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Geico is the second-largest car insurance company in the United States, so there are thousands of Geico insurance reviews online. But is Geico a reliable insurer? We found that it’s both dependable and affordable, though it may not be the best option for every driver.

In our research on the best auto insurance companies in the industry, we named Geico as a top choice for most drivers. Learn why in this article as we take a look at Geico car insurance coverage options, costs, perks, and reviews from policyholders.

Geico Insurance Review

We rate Geico 4.6 out of 5.0 stars and rank it as having the Best Discount Availability in 2022. The insurance company’s cheap rates and simple claims process make it a smart choice for most drivers. Geico auto insurance reviews are largely positive, indicating a reliable claims process and helpful agents.

Geico is the second-largest car insurance provider in the country according to the National Association of Insurance Commissioners (NAIC). Since it’s such a huge company, it offers many insurance products, such as:

  • Motorcycle insurance
  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • RV insurance
  • Boat insurance

Below are the pros and cons of Geico insurance:

Pros And Cons Of Geico Insurance

Pros Many choices for coverage High level of customer satisfaction Superior financial strength rating from AM Best and A+ rating from the BBB Available in 50 states
Cons Average quotes process Usage-based app not available in all states

How Much Is Geico Car Insurance?

Compared to other leading insurers, Geico auto insurance is affordable. According to our cost estimates, full coverage insurance from Geico costs about $1,308 per year ($109 per month), which is around 24 percent cheaper than the national average of $1,730 per year ($144 per month) for good drivers.

Geico Car Insurance Monthly Cost

Here’s how monthly cost quotes from Geico compare to the industry average for a variety of drivers:

Driving ProfileGeico Monthly CostIndustry Monthly Cost
35-year-old$109$144
25-year-old$118$168

Geico Car Insurance Rates

According to our rate estimates, minimum coverage from Geico costs about $468 per year or $39 per month. This is about 26 percent cheaper than the national average for minimum liability coverage.

Because prices are affected by factors such as your age, gender, accident history, and the type of car you drive, the best way to estimate your monthly payment is to get a free quote. Our rate estimate data suggests that Geico has some of the best rates for drivers with poor credit as well as for young drivers.

We also surveyed 1,000 car insurance customers in 2022. Of the 117 respondents with a Geico policy, 36 percent believe they experienced a rate increase without an obvious cause. This is actually lower than the industry average of 41 percent across all companies.

Does Geico Check Credit?

Geico, like most insurance companies, will check your credit when determining rates. Below, you can see the five cheapest car insurance companies for drivers with poor credit. Geico is the second-cheapest option overall after USAA. Note that California, Hawaii, Massachusetts, and Michigan don’t allow insurance companies to use credit profiles to set rates.

Geico Rate Comparison: Cheapest Car Insurance Options For Poor Credit

Car Insurance CompanyAnnual Rate EstimateMonthly Rate Estimate
USAA$1,807$151
Geico$2,077$173
Nationwide$2,227$186
Progressive$2,514$210
State Farm$3,616$301

Geico Car Insurance Cost: Estimates By State

What you pay for car insurance from Geico depends in large part on your location. Drivers in some states may get charged as little as $1,000 per year, while others could pay $2,000 or more for full coverage insurance based on location alone. Here’s an overview of Geico’s insurance costs by state, along with each state’s average according to our rate estimates.

