Geico vs. Progressive Homeowners Insurance in 2025 (Side-by-Side Review)
Geico and Progressive homeowners insurance offer competitive coverage, with rates starting at $52 per month. Geico provides budget-friendly policies, while Progressive offers more coverage options and discounts. Geico vs. Progressive is a showdown of savings, coverage, and service to find the best fit.
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Table of Contents
Table of Contents
Insurance Content Team Lead
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ow...
Laura Kuhl
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated January 2025
19,116 reviewsCompany Facts
$200k Policy
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
$200k Policy
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsWhen comparing Geico vs. Progressive homeowners insurance, Geico rates begin at $52 per month, and Progressive rates start at $58 per month. Geico is affordable and provides customizable coverage, so it is perfect for budget-sensitive homeowners needing protection.
Progressive offers more comprehensive coverage with many add-ons, such as protection against water backup, personal injury, personal property replacement, and a selection of personal discounts. These features help you manage your homeowner’s insurance cost-effectively.
Geico vs. Progressive Homeowners Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.4 | 4.3 |
| Business Reviews | 4.5 | 4.0 |
| Claim Processing | 4.8 | 3.5 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.4 | 4.2 |
| Customer Satisfaction | 2.3 | 2.1 |
| Digital Experience | 5.0 | 4.5 |
| Discounts Available | 4.7 | 5.0 |
| Insurance Cost | 4.5 | 4.4 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 4.1 | 5.0 |
| Savings Potential | 4.5 | 4.6 |
| Geico Review | Progressive Review |
Progressive is more suitable for homeowners who require stronger protection and flexibility. Compare quotes from the cheapest home insurance companies by entering your ZIP code into our free tool.
- Both companies offer bundling discounts for added savings on home insurance
- Customer reviews highlight Geico’s excellent service and Progressive’s flexibility
- Comparing rates, discounts, and coverage helps find the best fit for your home
Geico vs. Progressive Homeowners Insurance
Geico vs. Progressive homeowners insurance must be compared regarding coverage options, costs, discounts, and customer satisfaction. Geico and Progressive Insurance provide competitive policies but differ in pricing, available coverages, and customer experiences.
Heidi Mertlich Licensed Insurance Agent
A typical homeowners insurance policy covers dwelling protection, personal property, liability, and additional living expenses—here’s an in-depth comparison to help you decide which is best for your home protection needs.
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Geico vs. Progressive: Comparing Homeowners Insurance Rates by Age and Gender
Compared to other insurance providers, Geico Indemnity Company offers slightly lower rates for homeowners insurance, especially if bundled with auto insurance.
Geico vs. Progressive Home Insurance Monthly Rates by Policy
| Insurance Company | $200K Policy | $300K Policy | $500K Policy |
|---|---|---|---|
 | $67 | $101 | $173 |
 | $93 | $138 | $219 |
 | $72 | $109 | $184 |
| $52 | $81 | $132 |
 | $75 | $113 | $191 |
 | $67 | $103 | $175 |
| $58 | $87 | $149 |
 | $63 | $94 | $158 |
 | $61 | $95 | $163 |
 | $55 | $84 | $140 |
Geico Casualty Co. offers affordable packages, making it a strong competitor in the market. However, Progressive Direct generally offers higher starting premiums for Progressive homeowners insurance, particularly if you’re looking for replacement cost homeowners insurance, than competitors like State Farm or Allstate.
Geico and Progressive Coverage Cost
When comparing Geico vs. Progressive homeowners insurance, both companies provide solid options for homeowners looking for reliable coverage. Geico Insurance Company partners with third-party providers, offering varying premiums based on location and other factors, while Progressive Casualty Insurance Company provides comprehensive policy options.
Understanding their coverage costs and features can help homeowners choose the best fit for their needs. To learn more, read our home-based business insurance.
Geico Coverage Cost
Geico Insurance Company, known for its auto coverage, partners with third-party providers for homeowners insurance. As a result, Geico homeowners insurance premiums can vary widely depending on the provider in your area. Geico Casualty Company offers homeowners insurance policies, with costs varying based on home location and risk factors.
Progressive Coverage Cost
Progressive Casualty Insurance Company provides its Progressive home advantage policy through underwriters, offering homeowners comprehensive coverage. Rates for Progressive homeowners insurance vary based on coverage options, location, and specific home features, ensuring flexibility for different customer needs.
Geico and Progressive Coverage Options
Geico and Progressive offer customizable homeowners insurance with essential protections and add-ons.
Geico
- Basic Coverage: Property damage, liability, medical payments.
- Add-ons: Flood insurance, identity theft protection, home business coverage.
- Customizable Policies: Through third-party providers.
- Additional Coverage: Geico Casualty Co. offers flexibility, but coverage depends on the external provider.
