Is GEICO A Good Insurance Company? Reviews From Over 21,012 Customers

Amazing.

Expensive compared to other car insurance companies.

Very good so far.

GEICO is good—really good. They just don’t cover gig workers. They said they would cancel my coverage once they found out, unless I could show proof that I was no longer doing gig work. I went with another company, Progressive, instead since they offer gig work coverage.

The price is high, even for good drivers.

GEICO has always taken excellent care of me.

Great service, great rates, and a great app.

Kind of high, but not too bad. It just doesn’t stay the same over time—my prices are always changing, and that’s aggravating. But it’s a good company overall. Grateful to be a customer.

The price is too high for two older vehicles.

Great company.

It’s not bad overall. I think it could be a little cheaper—times are hard.

Too expensive.

Need lower prices.

Good, but after a year they keep increasing the rate little by little.

The cost is high for the coverage offered. Customer service is average.

Excellent—no problems or issues ever.

Great. You can even extend your due date on auto-pay. Exceptional customer service. I recommend them—hands down, the best ever.

Prices are way too high.

Exceptional.

I have never had any problems with them.

The first six months were great, but when it came time to renew, they wanted to raise my rate by $40, and I don’t know why.

So far, it's okay. I haven't had enough time to say.

I haven't had any problems.

Great.

Expensive.

Whenever I needed to understand anything, customer service was very responsive and very good.

So far, so good. Very helpful when signing on.

Terrific so far, but I’m anxiously awaiting what it will be like when it’s time for renewal.

The agents at GEICO are easy to get in touch with. They listen to any concerns you may have and get you an answer. They won’t try to sell you something you don’t need.

GEICO offers excellent customer service and some of the best rates.

No problems with them. I’ve been with GEICO for over 20 years.

I find GEICO insurance to be the most reasonably priced and very helpful.

The ads show that the premium is less than GEICO, but I’m paying $321.

Easy to sign up.

Do not get them. They started off great, but even though I never had a claim, they doubled my rate twice. At one point, I even lowered my coverage to try to keep it affordable, and then they doubled it again. So I went to State Farm, and they cut my rate in half.

Everything’s been good with GEICO so far. I did have to file a claim, and my only complaint is that they’re not keeping me informed.

Okay, expensive and constantly going up!!!

The insurance company is expensive. Claims are slow, and phone calls aren’t returned.

It’s okay. My employment changed, my income changed, and I can’t afford it.

Watch for price increases.

Prices can be beaten by some other companies for the same coverage.

GEICO has been OK, but they haven't offered me any discounts in this latest market of reduced prices. I've been with them for quite a while with no issues on my part. So why do I have to switch companies to pay $80 less each month?

Would recommend 100%.

I’ve been with GEICO for 20 years. I had a no-fault claim 15 years ago, and they handled it quickly without trying to avoid payment. I shop around every year. I have no tickets and no DUI, and I still can’t find any insurance company that can offer a premium that would tempt me to switch. I’ve had at least two agents tell me they can’t compete with GEICO’s premiums. I’ve had a Silverado for 22 years now. I’ve carried “full coverage,” including comprehensive and collision, the entire time. Because of the age of the vehicle, no one will offer comprehensive and collision coverage, so why would I change? It’s very frustrating that coverage is so expensive.

Pleasant and easily handled any concerns I had with billing, and helped change my auto-pay date.

They’re good, but you do have to stay on top of them if you have an accident.

Excellent coverage and excellent customer service.

Easy and fast.

GEICO is an excellent company. Customer service, policy coverage, and rates are superb. I highly recommend GEICO!

Good price.

It’s disappointing that our rates keep going up, even though we have no accidents or tickets and we have squeaky-clean driving records. We’ve been with them for about 30 years.

Geico is awesome. I thought the claim process was a bit slow, but they’re there when you need them. Accidents happen at the wrong times and unexpectedly, and having insurance can be a lifesaver.

Best rates compared to all those misleading ads online for supposedly cheap rates. They never match what’s claimed.

Great.

For the amount I drive (under 6,000 miles a year), it’s expensive.

I never had a problem.

I have no complaints.

Lowest price and good customer service.

No problems, and great service.

