Cincinnati Insurance Companies vs GEICO Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Cincinnati Insurance Companies
64
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Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

Cincinnati Insurance Companies VS GEICO
64
88
What is this?
User Ratings
OptionsCincinnati Insurance Companies GEICO
Rating/Reviews
7 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsCincinnati Insurance Companies GEICO
Call Center Representative--About average
Insurer Website--Among the best
Local Agent--The rest
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsCincinnati Insurance Companies GEICO
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--Better than most
Rental Experience--Better than most
Repair Process--About average
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionCincinnati Insurance Companies GEICO
California--807 pt
About average
Central--838 pt
Better than most
Florida--832 pt
Better than most
Mid-Atlantic--848 pt
Better than most
New England--827 pt
About average
New York--813 pt
About average
North Central847 pt
Among the best
830 pt
About average
Northwest--805 pt
About average
Southeast--839 pt
About average
Southwest--798 pt
The rest
Texas--816 pt
The rest
Mobile App Ratings
RegionCincinnati Insurance Companies GEICO
Android
3 Reviews
147,062 Reviews
iOS--
446,400 Reviews
Financial Ratings
OptionsCincinnati Insurance Companies GEICO
A.M. BestA+A++
FitchA1AA-
Moody'sA+Aa3
Standard & Poor'sA+AA+

Auto Insurance Quotes

For Married Drivers

CityCincinnati Insurance Companies GEICO
Austin--$59
Chicago$85$67
Philadelphia--$88
Phoenix--$38
Santa Monica--$48

For Single Drivers

CityCincinnati Insurance Companies GEICO
Austin--$62
Chicago$87$68
Philadelphia--$92
Phoenix--$44
Santa Monica--$129

For Male Drivers

CityCincinnati Insurance Companies GEICO
Austin--$59
Chicago$83$71
Philadelphia--$92
Phoenix--$42
Santa Monica--$123

For Female Drivers

CityCincinnati Insurance Companies GEICO
Austin--$62
Chicago$89$64
Philadelphia--$87
Phoenix--$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityCincinnati Insurance Companies GEICO
Austin--$74
Chicago$142$92
Philadelphia--$128
Phoenix--$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityCincinnati Insurance Companies GEICO
Austin--$58
Chicago$74$62
Philadelphia--$84
Phoenix--$36
Santa Monica--$77

For Drivers Age Between 18-40

CityCincinnati Insurance Companies GEICO
Austin--$63
Chicago$85$71
Philadelphia--$98
Phoenix--$45
Santa Monica--$149

For Drivers Age Between 40-65

CityCincinnati Insurance Companies GEICO
Austin--$54
Chicago$77$61
Philadelphia--$79
Phoenix--$35
Santa Monica--$40

For Drivers Age of 65+

CityCincinnati Insurance Companies GEICO
Austin--$75
Chicago$122$78
Philadelphia--$99
Phoenix--$48
Santa Monica--$41

For Drivers with Average Credit

CityCincinnati Insurance Companies GEICO
Austin--$68
Chicago$98$70
Philadelphia--$94
Phoenix--$43
Santa Monica--$76

For Drivers with Fair Credit

CityCincinnati Insurance Companies GEICO
Austin--$71
Chicago$88$74
Philadelphia--$104
Phoenix--$43
Santa Monica--$56

For Drivers with Good Credit

CityCincinnati Insurance Companies GEICO
Austin--$55
Chicago$86$66
Philadelphia--$84
Phoenix--$37
Santa Monica--$60

For Drivers with Excellent Credit

CityCincinnati Insurance Companies GEICO
Austin--$48
Chicago$71$60
Philadelphia--$77
Phoenix--$41
Santa Monica--$161

Quotes & Discounts

Discount typeCincinnati Insurance Companies GEICO
Good CreditUp to 54%--
Student Away at SchoolUp to 47%--
Multiple VehicleUp to 31%Varies
Good DriverUp to 25%Up to 26%
Anti-Theft DeviceUp to 15%Up to 25%
Multiple PolicyUp to 11%Varies
Good StudentUp to 10%Up to 15%
Accident FreeVariesVaries
DeductibleVaries--
More Vehicles Than DriversVaries--
Anti-lock Brake--Up to 5%
Daytime Running Lights--Up to 3%
Defensive Driver--Varies
Driving training--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Military--Up to 15%
Organization--Varies
Passive Restraint--Up to 25%
Seat Belt Use--Up to 15%
Senior Adult--Varies
teenSMART--Varies

Payment Methods

Discount typeCincinnati Insurance Companies GEICO
Automatic Online Payment
--yes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
--yes
Mail Payment
--yes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yes--
Phone Payment
yesyes

Features and Services

Features and ServicesCincinnati Insurance Companies GEICO
24/7 serviceyesyes
Accident forgiveness--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesCincinnati Insurance Companies GEICO
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
yes--
Child Safety Seat Replacement
yes--
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yes--
Glass Coverage yes--
Incident Forgiveness
--yes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
No Fault Coverage
--yes
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • Cincinnati Insurance Companies
  • GEICO
  • Both

SR‌-22 Insurance by State

  • Cincinnati Insurance Companies
  • GEICO
  • Both

Compare Insurance Products

ProductCincinnati Insurance Companies GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Cincinnati Insurance Companies Reviews
  • GEICO Reviews
2.9
5 Stars
29 %
4 Stars
14 %
3 Stars
14 %
1 Star
43 %

Most Positive Review

By George
Good service

Most Critical Review

By Gail Eaton
I have had this insurance company for about 3 years. Last year my rates went up $104.00 due to rate increase. This year they were going to raise it $139.00 due to underperforming issues on their part and a decrease in my insurance rating. I have no tickets, no accidents, excellent credit and low mileage on a car that is five years old. They can keep their insurance. I am going with another company.

All Reviews

Showing 1 - 7 out of 7 Reviews
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Eric Levy
MasterCard
Maria Cheatham
Visa
Charlie Peacher
I’ve had you guys for 12 years. Paid my bill on time, every time. Got maybe 1 speeding ticket in that time frame. I got in a very bad accident that was NOT my fault almost 3 years ago (proven in court) and you guys decide to 1. Not tell me that you found me no guilty until 2 and a half years go by. 2. Pay the other person 40,000 dollars when the accident was not my fault. 3. Raise my rates after the 2 and a half years goes by (how I found out about the payout in the first place) 4. The grand finale! You guys drop me. I am completely heartbroken on how unprofessional you guys handled this situation. I wish there was anything good to say but there isn’t. I got a call today saying “if you don’t switch by today, you’re going to have a $150/day fine (when I just paid a 450 dollar bill LAST month) the worst customer service, terrible people to go into business with. I’ll make sure anytime the word “car” or “insurance” comes out of my mouth every one of my customers in my line of business knows how badly you guys handled this.
Gail Eaton
I have had this insurance company for about 3 years. Last year my rates went up $104.00 due to rate increase. This year they were going to raise it $139.00 due to underperforming issues on their part and a decrease in my insurance rating. I have no tickets, no accidents, excellent credit and low mileage on a car that is five years old. They can keep their insurance. I am going with another company.
JIASONG
George
Good service
William

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.