Is GEICO A Good Insurance Company? Reviews From Over 21,281 Customers

Excellent, I am on a budget so I need to save. If I weren’t on a budget, I wouldn’t be looking for a different insurance.

So far, so good. The claims department has been helpful and easy to work with when submitting claims.

They provide the cheapest price for full coverage. I have had quotes from other insurance companies and they have been double the price. No one can beat Geico. Thanks Geico!

It’s been okay overall—nothing amazing, but it does the job when I need it. Coverage is there, and claims/communication have been manageable, but there’s definitely room for better clarity and pricing. If I had to give a tip to a friend, I’d say: make sure you double-check your coverage details yourself and don’t assume everything you asked for is actually included. Also, shop around every now and then, because rates and coverage can change a lot between companies.

I think I’m paying too much as a senior citizen.

Collision repair process went smoothly. On another occasion, the towing company came quickly, a rarity in rural areas.

Great, Geico gave me the coverage I needed.

Great customer service.

$54 per month. No one has beaten it.

My experience with my current car insurance has been good overall. The customer service is responsive, the billing process is straightforward, and claims/support have been handled efficiently. I would recommend comparing coverage options carefully and choosing a policy that balances affordable rates with reliable customer support.

They are very expensive for a driver without accidents or DWIs.

Every time I get in touch with GEICO, their service is always great. Ever since I’ve had GEICO, I haven’t had a problem with them.

Good

At first, I thought it might be a scam as I did it over the internet. I got worried, but GEICO came through like a champ! I'm happy!

The system is designed to control your account and make you pay higher premiums. Make sure you check everything. When you make a change, verify it because it does not update as usual. I had to call about my situation. The service representative claimed to have resolved the situation, but it was not. And time costs money.

Not too long ago, we added an additional car and changed the coverage on our existing one. This was done with no problems in a timely manner at very good rates. We've been with GEICO since 1972 and see no good reason to change.

It seems if someone has suspended insurance, you will have a hard time getting your deductible refunded.

The process of acquiring coverage for my 3 vehicles was very easy. Also, the ability to add or change coverages on your policy can be easily done online. So far, I am very pleased with my GEICO policy.

It's cheaper than other alternatives, and that is all I care about.

Beware of price hikes out of the blue.

Cheapest I found in my area.

Excellent, efficient, and easy to work with.

Easy, simple, and reasonable rates.

Good, but they do not offer lower costs for senior people. I am 70 years old.

Muy buen seguro de auto. Estoy muy agradecido de ellos.

Best bang for the buck.

I've never been able to find a lower rate anywhere else.

They were very helpful and did what I wanted.

Rental reimbursement is low.

They took care of us when we needed them, and that meant a lot.

Premiums start off low and continue to climb every 6 months. Not helpful when you have a limited income. Very responsive to claims.

I am very unhappy. I just bought a 2026 Subaru and the price increased again. I understand prices go up, but I have had a good relationship with you and no claims for at least 20 years (or longer). There is no reward for loyalty and it is very sad. I have also been with you since I was 16.

I have been with GEICO for a long time. I looked at other options, but GEICO is still the best.

I drive less than 1,000 miles per year, and I've had a few claims, but none within the last 5 years. My premiums are sky high. It's too expensive.

Very good but has become expensive.

It felt like a bait and switch. They started with a low rate and then increased it, even though I didn't have any accidents. I think that Geico is one of the best insurance companies I've had.

I had this insurance several years ago, and it’s always been great. My last experience was a total loss accident, and they took care of it very fast.

Geico is on the money, fair, let's just say they do the right thing. We can all do better, but Geico is doing a good job!

Reasonable price.

Excellent

All the quotes you gave me are more expensive than the one I'm paying for.

GEICO has the best customer service.

Great insurance for a reasonable price and cheaper than most insurance.

It is fair.

Good rates.

I’ve generally had a positive experience with GEICO, as their insurance coverage is solid and customer service has been helpful. However, I recently purchased a new car and was surprised to see my premiums increase significantly. With rising costs across the board in the U.S., this feels quite frustrating. I hope they can offer more competitive rates or discounts for loyal customers in the future.

I have never had any issues with them. They really have been great. I just want to see if there are any good companies out there that cost less per month.

Better price for coverage. They do raise prices without notice.

