Is GEICO A Good Insurance Company? Reviews From Over 20,964 Customers

So far, so good. Reasonable rates, but insurance is expensive in general.

I have searched everywhere to get a lower price than my current Geico policy, including answering many questionnaire-type quote offers from more than a score of companies and middlemen, and no one comes close to my current rate that I'm paying Geico.

So easy to work with. Great customer service!

After comparing other companies, Geico is only $50.00 above the rest, so it's not worth switching.

No one has beaten Geico in cost since we have been searching for lower auto insurance. We are seniors and retired, and we do not drive a lot, yet you categorize us as if we do. It's not the same as years ago. We were noticed, but in this day and time, no more. Everything is in the same package with everybody else. Everything is about money, not for the people anymore. But I get it. If you drive, you will pay. Our prices go up, but not our income.

They have been great. The best price I could find, since my first insurance went up to over $100.00. So I looked around until I found GEICO.

Geico is cheaper than some car insurance.

Geico has high rates, and because of that, I shopped for lower rates.

There is nothing I would recommend GEICO change as my experience every time has been professional and pleasant.

Coverage is good. Rates are lower than others.

I think it is very expensive. I’ve only been in two not-at-fault accidents and my insurance premium has almost doubled. I’ve been with GEICO for over 40 years, and just because I left GEICO briefly for two weeks, when I came back, they said that I only have a three-year history with them. It does not show anything prior to that. Being a loyal customer with zero at-fault claims for 40 years, plus being a veteran and a safe driver, I feel that I deserve more discounts. Right now, it's getting competitive, and other companies are offering better rates. The only reason I’ve stayed with GEICO is because it is the path of least resistance.

I find Geico flawless in communication and prompt service. I had the lowest possible rates from them for many years, exceptionally low, until last year. I had an at-fault accident (so they say), but I beg to differ. But that wasn't for me to decide.

They are very good, but very expensive.

I feel good about them. They are average to above average in meeting my needs.

Good company, easy to renew policy, good value for cost compared to other major insurers.

An amazing company. I am extremely satisfied.

The lowest rate compared to all the competitors!

Great price/value and excellent customer service.

I would tell a friend to forget about shopping around for auto insurance. Geico is very competitive, more competitive than Progressive and Direct auto insurances.

As far as I have interacted with them, they have been doing well. I haven't had any claims yet, so I don't know how well they pay off.

Excellent customer service and the most reasonable auto policy premium.

Good, but the only issue is they are increasing the rates by $100-$200 every 6 months.

Overall, we were very pleased, but like most people, we're looking to save money.

Extremely affordable and amazing to work with. I definitely recommend them to everyone.

Good except for the price.

I've been with Geico for years. The only problem I have is that it's so expensive. I pay $208 a month. I'm a senior, and that's too high.

Good, no problems.

They are accommodating as far as coverage options.

Highly recommend.

They have good customer service and they’re a great insurance company with acceptable prices.

If you get stuck on the road, call them.

My questions are always answered in a timely manner and the rate is way better than when I was insured with Allstate and State Farm. I'm extremely happy, but overall insurance rates are outrageously high. I personally think large insurance companies are just greedy and they can get away with charging whatever they want.

Excellent

Easy to deal with but have steadily increasing premium costs.

With insurance, I am so comfortable with their customer service. I feel comfortable working with them.

I would like the payment to be lower, but from what I have found out, everyone else is much higher than what I pay.

I have conducted a diligent, months-long online search for a lower six-month premium than my current GEICO policy. No other company could even match, let alone offer a better rate. GEICO is the very best!

I like the ease of claims processing and the claim handling process. I think the GEICO app is about 85% effective. Sometimes it doesn’t work or load, and it also doesn’t consistently accept biometrics (Face ID). You have to log in even though biometrics was set up.

Geico is good and I love all their benefits, but the price is just so high. It’s just hard for me to pay it every month.

Great service and coverage for their customers. They have been my auto insurer since 1978. They have covered every claim I have submitted. I have a 20-year-old Miata. A couple of years ago, the decayed convertible top was torn away when a storm came through. Over the years, it had been getting noisier and noisier in the car from wind blowing in through the tiny holes in the top. My wife suggested I try Geico before I paid out of pocket to replace the top. Much to my surprise, they covered the replacement. Very recently, I rented a car from Avis in New Orleans which had a number of scratches and dings when I got the car. I did not take photos at the time of the rental, but did get a walk-around from Avis noting the areas of damage at the time of rental. A couple of weeks after the return, Avis tried to charge me $5K for damages. I handed it off to Geico and they covered it. I don't know if they paid anything but I did not. There is, however, another side to Geico. My sister, who does not use Geico, was hit by someone with Geico. They jerked her around endlessly. She hates the company. Since I am a long-term customer, I am probably overpaying. I recently checked other companies and found their rates significantly lower. I haven't changed though.

