Renters Insurance Comparison
GEICO vs Toggle by Farmers vs Progressive
Side-by-side comparison of GEICO vs Toggle by Farmers vs Progressive renters insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
GEICO edges ahead Toggle by Farmers and Progressive in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| GEICO | Toggle by Farmers | Progressive | |
|---|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 4.25 /5 ★★★★★ | 4.20 /5 ★★★★★ |
| National rank | #3 | #5 | #6 |
| Avg. annual rate | $96 -30% | $60 -40% | $120 -20% |
| Avg. monthly | $8 | $5 | $10 |
| Best for | GEICO is an affordable renters insurance with industry-leading mobile app and multi-policy bundling | Toggle by Farmers is a modern renters insurance that lets you pay only for what you need with built-in identity theft protection | Progressive is a renters insurance with easy bundling, online quotes, and HomeQuote Explorer comparison |
| Read full review | GEICO review → | Toggle by Farmers review → | Progressive review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | GEICO | Toggle by Farmers | Progressive |
|---|---|---|---|
| Customer experience | 4.55 · #4 | 4.40 · #5 | 4.25 · #6 |
| Coverage breadth | 4.70 · #3 | 4.40 · #5 | 4.25 · #6 |
| Affordability | 4.85 · #2 | 5.00 · #1 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
GEICO
Full review →Pros
- Among the lowest renters rates nationally
- Strong multi-policy auto+renters bundling discount
- Manage everything in the GEICO mobile app
- Strongest financial-strength rating (AM Best A++)
- 15+ years of consumer-renters experience
Cons
- Coverage limits can be lower than competitors
- Less personalized than agent-driven carriers
- Renters claims handling less mature than auto
- Fewer add-on options than larger renters specialists
Toggle by Farmers
Full review →Pros
- Skip coverages you don't need to lower your premium
- Built-in identity theft protection on most plans
- Modern app-first design and onboarding
- Backed by Farmers Insurance — solid financial backing
- Coverage starts at $5/month for basic plans
Cons
- Limited geographic availability
- Newer carrier with less long-term track record
- Fewer add-on options than legacy renters carriers
- Customer experience scores not yet well-established
Progressive
Full review →Pros
- Easy bundle with Progressive auto insurance
- HomeQuote Explorer® comparison tool
- Online quote and binding
- Strong digital tools and self-service
- Underwritten by ASI — financially strong
Cons
- Coverage limits can be lower than dedicated renters carriers
- Customer satisfaction for renters less established
- Bundling discount weaker than some competitors
- Less specialized renters expertise than top carriers
Coverage at a glance
What each carrier offers in standard policies.
GEICO
GEICO offers a comprehensive coverage menu typical of major renters insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Personal Property Replacement Cost — Replaces personal property at today's value, not depreciated
- Scheduled Personal Property — High-value items needing separate coverage
- Identity Protection — Identity theft restoration services
Toggle by Farmers
Toggle by Farmers offers a comprehensive coverage menu typical of major renters insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Identity Theft Protection — Identity restoration and fraud monitoring
- Side Income Coverage — Personal property used in side gigs and home businesses
- Pet Damage Coverage — Damage caused by pets to others' property
Progressive
Progressive offers a comprehensive coverage menu typical of major renters insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Personal Property Replacement Cost — Replaces items at today's value, not depreciated
- Scheduled Personal Property — High-value items above standard limits
The bottom line
GEICO
GEICO earns an overall score of 4.35/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #3 nationally, with particular strength in affordability.
GEICO is best suited for renters who prioritize the lowest possible rate. Coverage limits can be lower than competitors is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Toggle by Farmers
Toggle by Farmers earns an overall score of 4.25/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #5 nationally, with particular strength in affordability.
Toggle by Farmers is best suited for renters who prioritize the lowest possible rate. Limited geographic availability is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Progressive
Progressive earns an overall score of 4.2/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #6 nationally, with particular strength in specific specialty areas.
Progressive is best suited for renters who want a balance of price and service from an established carrier. Coverage limits can be lower than dedicated renters carriers is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.