Progressive's home insurance policies average $459 per month with a MoneyGeek overall score of 3.75 out of 5. Those are among the weakest price-to-quality combinations in our full dataset, and they fall below most of the options available through GEICO's partner network.
Progressive vs. GEICO: Home Insurance Review (2026)
Updated: July 10, 2026
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Key Takeaways
Progressive's $459 monthly average is higher than three of GEICO's four main underwriting partners, and its overall MoneyGeek score of 3.75 is the lowest of any provider across all three of our GEICO comparison pages.
Progressive's coverage score is 2.29 out of 5, among the weakest in our full analysis, compared to Homesite's 4.20 and Chubb's 4.37, the two GEICO partners that may be assigned to homeowners.
Progressive auto customers already have a direct bundle option, which means GEICO's main value-add, the auto bundle discount, may not be a great selling point if you already have a Progressive auto policy.
How GEICO Home Insurance Actually Works
Home insurance underwriting means one company takes full responsibility for pricing your policy, defining your coverage, and paying your claim. Progressive handles that directly. GEICO doesn't: it routes your home to a separate partner company that takes on those responsibilities instead.
Once your policy is in place, the partner company runs everything: your documents, your claims number, and your renewal notices all go through them, not GEICO. GEICO's direct role is limited to keeping your home and bundle accounts linked and passing a bundle discount through to your car insurance bill.
The Main Home Insurance Companies GEICO Works With
The partner companies below are the ones most homeowners would realistically be assigned through GEICO. Which one you end up with depends on your state and home profile, and GEICO doesn't always show you the partner's name before you start the quote.
Note: Lemonade, Hippo, Safeco, and several other GEICO partners aren't included in this comparison because MoneyGeek doesn't have rate or scoring data for them.
MONEYGEEK EXPERT TIP
If GEICO routes you to Homesite in your state, you can also request a quote directly at Homesite's website. Comparing the direct Homesite quote to the one GEICO gives you lets you see whether routing through GEICO changes your rate at all before you commit.
Progressive vs. GEICO — At a Glance
We've analyzed how Progressive and GEICO compare based on three factors: affordability, customer satisfaction and coverage options. GEICO's column shows a range because its rates and scores belong to its partner companies, not to GEICO itself.
Who actually covers your home | Progressive | A separate partner company |
Who handles your claim | Progressive | That same partner company |
Who sets your rate | Progressive | That same partner company |
MoneyGeek overall score | 3.75/5 | 3.65 to 4.34 out of 5 (varies by partner) |
Average monthly cost | $459 | $174 to $453 (varies by partner) |
Average annual cost | $5,505 | $2,089 to $5,435 (varies by partner) |
GEICO's ranges reflect the reality that until you complete the quote, you don't know which partner covers your home or what rate you'll actually pay.
Progressive vs. GEICO: Cost Comparison
Progressive at $459 per month is more expensive than every GEICO partner except Travelers at $453, which is already the highest-cost GEICO option in our analysis.
Progressive | $459 | $5,505 |
GEICO via American Modern | $174 | $2,089 |
GEICO via Homesite | $211 | $2,526 |
GEICO via Chubb | $352 | $4,221 |
GEICO via Travelers | $453 | $5,435 |
Three of the four GEICO partners cost less than Progressive, and two of those three score higher overall. The $248 monthly gap between Progressive and GEICO via Homesite is the most noticeable number in our analysis: Homesite costs $248 less per month than Progressive home and scores higher on most measures.
For a policy at Progressive's price tier, you'd expect the scores to justify the cost, but they don't. The cost case for Progressive home insurance is weak compared to nearly every alternative, including most options available through GEICO.
MONEYGEEK EXPERT TIP
If you're bundling home and auto through Progressive, get the bundled quote directly from Progressive before comparing anything through GEICO. The combined discount on both policies is the main financial argument for choosing Progressive home insurance, and you need that full picture before comparing individual line items.
Progressive vs. GEICO: MoneyGeek Scoring Comparison
MoneyGeek scored each company on overall quality, affordability, customer experience, and coverage. Because GEICO's scores belong to its partner companies rather than GEICO itself, the range across partners is wider than most direct comparisons.
