Is GEICO A Good Insurance Company? Reviews From Over 21,274 Customers

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.

Fair insurance.

The local office is kind. I haven’t had any claims to rate yet, but so far everything has been as promised.

I love them, but they’re just too expensive.

Good rates, although it’s been difficult to reach them by phone lately. The wait times are getting longer and longer.

They were very helpful and honest.

I haven’t had it for that long, but customer service was very knowledgeable and kind.

Best price out there for me. Easy and painless transition. No complaints—100% satisfied.

Great.

I’m happy with the people.

I feel the insurance cost is a bit higher than I’d like. Being 84 and only putting on about 100 miles a month, it feels costly for how much I use the car—especially since I’ve never had an accident that was my fault. No speeding tickets or DWIs.

I’ve been with GEICO for over seven years. They’re really good. Sometimes they’re a little expensive, but overall I haven’t had any issues with them.

Very good, but too expensive. They used to be very cheap, but now their prices have gone up a lot.

GEICO is good.

They’ve increased quite a bit since I started my insurance plan, which is why I’m probably going to switch insurance next month.

Excellent.

All in all, I think they are a good company, but after being with them for four years, I’ve started to shop around for something a little more affordable.

So far, the whole process has been easy. I did it all myself, so my experience has been great! No issues—they make everything super simple in the app.

Not bad at all.

Rates should be better for liability-only coverage, especially with a perfect driving record.

GEICO is saving us almost $300 a month, so I’m very happy.

Great.

Excellent customer service.

Call and get a quote.

Very easy to work with online.

It was too hard to get into the Good Driver app.

I switched over to them four years ago because the service is good, and I’m paying much less than all the other quotes I’ve gotten.

The app is easy enough to use, and the rates are the best for me.

Shop around, and keep your premiums paid on time.

Very good.

It’s all about the cost. I’ve been with GEICO for 30 years with only one claim, which wasn’t my fault, and it was taken care of right away. So I can’t say much more.

So far, they’re okay.

I’ve been with GEICO for over fifty years. No claims and no issues.

Affordable.

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.

GEICO’s rate was already high, and it increased every six months.

It’s just too expensive.

After giving them the information they requested for a claim I filed, they refused to pay and canceled me. Then they sent an email saying I could renew my policy. Now I have to take them to court to get them to pay to fix my truck. Geico is a joke.

GEICO is charging me a lot more than the quotes I’ve gotten from other companies, so I’m looking to switch.

I’m a 75-year-old senior living on Long Island. I drive a 2016 Toyota Corolla less than 1,000 miles a year and have a stellar driving record. I’ve had to reduce my coverage to the bare minimum just to afford their premium. They offer no help. Eventually, my premium will be raised, and I’ll be stuck with the lower limits.

It’s just okay, but the cost is too high.

Don’t get it. They charge too much, and it’s hard to talk to them.

After being with them for a year, they doubled my premiums.

My experience with GEICO started off positively because the premium was competitive, the online purchase process was straightforward, and I was able to pay my policy in full upfront. Unfortunately, my experience quickly deteriorated during the underwriting process. As a first-time car owner and new immigrant to the U.S., I was asked to provide several underwriting documents. I submitted everything requested via the designated email address, but there was no confirmation that my documents had been received or reviewed. When I called customer service multiple times, different representatives gave me different answers, and none of them had access to the underwriting email inbox to verify what had actually been submitted. Meanwhile, I continued receiving mailed notices warning that my policy would be terminated, which created unnecessary stress and uncertainty. After several weeks and numerous follow-up calls, I finally spoke directly with someone in the Underwriting Department who clarified the actual outstanding items. The issue wasn’t my willingness to provide documents—it was a lack of communication and coordination between underwriting and customer service. My advice to anyone considering GEICO is to keep copies of every document you submit, save every email, document every phone call, and proactively follow up with underwriting. GEICO has competitive pricing, but there is significant room for improvement in its underwriting communication process, especially for customers with unique circumstances such as first-time buyers or new immigrants.

Never set up your policy on your phone. The phone cuts off important information you need to get your policy.

Rates keep going up for no reason. I moved to another city, and my rate went up $39 a month.

You want to raise my rates 2 and a half times and not tell me why.

They keep raising my premiums without explaining why.

Match the coverage I need at the rate I need.

I had a 2005 Jaguar X-Type that was involved in an accident that damaged the rear door and quarter panel. I got an estimate, and they didn’t want to fix it because they said it would cost too much. I got another estimate that was even cheaper than what GEICO said it would cost to repair, but they still decided to total my car. I see cars on the road that are a lot worse than mine, with the rear end smashed all the way to the back seat, and they’re still on the road. I feel like I got a bad deal, and no one wants to explain it.

Since I’m married, I’m forced to put my husband on my insurance. He doesn’t drive. I’m the only driver and rarely drive more than 11,000 miles a year. My driving record is squeaky clean. Since I got married, my premium went from $97.00 up to $113.97. The only explanation for this is greed.

It keeps increasing too much.

They changed my payment from $87 to $107, even though I paid on time, because I didn’t allow automatic draft. Now I’ll just pay the $107 as late as possible, and I’ll be looking for other coverage along the way.

I had this insurance for a long time, and then one day it went up by $40+ dollars. When I contacted you, your reasoning was that because of the number of new customers, you had to raise rates. Now I’m being charged because you’re getting good reviews from your older clients, like me, and that is not acceptable. I should be getting a discount for being with you for so long instead of being charged because you’re getting new clients. So I will be seeking other auto insurance. I don’t have anything good to say about this company, so goodbye.

I’d like lower premiums because I’m retired and only drive about 10 miles a week.

An average insurance company. Don’t expect great service. Pricing is middle of the road. They always seem to be looking for ways to charge more.

No agent, and I never have anyone following up with me. Competitors offer the same coverage for less money.

Bad—it's almost impossible to speak with a real person.

GEICO’s chat and phone support staff don’t seem to know what they’re talking about. The website is primitive and extremely limited.

I am very disappointed in GEICO, specifically in the way they handle and assess claims. It’s deeply disturbing and inconsiderate, and it seems to lack compassion or empathy toward loyal customers. However, I suspect it’s all about making maximum profit and paying out as little as possible, as well as pressuring the victim in hopes they won’t pursue further claims. Despite the accident not being the victim’s fault, GEICO has stated their position and decided to fight their own customer. I’m going to share my experience so others know that their cartoonish ads don’t reflect how much GEICO truly cares about its customers. I would not recommend GEICO to anyone based on how they handle claims.

Honestly, I’m disappointed. We had to file two claims within three years—one was weather-related—and they dropped us. Isn’t the point of insurance to use it when something goes wrong? Others I’ve spoken to have had the same issue with Geico. Terrible experience.

One vehicle could have been moved to the commercial division, but instead they canceled all three cars after 15 years and no claims.

GEICO made me add a person who would never drive my vehicle, and then doubled my premium because of it.

They didn’t handle my claim, and my vehicle was a total loss.

I like the service, but you put my price up for no reason.

They don’t apply discounts when they’re available. Expensive and not customer-focused.

You can get money back for having a clean driving record.

I feel like I pay a lot for my car insurance and I’m currently looking for something cheaper.

Won’t talk to you about your plan. Can’t explain why your policy costs consistently go up every four months.

Quality has decreased while premiums increase almost annually.

I’ve been a GEICO customer for years, but they’ve raised my rates recently to the point that it became unfeasible to stay with them.