GEICO Auto Insurance: User Reviews and Quotes (2024)

GEICO offers auto insurance in all 50 states and Washington, D.C. Its competitive rates and numerous discounts make it a popular choice.

Julia Taliesin
Written byJulia Taliesin
Julia Taliesin
Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 December 23, 2024

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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.

How GEICO compares to other insurance companies

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$54/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.
$118/mo

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

Read more driver reviews of GEICO
Robert - December 23, 2024
Verified

It's Okay

It's too expensive.

Virginia - December 23, 2024
Verified

Very Good Service, But High Policy Rate Increases Every Year

The rate is higher than I think I deserve as a 'low-mileage, no-accident' policy holder.

Jimmy - December 23, 2024
Verified

No one can beat Geico

Great customer service, best value for your needs.
Factor
How GEICO Compares
RatesCheaper
Customer serviceSimilar to competitors
DiscountsMore than competitors
AvailabilitySimilar to competitors
Financial strengthStronger 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$54$105
Drivers with a speeding ticket$65$146
Drivers with an at-fault accident$69$152
Drivers with a DUI$89$173
Teen drivers$82$196
Senior drivers$41$81
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.

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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 $58 monthly for liability coverage through GEICO, while New Mexico drivers pay $40 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$55$59
Arizona$58$91
Arkansas$46$122
California$163$139
Colorado$70$97
Connecticut$68$228
Delaware$105$154
Florida$70$156
Georgia$101$152
Hawaii$45$73
Idaho$43$69
Illinois$46$79
Indiana$32$72
Iowa$25$56
Kansas$49$80
Kentucky$69$162
Louisiana$103$130
Maine$64$86
Maryland$121$207
Massachusetts$71$123
Michigan$94$171
Mississippi$61$91
Missouri$52$98
Montana$50$78
Nebraska$39$92
Nevada$57$183
New Hampshire$38$61
New Jersey$108$127
New Mexico$40$68
New York$189$330
North Carolina$48$55
North Dakota$52$84
Ohio$48$73
Oklahoma$57$84
Pennsylvania$79$93
Rhode Island$162$84
South Carolina$62$168
South Dakota$40$61
Tennessee$28$73
Texas$41$120
Utah$90$108
Vermont$55$67
Virginia$44$102
Washington$64$76
Washington, D.C.$79$121
West Virginia$59$78
Wisconsin$31$65
Wyoming$40$61
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-vehicleUp to 25%
Emergency deploymentUp to 25%
AirbagUp to 23%
Anti-theft systemUp to 23%
Good driver (five years accident-free)Up to 22%
New vehicle discountUp to 15%
Good studentUp to 15%
MilitaryUp to 15%
Federal employeeUp 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.

Robert - December 23, 2024
Verified

It's Okay

It's too expensive.
Virginia - December 23, 2024
Verified

Very Good Service, But High Policy Rate Increases Every Year

The rate is higher than I think I deserve as a 'low-mileage, no-accident' policy holder.
Jimmy - December 23, 2024
Verified

No one can beat Geico

Great customer service, best value for your needs.
Diane - December 23, 2024
Verified

Expensive Insurance

The company always has an excuse to raise rates.

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
  • Financial strength rating: A++ (Superior)
  • Long-term credit rating: aaa
Highest possible score (best operating performance, business profile, and risk management)
J.D. Power
  • 692 (2024 Claims Satisfaction Study)
  • 654 average (2024 Auto Insurance Study)
Ranked around or below study average (scored out of 1,000)
NAIC Complaint Index0.90Received 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    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 $54 per month, on average. A full-coverage policy costs $118 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. J.D. Power. "2024 U.S. Auto Insurance Study."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. GEICO. "GEICO At A Glance."
  4. GEICO. "GEICO END USER LICENSE AGREEMENT."
Julia Taliesin
Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer 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.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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