Progressive | 3.75 | 4.09 | 3.87 | 2.29 |
GEICO via American Modern | 3.98 | 4.74 | 3.47 | 2.18 |
GEICO via Homesite | 4.18 | 4.63 | 3.33 | 4.20 |
GEICO via Chubb | 4.34 | 4.19 | 4.59 | 4.37 |
GEICO via Travelers | 3.655 | 4.11 | 3.81 | 1.67 |
Progressive's coverage score of 2.29 is the most important number to note in our analysis. At $459 per month, homeowners are paying more than GEICO's most expensive partner, Travelers.
Customer experience is the one area where Progressive holds its own. Its 3.87 score is slightly higher than both Homesite (3.33) and American Modern (3.47), but it's not a large enough gap to justify paying $248 more per month than Homesite.
Which Home Insurance Should You Choose: Progressive or GEICO?
- You already bundle home and auto with Progressive and want to keep both policies under one company
- You prefer a direct relationship with the company writing and managing your home policy
- You've gotten a specific Progressive quote in your state and it's much better than the national average. The $459 figure reflects a national average; your actual rate may vary
- You already have GEICO car insurance and want the bundle discount on your auto bill. It's the main reason GEICO home insurance is worth considering at all
- GEICO routes you to Homesite in your state. At $211 per month with a 4.18 overall score and 4.20 coverage score, it outperforms Progressive on both price and most scoring measures
- You want to compare multiple coverage options through one quote process
Progressive vs. GEICO Home Insurance Comparison: Bottom Line
Progressive home insurance is expensive for what it delivers. At $459 per month, it costs more than most GEICO partner options while carrying a coverage score of 2.29, one of the weakest in MoneyGeek's full analysis. Still, GEICO's value for you depends entirely on which partner underwrites your policy, and customers who already bundle with Progressive have a direct option that makes GEICO's go-between role unnecessary.
The most useful finding in our analysis is that GEICO via Homesite delivers a 4.18 overall score and strong coverage at $211 per month. That's $248 cheaper than Progressive home with substantially better coverage. For most homeowners evaluating these two options, going directly to Homesite is the practical answer rather than routing the purchase through either Progressive's home platform or GEICO.
Home Insurance from Progressive vs. GEICO: FAQ
GEICO's partners are generally cheaper than Progressive. Progressive averages $459 per month; GEICO routes customers to partners ranging from $174 (American Modern) to $453 (Travelers) per month. Three of GEICO's four main partners cost less than Progressive home, and two of those three score higher overall. As always with GEICO, your specific rate depends on which partner company covers homes in your state.
It doesn't. GEICO works as a referral platform: it matches you with a separate insurance company that sets your rate, defines your coverage, and manages your claim. Depending on your state, that company could be Travelers, Homesite, American Modern, Chubb, or another carrier from GEICO's network. Progressive, by contrast, handles all of that directly without a go-between.
No. GEICO's bundle discount applies to your GEICO car insurance bill only. If your car is insured elsewhere, going through GEICO for home insurance adds a middleman without producing a discount on either policy. You'd get the same home policy by going directly to whichever GEICO partner covers your state.
Homesite is the most direct comparison for standard homeowners. It costs $248 less per month than Progressive and scores much higher on coverage (4.20 vs. 2.29). For high-value homes, Chubb at $352 per month offers the strongest scores of any main GEICO partner (4.34 overall, 4.37 coverage) and still costs less than Progressive home. Either option delivers better value than Progressive home for buyers who aren't bundling with Progressive.
For most homeowners, GEICO via Homesite is the stronger option. It costs $211 per month versus Progressive's $459, with a 4.18 overall score and a 4.20 coverage score, compared to Progressive's 3.75 overall and 2.29 coverage. The exception is homeowners who already bundle with Progressive and want to keep both policies under one company, where Progressive's direct bundle is the simpler path.
MoneyGeek evaluated both Progressive and GEICO's partner companies against a sample profile of a 40-year-old homeowner with a 2,500-square-foot home, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability, good credit and no claims in the past five years, using a weighted system of affordability (55%), customer experience (35%) and coverage (10%). Progressive's scores reflect its own policies; the scores on GEICO's side belong to its underwriting partners, including Travelers, Homesite, American Modern and Chubb. Read more about how MoneyGeek evaluates home insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
Sources
- GEICO. "GEICO Insurance Agency: Affiliated and Non-Affiliated Insurance Companies." Accessed July 1, 2026.
- Progressive. "Home Insurance Discounts." Accessed July 1, 2026.