Accident-free, my experience with my insurer has been limited to my original application and subsequent renewals. No issues. Very reasonable price.

Excellent service and affordability.

No issues other than I feel I'm being overcharged. I think every year without a claim or violation should be rewarded with a discount on the premium.

So far, I am feeling great having GEICO. The auto insurance is very affordable, and they have a lot of options for customers.

Geico has been awesome. We have had them for probably 10 years. Never had an issue with any claim or customer service. The only problem is cost compared to other carriers right now.

Buying insurance online had disadvantages. You see the price too good to be true; that was my case. It's better to speak to an agent. My mistake was I did not check the deductible, and I found out I have $1,000, but my lease required $500. I called today to solve this problem, and they helped, but now I have an increase in price, which is fair. It was my mistake.

They were great. I just lost a big part of my income, so I had to find cheaper insurance.

Cheaper than most.

Easy to use.

Too high - $200+

Consistently lowest rate compared with all others. Provided the quote without going over the information requested again and again.

Look around and see all of your options. Then check them out. Geico is not so bad, but they are just not giving me the credit that I feel I deserve. But so far, they have been the lowest price for my car insurance. I have been getting higher quotes.

Terrible! I am a 65-year-old woman on disability who had a minor fender bender three years ago. They paid less than $2,000 for a scratch on the other car, and I claimed no damages on my car. They increased my insurance by over $100 a month! What’s the sense of having insurance? I should’ve paid for it out-of-pocket like so many people do.

They don't give discounts to established customers, even though other places give me more than a 50% discount.

My car is 14 years old, and my rate went up 25% for 2026, even though I have no accident claims.

Rates, not enough senior driver discounts.

Geico didn't explain some options, and it's costing me now.

Everything was going well until I added another vehicle to my plan, and my rates went up astronomically.

They baited and switched me. They gave me a rate and then raised it to double the price two days later.

My wife had an accident and the damage was significant but definitely repairable. We were forced to declare the car totaled. It cost me $7,000 out of pocket to get the same car. The people at GEICO handling our claim were very rude and disrespectful. During one conversation, they had my wife crying and so upset she handed the phone to me to finish the conversation. This is the reason we are looking for a new company.

They are too high-priced now. I'm looking for other insurance. Geico keeps raising the fees while I see other insurance companies staying low-priced.

They kept raising rates, no matter how safe a driver I was or how long I had been with them.

Pass on Geico. The website is horrible; it's hard to get in touch with a live person; they raised my rate by $60 on renewal.

Their insurance is getting too expensive.

This is my third time having this insurance. I should have learned my lesson the first time I filed a claim with them. The first accident, they said it was both our faults, which I believe was due to both of us having this insurance. The second time, a guy sped past me when I was changing lanes, and they said it was my fault. The last time, I had the right of way when a guy cut off someone behind me while we were turning. Instead of waiting his turn, he continued to cut off the guy behind me and hit me. The police came, but there was no report. I had a passenger, and they said because they were in my car, I couldn’t use them as a witness. The guy he cut off was my witness, but they said since I didn’t get a police report or video, it was his word against mine. This is a horrible company to have insurance with. Please stay away from this company. I have learned my lesson and will never come back.

Very expensive. Contrary to all the advertisements. I am already advising my friends to check other insurances.

Too expensive. We drive 50 miles a week and receive no discounts.

Too much money. I've never had an accident, and they keep raising my rates.

It was great until my policy increased substantially at every renewal, despite having no tickets or accidents. I drive 2.3 miles to work and home, and I am done paying $200 a month.

They started with a teaser rate, then without cause, raised the rates in excess of other companies. Shameful.

I spent two days trying to get a quote and was quoted three different rates. I was also incorrectly told that I had an accident on my record.

Unable to resolve issues for you on claims or policy. Won't return your calls in a reasonable 24-48 hour period after leaving various messages. When calling to talk to a rep, each one tells you different things and passes you to the next rep.

I keep getting increased rates without any claims or even notification.

I had Geico for my vehicles and my home for 8 years. Then they sent a drone to inspect the outside of my house. The inspection supposedly showed an overhanging tree branch and an issue with our front porch. They would not renew our home insurance policy until these issues were addressed. The contractors that we had out to price the job did not understand. We did not move forward. We pay less now with Progressive.

