Safe driving discount: You can get a discount if you have a clean driving record or complete a defensive driving course.

- Accident-free drivers: You can get a discount if you have no accidents or claims on your record for a certain period of time.

- Anti-theft equipment discounts: You can get a discount if you have an anti-theft device installed on your car.

- Good student discounts: You can get a discount if you are a student who maintains good grades or attends school full-time.

- Policy bundling discounts: You can get a discount if you bundle your auto insurance with other policies from the same company, such as home or renters insurance.

Some of the additional discounts that Geico offers are:

- Military discount: You can get a discount if you are an active duty or retired military member or a member of the National Guard or Reserves.

- Federal employee discount: You can get a discount if you are a federal employee or retiree.

- Membership discount: You can get a discount if you belong to certain organizations, such as alumni associations, professional groups, or military associations.

Some of the additional discounts that Progressive offers are:

- Vanishing deductible: You can get a discount on your deductible for every year you are accident-free, up to $500.

- Usage-based insurance or pay-per-mile insurance: You can get a discount based on how you drive or how much you drive, using a device or app that tracks your driving habits and mileage.

- Gap insurance: You can get a coverage that pays the difference between your car's value and your loan balance if your car is totaled in a covered claim.

Geico vs. Progressive: SR-22 Availability

An SR-22 is a form that proves you have the minimum required auto insurance in your state. You may need an SR-22 if you have a serious violation on your record, such as a DUI, reckless driving, or driving without insurance. Both Geico and Progressive offer SR-22 insurance, but the cost and availability may vary by state. You can contact the companies directly to find out how to get an SR-22 and how it will affect your rate.

Geico vs. Progressive: Good for Teen Drivers

If you have a teen driver in your household, you may want to consider Geico or Progressive for your auto insurance. Both companies offer discounts and features that can help you save money and protect your teen driver. For example:

- Geico offers a good student discount, a driver's education discount, and a family pricing program that allows you to transfer your policy to your teen when they move out.

- Progressive offers a good student discount, a distant student discount, and a Snapshot program that rewards safe driving habits.

However, Geico is generally cheaper than Progressive for teen drivers, as shown by the average annual rates above. Geico also has higher customer satisfaction and ratings than Progressive, which may indicate better claims handling and service.

Geico vs. Progressive: Good for Retired Drivers

If you are a retired driver, you may also want to consider Geico or Progressive for your auto insurance. Both companies offer discounts and features that can help you save money and protect your retirement income. For example:

- Geico offers a senior discount, a federal employee discount, and a military discount for retired drivers who qualify.

- Progressive offers a vanishing deductible, a pay-per-mile program, and gap insurance for retired drivers who want to lower their costs and risks.

However, Geico is also generally cheaper than Progressive for retired drivers, as shown by the average annual rates above. Geico also has slightly lower complaint levels than Progressive, which may indicate fewer issues with the company.

Geico vs. Progressive: Recommendations

Based on our comparison of Geico and Progressive auto insurance plans, annual costs, discounts, SR-22 availability, and suitability for teen and retired drivers, we recommend Geico over Progressive for most drivers in Long Beach. Geico offers cheaper rates than Progressive for most types of drivers, especially young and senior drivers. Geico also has higher customer satisfaction and ratings than Progressive, and offers more discounts for military and federal employees.

However, Progressive may be better than Geico for some drivers in Long Beach who want more coverage options and features, such as car replacement coverage, vanishing deductible, gap insurance, and usage-based insurance. Progressive may also be cheaper than Geico for some drivers who have a DUI conviction on their record.

Ultimately, the best way to find out which company is better for you is to compare personalized quotes from both Geico and Progressive based on your specific situation and preferences.

Geico vs. Progressive: Local Agents Info

If you prefer to buy or manage your auto insurance policy through a local agent in Long Beach, here are some of the agents' info and URLs for both Geico and Progressive:

Geico Local Agents in Long Beach:

- John L Raya Insurance Agency

  - Address: 2124 E 4th St # A1 Long Beach CA 90814

  - Phone: (562) 987-2727

  - URL: https://www.geico.com/insurance-agents/california/long-beach/john-raya/

  - Customer Reviews: 4.8 out of 5 stars based on 113 Google reviews

- GEICO Insurance Agent

  - Address: 1998 Ximeno Ave Suite A Long Beach CA 90815

  - Phone: (562) 494-0767

  - URL: https://www.geico.com/insurance-agents/california/long-beach/robert-feldman/

  - Customer Reviews: 4.7 out of 5 stars based on 130 Google reviews

- GEICO Insurance Agent

  - Address: 2221 Palo Verde Ave Suite 2D Long Beach CA 90815

  - Phone: (562) 431-3030

  - URL: https://www.geico.com/insurance-agents/california/long-beach