Independent comparison. Not affiliated with Progressive or Geico.
Progressive vs Geico Coverage: Every Option Compared
Last verified April 2026
Both offer all standard auto coverage. The differences are in the extras: Progressive has pet injury coverage and trip interruption. Geico has mechanical breakdown insurance. Here is the full picture.
Complete Coverage Comparison
16 coverage types with availability and key details for each insurer.
| Coverage type | Progressive | Geico |
|---|---|---|
| Bodily injury liability | Yes | Yes |
| Property damage liability | Yes | Yes |
| Collision | Yes | Yes |
| Comprehensive | Yes | Yes |
| Uninsured/underinsured motorist | Yes | Yes |
| Personal injury protection (PIP) | Yes | Yes |
| Medical payments | Yes | Yes |
| Pet injury coverage | Yes ($1,000/pet) | No |
| Trip interruption | Yes | No |
| Mechanical breakdown insurance | No | Yes |
| Rideshare coverage | Separate policy | Integrated |
| Gap insurance | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Roadside assistance | Yes | Yes |
| Custom parts/equipment | Yes | Limited |
| Name Your Price tool | Yes | No |
Progressive-Exclusive Coverage
Pet Injury Coverage ($1,000/pet)
Covers veterinary bills if your pet is injured in a car accident covered by your policy. Limited to $1,000 per pet per incident. Included automatically with collision coverage at no extra charge. If you regularly drive with pets, this is a meaningful differentiator.
Trip Interruption Coverage
If your car is disabled in a covered accident or breakdown more than 100 miles from home, Progressive will cover reasonable expenses for meals and lodging (typically up to $500). Useful for road trip coverage that most policies ignore.
Custom Parts and Equipment (Enhanced)
Progressive offers broader coverage for aftermarket modifications including stereos, wheels, suspension upgrades, and cosmetic changes. Coverage up to $5,000 for custom parts. Geico offers basic custom parts coverage but with more limitations.
Geico-Exclusive Coverage
Mechanical Breakdown Insurance (MBI)
A Geico-exclusive alternative to extended warranties. Covers mechanical and electrical failures not caused by accidents, wear items, or maintenance neglect. Available for vehicles under 15 months old with fewer than 15,000 miles. Typically costs $150 to $300/yr and covers repairs up to the vehicle's value.
Classic Car Insurance (via Assurant)
Geico partners with Assurant to offer specialised classic car insurance. This provides agreed-value coverage (not actual cash value) for qualifying classic and antique vehicles. Progressive does not have an equivalent programme.
Integrated Rideshare Coverage
Geico integrates rideshare coverage directly into your personal auto policy. When you are driving for Uber or Lyft, your personal policy extends to cover the gaps in the rideshare company's coverage. Progressive offers rideshare coverage as a separate policy, which means managing two policies.
Gap Insurance
Both Progressive and Geico offer gap insurance. This coverage pays the difference between your car's actual cash value and the remaining balance on your auto loan or lease if your vehicle is totalled.
When you need it: Gap insurance is most valuable when you owe more than your car is worth. This is common in the first 2-3 years of a new car loan, for leased vehicles, and when you made a small or zero down payment.
Cost: Gap insurance from your auto insurer typically costs $20 to $40/yr, significantly cheaper than dealer-offered gap coverage ($500-700 upfront). Both Progressive and Geico price this similarly.
Frequently Asked Questions
Does Progressive cover pet injuries in a car accident?
Yes. Progressive offers pet injury coverage up to $1,000 per pet as part of their collision coverage. This covers veterinary bills if your pet is injured in a car accident. Geico does not offer this coverage.
What is Geico mechanical breakdown insurance?
Geico's mechanical breakdown insurance (MBI) is an alternative to extended warranties. It covers mechanical and electrical failures not caused by accidents or wear items. It is available for vehicles under 15 months old with fewer than 15,000 miles. This is a Geico-exclusive product.
Which is better for rideshare drivers?
It depends on your preference. Progressive offers a separate rideshare-specific policy that provides gap coverage between your personal policy and Uber/Lyft coverage. Geico integrates rideshare coverage directly into your personal auto policy. Geico's approach is simpler; Progressive's offers more customisation.
Do both offer gap insurance?
Yes. Both Progressive and Geico offer gap insurance, which covers the difference between what you owe on your car loan and the car's actual cash value if it is totalled. This is important for leased vehicles or new cars that depreciate quickly.
What is Progressive Name Your Price?
Name Your Price is a Progressive-exclusive tool that lets you enter your budget and see what coverage options fit. It helps you understand the trade-offs between coverage level and cost. It is a shopping tool, not a coverage type, and can be useful for budget-conscious drivers.
Which has better uninsured motorist coverage?
Both offer comparable uninsured/underinsured motorist coverage. Coverage limits and availability vary by state. In states with high uninsured motorist rates (like Florida at 20%+), this coverage is especially important regardless of which insurer you choose.