I've been with this company for over 16 years, and my premiums keep going up as my vehicles keep getting older. One vehicle is over 20 years old, and the other one is over 10 years old. Loyalty doesn't mean a thing. They just want money. I need to find a different company.

I was only looking for state minimum insurance, about $49.00, which I did find to be okay.

Rates are too high. They raised our rates substantially, and we have not had any claims.

Never needed them, but too expensive.

I just got it, but it's very reasonable compared to Geico.

It is too expensive for the coverage I have.

Fair... I've been a customer for 23 years and got a ticket, then my insurance soared.

Too expensive for an experienced driver over 60.

It could have been cheaper. Progressive is $200 cheaper.

My policy was canceled unexpectedly, and I called when my rate went up over $100 per month. I received very faulty explanations when I asked why! I was with Geico for over 30 years - never again!

They don't give discounts for seniors or if you barely drive your car.

They base rates on being part of a driver program. If you don’t participate, rates rise over 50%.

$80 a month higher than Allstate.

I don't have many interactions with insurance except to pay them. Geico just made themselves uncompetitive.

Geico increased my rate by $145.00 per month only 5 months after I started the policy. When I finally navigated the AI phone answering application and spoke to a live representative, they simply stated the rate increase is because they can. I dropped Geico after only 5 months. An $870.00 increase is unacceptable.

Geico gradually increases your insurance rates, despite claims.

I dislike Geico car insurance. I tried unsuccessfully to pay them five times, but they ignored me. My car insurance policy letter said my policy was canceled on 3-13-2026. I was trying to renew for the date of 3-10-2026, starting in late February to be ahead of time. Geico canceled my policy, claiming my bank would not pay, but the bank said Geico did not try. Then, on 3-24-2026 at 12:01 AM, a Geico letter said my policy cancellation was reinstated from the previous cancellation date of 3-13-2026. In 10 minutes, I acquired Progressive car insurance. That day, my bank said Geico accepted my payment. Now I have the difficult task of getting my payment back from Geico, who said twice in letters that my car insurance policy was canceled.

My insurance payment just got too high! I found another company and saved hundreds.

Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.

I will be looking to change soon. GEICO is way too expensive.

Insurance coverage is good, but the prices can be expensive. Shop around before making a commitment.

The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?

They raised my policy from $234 to $372 without any prior notice.

Long-time client. Perfect driving record. Retired senior over 75, disabled wounded veteran. Geico stabs the elderly in the back, constantly. Geico refuses safe driver discounts to the elderly with perfect records. They do this to charge more (not unlike many other insurance companies) to pay for losses incurred by poor drivers. If you're late, you're fined $20. No rebuttal. Geico has to constantly advertise, spending millions as many veterans and seniors are leaving.

I thought it was mediocre. They wanted me to take photos. They wanted me to take my car to a different repair shop than the one I usually use. After calling my usual repair shop, I was informed of the difficult process some insurance companies (not necessarily GEICO) use about using off-market parts, etc. Eventually, GEICO gave in to my requests.

The cost is too high.

Just canceled GEICO. Without warning, the monthly fee went from $275 to $424. I’ve had no accidents. Ridiculous.

Very poor ability to offer discounts. Their equipment to monitor driving habits is so antiquated that they keep pestering you about it when they are trying to boost their given price. The equipment is very buggy and will not work in this state, but they keep pestering you.

Don't use them as my insurance climbed from $112.00 to $147.00 with no tickets or accidents on my record. I was given ZERO warning that my rates had increased and no explanation as to why.

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.

They doubled my rate with a clean record because of my age.

This company doesn't give me any options. They increase their policies and prices without any explanation to customers.

It's okay, the least expensive of all insurance carriers. But I only drive the car for pleasure, and there are no senior discounts.

Following a minor damage accident where I was not at fault, it took a year to settle and required multiple calls to get action.

I feel like if you have full coverage and your car gets stolen and destroyed to where it's not even drivable, you should definitely get 30 days of rental car coverage, because that's what comes with it. But if they declare it a total loss, they only give you 3 days, which is not enough time to buy anything. And then you cannot buy anything with only four thousand dollars. All the items that were stolen from inside the car equaled about six thousand dollars, and I did not get compensated for them. Also, your prices are very, very high.

Very expensive and rising prices.

Extremely expensive and no incentive to stay with them.