Haven’t had it long, but so far I’m very satisfied.

One year with Geico. I’m choosing other cheap insurance. I got my license three years ago, so I have little experience, but no accidents so far. This world is expensive, and the rules are frustrating. Amen.

It’s OK. It’s specifically designed for EV cars.

Good price.

Prices keep going up.

We’ve been with Geico for many, many years. No accidents, no tickets, and no points on our record, but our rates continue to go up.

The insurance coverage was good. The issue is that the premium would increase $20–$40 a month every six months. We’ve been with them for at least 14 years—way too long. It feels like they’re taking advantage of us.

Very expensive.

Started out great. In my fourth year, I started getting hit with higher and higher costs. No violations or infractions in over 50 years, and I’m paying a lot of money. I’d say after 4–5 years, start searching for other companies. They may start you with great rates and then eventually push you to shop around again.

My price went up, and I haven’t had any claims in over 15 years. They charged me because I’m divorced.

I have a clean driving record, and my rates were increased. I have a commercial driver’s license, by the way.

Very expensive.

Overpriced, and I had a bad experience with a claim. I uncovered what I believe was fraud at a GEICO-certified collision repair shop, and my GEICO agent found it but didn’t do anything. The one positive was that my agent’s supervisor contacted the dealership, and the service tech said they were “coercing me to say the damage was before your accident.”

My rate randomly goes up for no reason at all, then goes back to the normal rate.

The price was still too high, and it feels unfair that they use your credit report.

GEICO has to be the worst insurance you could ever go with. They supported an uninsured driver who crashed into my vehicle on purpose, then paid them $7,000 and then raised my insurance policy. They really disappointed me—stay away from them.

Too expensive.

Way too expensive. I wouldn’t recommend it to anyone. I’m sick of the Aussie gecko—if I find better insurance that costs less, I’ll switch in a heartbeat.

Too expensive. I'm looking for other insurance.

I’ve never had any claims, accidents, or a DUI, and yet I haven’t received any service or contact from a representative.

I’m a senior citizen and don’t drive anywhere. I want a lower rate.

If you can find something cheaper, take it. GEICO is expensive for car insurance, especially if you have no accident claims or traffic violations on your record.

For liability coverage, I’m charged too much, in my opinion.

I was pleased with GEICO’s quote, but when I paid, they dropped me and said they would contact me later. They never did.

I had a total loss with my 2014 Highlander EX-L. GEICO claims to pay retail replacement, tax, and registration. I had to go 50 miles to find a lesser model (LE), and I had to pay for all my tax and registration—and then some. The adjuster, after I argued with him and sent comparable listings, raised the amount by about $500 or $600, and it still wasn’t near enough to replace my car. They don’t use Kelley Blue Book to value your car; they use NADA, which gives GEICO a big break and makes it difficult to replace your vehicle with something of the same value. I still fell short by a couple thousand dollars. It feels like false advertising, or whatever you’d call it, to put you in a lesser vehicle if your car is totaled. I’ll switch from GEICO at some point.

My rates got higher every year, along with lousy service.

I was with them for 52 years. I had one accident that was my fault, and my insurance went up an additional $233 a month.

Expensive compared to others.

So far, so good. The price is much better than the other one.

I’m not buying a brand-new car or financing it; I just wanted simple car insurance.

Progressive has way better pricing than Geico.

Average—just expensive.

When my granddaughter got married, my rate for two cars to a single car went from $380 a month to $260. Outrageous.

50/50. Too expensive after an accident caused by a blown tire.

My car was totaled two weeks ago, and I’m still waiting on my payment. No one has contacted me or answered my emails.

They quoted me, then raised the price by over $100 per month. Last month, they wanted $950 per month. Sorry, Geico’s gotta go.

They make it a nightmare to reach a real person.

