Geico remains among the most popular insurance brands in the U.S. across generations on YouGov‘s live rankings in 2025, with strong positive-opinion and awareness scores among Gen Z, Millennials, Gen X and Baby Boomers. As a household name in the insurance industry, Geico can be a solid fit for a variety of insurance needs and can be a viable path to homeowners insurance through its partner network. We take a deep dive in our 2025 Geico homeowners insurance review to help you determine if this company is the right insurance fit for you.
Geico Overview
Pros & Cons
Pros
- National coverage
- Affiliate and non-affiliate insurance partners
- Intuitive digital platforms (mobile app, web self-service, photo estimating; DriveEasy telematics in eligible states)
- Helpful digital resources for website and app support
- Bundle discounts for multiple Geico insurance policies
- Competitive homeowners insurance options via partners
- Often competitive pricing and bundling opportunities (varies by state and partner)
Cons
- Elevated NAIC complaint indices for several GEICO auto underwriting entities (Private Passenger Auto; industry average = 1.00)
- Mixed customer satisfaction results amid industrywide rate and claims pressures
- Third-party provider services policies
- Policies issued by Geico’s network of partners
- Limited discount options
- Discounts vary by region and issuing partner
Geico Highlights
Methodology
We evaluated the company based on their customer rating and experience, financial stability, and coverage to determine Reviews.com score and create our Geico Homeowners Insurance Review. To compare this company with home insurance companies across the board, we calculate each Reviews.com score based on the following:
- Customer Ratings — Customer ratings indicate satisfaction with shopping and the process of filing a claim. We reference the latest J.D. Power U.S. Home Insurance Study.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We base this measure on the NAIC National Complaint Index (industry average = 1.00; above 1.00 indicates more complaints than expected for the company’s market share).
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power (latest) | NAIC Customer Complaints |
| Geico | — | A++ | See latest study | Often above industry average (auto; varies by subsidiary/line) |
| State Farm | — | See AM Best | See latest study | Often below industry average (auto; verify via NAIC CIS) |
| Allstate | — | A+ | See latest study | Often above industry average (auto; verify via NAIC CIS) |
| Progressive | — | A+ | See latest study | Varies by subsidiary/line; verify via NAIC CIS |
| Amica | — | See AM Best | See latest study | Verify via NAIC CIS |
Information refreshed in 2025; rankings and indices update regularly—use linked sources for the most current figures.
Geico vs. State Farm
When we compared customer complaints for Geico versus State Farm home insurance, State Farm generally has fewer complaints than Geico at the brand level because several GEICO underwriting entities post above-average NAIC Complaint Index values in the Private Passenger Auto line (industry average = 1.00). Most of the complaints associated with the GEICO brand stem from auto, not homeowners. Another stand-out factor for State Farm is that the provider is a top-rated company in our survey for the best homeowners insurance companies.
In terms of availability and coverage, both companies have broad national footprints and local agents. However, homeowners availability and discounts vary by state and, for Geico, by the underwriting partner issuing the policy.
Geico vs. Allstate
Looking at customer complaints for Geico versus Allstate, the latter markets a wider array of optional features and discounts (e.g., new-car replacement, accident forgiveness, telematics) that Geico does not always advertise for homeowners, and Allstate underwrites its own homeowners policies while Geico works with a network of partners. Both companies offer intuitive websites and apps and maintain national presence, but availability and discounts vary by state.
The Bottom Line
Geico is a well-known, popular insurance brand that offers access to homeowners coverage through partner insurers. It may be worth getting a quote to see if it offers a competitive premium and features for the coverage you need. The provider’s leading apps, tools, and website support make it very accessible to customers.
Although the brand is associated with more regulator complaints than the industry average in auto insurance, most aren’t related to homeowners insurance. Since Geico offers coverage nationwide through partner carriers, it could be a solid choice for homeowners who want to purchase more than one policy. Current Geico policyholders may also save by bundling their coverages.
