GEICO Auto Insurance: User Reviews and Quotes (2025)
GEICO offers auto insurance in all 50 states and Washington, D.C. Its competitive rates and numerous discounts make it a popular choice.
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Written byJulia Taliesin
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Table of contents
GEICO is the third-largest U.S. auto insurer by market share and one of the best-known national insurance companies. Its car insurance rates are often among the cheapest available in all 50 states and Washington, D.C. And GEICO has 16 discounts plus a usage-based insurance program that could save you even more on premiums.
A Berkshire Hathaway Group company, GEICO sells home, renters, business, life, travel, pet, and more insurance products in addition to various auto insurance coverages. Here’s what to know about GEICO as you shop for car insurance.
Quick Facts
GEICO is one of the cheapest national insurers (some regional companies have lower rates).
In the J.D. Power 2024 U.S. Auto Insurance Study, GEICO scored around or below average for customer satisfaction in most regions.[1]
GEICO is one of a few national insurers offering mechanical breakdown insurance.
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How GEICO compares to other insurance companies
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.0
Best choiceBased on 13,314 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,871)
John
Verified Review
Geico Experience
Reviewed in Virginia on December 2025
Great customer service is the reason I have stayed for 33 years. Claims processing is also very good.
Phillip
Verified Review
Always available and personally knowledgeable
Reviewed in New Jersey on December 2025
It's very good!
Jody
Verified Review
GEICO is always one of the top choices
Reviewed in Nevada on December 2025
Overall, one of the best. Flexible options and discounts.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO largely measures up to its competitors and has some of the lowest national average rates, according to Insurify data. It’s among the biggest national insurers by market share and ranks well for financial strength and long-term credit, meaning it can reliably pay claims.
The insurer offers many discounts for everything from being a good student or federal employee to driving a vehicle with anti-theft systems and taking a defensive driving course.
Here’s how GEICO compares to other large insurers.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
Factor  | How GEICO Compares |
|---|---|
| Rates | Cheaper |
| Customer service | Similar to competitors |
| Discounts | More than competitors |
| Availability | Similar to competitors |
| Financial strength | Stronger than competitors |
GEICO Updates
October 2024: Despite viral claims, GEICO is still insuring cybertrucks.
October 2024: Florida court rules against GEICO in glass company suit.
June 2024: Tesla hires former GEICO executive to lead strategic insurance partnerships.
How GEICO rates compare to competitors
GEICO offers competitive rates and is often among the cheapest car insurance insurance companies available in all U.S. states. Only State Farm, USAA (only available to members of the military community), and a handful of regional insurers beat GEICO’s full-coverage rates, Insurify data shows. COUNTRY Financial, NJM, Auto-Owners, Erie, and Root have cheaper average full-coverage rates, but none sell insurance in all 50 U.S. states like GEICO.
Here’s how GEICO’s national average full-coverage rate compares to the rates of other national insurance companies.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of GEICO auto insurance
GEICO’s average auto insurance rates are typically well below the national average for full-coverage and liability-only insurance. Even GEICO’s rates for higher-risk drivers, like teens and drivers with an incident on their record, are relatively low.
For example, teen drivers on their own insurance policy pay about 37% more for a GEICO auto insurance policy, versus 73% more for an Allstate policy, according to Insurify data.
Here’s how GEICO’s average monthly liability-only rates compare to the national averages for a few different driver profiles.
Driver | GEICO Average Quote | National Average |
|---|---|---|
| Drivers with a clean record | $91 | $100 |
| Drivers with a speeding ticket | $122 | $127 |
| Drivers with an at-fault accident | $111 | $133 |
| Drivers with a DUI | $128 | $147 |
| Teen drivers | $164 | $193 |
| Senior drivers | $66 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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GEICO car insurance cost by state
Several rating factors affect your auto insurance premiums, and your location is a big one. Your state insurance market, regional inflation, and local severe weather like hail or hurricanes can influence your rates.[2] For example, drivers in urban areas pay more expensive rates given the increased risk of theft and accidents in densely populated areas.
GEICO’s average rates are usually among the cheapest available in most states. Rates vary widely state-to-state, though. Arizona drivers pay an average of $119 monthly for liability coverage through GEICO, while New Mexico drivers pay $119 per month.
These are the average monthly liability-only insurance quotes for GEICO in each state, compared to the overall state average liability-only quote.