StateGeico Annual Cost EstimateState Average Cost Estimate
Alabama$1,181$1,479
Alaska$1,084$1,400
Arizona$1,071$1,754
Arkansas$1,446$1,525
California$1,570$2,089
Colorado$1,119$1,860
Connecticut$891$2,999
Delaware$1,519$2,169
Washington, D.C.$939$1,903
Florida$1,937$2,947
Georgia$1,238$1,617
Hawaii$1,419$1,819
Idaho$764$1,069
Illinois$1,073$1,347
Indiana$806$1,332
Iowa$1,171$1,181
KansasData not available$1,471
Kentucky$1,127$1,779
Louisiana$2,306$2,783
Maine$757$964
Maryland$1,100$1,818
Massachusetts$2,203$2,647
MichiganData not available$3,785
Minnesota$1,275$1,632
Mississippi$1,358$1,434
Missouri$2,227$1,734
Montana$1,471$1,938
NebraskaData not available$1,622
Nevada$1,243$2,149
New Hampshire$855$1,349
New Jersey$1,359$2,037
New Mexico$973$1,449
New York$1,835$2,783
North Carolina$1,169$1,368
North DakotaData not available$1,366
Ohio$753$1,027
Oklahoma$1,388$1,726
Oregon$1,104$1,334
Pennsylvania$2,306$1,647
Rhode Island$1,429$1,848
South Carolina$1,163$1,665
South Dakota$1,302$1,652
Tennessee$1,166$1,281
Texas$1,639$1,752
Utah$978$1,507
Vermont$1,005$1,056
Virginia$1,079$1,142
Washington$1,385$1,438
West Virginia$1,129$1,537
Wisconsin$738$1,219
Wyoming$2,180$1,767

Geico Car Insurance Cost: Accidents And Violations

With Geico, you could pay about $1,791 per year if you have a minor speeding citation or $3,376 if you have a DUI on your record. Below, you can see how Geico compares to national average rate estimates for 35-year-old drivers with different accidents and violations.

Violation TypeGeico Annual Cost EstimateNational Annual Cost Estimate
Speeding: 1-5 mph Over Limit$1,791$2,225
Speeding: 21-25 mph Over Limit$2,492$2,464
DUI$3,376$3,277
Stop sign violation$1,739$2,280
One accident$2,364$2,689
Two accidents$3,509$3,761

Geico Car Insurance Cost: Estimates By Age

Below are car insurance estimates for Geico for various driver ages.

AgeGeico Annual Cost EstimateGeico Monthly Cost Estimate
16$4,466$372
17$3,646$304
18$3,161$263
19$2,485$207
21$1,844$154
25$1,420$118
30$1,308$109
40$1,282$107
50$1,235$103
65$1,227$102
75$1,457$121

Geico Car Insurance Discounts

When you get a quote from Geico, ask about auto insurance discounts. There are numerous ways to save on coverage. We found that Geico offers a good number and variety of discounts compared to other companies.

Geico Car Insurance DiscountsEligibility Details
Multi-Policy DiscountGet a discount for bundling auto and home insurance or another type of coverage.
Multi-Vehicle DiscountSave up to 25% when you add a second vehicle to your policy.
Good StudentSave up to 15% for maintaining a high grade point average.
Good DriverSave up to 26% when you remain accident-free.
Driver's Education CourseLower your Geico auto insurance premium by taking a driver training course.
Defensive Driving CourseLower your premium by taking a defensive driving course.
New Vehicle DiscountEarn up to 15% off by insuring a new car with Geico.
Military DiscountEarn up to 15% off for your military affiliation.
Emergency DeploymentSave up to 25% when you are deployed with the military.
Federal Employee DiscountSave up to 8% on car insurance as a federal employee.
Membership and Employee DiscountSave on an insurance policy as a member of certain professional and alumni associations.
Safety FeaturesReceive discounts for having air bags (25% to 40%), anti-lock brakes (5%), anti-theft systems (25%), and daytime running lights (1%) in your vehicle.
Seat Belt UseEarn up to 15% off MedPay or PIP coverage by driving safely.

Cheapest Car Insurance for Bad Credit: Geico vs. Competitors

Below, you can see the five cheapest car insurance companies for drivers with bad credit. Geico is the second-cheapest option overall after USAA.

