Coverage Options

Both GEICO and Progressive offer standard auto insurance coverage required in Oklahoma, including:
✔ Liability coverage (bodily injury and property damage)
✔ Collision and comprehensive coverage
✔ Uninsured/underinsured motorist protection
✔ Medical Payments (MedPay) coverage

However, some additional coverage options set them apart:

• Progressive offers gap insurance, which is useful for financed or leased vehicles since it covers the difference between the car’s value and the loan amount if it’s totaled.
• GEICO provides Mechanical Breakdown Insurance (MBI), an alternative to extended warranties that covers major vehicle repairs for newer cars.
• Progressive includes custom parts and equipment coverage, making it a good option for Oklahoma drivers who modify their vehicles.
• GEICO offers rideshare insurance, ideal for Uber and Lyft drivers in cities like Oklahoma City and Tulsa.

For drivers who lease or finance their vehicles, Progressive’s gap insurance is a strong benefit. For rideshare drivers or those who want long-term repair coverage, GEICO’s rideshare insurance and MBI may be a better choice.

Pricing and Discounts

Oklahoma’s high rate of uninsured drivers and frequent severe storms impact insurance costs, making discounts even more important.

• GEICO generally offers lower rates for:
  ✔ Safe drivers with clean records
  ✔ Military members and government employees
  ✔ Multi-policy holders who bundle home or renters insurance
• Progressive may offer better rates for:
  ✔ High-risk drivers (those with previous accidents or violations)
  ✔ Drivers who participate in the Snapshot® program, which monitors driving habits and rewards safe behavior
  ✔ Drivers with multiple vehicles or policies

For low-risk drivers, GEICO often has better base rates. However, if you have a less-than-perfect driving history or want telematics-based discounts, Progressive might be the better choice.

Claims Process

Both GEICO and Progressive provide 24/7 claims filing through their mobile apps, websites, and customer service lines.

• GEICO is known for fast claims resolution, especially for minor accidents, with an efficient digital claims system.
• Progressive handles complex claims well, such as multi-vehicle accidents or high-value repair cases.
• Progressive also offers the Name Your Price® tool, allowing drivers to adjust their coverage based on their budget.

If you prioritize a fast, digital claims experience, GEICO is a great option. If you need flexibility in claims handling or expect complex claim scenarios, Progressive may be the better fit.

Customer Service

Both insurers provide strong customer service, but their approaches differ:

✔ GEICO is 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, making it better for drivers who prefer personal interaction when handling policies.

As an independent insurance agency, Blake Insurance Group offers personalized service to Oklahoma drivers, ensuring you get the best policy for your needs.

Unique Features

Each company has unique features that may appeal to different Oklahoma 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 Oklahoma.

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

Availability

Both GEICO and Progressive offer statewide coverage across Oklahoma, including Oklahoma City, Tulsa, Norman, Broken Arrow, and Lawton, as well as rural areas.

• GEICO is particularly popular among government employees and military families, given its affiliation with federal programs.
• Progressive is a strong choice for high-risk drivers, those looking for telematics-based discounts, and drivers who prefer agent support.

Regardless of where you live in Oklahoma, 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 is praised for affordability and fast claims processing, particularly for drivers who prefer a digital-first experience.
• Progressive is well-rated for customization options, flexibility, and willingness to cover high-risk drivers.

If you want 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 Oklahoma depends on your driving habits, budget, and coverage needs:

✔ Choose GEICO if you want affordable rates, a digital-first experience, fast claims processing, and 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 Oklahoma 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. 🚗💨