State | GEICO Average Quote | State Average |
|---|---|---|
| Alabama | $80 | $65 |
| Arizona | $119 | $93 |
| Arkansas | $68 | $82 |
| California | $114 | $93 |
| Colorado | $93 | $93 |
| Connecticut | $141 | $168 |
| Delaware | $161 | $157 |
| Florida | $163 | $155 |
| Georgia | $182 | $159 |
| Hawaii | $45 | $59 |
| Idaho | $43 | $62 |
| Illinois | $79 | $80 |
| Indiana | $52 | $67 |
| Iowa | $44 | $53 |
| Kansas | $49 | $76 |
| Kentucky | $120 | $115 |
| Louisiana | $105 | $104 |
| Maine | $66 | $81 |
| Maryland | $190 | $185 |
| Massachusetts | $71 | $105 |
| Michigan | $178 | $137 |
| Mississippi | $74 | $66 |
| Missouri | $100 | $90 |
| Montana | $50 | $65 |
| Nebraska | $68 | $70 |
| Nevada | $201 | $155 |
| New Hampshire | $38 | $53 |
| New Jersey | $256 | $174 |
| New Mexico | $119 | $68 |
| New York | $189 | $168 |
| North Carolina | $73 | $64 |
| North Dakota | $52 | $66 |
| Ohio | $58 | $69 |
| Oklahoma | $92 | $83 |
| Pennsylvania | $106 | $91 |
| Rhode Island | $162 | $146 |
| South Carolina | $120 | $162 |
| South Dakota | $40 | $59 |
| Tennessee | $64 | $66 |
| Texas | $102 | $120 |
| Utah | $84 | $97 |
| Vermont | $55 | $62 |
| Virginia | $114 | $110 |
| Washington | $105 | $93 |
| Washington, D.C. | $213 | $217 |
| West Virginia | $92 | $81 |
| Wisconsin | $52 | $59 |
| Wyoming | $40 | $55 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Alaska, Minnesota, and Oregon omitted due to insufficient data.
GEICO car insurance discounts
It’s important to consider car insurance discounts when choosing the right insurance company since savings vary and insurers offer different options. GEICO offers common discounts for things like bundling auto with a home insurance policy, insuring multiple vehicles, and having an accident-free record. As GEICO started as an insurance company serving military members and federal employees, it still offers special discounts for those drivers.[3]
Discounts can lower your premium significantly, so always ask about what discounts you’re eligible for. Not all insurers will automatically apply them to your policy, and you may have to provide documentation to qualify for some discounts.
Here are some discounts available from GEICO and your potential savings.
Type of Discount | Potential Savings |
|---|---|
| Multi-vehicle | Up to 25% |
| Emergency deployment | Up to 25% |
| Airbag | Up to 23% |
| Anti-theft system | Up to 23% |
| Good driver (five years accident-free) | Up to 22% |
| New vehicle discount | Up to 15% |
| Good student | Up to 15% |
| Military | Up to 15% |
| Federal employee | Up to 12% |
| Multi-policy (bundling) | Varies |
How customers feel about GEICO
Like many insurance companies, GEICO’s online reviews are mixed. GEICO scores 1.3 out of 5 stars on Trustpilot. Some Trustpilot users reported a frustrating claims process and rising premiums, while others described professional and helpful customer service experiences.
GEICO has consistently around- or below-average scores in industry customer service and claims satisfaction ratings but also receives fewer complaints than other auto insurers of its size. Below are a few sources to consider to learn how GEICO auto policyholders feel about their insurer.
GEICO customer reviews
Insurify asks consumers to rate their insurance companies and collects the information so shoppers can hear from people directly about their experience. These are all real, verified GEICO insurance reviews, and more policyholders report their experiences every day.
John
Verified Review
Geico Experience
Reviewed in Virginia on December 2025
Great customer service is the reason I have stayed for 33 years. Claims processing is also very good.
Phillip
Verified Review
Always available and personally knowledgeable
Reviewed in New Jersey on December 2025
It's very good!
Jody
Verified Review
GEICO is always one of the top choices
Reviewed in Nevada on December 2025
Overall, one of the best. Flexible options and discounts.
Mina
Verified Review
Excellent, for me it's difficult these days and better the known than the unknown.
Reviewed in Nevada on December 2025
It's an excellent insurance company, and I have been with them for many years.
…
GEICO ratings
Industry ratings can help you understand an insurance company’s business reliability and its reputation for customer satisfaction. Global rating agency AM Best rates insurers’ financial strength and credit. A higher score indicates that an insurer has good risk management and can reliably pay claims.
Consumer insights agency J.D. Power measures customer and claims satisfaction among auto insurers, and GEICO mostly ranks around or below average. It ranks second-highest in the usage-based insurance category, likely for its DriveEasy safe driving program.
The insurer’s National Association of Insurance Commissioners (NAIC) complaint index score indicates how GEICO’s number of consumer complaints compares to the industry average for a company of its size.
Rating | Score | What This Means |
|---|---|---|
| AM Best |
| Highest possible score (best operating performance, business profile, and risk management) |
| J.D. Power |
| Ranked around or below study average (scored out of 1,000) |
| NAIC Complaint Index | 0.90 | Received 10% fewer complaints than the market average |
GEICO car insurance coverage options
GEICO offers standard coverage options, including liability coverage that meets state-minimum insurance requirements, collision, comprehensive, and uninsured/underinsured motorist coverages. Drivers can also purchase optional coverages like emergency road service, rental reimbursement, and mechanical breakdown insurance.
Knowing insurance terms and definitions can help you understand policies as you shop, so here’s what each type of coverage includes.
Liability coverage
This includes bodily injury and property damage liability protection, which cover injuries or damages you cause to another person or their property. It’s generally the cheapest type of insurance you can buy but provides no financial protection for your vehicle.