Geico Rate Comparison: Cheapest Car Insurance Options For Poor Credit

Car Insurance CompanyAnnual Rate EstimateMonthly Rate Estimate
USAA$1,807$151
Geico$2,077$173
Nationwide$2,227$186
Progressive$2,514$210
State Farm$3,616$301

Cheapest Car Insurance Estimates For Young Drivers: Geico vs. Competitors

We also found Geico to be a cheap option for young drivers. Geico is in the top five cheapest companies for 16-year-olds and 21-year-olds according to our estimates.

 

Geico Rate Comparison: Cheapest Car Insurance For 16-Year-Olds

Car Insurance CompanyAnnual Rate EstimateMonthly Rate Estimate
Erie Insurance$3,410$284
Auto-Owners$3,533$294
State Farm$4,146$345
Geico$4,466$372
Nationwide$4,567$381

Geico Rate Comparison: Cheapest Car Insurance For 21-Year-Olds

Car Insurance CompanyAnnual Rate EstimateMonthly Rate Estimate
USAA$1,609$134
Geico$1,844$154
Auto-Owners$2,074$173
Erie Insurance$2,103$175
Nationwide$2,147$179

Unless you’re in the military or have a family member with USAA, Geico provides some of the cheapest car insurance policies around. The average annual premium with Geico for experienced drivers with clean driving records is around $1,308, according to our cost research. This is about 24 percent cheaper than the national average.

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Geico Car Insurance Coverage

As a full-service provider, Geico offers the six standard types of car insurance:

  • Liability auto insurance (bodily injury/property damage liability): Covers damage to other people’s vehicles and their medical bills in accidents that you cause
  • Collision insurance: Covers your own vehicle when you cause an accident
  • Comprehensive car insurance: Covers damage from the environment, collisions with stationary objects, vandalism, and theft
  • Medical payments (MedPay): Covers your medical bills up to a limit
  • Personal injury protection (PIP): Covers medical bills, lost wages, and funeral costs
  • Uninsured/underinsured motorist coverage (UM/UIM): Covers your vehicle repairs and medical bills if someone without enough insurance causes an accident

Geico also offers some additional coverage options that set it apart from other providers.

Geico Car InsuranceDetails
Roadside assistanceEmergency road service coverage is available for a small fee – you can get it for as little as $14 per year. It includes battery jump-starts, spare tire installation, towing to a repair shop, and lockout services up to $100.
Rental car reimbursementThis coverage pays for the cost of a rental car while your car is being repaired after a covered claim. Geico works with Enterprise Rent-A-Car, which means your insurance will pay Enterprise directly.
Mechanical breakdown insuranceGeico mechanical breakdown insurance is similar to an extended warranty. Under an MBI plan, Geico will pay for repairs to any covered mechanical part on your car. This excludes wear and tear, tune-ups, and maintenance items. Your car is only eligible if it is under 15 months old or has fewer than 15,000 miles on it.
Rideshare insuranceIf you drive for Uber or Lyft, you're covered while waiting for, driving to, and carrying passengers.

While other roadside assistance plans may offer more service options, Geico’s plan covers the basics at an affordable price. Compared to AAA’s cost of $50 to $100 per year, it’s a pretty good deal for those who are insured by Geico. Overall, customers who have left Geico auto insurance reviews seem pleased with the variety of coverage.

Does Geico Offer Gap Insurance?

Geico does not offer gap insurance. Gap insurance covers the difference between your car’s value and what you owe on a loan in the event of a total loss. Other insurance providers like USAA offer it, as do a number of auto lenders.

How To File A Geico Car Insurance Claim

You can file a claim by calling the Geico claims department number at 800-841-3000. You can also file your claim through the Geico mobile app or at geico.com/claims. Once your claim is approved, Geico will mail a check directly to your provided address. This check will cover the claim amount minus your deductible and is typically mailed under 48 hours after approval.

How To Cancel Geico Car Insurance

You can only cancel your Geico car insurance policy by calling 800-841-1587 and speaking with a Geico insurance agent. Make sure to have your policy number on hand before speaking to someone. Geico does not charge a cancellation fee so there are no expenses to canceling a policy.

Geico Auto Insurance Customer Reviews

Geico has strong reviews for its easy insurance claims process and helpful customer service. In the J.D. Power 2022 U.S. Auto Insurance StudySM, Geico earned an above-average satisfaction ranking in eight of the 11 geographic regions.

There are many positive Geico insurance reviews on sites including Trustpilot and the BBB. On the BBB website, Geico has an A+ rating, indicating that it promptly responds to customer complaints.

Positive Geico Insurance Reviews

In positive Geico insurance reviews, customers praise the ease of communication with the company’s representatives.

“I’ve used Geico for the last [seven] years, and they have done a great job for me. No issues with claims. No reactive rate hikes after claims. Great communication. I’d recommend this company.”

– Mark C. via BBB

“I have been with this insurance company for [nine] years now, and they have always been so great to work with! They help every time I call and are always so friendly. I am proud to call them my insurance company. When I was in my first accident, they made the whole process so easy and got me into a rental within the next business day.”

– C.J. Fritz via BBB

Negative Geico Insurance Reviews

While Geico insurance has positive comments from customers overall, the company has received some complaints as well.

“Terrible company if you ever have to file a claim … When it was determined that six months later that an engine failure was most likely due to previous damage to work done under [a] previous claim, they were entirely unresponsive. They refused to even come and see the vehicle damage at the dealership.”

– Toure P. via BBB

“Geico really takes [their] time with handling claims. You may save money with Geico, but you waste a lot of time. I responded to a ridiculous total loss amount for my car (barely half of what I paid for [the] vehicle and not even half of what [it was] valued at) at 11:00 a.m. and was told that he would review everything on Tuesday. Today is Friday!”

– Brittaney P. via BBB

Compared to other insurance providers, Geico’s online customer review profile is good. However, Geico’s ratings aren’t the best in the industry, and claims satisfaction can vary depending on where you live. If you’re considering a policy with Geico, research Geico insurance reviews specific to your state or city.

Geico App Review

More than 3.3 million Geico customer reviewers give the app an average of 4.8 out of 5.0 stars in the App Store, and over 440,000 users give it a 4.6- out of 5.0-star average on Google Play.

With the Geico insurance app, you can view insurance documents, pay bills, file claims, and request roadside assistance. Depending on your auto insurance plan, the app also has the functionality to schedule damage inspections, rentals, and repairs.

Geico Customer Service

In 2022, our team ran a second survey that asked nearly 7,000 car insurance customers about their experiences with different companies. Out of the total, 1,111 people had Geico. Survey respondents rated their overall satisfaction with Geico as 4.1 out of 5.0. This is a decent score, but the average rating on the survey was 4.2. Respondents also rated it about average for affordability and experiences with claims adjusters.

Below is a rating summary from our survey:

Aspect SurveyedGeico Rating (Out Of 5.0)Industry Average Rating (Out Of 5.0)
Overall satisfaction4.14.2
Customer service44
Affordability3.73.7
Coverage selection3.83.9
Claims service4.14.2
Mobile app rating4.24.2

What Is Geico DriveEasy?

Geico’s DriveEasy® app is a telematics program that tracks policyholders’ driving habits in real time. The app monitors driving habits including distracted driving and hard braking practices along with time spent on the road. Unlike Progressive’s Snapshot program, it can’t raise car insurance rates, but it can lower them.

How Does Geico DriveEasy Work?

Geico DriveEasy Pro uses the sensors in your phone to pick up driving habits and give you a score as well as tips to help you become a better driver. While it only monitors only simple driving habits, Geico uses the information to inform the company on how safe of a driver you are. Below are the main components used to determine your DriveEasy score:

  • Distracted driving
  • Hard braking
  • Road type
  • Distance driven
  • Time of day
  • Weather

The app typically takes between 24 and 48 hours to process and update all of the information. If the details are inaccurate, you’ll be able to update it to the correct information by using the trip information tab.

