Omaha

If you're looking for the best auto insurance plan in Omaha, you might be wondering whether to choose Progressive or Geico. Both companies are well-known and offer a variety of coverage options and discounts. But which one is better for your needs and budget? Here's a comparison of Progressive and Geico based on some key factors.

Annual costs: According to NerdWallet, Geico has cheaper average rates than Progressive for most types of drivers, except those with a DUI conviction. Geico's average annual rate for good drivers with full coverage is $1,182, while Progressive's is $1,892. For drivers with poor credit, Geico's average rate is $2,146, while Progressive's is $3,274. For drivers with an at-fault accident, Geico's average rate is $2,097, while Progressive's is $2,975. For drivers with a DUI, Geico's average rate is $2,967, while Progressive's is $2,420.

Discounts: Both companies offer a range of discounts to help you save money on your premium. Some of the common discounts include multi-policy, multi-vehicle, good driver, good student, defensive driving course, anti-theft device and pay-in-full. Progressive also offers a unique discount called Snapshot, which tracks your driving habits and rewards you for safe driving. Geico also offers discounts for federal employees, military members and alumni associations.

Coverage options: Both companies offer all the standard coverages you need to drive legally and protect yourself financially in case of an accident. These include liability, collision, comprehensive, medical payments or personal injury protection (PIP), uninsured/underinsured motorist and roadside assistance. However, Progressive offers some additional coverages that Geico doesn't, such as gap insurance and new car replacement. Gap insurance covers the difference between what you owe on your car loan or lease and what your car is worth if it's totaled or stolen. New car replacement pays to replace your car with a new one of the same make and model if it's totaled within the first two years or 24,000 miles of ownership.

SR-22: If you need an SR-22 form to prove your financial responsibility after a serious violation, such as a DUI or reckless driving, both companies can help you file it with the state. However, you may face higher rates or cancellation depending on your driving record and state laws.

Good for teen drivers: Both companies offer special programs and discounts for teen drivers. Progressive has a Teen Driver Discount that gives you a lower rate if your teen driver has no violations or accidents for at least six months. Geico has a Family Pricing Program that lets you add your teen driver to your policy at a lower rate than a separate policy.

Good for retired drivers: Both companies offer discounts for retired drivers who drive less than the average driver. Progressive has a Retiree Discount that gives you a lower rate if you're retired and not employed full-time. Geico has a Prime Time Contract that guarantees no cancellation or surcharge if you're at least 50 years old and have no violations or accidents in the past three years.

Recommendations: Based on this comparison, Geico seems to be a better choice for most drivers in Omaha who want to save money on their auto insurance. Geico has lower average rates than Progressive for most driver profiles and offers more discounts and benefits. However, Progressive may be a better option for drivers who have a DUI conviction or want to use the Snapshot program to lower their rates based on their driving habits.

Local agents info and url: If you prefer to work with a local agent rather than online or by phone, here are some options for both companies in Omaha:

Progressive:

- The Insurance Center

  - Address: 12100 W Center Rd #208

  - Phone: (402) 334-1780

  - URL: https://www.progressive.com/agent/local-agent/nebraska/omaha/the-insurance-center-inc/

  - Customer reviews: 4.9 out of 5 stars based on 14 Google reviews

- Allstar Insurance

  - Address: 4915 N 120th St #107

  - Phone: (402) 551-1234

  - URL: https://www.progressive.com/agent/local-agent/nebraska/omaha/allstar-insurance/

  - Customer reviews: 4.8 out of 5 stars based on 25 Google reviews

- Advantage Insurance Agency

  - Address: 5050 S 135th St

  - Phone: (402) 331-2990

  - URL: https://www.progressive.com/agent/local-agent/nebraska/omaha/advantage-insurance-agency/

  - Customer reviews: 4.7 out of 5 stars based on 15 Google reviews

Geico:

- Jon Manz Insurance Agency

  - Address: 13026 W Center Rd

  - Phone: (402) 491-0909

  - URL: https://www.geico.com/insurance-agents/nebraska/omaha/jon-manz/

  - Customer reviews: 4.8 out of 5 stars based on 191 Google reviews

- Steve Beeghley Insurance Agency

  - Address: 7914 W Dodge Rd #450

  - Phone: (402) 575-9900

  - URL: https://www.geico.com/insurance-agents/nebraska/omaha/steve-beeghley/

  - Customer reviews: 4.8 out of 5 stars based on 83 Google reviews

- Rick Knosp Insurance Agency

  - Address: 11204 Davenport St #200

  - Phone: (402) 496-9033

  - URL: https://www.geico.com/insurance-agents/nebraska/omaha/rick-knosp/

  - Customer reviews: 4.7 out of 5 stars based on 67 Google reviews