Progressive vs. Geico

If you are looking for car insurance in Oklahoma City, you might be wondering how Progressive and Geico compare in terms of rates, coverage, discounts and customer service. Both companies are among the largest and most popular insurers in the US, but they have some differences that may affect your decision. Here is a brief overview of how they stack up against each other.

Rates: According to The Zebra, a website that compares car insurance quotes from different providers, the average annual premium for Progressive in Oklahoma City is $1,688, while the average for Geico is $1,402. This means that Geico is cheaper than Progressive by about 17% in this city. However, your actual rate may vary depending on your age, driving history, credit score, vehicle type and other factors.

Coverage: Both Progressive and Geico offer the standard types of car insurance coverage, such as liability, collision, comprehensive, medical payments and uninsured/underinsured motorist. They also offer some optional coverages, such as roadside assistance, rental car reimbursement and gap insurance. Progressive has a unique feature called Name Your Price Tool, which allows you to enter your desired monthly payment and see what coverages fit your budget. Geico has a feature called Coverage Calculator, which helps you determine how much coverage you need based on your personal situation.

Discounts: Both companies offer a variety of discounts to help you save money on your car insurance. Some of the common discounts include multi-policy, multi-vehicle, good driver, good student, defensive driving course and anti-theft device. Progressive also offers a discount for paying in full, while Geico offers a discount for federal employees and military members. Additionally, both companies have usage-based programs that monitor your driving habits and reward you with lower rates if you drive safely. Progressive's program is called Snapshot and Geico's program is called DriveEasy.

Customer service: Both companies have 24/7 customer service via phone and online chat. They also have mobile apps that allow you to manage your policy, file claims and access digital ID cards. According to J.D. Power's 2020 U.S. Auto Insurance Study, which measures customer satisfaction across five factors: interaction, policy offerings, price, billing process and policy information and claims; Geico ranked higher than Progressive in the Southwest region (which includes Oklahoma), scoring 834 out of 1,000 points compared to Progressive's 814 points.