Geico DriveEasy States

At this time, DriveEasy is available in the following locations:

AlabamaArizonaColorado
ConnecticutDistrict of ColumbiaFlorida
GeorgiaIdahoIllinois
IndianaIowaLouisiana
KentuckyMarylandMichigan
MinnesotaNorth CarolinaNebraska
NevadaNew JerseyNew Mexico
OhioOklahomaOregon
PennsylvaniaSouth CarolinaTennessee
TexasUtahVirginia
Wisconsin

Geico DriveEasy Discount

Geico auto insurance customers can get up to a 25 percent discount including an initial discount of 15 percent. This applies to customers that Geico deems as good drivers based on the DriveEasy Pro app tracking information.

Is Geico DriveEasy Worth It?

The Geico DriveEasy program can be worth it if you’re a good driver and don’t mind having your driving information tracked. The program can give you good discounts and provides you with helpful tips on how to improve behind the wheel. However, this all depends on what Geico considers to be a good driver. Make sure before enrolling in this program to compare your definition of a good driver with theirs to make sure that it’s a good fit for you.

How To Turn Off Geico DriveEasy

If you would like to turn off Geico DriveEasy on your device, you’ll need to go to your app store setting menu, select subscriptions, and turn off the subscription to its services. If you’d like to unenroll in the Geico DriveEasy program you can call an agent at 800-841-3000.

Geico Insurance: Additional Coverage Offerings

Geico offers many different types of insurance including but not limited to home insurance and life insurance. Below, we’ll break down some of their other insurance offerings and their coverage:

Geico Home Insurance

Many drivers choose to bundle their home and auto insurance coverage plans to save money. Geico homeowners insurance covers property damage from fire, wind, hail, and sometimes water (depending on the policy). Other coverage options include personal property, jewelry, personal liability, medical bills, and expenses incurred during a covered loss.

Geico Life Insurance

Geico sells term, whole, and universal life insurance. These options can cover your debts and replace your income for your beneficiaries in the event of death. Term life insurance applies over a specific period of time, while whole and universal life insurance policies don’t expire. Term life can be a good option if you just want security while you have a large financial burden like a mortgage, while whole life can help you leave more money or fund a trust for beneficiaries.

Geico Insurance Review: Conclusion

Our team rated Geico car insurance as 4.6 out of 5.0 stars and we have given it the title of “Best Discount Availability” in 2022. Geico’s cheap car insurance options and simple claims process make it a great option for coverage. The high customer ratings of the company also highlight how helpful agents are and the ease of its car insurance processes.

The DriveEasy program also allows you to get additional discounts if you’re a good driver. Although Geico is a great insurance company, we recommend that you search around and compare options before committing to a provider.

Geico Auto Insurance Competitors: Top Picks

While Geico is a reliable option for most drivers, we encourage you to get quotes from multiple providers to better compare coverage and rates. In addition to the insurance company you choose, factors such as your age and driving history and the vehicle’s make and model can affect your premium, so what’s best for your neighbor might not be best for you.

If you’re looking for a few more insurance companies to compare with Geico, check out USAA, Progressive, and State Farm.

  • USAA: This company is the best option for military members and their families for its comprehensive coverage and benefits, great rates, and excellent customer service. Learn more in our complete USAA auto insurance review, or read about USAA vs. Geico to compare these top providers.
  • Progressive: Insurance through Progressive is affordable for many drivers across the U.S. Plus, Progressive has a great mobile app and shopping experience with its quote comparison tool. Read our full Progressive auto insurance review to learn more.
  • State Farm: This insurer has more customers than any other car insurance company, and it’s great for young drivers. In our State Farm auto insurance review, we recognized the provider for its student driving programs that can save considerable money.
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Geico Insurance Review: FAQ

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.