I was up for renewal and only when I reached out did they lower my renewal by $1800. Wish they would accurately re-evaluate rates at the time of renewal.

They get the job done. They have been there for me.

Excellent service and monthly payment.

GEICO used to be the head honcho to me, but now the prices are out of control. I have been browsing around for another car insurance company to deal with.

Good but expensive.

Good service.

No problems! Very easy to access!

Very good experience! Very happy with Geico!

Good, no claims, but Geico kept raising rates every renewal. Found the same coverage $500.00 cheaper elsewhere.

It has been good for several years, but I'm not sure if I am getting the best discount prices.

It's good coverage, but every 6 months your insurance cost increases.

Premium is too high, but the service is decent.

Not as competitive as other insurers; however, I’ve been with them a long time. Accident-free and ticket-free.

GEICO has competitive pricing and great customer service.

Very good, but very expensive!

Very helpful and friendly service helped us save money on our auto insurance. Will recommend GEICO to others. Thank you.

Responsive. Rate went up from very good to bad. It increased by $160 in six months.

Okay, but it could be cheaper.

Good experience with service, but I feel I am paying too much.

I had them in the past and you get a good deal for your money.

Geico, without my knowledge and permission, added a new tenant from my house to my car insurance and tried to charge me more than double my usual monthly rate. Sorry, but it's true.

Every year my premium goes up.

Fair prices go up for no apparent reason.

Geico has charged me more in insurance premiums than I pay for my truck. I have been with them for 25+ years. That's how Geico rewards loyalty. In short, I'm not pleased with them.

I applied and paid, and then my premiums were increased. You said I had a claim. I finally figured out how to call, and they said to send a claim history. I sent the history, and you still have not decreased my premiums.

Very disappointed that my rates have doubled for no apparent reason. To go from $104 to $200 with no reason given, and I only use it for pleasure, is ridiculous. I drive less than 3000 miles a year now. I lost my job and I'm on disability.

Too expensive! They double premiums without notice. They say 6 months, yet it's 5 months with 4 times what my previous monthly payment was. I would not recommend.

Way too high. Pricing should be based on a driver’s driving history. I’ve been driving for over 70 years without even a parking ticket. I’ve only had one minor accident, where I was hit from behind by someone test-driving their spouse’s new truck for the first time.

I feel like they’re charging way too much for nothing—$318 a month for my fifth-wheel RV and car.

Find another insurance company. Their rates are insane, and they pay any scammer's claim, leaving you disadvantaged.

Too expensive for a driver with nothing on their record.

No consideration for seniors with great driving records and older cars with low average mileage.

Rates keep going up and I have no claims, no tickets, no DUIs. I drive 7,000 miles a year.

I had to switch to another insurance company because GEICO would not lower my rate after raising it by $1000 for a lapse in insurance that they never informed me about. They never reverted to my old rate, which forced me to switch to another insurance company, Progressive.

No contact or claim. Just a constant increase in rate.

Poor. They use bait and switch tactics. The final quote was more than double what they had offered on their website.

I was in a very minor low-speed accident that caused minimal damage to the other vehicle. I sent in photos and a video of the accident as it occurred. The damage was possibly $1500 worth to the rear bumper area. Geico totaled out the other person’s car for over $8000 without even looking at my pictures or video. And then, of course, raised my rates, with no accidents in 45 years of driving.

Overcharging. The same coverage is available for half the price elsewhere.

They got away with overcharges and changes to my contract without my consent. The price changed too many times in just 2 months. I canceled my service.

Very high premiums for being GEICO.

Too expensive and no reduction for good/less driving.

Using Geico, forget safe driver discounts and expect yearly increases. Not a good deal at all. I suggest shopping around.

The price keeps going up without any tickets.

Geico was unwilling to review and lower my premium when they made a mistake. They were charging me for two vehicles when only one was on the policy. They did not follow instructions to cancel one vehicle and kept charging me the same premium for one. I called them several times to clarify, and they acted like they did not care and said, "That is the premium." But when I canceled, all of a sudden they were ready to negotiate a lower rate.

Searching for a new provider due to cost.

Their customer service is great. I believe their prices are too high, but I also haven’t found any other insurance companies much lower.

I found the same policy for half the cost elsewhere. As someone who is fully disabled and homeless, I can't afford around $1,700 yearly.

I have had this company insure my car for the last 5 or 6 years. I have asked them to please send my insurance cards by mail to my address, and yet they do not. Every 6 months I have to contact them and ask them to mail the cards. I have told them I do not have a printer.

Coverage too expensive. I have had my coverage with you for more than 5 years, and you still charge me a lot.

My experience is that this company is too expensive.

I’m shopping for different insurance. GEICO is a great company, but it’s too expensive for me.

Insurance premiums periodically increase. I have never filed a claim and have no points or ticket history. I feel I should have a lower rate or a good driver discount.

They continue to raise the premium each year, and my car is 11 years old!

