Coverage Options

Both GEICO and Progressive offer the state-mandated minimum coverage required in Florida, including:
✔ Personal Injury Protection (PIP) – Covers medical expenses and lost wages, regardless of who caused the accident.
✔ Property Damage Liability (PDL) – Covers damage to another person’s vehicle or property.

In addition to these minimum requirements, both companies offer:
✔ Collision and comprehensive coverage
✔ Bodily Injury Liability (BIL) coverage (not required in Florida, but highly recommended)
✔ Uninsured/underinsured motorist protection

However, Progressive stands out with:

• Gap Insurance, which covers the difference between your car’s loan balance and its depreciated value if it’s totaled.
• Custom Parts & Equipment Coverage, ideal for Florida drivers who modify their vehicles.

Meanwhile, GEICO offers:

• Mechanical Breakdown Insurance (MBI), which covers repair costs beyond regular wear and tear for newer cars.
• Rideshare Insurance, a must-have for Florida’s large number of Uber and Lyft drivers.

If you lease or finance your vehicle, Progressive’s gap insurance is an advantage. If you drive for a rideshare company or own a newer car, GEICO’s rideshare coverage and MBI might be more beneficial.

Pricing and Discounts

Florida has some of the highest car insurance rates in the country due to its high accident frequency, hurricane risks, and no-fault insurance system.

• GEICO tends to offer lower rates for:
  ✔ Good drivers with clean records
  ✔ Military members and government employees
  ✔ Multi-policy holders (bundling home/renters insurance with auto insurance)

• Progressive may provide better pricing for:
  ✔ High-risk drivers (those with accidents or violations on record)
  ✔ Drivers who participate in the Snapshot® program, which tracks driving habits and rewards safe behavior
  ✔ Drivers bundling multiple cars or policies

If you’re a low-risk driver, GEICO usually offers better base rates. However, Progressive is often a better choice for high-risk drivers or those who want discounts through usage-based insurance.

Claims Process

Both companies offer 24/7 claims filing via their mobile apps, websites, and customer service lines.

• GEICO is known for a fast and efficient claims process, particularly for minor accidents and digital claims.
• Progressive handles complex claims well, especially those involving multiple vehicles, high-cost repairs, or commercial insurance policies.
• Progressive also offers a Name Your Price® tool, which allows drivers to adjust their coverage based on budget.

If you want quick claims resolution, GEICO is a great option. If you need flexible coverage or expect a more complex claims process, Progressive might be a better fit.

Customer Service

Both insurers offer strong customer support, but they take different approaches:

✔ GEICO operates as a digital-first company, meaning most policy management, claims filing, and payments happen through their mobile app and website.
✔ Progressive provides a mix of digital tools and independent agents, which is beneficial for those who prefer personalized service when managing their policies.

As an independent insurance agency, Blake Insurance Group provides personalized service to Florida drivers, ensuring you get the best policy based on your needs.

Unique Features

Each company has distinct features that may appeal to different Florida drivers:

✔ GEICO’s Mechanical Breakdown Insurance (MBI) – A cost-effective alternative to an extended warranty, ideal for drivers with newer vehicles.
✔ Progressive’s Snapshot® program – A usage-based discount program that rewards safe driving habits.
✔ Progressive’s gap insurance – Provides financial protection for leased or financed vehicles.
✔ GEICO’s rideshare insurance – A great option for Uber and Lyft drivers in Florida.

If you want extended repair coverage, GEICO’s MBI is an advantage. If you want to lower your rates through safe driving, Progressive’s Snapshot® is a great option.

Availability

Both GEICO and Progressive offer statewide coverage across Florida, including major cities like Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale, as well as smaller towns and rural areas.

• GEICO is especially popular among government employees, military members, and rideshare drivers.
• Progressive is a top choice for high-risk drivers, those looking for usage-based discounts, and drivers who want agent support.

Regardless of where you live in Florida, both companies provide reliable coverage options.

Reputation and Reviews

Both GEICO and Progressive have strong reputations for:
✔ Financial stability and the ability to pay out claims quickly
✔ Reliable digital platforms for managing policies
✔ Competitive pricing and discounts

However, customer experiences vary:

• GEICO receives high ratings for affordability and fast claims processing, especially for drivers who prefer a digital experience.
• Progressive is praised for its flexibility, customization options, and willingness to cover high-risk drivers.

If you prefer a simple, digital-first experience with low rates, GEICO is a great fit. But if you want flexible coverage and more discount opportunities, Progressive is worth considering.

Which One is Right for You?

The best car insurance in Florida depends on your driving habits, budget, and coverage needs:

✔ Choose GEICO if you want affordable rates, an easy-to-use digital platform, fast claims processing, or rideshare insurance.
✔ Choose Progressive if you need customized coverage, high-risk driver policies, or discounts based on your actual driving behavior.

Still unsure? At Blake Insurance Group, we specialize in helping Florida drivers compare multiple options—including GEICO, Progressive, and other top insurers—to find the best policy at the best price.

📞 Contact us today for a free quote! Let’s make sure you’re getting the best coverage for your needs. 🚗💨