Cumberland Mutual vs GEICO Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Cumberland Mutual
Not Rated
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Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

Cumberland Mutual VS GEICO
Not Rated
88
What is this?
User Ratings
OptionsCumberland Mutual GEICO
Rating/Reviews
0 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsCumberland Mutual 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)
OptionsCumberland Mutual 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)
RegionCumberland Mutual 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 Central--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
RegionCumberland Mutual GEICO
Android--
147,062 Reviews
iOS--
446,400 Reviews
Financial Ratings
OptionsCumberland Mutual GEICO
A.M. Best--A++
Fitch--AA-
Moody's--Aa3
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityCumberland Mutual GEICO
Austin--$59
Chicago--$67
Philadelphia--$88
Phoenix--$38
Santa Monica--$48

For Single Drivers

CityCumberland Mutual GEICO
Austin--$62
Chicago--$68
Philadelphia--$92
Phoenix--$44
Santa Monica--$129

For Male Drivers

CityCumberland Mutual GEICO
Austin--$59
Chicago--$71
Philadelphia--$92
Phoenix--$42
Santa Monica--$123

For Female Drivers

CityCumberland Mutual GEICO
Austin--$62
Chicago--$64
Philadelphia--$87
Phoenix--$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityCumberland Mutual GEICO
Austin--$74
Chicago--$92
Philadelphia--$128
Phoenix--$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityCumberland Mutual GEICO
Austin--$58
Chicago--$62
Philadelphia--$84
Phoenix--$36
Santa Monica--$77

For Drivers Age Between 18-40

CityCumberland Mutual GEICO
Austin--$63
Chicago--$71
Philadelphia--$98
Phoenix--$45
Santa Monica--$149

For Drivers Age Between 40-65

CityCumberland Mutual GEICO
Austin--$54
Chicago--$61
Philadelphia--$79
Phoenix--$35
Santa Monica--$40

For Drivers Age of 65+

CityCumberland Mutual GEICO
Austin--$75
Chicago--$78
Philadelphia--$99
Phoenix--$48
Santa Monica--$41

For Drivers with Average Credit

CityCumberland Mutual GEICO
Austin--$68
Chicago--$70
Philadelphia--$94
Phoenix--$43
Santa Monica--$76

For Drivers with Fair Credit

CityCumberland Mutual GEICO
Austin--$71
Chicago--$74
Philadelphia--$104
Phoenix--$43
Santa Monica--$56

For Drivers with Good Credit

CityCumberland Mutual GEICO
Austin--$55
Chicago--$66
Philadelphia--$84
Phoenix--$37
Santa Monica--$60

For Drivers with Excellent Credit

CityCumberland Mutual GEICO
Austin--$48
Chicago--$60
Philadelphia--$77
Phoenix--$41
Santa Monica--$161

Quotes & Discounts

Discount typeCumberland Mutual GEICO
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesUp to 5%
Multiple PolicyVariesVaries
Passive RestraintVariesUp to 25%
Accident Free--Varies
Daytime Running Lights--Up to 3%
Defensive Driver--Varies
Driving training--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Good Driver--Up to 26%
Good Student--Up to 15%
Military--Up to 15%
Multiple Vehicle--Varies
Organization--Varies
Seat Belt Use--Up to 15%
Senior Adult--Varies
teenSMART--Varies

Payment Methods

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

Features and Services

Features and ServicesCumberland Mutual GEICO
24/7 service--yes
Accident forgivenessyesyes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesCumberland Mutual GEICO
Accident Forgiveness
--yes
Comprehensive Claim Forgiveness
--yes
Incident Forgiveness
--yes
Mechanical Breakdown Insurance
--yes
No Fault Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes

Uber and Lyft driver insurance

  • Cumberland Mutual
  • GEICO
  • Both

SR‌-22 Insurance by State

  • Cumberland Mutual
  • GEICO
  • Both

Compare Insurance Products

ProductCumberland Mutual GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
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 Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

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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.