I called to ask a question about whether or not GEICO would still cover the repair of a chipped windshield with a crack less than 4 inches and waive my $500 deductible. The answer was no, but the customer service agent wrote this up as a claim. My policy was due for renewal, and GEICO increased my premium by about another $50 per month! I am a retiree. I am comfortable financially, but I don't need any higher costs. I am very disappointed in GEICO after being a customer for more than 3 decades!

Not much cheaper than my other one I had.

Price increases every year.

Outrageously expensive. I just added another vehicle to my policy, and my policy doubled even though I don't even drive the second car; it's like a weekend car. You can't get through to GEICO because of the automated system. Sometimes you spend hours on the phone.

It is difficult to explain when you have co-workers who are older, have a New York State driver's license from a few months ago, a slightly older vehicle, and still have full coverage, yet pay much less than me. That disappoints me about GEICO because I understood that it was one of the best and cheapest insurers on the market. However, I see how I pay almost $300 while they pay $150 or $180, and they are much older in age. I don't understand why my insurance doesn't go down. I've been with GEICO for more than a year, and the only solution I have is to change insurers in this new year.

I'm paying way too much a month! $234?? My vehicle has basic coverage and is a 2008. Since registering it in April, I've had zero problems, no tickets or accidents. Just because of the accident I had with my father's car, which did not involve anyone else, just me, I shouldn't be paying an amount I can't afford! I'm disabled since 2009 and have a fixed income, so paying this much means I have to live in my vehicle. Either I pay rent, or I drive, but I can't afford both. It isn't fair.

The costs are way too high.

I got a rate a year ago. No claims in the first 6-month and second 6-month periods. Their driver spy score went from 100 to 86 over two policy periods. The rate went from mid $500s up after the first 6 months. The second six months quote is at $710. I am canceling them.

The insurance rates are too high and no discounts are given. I am looking for another company.

Premiums are much higher than other providers.

GEICO has become expensive. It's no longer a competitive option.

When you get one price from your site, and then it changes when you get to Geico, don't go there.

I want to tell everybody to avoid Geico. I had a claim for a windshield, and they told me I didn't have windshield coverage. They said I had renter's insurance, which is not true. I did not have renter's insurance, nor did I want it. I told them I wanted the windshield coverage included with my insurance, but I never got it. I never liked Geico after that. They kept raising my premiums, even though I haven't had a ticket in 25 years. I'm still paying almost $100 every month. I'm going somewhere else because I can get it much cheaper, saving myself around $60.

This company keeps raising rates with no justification.

Check transparency and rates at every policy renewal. Unfortunately, I learned that the insurance trend is to lower premiums to gain customers, then raise prices higher than before after a few cycles. Stop penalizing good and safe drivers who barely need to drive due to working remotely. Everyone is not the same.

Hold times for customer service representatives were more than two hours on more than one occasion! I was paying more for auto-draft than if I had paid manually on my own.

They increase the rates too often, even when you never use the insurance.

Don't use whatever they are calling their safe driver app. I just tried using it for the first time. For the past 12 months, my insurance premium went from $314 to $340 six months later, then to $450 (but just for a couple of days). Then I was told that my driving was subpar based on the app. So with no accidents or citations, my "safe driver" discount of $50 something was revoked and a sanction of $80 something was added, making my new 6-month policy premium $650. Talking to them did no good. The system will not allow a CSR to make a change or override the charges. So, because it was the principle of it all, I figured if I was gonna pay more, I would do it on my terms. I pay more than $650, but I don't pay it to a company that said one thing and did another.

Sorry, it's too expensive for a senior who drives less than 100 miles per month.

My premium went up by $80 even though I had no violations or accidents. It feels like a ripoff.

My experience has been good; however, they keep raising prices and don't lower their rates for excellent drivers like myself. I pay all this money based on my credit score and not my over 10-year record of never being late, never lapsing, or anything. It's frustrating.

At first, it was very easy and fast to get coverage. Then I tried to communicate to change it, and it was impossible. It was very expensive for a '98 car, and I have no accidents or tickets; my record is clean. I wanted to see options and could never communicate. I had to change my insurance.

Make sure to ask what the policy costs for the whole year. The Geico salesperson told me what six months cost, making me believe that would be the cost every six months. But when my next six months' premium was due, my yearly cost was more than what I would have paid the insurance company I switched from. Deceptive marketing.

I have a problem with them. Every year they increase the rates even though my car is getting older and I'm getting older. Yet still, every year the rates go up.

Since I retired, I assumed my rate would be cheaper.

I had one minor accident, and they raised my rates. I've been with them since 2006. Now they just raised it another $100 a month, saying that NC increased their coverage requirements that drivers need to have now.

Absolutely horrendous claims adjusters, no accountability at all. Ongoing issues after a claim resulting from a hurricane and ended up paying for a new engine out of pocket due to their lack of due diligence.