Progressive
- Basic Coverage: Dwelling protection, liability, and additional living expenses.
- Progressive Home Advantage: Adds comprehensive protection, including replacement cost, personal property, and liability.
- Add-ons: Water backup, personal injury, and extended dwelling coverage.
Geico Insurance works through third-party providers, while Progressive provides its Home Advantage policy with extended coverage options. Check out our actual cash value homeowners insurance to learn more.
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Geico and Progressive Available Discounts
Geico Insurance Company and Progressive Insurance offer various discounts to help homeowners save on their insurance policies.
Geico Discounts
- Bundling Discounts: Save by combining Geico auto insurance with homeowners insurance.
- Home Security Discounts: Savings for security systems, smoke detectors, and burglar alarms.
- New Construction Discount: Lower rates for newer homes.
Progressive Discounts
- Progressive Direct Discounts: Save by bundling homeowners and auto policies.
- Loyalty Discount: Savings for long-time Progressive Insurance customers.
- Home Safety: Discounts for home safety features like alarms and fire sprinklers.
- Paperless Discount: Small savings for going paperless with bills and statements.
Geico provides bundling discounts, home security savings, and lower rates for new homes. Progressive offers discounts for bundling, loyalty, home safety features, and paperless billing. Explore our commercial insurance to get more details.
Geico and Progressive Customer Reviews
Geico and Progressive homeowners insurance receive mixed reviews. Geico is praised for customer service, especially when bundling, but faces complaints about third-party claims. Progressive earns positive feedback for bundling ease.
The user compares Geico, Progressive, and Direct Insurance in this Reddit post. They discuss pricing, coverage options, and customer service to determine which provider offers the best overall value.
Homesite homeowner insurance – progressive vs geico vs direct
byu/Far_Warning_4525 inInsurance
The conversation provides insights into personal experiences with these companies and highlights the pros and cons of each. Additionally, it discusses how each insurance provider caters to different customer needs and preferences, making it a helpful resource for those looking to make an informed decision.
However, some mention slow claim response times and home features that can make homeowners insurance more expensive, such as older roofs or high-risk locations, which may affect premiums.
Geico Reviews
Customer reviews show satisfaction with Geico Indemnity Company’s customer service, particularly when bundling home and auto insurance. Many appreciate the competitive rates and convenient bundling discounts.
However, some customers express frustration with the third-party provider claims process, citing delays and limited communication.
Progressive Reviews
Reviews of Progressive homeowners insurance are generally positive, with customers praising the ease of bundling through Progressive Direct. However, some report slow response times for specific claims through Progressive Casualty Insurance Company.
Geico and Progressive Business Reviews
Customer reviews for both Geico Insurance and Progressive Insurance highlight strengths and challenges. Geico Homeowners Insurance receives praise for excellent customer service, especially when bundling with auto insurance, though some find the claims process with third-party providers frustrating.
Insurance Business Ratings & Consumer Reviews: Geico vs. Progressive
| Agency | |  |
|---|---|---|
 | Score: 692 / 1,000 Above Avg. Satisfaction | Score: 672 / 1,000 Avg. Satisfaction |
 | Score: A+ Great Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 72/100 Avg. Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 1.11 Avg. Complaints |
 | Score: A++ Superior Financial Strength | Score: A+ Superior Financial Strength |
Progressive homeowners insurance is appreciated for its easy bundling through Progressive Direct, but a few customers report delays in claim responses from Progressive Casualty Insurance Company. Read our tropical storm homeowners insurance to find out more.
Geico Business Reviews
Government Employees Insurance Company (Geico) holds an A++ rating from A.M. Best for financial strength, indicating its reliability in paying out claims. Geico Indemnity Company and Geico Casualty Co. are considered financially strong, making Geico a trustworthy option for homeowners.
Progressive Business Reviews
Progressive Casualty Insurance Company holds an A+ rating from A.M. Best, which means it is financially stable. Progressive Corporation is also recognized for its friendly website, which makes policy management simple.
Besides strong digital tools, Progressive is recognized for flexible coverage options and many discounts, making it a favorite for homeowners seeking individualized protection.
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Geico and Progressive Pros and Cons
When comparing Geico vs. Progressive homeowners insurance, each company has its advantages and drawbacks, including how long it takes to get home insurance, as processing times and application ease can vary between providers.
Geico
Pros
- Affordable Bundling: Geico Insurance Company offers competitive rates when bundling homeowners and auto insurance, helping you save.
- Flexible Policy Options: Geico Casualty Co. provides flexible policies through third-party providers, allowing you to tailor coverage to your needs.
- Home Safety Discounts: Geico offers discounts for homes with security systems and other safety features, reducing your overall premium.