Collision coverage
Part of a full-coverage policy, collision insurance pays for damage to your car if you hit another vehicle or a stationary object, like a fence or tree. Collision coverage also pays in case of rollover accidents.
Comprehensive coverage
As part of full-coverage car insurance, comprehensive insurance reimburses you for losses from theft or damage from something other than a crash with a car or object. It covers damage from fire, flooding, windstorms, hail, vandalism, animals (including a collision with a deer), and more.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage reimburses you if a driver without insurance — or without enough insurance to cover your damages — hits your vehicle. Uninsured motorist coverage can also pay for medical expenses and vehicle damage in a hit-and-run accident.
Medical payments (MedPay) coverage
MedPay coverage is optional in most states. If you and your passengers need medical attention, it helps cover related bills and funeral expenses, no matter who’s at fault.
Personal injury protection (PIP) coverage
Personal injury protection covers accident-related medical expenses, lost wages, household services, and funeral expenses for you and your passengers, regardless of fault. Some states with no-fault insurance systems require drivers to carry personal injury protection.
Mechanical breakdown
Mechanical breakdown insurance covers repair costs if your car breaks down, needs parts replaced, or has other mechanical problems and could mean you pay less out of pocket for covered repairs.
It’s available for cars less than 15 months old and with fewer than 15,000 miles. But after you’ve purchased it, you can renew your mechanical breakdown coverage for up to seven years or 100,000 miles.
Emergency road service
Like most large insurers, GEICO offers optional emergency roadside assistance coverage. GEICO’s service includes 24/7 assistance for towing after a breakdown, tire changes, battery jump-starts, fuel delivery, and more.
Rental reimbursement
This coverage will help pay for a rental car if your vehicle is in the shop for repairs after a covered claim.
Other options for GEICO customers
GEICO offers many other types of insurance, and auto insurance customers could save by bundling with other GEICO policies, like renters or homeowners insurance.
A few more available coverages from GEICO include:
Vehicle: GEICO will insure your motorcycle, RV, boat, collector or classic car, truck, and more.
Property: GEICO sells renters, homeowners, condo, mobile home, landlord, flood, and earthquake insurance.
Business: GEICO has insurance for businesses covering general liability, workers’ compensation, commercial auto, and more.
Personal: GEICO also offers travel, pet, jewelry, umbrella, identity protection, bicycle, and life insurance, among others.
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How GEICO DriveEasy works
DriveEasy is GEICO’s usage-based telematics car insurance program, which uses a mobile app to assess your driving habits. If you participate in the program, GEICO uses information from the app to rate your policy and determine your premium.[4] Safe driving habits could result in a discount, although GEICO’s website doesn’t specify exactly how much that discount could save drivers.
The app monitors your driving by tracking things like hard braking, phone usage, and how fast you drive around corners. While some usage-based insurance programs can use your car’s internal system or an attached sensor to track your driving, GEICO’s program is only available to smartphone users able to download the app. The GEICO DriveEasy Pro app is available in the App Store and Google Play and has moderate ratings in both.
With the Accident Assist feature, DriveEasy can detect a hard brake and will send you a notification to check that you’re OK. If you need help, GEICO can help contact emergency or other services.
GEICO’s usage-based insurance product scored in the top three for customer satisfaction in the J.D. Power 2024 U.S. Auto Insurance Study, behind Nationwide and USAA.[1] While GEICO is available in all U.S. states and D.C., DriveEasy is only available in 37 states.
GEICO insurance FAQs
If you’re still considering whether GEICO is a good fit for you, here are some answers to frequently asked questions to help inform your decision.
Is GEICO legitimate?
Yes. GEICO is a legitimate company. Its high financial strength and long-term credit ratings from AM Best reflect a solid business. The company is also longstanding — its founders established the Government Employees Insurance Company (GEICO) in 1936.
What is the average cost of GEICO car insurance?
A GEICO liability-only policy costs $91 per month, on average. A full-coverage policy costs $139 per month, on average. Your location, driving record, credit history, age, and other factors will affect how much you pay.
Is GEICO good at paying claims?
GEICO’s AM Best rating of A++ indicates superior financial strength and the appropriate risk management to pay out claims. But the company scored well below average (692 on a 1,000-point scale) in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.
How do I cancel my GEICO insurance policy?
You must call GEICO to cancel a policy. Be sure to have your policy number handy when you call. To avoid a lapse in coverage, be sure to set up your next auto insurance policy before canceling your GEICO policy.
What is GEICO’s customer satisfaction rating?
In J.D. Power’s most recent studies, GEICO typically ranks around or below average for customer satisfaction. It has a below-average NAIC complaint index, though, which means the company receives fewer complaints than the market average for an insurer of its size.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- J.D. Power. "2024 U.S. Auto Insurance Study."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- GEICO. "GEICO At A Glance."
- GEICO. "GEICO END USER LICENSE AGREEMENT."
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Julia TaliesinData Journalist
Julia Taliesin is a data journalist at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.