Nothing personal. I’ve been driving since 1967—no DUIs, no accidents, and I haven’t had a ticket in over 15 years. Still, they didn’t take the time to look into a reasonable senior citizen discount. Down here in Key West, driving is pretty limited—maybe 100 miles unless you’re going up to Homestead or Miami. I was paying $61 for just PIP through the broker. When I called to say I wasn’t satisfied with my rate, they said they’d get back to me, but they never did. Now it’s one month later, and as of September 7th they canceled my insurance. It’s impossible to reach anyone—human or even AI. When I called and said I wanted to pay my bill, they cut me off and said they weren’t doing anything that weekend. Terrible customer relations, no matter how small my insurance contract is with them. I’ve worked in customer sales for a good part of my life, and this just doesn’t fly with me. Now I’m getting calls from every insurance company under the sun, and the rates are ridiculous.

Don’t be fooled by the slightly better prices. If you get hit, they will never defend or fight for you—they won’t spend a second on it. This is the worst insurance company I’ve been stuck with for a decade because of their lower costs, but they’ve cost me so much more in car damage and, worse, my physical well-being for life. In my experience, they ignored clear fault by their own insured drivers just to avoid paying, refused a proper investigation, and never actually requested police reports or an inspection of the damage. When I was seriously injured, they told me I “can’t be fixed fully,” so there was no point spending money on medical bills even though I was owed it. They also pressured me at 19 to accept about a quarter of my totaled car’s value, saying it was the best I’d get and to just sign it. If I knew then what I know now, I would have sued them. I feel like they’ve done this to me multiple times to save their own money, especially when the at-fault driver was also insured by them.

Prices are too high. Rates go up without warning, even without any claims. Paying $100 for liability with zero accidents or tickets feels insane.

They kept raising my rates even though I’m 64, have had zero claims and zero tickets, and moved to a safer area.

It's very expensive.

I can get full coverage for what I pay now. I’ve already paid for this month, but I’m leaving next month after 15 years.

It looks like premiums are raised annually.

I’ve had no accidents, but my payments have increased consistently. Why?

My transmission had to be replaced, and GEICO did not pay for the repair. They kept asking for more pictures; I provided them, and they kept asking for more. The car was repaired, and there were no more pictures to provide. I needed the car, so I paid the bill. I kept communicating with GEICO, but I never received a response. Their office in Southern California was not helpful, and there was no local representative in Northern CA. My car hit a bump in the street and my transmission cracked. I didn’t realize the crack caused the oil to spill out. My car was taken to the shop and repaired. I paid $7,000+ for the repair.

They never sent me a copy of my policy.

It’s affordable coverage. I just wish they had an annual payment option—I like to pay my insurance bills once a year.

I’ve been left on the road twice. They said someone was coming, but I waited for hours and nobody came.

Ridiculous. Quick to draft my premium, but slow at helping us.

I’m being billed for car insurance, and I called to verify the amount. I was told I don’t have any insurance with GEICO, but the payment was taken out of my checking account.

I spent an hour and a half getting insurance. Their computers seem set up to make money. I’ll eventually look for a new provider.

I’ve never been contacted by the company about a new or renewed policy. They also never reached out to see how I could save money, since I’m 78 and living on retirement and Social Security. I’ll be looking for a new insurance company before my renewal in Dec/Jan.

The licensed agent who prepared my commercial vehicle insurance has a serious deception problem. It felt like I was making a deal with the devil. She never gave me my quote, and she kept me off track with a bunch of nonsense for over two hours. I’d like someone to review that conversation from Thursday night when I purchased the insurance. The office staff was unprofessional and played obvious games and word tricks. I never thought GEICO would employ people like that or treat customers with so little respect.

Not like it should be—prices keep rising even without accidents or tickets.

Disappointed. I lived in New York and had GEICO. Now I’m a member in Tennessee, and the policy is too expensive. I can’t afford to continue as a member.

I had Geico for 6 years, and at the beginning of this year I got a letter saying my policy increased by $70 more a month. I called them, and they said that was the new rate for my area. I have no car accidents and no speeding tickets. I moved to Progressive and got the same coverage with a better deductible, and it cut my 6-month bill in half.

Got pricing right away. I wrote asking for a call back to better understand what I was buying, but it never came.

The price was too high and never came down.

Decent insurance, but they raise the rate every year, though, for no reason.

They will increase your rates significantly (e.g., 50%) if you get a moving violation (a minor speeding ticket, like 5 mph over the limit), even after being incident-free for nearly 10 years. It seems egregious.