Cons
- Inconsistent Coverage: Coverage options vary by third-party provider, leading to potential inconsistencies in what’s offered.
- Complicated Claims Process: Customers may face delays or complications when filing claims through third-party providers used by Geico Indemnity Company.
Progressive
Pros
- Comprehensive Protection: Progressive Home Advantage provides extensive coverage options, including dwelling protection, liability, and personal property.
- Bundling Discounts: Progressive Direct offers substantial savings when combining homeowners and auto insurance policies.
- Safety Discounts: Progressive rewards homeowners with discounted premiums for safety features like alarms and fire sprinklers.
Cons
- Higher Premiums: Progressive’s homeowner’s insurance tends to have higher starting premiums than Geico Insurance.
- Slower Claims Handling: Some customers have reported slower response times when filing claims through Progressive Casualty Insurance Company.
Understanding the pros and cons of both insurers can help you decide which is best suited for your home insurance needs.
Geico vs. Progressive Homeowners Insurance: A Comprehensive Coverage Comparison
Both companies offer strong coverage options and discounts when comparing Geico vs. Progressive homeowners insurance. Geico tends to have slightly lower premiums but relies on third-party providers. Evaluating factors, including coverage options, costs, discounts, and customer satisfaction, is crucial when comparing Geico vs. Progressive homeowners insurance.
While both companies offer competitive policies, their pricing, available coverages, and customer experiences differ, making understanding the value ratio of homeowner’s insurance an essential part of choosing the right provider.
Below is a comprehensive comparison to determine which suits your home protection needs better. When you want affordable home insurance, the best place to start is to enter your ZIP code into our free comparison tool.
Frequently Asked Questions
Which company has better pricing for homeowners insurance?
Geico offers lower starting premiums, beginning at $125 monthly, while Progressive’s rates start at $130monthly. However, the final cost depends on location, coverage needs, and other factors. For a more detailed breakdown, checking a Progressive or Geico home insurance review can provide insights into pricing structures. Discover how to file a home insurance claim for further insights.
What discounts are available from Geico and Progressive for homeowners insurance?
Geico offers discounts for bundling policies, having home security systems, and insuring newer homes. Progressive provides discounts for bundling, loyalty, safety features, and paperless billing. Comparing Geico homeowners insurance quotes with Progressive homeowners reviews may highlight key differences in discount offerings.
Does either company offer coverage for water backup or personal property replacement?
Progressive provides optional add-ons like water backup protection and personal property replacement. Geico may offer similar options through its third-party providers, but availability depends on the provider. Customers often mention these details in Progressive homeowner insurance reviews.
Is bundling home and auto insurance available with Geico and Progressive?
Yes, both companies offer bundling discounts when you combine homeowners and auto insurance, which can result in significant savings. Many Progressive home insurance ratings highlight the savings from bundling, while Geico homeowners insurance quotes often emphasize affordability. Browse our cheap homeowners’ insurance with bad credit to gain more information.
How do Geico and Progressive compare in terms of financial stability?
Geico has an A++ rating from A.M. Best, indicating superior financial strength, while Progressive holds an A+ rating, signifying strong economic stability. These Progressive home insurance ratings and Geico home insurance reviews highlight their respective financial strengths.
How can I compare Geico and Progressive homeowners insurance rates to meet my needs?
Use an online comparison tool to enter your ZIP code and review personalized quotes from both companies. This allows you to evaluate rates, coverage options, and discounts side by side. Additionally, checking Progressive home insurance review resources and Geico homeowners insurance quotes can offer further clarity.
What are the customer reviews for Geico and Progressive homeowners insurance?
Geico is praised for affordable rates and customer service, especially for bundling, though complaints about third-party claims exist. Progressive receives positive feedback for flexible coverage and discounts but has some complaints about slow claims processing. For more insights, refer to Geico or Progressive home insurance reviews.
Can I switch my homeowner’s insurance from Geico to Progressive or vice versa?
Yes, you can switch between these providers. Review your current policy’s cancellation terms, ensure no coverage gaps, and coordinate the transition with the new provider. Customers frequently discuss their experiences in Progressive homeowners reviews.
Is Progressive good for homeowners insurance?
Yes, Progressive is a strong option for homeowners insurance. It offers comprehensive coverage with various add-ons and discounts. Customers often appreciate its flexibility and bundling opportunities, though some have noted delays in claims processing. Progressive homeowner insurance reviews frequently highlight these pros and cons.
What factors should I consider when choosing between Geico and Progressive?
Key factors include your budget, desired coverage options, available discounts, claims process efficiency, and whether bundling is your priority. Comparing Progressive vs. Geico home insurance options can also guide your decision. For additional details, refer to our factors that affect home insurance costs.
Is Geico homeowners insurance good?
Which is Geico vs. Progressive auto insurance better?
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