Learn the pros and cons of Geico car insurance.
Geico (an acronym that stands for Government Employees Insurance Company) is the second largest car insurance company in the U.S. As such, there are thousands of Geico insurance reviews posted online (most of them positive). But is Geico a reliable insurer? We think so, though it may not be the best option for every driver.
In our research into the best car insurance companies in the industry, we named Geico our top choice. Learn why in this article, where we take a look at Geico car insurance coverage options, perks, and Geico reviews from customers.
In this article:
Our Take On Geico: 4.5 Stars
We rate 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 largely positive, indicating a reliable claims process and helpful agents.
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
| 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 |
|
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 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 that have left Geico auto insurance reviews seem pleased with the variety of coverage.
Geico Cost And Discounts
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 |
$100,000/$300,000/$50,000 |
$100,000/$300,000/$50,000 |
|
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 |
None |
$2,000 |
|
Uninsured/Underinsured Motorist |
$100,000/$300,000/$50,000 |
$100,000/$300,000/$50,000 |
|
Add-Ons |
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. Our rate estimate data suggests that Gieco has some of the lowest rates for young drivers and drivers with poor credit.
Cheapest car insurance estimates for drivers with poor credit
| Car Insurance Company | Annual Rate Estimate |
|---|---|
| USAA | $1,807 |
| Geico | $2,077 |
| Nationwide | $2,227 |
| Progressive | $2,514 |
| State Farm | $3,616 |
Cheapest car insurance estimates for young drivers
| Car Insurance Company | Annual Rate Estimate |
|---|---|
| USAA | $1,422 |
| Geico | $1,627 |
| State Farm | $1,765 |
| Progressive | $2,029 |
| Nationwide | $2,293 |
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. The average annual premium with Geico for experienced drivers with clean driving records is around $1,470, according to our cost research. This is about 27% cheaper than the national average.
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. In the J.D. Power 2021 U.S. Auto Insurance StudySM, Geico earned a satisfaction ranking above the regional average in California, the Central region, and New England. The insurer used to rank higher in this survey, but satisfaction scores have dipped some lately.
Still there are many positive Geico insurance reviews on sites like Trustpilot and the Better Business Bureau (BBB). On the BBB website, Gieco has an A+ rating, indicating that it promptly responds to customer complaints.
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
Compared to other insurers, Geico’s online customer review profile is good. However, Geico’s ratings aren’t the best in the industry, and quality can vary depending where you live. If you’re considering a policy with Geico, be sure to research Geico insurance reviews specific to your state or city.
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 2.3-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 the following states:
|
Arizona |
Colorado | Connecticut |
| District of Columbia | Florida | Illinois |
| Indiana | Iowa | Louisiana |
| Kentucky | Maryland | North Carolina |
| Nevada | New Jersey | New Mexico |
| Ohio | Oklahoma | Oregon |
| Pennsylvania | Tennessee | Texas |
| Utah | Virginia | Wisconsin
|
Other Recommended Providers
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.
To start comparing personalized car insurance quotes, call (844) 246-8209 or enter your zip code below.
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.
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