Find out what makes Geico our first choice for car insurance.


Millions of people use Geico auto 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 insurance reviews.

In our research into the best car insurance companies in the industry, we named Geico our first choice. In this article, we’ll take a look at Geico car insurance by exploring coverage options, perks, and Geico reviews from customers.


In this article:



Our Geico Review: 4.5 Stars

We rated Geico 4.5 out of 5.0 stars and named it the Best Overall in 2021. The insurance company’s cheap rates and simple claims make it a smart choice for most drivers. Geico auto insurance reviews are positive, and the insurer earned an A++ rating from AM Best.



Geico Auto Insurance Coverage

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

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 Car 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 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.
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. 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. We were quoted just $294 for a six-month Geico insurance policy, or about $49 per month.

Here's a look at another Geico quote we received for a married couple, ages 30 and 31, who drive a 2016 Chevrolet Colorado with 50,000 miles and a 2012 Toyota RAV-4 with 120,000 miles. Because the Colorado is financed, it requires collision and comprehensive coverage, while the RAV-4 does not.

Geico Auto Insurance Quote Basic Coverage Full Coverage

Liability Insurance



Collision Insurance

$500 deductible for Colorado only

$500 deductible for both vehicles

Comprehensive Insurance

$500 deductible for Colorado only $500 deductible for both vehicles

Medical Payments



Uninsured/Underinsured Motorist




Roadside assistance and rental car reimbursement ($30 per day) for Colorado only

Roadside assistance and rental car reimbursement ($30 per day) for both vehicles

6-Month Premium

$576.10 (or $99.02 per month) $738.71 (or $126.13 per month)

Because price is affected by things like 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. 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.

Geico Discounts

When you get a quote from Geico, make sure to ask about discounts. There are numerous ways to save on coverage.

Geico Insurance Discounts Eligibility 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 Save up to 15% for maintaining a high grade point average.
Good Driver Save up to 26% when you remain accident-free.
Driver's Education Course Lower your Geico auto insurance premium by taking a driver training course.
Defensive Driving Course Lower your premium by taking a defensive driving course.
New Vehicle Discount Earn up to 15% off by insuring a new car with Geico.
Military Discount Earn up to 15% off for your military affiliation.
Emergency Deployment Save up to 25% when you are deployed with the military.
Federal Employee Discount Save up to 8% on car insurance as a federal employee.
Membership and Employee Discount Save on an insurance policy as a member of certain professional and alumni associations.
Safety Features Receive 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 Use Earn up to 15% off MedPay or PIP coverage by driving safely.


To find out how much you would pay for car insurance, call our designated quotes team at (844) 246-8209 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 2020 U.S. Auto Claims Satisfaction StudySM, earning 871 out of a possible 1,000 points. The study was based on 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 Auto Insurance 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 Auto Insurance 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 on your plan, the app also has the 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 2.4-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.



Final Thoughts

After reviewing every major provider in the industry, our team named Geico the Best Overall for most drivers.

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

Company Information

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 special 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.

An A++ rating from AM Best is the highest rating possible. That means that Geico can pay customer claims with ease. Geico also has an A+ rating from the Better Business Bureau (BBB) and countless five-star Geico insurance reviews from happy customers.

Aside from car insurance, you can also find Geico motorcycle insurance plus other insurance products such as:

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • RV insurance
  • Boat insurance
  • And more

Other Top Choices For Car Insurance

While Geico 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.

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.
  • 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.

To start comparing personalized car insurance quotes, call (844) 246-8209 or enter your zipcode below.




FAQ About Geico

Is Geico insurance reliable?

With an A++ financial strength rating from AM Best and an A+ rating from the BBB, Geico is a reliable choice for car insurance coverage. In our in-depth review, we awarded the provider 5.0 out of 5.0 stars for its strong industry reputation.

Why is Geico auto insurance so cheap?

Compared to competitors, Geico auto insurance is affordable for most drivers. One reason that coverage comes so cheap is that the provider has many discount opportunities, including a military discount, good student discount, and safe driver discount.

What is the best-rated auto insurance company?

After reviewing every major auto insurance company in the industry, our team named Geico the Best Overall. USAA scored highest with 5.0 out of 5.0 stars, however, coverage is only available to military members and their families. Because of this, Geico is a smart choice for most drivers.

Is Progressive or Geico better?

Between Progressive and Geico, Geico is rated slightly higher by experts like J.D. Power, AM Best, and the BBB. Our Progressive vs. Geico review found that both providers offer comprehensive car insurance coverage and competitive rates. The company that is best for you will depend on what you're looking for.




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 sample quotes 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.


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