About Geico Insurance

Progressive is now the number one auto insurance carrier in South Dakota and the number one carrier in the entire United States. Progressive Insurance operates throughout South Dakota, providing drivers with online services, local claims support, and access to independent insurance agents. That's not a title they earned overnight. Founded in 1937, Progressive spent decades building toward that position, and a few milestones along the way help tell the story. They became a publicly traded company in 1971, and in 1995 they launched the first major auto insurance website in the country, well before most companies were thinking seriously about the internet. By 2024, they had climbed to the top spot in U.S. auto insurance market share.

For a long time, Geico operated primarily as a direct-to-consumer carrier, meaning customers had to go straight to Geico without the option of working through a local independent agent. That changed recently. Within the past year, Geico made the decision to open up their products to independent agents in South Dakota, and Aaron Smith Insurance Group was one of the very first agencies in the state to come on board. As a state-licensed, multi-carrier agency with experienced, customer-focused professionals, we've already seen a lot of success with them in a short amount of time..

Geico Insurance Coverage Options Near You

Geico offers a solid range of coverage options, and here's where we currently work with them on behalf of our clients:

• Auto Insurance — Personal auto coverage for drivers across a range of risk profiles. Geico is competitive for both clean driving records and higher risk drivers, with price points that often stand out from the competition. Coverage includes liability protection, uninsured motorist coverage, and medical payments options, with flexible deductible choices to fit your budget. Affordable premiums combined with convenient online account access and a mobile app make managing your policy hassle-free.

• Commercial Auto Insurance — This is where Geico truly separates itself. For business owners with vehicles on the road, Geico is typically our first call. They win roughly 90% of the commercial auto deals we bring them, and it's not particularly close. Whether you need liability coverage for a single work truck or comprehensive protection for an entire fleet, Geico's underwriting approach and competitive premiums deliver reliable, affordable solutions.

• Full Coverage Options — For clients carrying a loan on their vehicle, Geico offers the comprehensive and collision coverage required by lenders, along with optional add-ons like replacement cost coverage for newer vehicles. Additional coverage options include roadside assistance, rental reimbursement, gap insurance, and accident forgiveness to customize your protection. We help policyholders compare coverage limits and adjust deductibles to balance premium costs with adequate protection.

One thing worth noting: we do not currently have a homeowners product through Geico. For clients who need a home and auto bundle, we will look at other carriers in our portfolio to find the right fit. But for auto and especially commercial auto, Geico is very much in the conversation.

Why Choose Geico in South Dakota

Geico is newer to the independent agent channel here in South Dakota, which actually works in our clients' favor. As one of the first agencies they partnered with in the state, we have a front-row seat to what they can offer and strong working relationships with their team from the start.

What makes them a compelling choice here comes down to two things: national strength and local service through our office. Geico has a broad claims network that, while perhaps not as deeply embedded in a market like South Dakota as it would be in Dallas or Orlando, still delivers on the promise when it counts. When a claim comes in, their technology and processing systems are built to handle it efficiently and get clients taken care of. With 24/7 claims support and transparent communication throughout the process, policyholders can file claims online or through the mobile app for immediate response.

And just like with any carrier we work with, our 30-plus years of relationships with local body shops are what bridge the gap. The shops know Aaron Smith. That matters when a client's car is in the bay and something needs to get resolved quickly.

What Makes Geico Different

Their commercial auto pricing is in a class of its own. For business owners insuring one vehicle or an entire fleet, Geico's pricing is consistently aggressive. We bring them commercial auto deals and they win roughly 90% of the time. That's not something you see often in this space, and it speaks to how seriously they're competing for that business.

Their technology makes the claims process fast and clean. When a vehicle goes into a body shop and additional damage is found, the shop needs to submit a supplement to the insurance carrier. With some carriers, that back-and-forth can create delays. Geico's technology infrastructure makes that communication quick, which means repairs move forward faster and clients aren't sitting around waiting on approvals. For a body shop trying to turn vehicles around efficiently, that matters a great deal. This ease of filing claims and quick response time reduces stress for customers during what's already a difficult situation following an accident.

National coverage, no matter where you are. Whether a client is driving through Texas on vacation or visiting family in another state and has an incident, Geico's national network means they can be taken care of wherever they are. That kind of reach is something you can only get with a carrier of Geico's size.

Going through our agency means no hold times. As Aaron puts it, "more than 50% of people want to be taken care of and not just go into on-hold hell for an hour." When you're our client, you call us and we take it from there. Same Geico coverage, none of the hassle. Our customer service team provides same-day service for quote requests, policy adjustments, and claim support—delivering the convenient, immediate assistance that today's digital-first customers expect.

When We Recommend Geico

Geico goes to the top of our list in two situations.

First, any time a business owner comes to us needing commercial auto coverage, Geico is typically our first stop. The diversity of business types they can cover is broad, roughly 95% of the commercial operations we see, and their pricing wins the deal more often than not. Whether it's a contractor with a single work truck or a business running a small fleet, Geico is almost always in the mix and frequently comes out on top.

Second, on the personal auto side, Geico is one of the five carriers we consistently run for clients when shopping personal coverage. Our rating system pulls quotes across all of our carriers simultaneously, and Geico shows up competitively for a wide range of drivers, including those with some history on their record who might expect to pay more elsewhere. When customers compare insurance quotes across multiple carriers, Geico frequently offers affordable rates for multi-vehicle households, young drivers, and senior drivers alike. Available discounts include safe driver discounts, good student discounts, military discounts, and multi-policy savings opportunities.

Every carrier has a different formula for how they assess risk and set rates. The carrier that prices one client favorably might not do the same for the next. That's exactly why having access to 200 companies matters, and Geico earns its place in that lineup consistently. Our licensed brokers help first-time insurance buyers understand their options and guide experienced policyholders through policy renewal considerations, ensuring you get the right coverage at the best price.

Why Go Through Aaron Smith Insurance Group for Your Geico Quote?

Client Story: $10,000 in Savings on a Commercial Fleet

A contractor based in Dallas came to us spending $40,000 a year on commercial fleet insurance. After running his coverage through Geico, we got him the same protection, actually better coverage, for $30,000. That's $10,000 back in his pocket every year, a 25% reduction, without giving anything up on the coverage side. For a business owner watching his operating costs, that kind of savings is significant. And it came down to one thing: finding the carrier that appreciated his business the most.

That's what we do. We don't push clients toward one carrier. We bring all of them to the table and let the best value win. When drivers search for affordable insurance and customers compare insurance quotes, they deserve transparent pricing and honest guidance—not pressure tactics.

Beyond the pricing side, working with our agency means your policy is set up correctly from day one. Geico is a nationally recognized brand with the network to back it up, but even a strong carrier can't protect you if the policy wasn't structured properly to begin with. We make sure the coverage matches your actual exposure, whether that's a personal auto policy or a commercial fleet, so there are no surprises when you need it most. We address common concerns about coverage gaps, help you understand your liability limits, explain deductible options, and ensure you have adequate protection including personal injury protection where required.

And when a claim does happen, we're in it with you. We know the body shops. We know the process. We review the paperwork and advocate on your behalf so you're not navigating it alone .From working with the claim adjuster to addressing any concerns about claim denial or coverage questions, our experienced team ensures a smooth, hassle-free claims experience.

Get a Geico Quote Through Aaron Smith Insurance Group

Ready to find out what Geico can do for you? Contact Aaron Smith Insurance Group and we'll run your information across our full network, make sure you're set up with the right coverage, and handle the details every step of the way.

Get an instant quote, compare your options, and save on your insurance premium with flexible payment options including paperless billing and automatic payments. Whether you want to switch carriers or are looking to renew your existing policy, our certified professionals deliver reliable, trusted service with the convenience and transparency you deserve.

Aaron Smith Insurance Group
4300 S Louise Ave Unit 100
Sioux Falls, SD 57106
Phone: (605) 250-3702
Open 24 Hours

Review:
★★★★★ “Awesome to work with! Quick to quote and great coverage for the cost. Thanks for all your help with our rental property!”
– Jared K.

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