Coverage Options

Both GEICO and Progressive provide standard coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. However, Progressive offers gap insurance, which covers the difference between a car’s loan balance and its depreciated value in case of total loss—a great option for those financing a new car.

Progressive also stands out with custom parts and equipment coverage, ideal for Arizona drivers who modify their vehicles. GEICO, on the other hand, is known for its mechanical breakdown insurance (MBI), which can cover repair costs similar to an extended warranty but at a lower price.

Pricing and Discounts

Arizona’s auto insurance rates vary based on factors like driving history, location, and vehicle type. GEICO is often praised for offering some of the lowest rates, especially for good drivers, military members, and federal employees.

Progressive, however, excels in discounts for high-risk drivers and those who participate in their Snapshot® program, a usage-based insurance option that tracks driving habits and offers personalized discounts. If you’re a safe driver looking to maximize savings, Progressive may provide greater potential discounts.

Claims Process

Both companies offer 24/7 claims filing through their websites and mobile apps, making the process convenient. Progressive’s Name Your Price® tool allows customers to customize coverage to fit their budget, while GEICO boasts a highly-rated digital claims process with fast approvals.

Progressive may have an edge when it comes to handling more complex claims involving multiple vehicles or commercial policies. However, GEICO is known for quicker claim resolutions, particularly for minor accidents.

Customer Service

GEICO has a reputation for fast and efficient service, especially through its user-friendly app and website. Many customers prefer GEICO’s direct model, which minimizes agent involvement and simplifies policy management.

Progressive, in contrast, provides more personalized service through independent agents. This can be beneficial if you prefer expert guidance in choosing the right coverage. Since Blake Insurance Group is an independent agency, we often help clients compare options beyond just GEICO and Progressive to find the best fit.

Unique Features

• Progressive: The Snapshot® program rewards safe driving, and its gap insurance is a valuable add-on for those financing or leasing their vehicles.
• GEICO: The MBI (Mechanical Breakdown Insurance) is an affordable alternative to dealership extended warranties.

Availability

Both insurers operate statewide in Arizona and offer strong coverage options. GEICO is particularly appealing for military families and government employees, while Progressive caters to a broader range of drivers, including high-risk individuals.

Reputation and Reviews

GEICO is often praised for affordable rates and digital experience, while Progressive gets high marks for customization and coverage flexibility. However, customer satisfaction with both companies can vary based on personal experiences with claims and billing.

Which One is Right for You?

• If you’re looking for low rates, a simple claims process, and excellent digital tools, GEICO may be the better fit.
• If you need flexible coverage, personalized service, and a strong high-risk driver program, Progressive could be a great choice.

At Blake Insurance Group, we specialize in helping Arizona drivers compare all available options, not just GEICO and Progressive. We can help you find the best policy based on your unique needs and budget. Contact us today for a personalized car insurance quote and let’s get you covered!