Find out what makes Geico car insurance our first choice.
Millions of people use Geico insurance for its affordability and smooth claims experience. The well-known provider is the second largest car insurance company in the U.S. and has many happy customers, as shown by thousands of positive Geico auto insurance reviews.
In our research into the best car insurance companies in the industry, we named Geico as the Best Overall in 2020. Today, we’ll take a look at Geico car insurance by exploring coverage options, perks, and Geico reviews from customers.
To get free car insurance quotes from top insurers in your area, enter your zip code above or call (855) 518-0148.
In this article:
- Geico Overview
- Geico Auto Insurance Coverage
- How Much Does Geico Insurance Cost?
- Geico Auto Insurance Reviews And Ratings
- Geico Auto Insurance Apps
- Our Take On Geico: 4.5 Stars
- Other Top Choices For Car Insurance
Geico is an acronym that stands for Government Employees Insurance Company. The insurer was born in 1936 to serve government employees. Today, Geico provides services to all drivers in 50 states, but it still offers discounts and programs for federal employees. As a part of Berkshire Hathaway, Geico wrote over $34 billion in premiums in 2019 according to the National Association of Insurance Commissioners.
The company has an A++ rating from AM Best, which is the highest rating possible. That means that Geico can meet its financial burden from covering so many policies with ease. Geico also has an A+ rating from the Better Business Bureau (BBB) and countless five-star Geico auto insurance reviews online from happy customers.
In addition to car insurance, Geico offers insurance products such as:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Motorcycle insurance
- RV insurance
- Boat insurance
- And more
Geico Auto Insurance Coverage
As a full-service provider, Geico offers the six standard types of car insurance: liability insurance, collision insurance, comprehensive car insurance, medical payments (MedPay), personal injury protection (PIP), and uninsured/underinsurance motorist coverage. Geico also offers some additional coverage options that set it apart from other providers.
|Geico Car Insurance||Details|
|Roadside Assistance||Roadside assistance coverage is available for a small fee – you can get it for as little as $14 per year. It includes jump-starts, spare tire installation, towing to a repair shop, and lockout services up to $100.|
|Rental Reimbursement||This coverage pays for costs of a rental car while your own 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 Insurance||Geico mechanical breakdown insurance is similar to an extended warranty. Under an MBI plan, Geico will cover repairs to any 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.|
|Rideshare Insurance||If you drive for Uber or Lyft, you're covered while working.|
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 that have left Geico auto insurance reviews seem pleased with the variety of coverage.
How Much Does Geico Insurance Cost?
Compared to other leading providers, Geico auto insurance is affordable. There are a number of discounts available that can lower the cost of your car insurance premium.
Because price is affected by things like your age, accident history, and the type of car you drive, it can be difficult to estimate your monthly payment without getting a quote. But unless you’re in the military or have a family member with USAA, we think Geico provides some of the cheapest car insurance policies around.
Our review team reached out for a sample quote for a 25-year-old female driver with a 2016 Honda Fit with 50,000 miles. This driver had no accidents or tickets on record and lived in Raleigh, N.C. We were quoted just $294 for a six-month policy.
When you get a quote from Geico, make sure to ask about discounts. There are numerous ways to save on coverage.
|Geico Auto Insurance Discounts||Details|
|Multi-Policy Discount||Get a discount when you bundle home and auto insurance or another type of coverage.|
|Multi-Vehicle Discount||Save up to 25% when you add a second vehicle to your policy.|
|Good Student||Earn up to 15% off for maintaining a high grade point average.|
|Good Driver||You can save up to 26% when you remain accident-free.|
|Driver's Education Course||If you take a driver training course, you could qualify for savings on Geico auto insurance.|
|Defensive Driving Course||Taking a driving course can help lower your premium.|
|New Vehicle Discount||Earn up to 15% off by insuring a new car with Geico.|
|Military Discount||Military personnel can save up to 15%.|
|Emergency Deployment||Military service members who are deployed can save up to 25%.|
|Federal Employee Discount||True to Geico's roots, federal employees can get up to 8% off their car insurance.|
|Membership and Employee Discount||Members of certain professional and alumni associations can save on an insurance policy.|
|Safety Features||You can get a discount 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 Use||Safe drivers earn up to 15% off MedPay or PIP coverage.|
To find out how much you would pay for car insurance, call our designated quotes team at (855) 518-0148 or enter your zip code below.
Geico Auto Insurance Reviews And Ratings
Geico has strong reviews for its easy claims process and helpful customer service. There are over 13,000 Geico auto insurance reviews on the insurer's own website, which average 4.5 stars.
The insurance company tied for third place on J.D. Power’s 2019 U.S. Auto Claims Satisfaction StudySM, earning 879 out of a possible 1,000 points. The study was based responses from more than 11,000 car insurance customers who settled claims in the previous six months. In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM, Geico came in first place in the North Central and Northwest regions for customer satisfaction.
Positive Geico Reviews
"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 Reviews
While Geico has positive comments from customers overall, the company has received some complaints in Geico auto insurance reviews too.
"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 AM and was told that he would review everything on Tuesday. Today is Friday!"
- Brittaney P. via BBB
Geico Auto Insurance Apps
With Geico Mobile, you can view insurance documents, pay bills, file claims, and request roadside assistance. More than two million reviewers give the app a 4.8-star rating in the App Store. Depending your plan, the app also has functionality to schedule damage inspections, rentals, and repairs.
Geico's other app is DriveEasy®, a usage-based driving program that became available in some states in 2019. The app tracks things like distracted driving, hard braking, and time spent on the road. Unlike Progressive’s Snapshot, it can't raise your car insurance rates, but it can lower them. The app only has a 2.6-star rating in the App Store, with negative Geico insurance reviews noting that their phone battery life is significantly lowered while using the app.
So far, DriveEasy is available in Connecticut, Illinois, Maryland, Oregon, Pennsylvania, and Wisconsin.
Our Take On Geico: 4.5 Stars
We rated Geico 4.5 out of 5.0 stars and named it the Best Overall in 2020. Its nationwide availability, affordable rates, simple claims process, positive Geico auto insurance reviews, and A++ rating from AM Best make it a smart choice for most drivers.
|Many choices for coverage||Average quotes process|
|High level of customer satisfaction|
|Superior financial strength rating and A+ rating from the BBB|
While Geico car insurance is a reliable option for most drivers, we encourage getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
To start comparing personalized car insurance quotes, call (855) 518-0148 or enter your zip code below.
Other Top Choices For Car Insurance
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 the top providers.
- Progressive: Insurance through Progressive is also affordable for many drivers across the U.S. Plus, Progressive has a great mobile app and shopping experience with its quotes comparison tool. Read our full Progressive auto insurance review to learn more, or start comparing Geico vs. Progressive.
- State Farm: This insurer has more customers than any other car insurance company in the nation – 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 you money.
Read our other insurance articles: