Electric Insurance vs GEICO Car Insurance

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Last Updated: January 2022


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Electric Insurance
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Electric Insurance VS GEICO
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User Ratings
OptionsElectric Insurance GEICO
12 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsElectric Insurance 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)
OptionsElectric Insurance 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)
RegionElectric Insurance 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
RegionElectric Insurance GEICO
147,062 Reviews
446,400 Reviews
Financial Ratings
OptionsElectric Insurance GEICO
A.M. Best--A++
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityElectric Insurance GEICO
Santa Monica--$48

For Single Drivers

CityElectric Insurance GEICO
Santa Monica--$129

For Male Drivers

CityElectric Insurance GEICO
Santa Monica--$123

For Female Drivers

CityElectric Insurance GEICO
Santa Monica--$53

For Drivers with Speeding Ticket

CityElectric Insurance GEICO
Santa Monica--$141

For Drivers with No Speeding Ticket

CityElectric Insurance GEICO
Santa Monica--$77

For Drivers Age Between 18-40

CityElectric Insurance GEICO
Santa Monica--$149

For Drivers Age Between 40-65

CityElectric Insurance GEICO
Santa Monica--$40

For Drivers Age of 65+

CityElectric Insurance GEICO
Santa Monica--$41

For Drivers with Average Credit

CityElectric Insurance GEICO
Santa Monica--$76

For Drivers with Fair Credit

CityElectric Insurance GEICO
Santa Monica--$56

For Drivers with Good Credit

CityElectric Insurance GEICO
Santa Monica--$60

For Drivers with Excellent Credit

CityElectric Insurance GEICO
Santa Monica--$161

Quotes & Discounts

Discount typeElectric Insurance GEICO
Accident ForgivenessVaries--
Accident FreeVariesVaries
Advance shopperVaries--
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesUp to 5%
Daytime Running LightsVariesUp to 3%
Driving trainingVariesVaries
Good DriverVariesUp to 26%
Good StudentVariesUp to 15%
Low MileageVaries--
Mature driverVaries--
Multiple PolicyVariesVaries
New CarVaries--
Paid in fullVaries--
Passive RestraintVariesUp to 25%
Preferred paymentVaries--
Student Away at SchoolVaries--
Defensive Driver--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Military--Up to 15%
Multiple Vehicle--Varies
Seat Belt Use--Up to 15%
Senior Adult--Varies

Payment Methods

Discount typeElectric Insurance GEICO
Automatic Online Payment
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
Mail Payment
Mobile App Payments
Multi-Payment Installment Plans
Online Payment
Payroll Deduction
Phone Payment

Features and Services

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

Optional Coverages

Optional CoveragesElectric Insurance GEICO
Accident Forgiveness
Comprehensive Claim Forgiveness
Emergency Lockout Coverage
Gap Insurance
Glass Coverage yes--
Incident Forgiveness
Mechanical Breakdown Insurance
New Car Replacement Coverage
No Fault Coverage
Original Equipment Manufacturer Coverage
Rental Reimbursement
Roadside Assistance
Umbrella Policy
Work Loss Coverage

Online Quoting by State

  • Electric Insurance
  • Both

Uber and Lyft driver insurance

  • Electric Insurance
  • Both

SR‌-22 Insurance by State

  • Electric Insurance
  • Both

Compare Insurance Products

ProductElectric Insurance GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
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 Insurance--yes
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 Insurance--yes

User Reviews

  • Electric Insurance Reviews
  • GEICO Reviews
5 Stars
25 %
4 Stars
8 %
3 Stars
8 %
2 Stars
8 %
1 Star
50 %

Most Positive Review

By Shubha
Cost and services

Most Critical Review

By Holly Knef
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!

All Reviews

Showing 1 - 10 out of 12 Reviews
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Steve C
Electric insurance is by far the worst insurance company I have ever dealt with their claim service is slow in accurate and frustrating to say the least. They have drug their feet, refused to issue me payment for a prorated amount For a vehicle that should have been removed from my policy over six weeks ago they do not have to do math and calculate the amount of premiums that I have paid from that day until the day they removed it they promised me an extension on the rental car due to their lack of expediency in the claims process by using a third-party insurance adjuster who took well over a week to come out and look at my automobile, have raised my premiums to over $6000 Per year. They do not returned calls and they do not comprehend the word customer service. I am going to find a new insurance carrier for my auto‘s. Their claims people are ignorant of the process, their customer service people never resolve issues for me. I’ve been a customer for five years yet I am treated extremely poorly. I surely hope that anybody else who purchases insurance from electric insurance Company has better luck than I have. They are inherently dishonest
Electric Insurance Co has deliberately withheld information from me about a workers comp claim I had against ** ******** ****** in Lynn, MA. Although I spoke with a rep about the claim, she now claims they don't have it even though she referred to documents in her possession
They keep raising our rates. Raised to the point now that we cannot afford it
Mike Q
I was very displeased with everything from ELECTRIC INSURANCE. Their insured hit my car and all my experience with claims has been a complete nightmare! Their customer service for claims is definitely the worst I have ever experienced. They never reply and are never happy to help and take long time to resolve. I was involved in this accident this year and my car took longer than expected to be fixed so instead of resolving never sent the money for rental until many fights when asked to wait until I can resole things at my end they send the check to IRS without even contacting me and *** was paid!!! Jesse, Jen, Ryan and the manager Kristine T******* are the worst!!! Electric company is a complete nightmare of insurance I have worked with insurance for 3 years and never offered or experienced such a disgrace of a company!!!
Holly Knef
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!
Amy N.
This company offered me great rates on my Texas home, I left my carrier of 3 years to join Electric Insurance - after being insured for ONLY ONE MONTH they are dropping my house. My roof was done in 2007 and it doesn't meet their EXTREMELY high standards. I tried to ask if I could have some roof repair done (not really needed - their report showed hardly any real issues, some noteable granular loss and a few curled shingles) and they told me NO the ENTIRE roof must be replaced. I'm an agent also for a different agency, we offer to our clients to do repairs as needed not an ENTIRE ROOF REPLACEMENT! I will make sure all of my friends and family avoid this terrible company. What a terrible way to do business! Don't event think about using them unless you have a new construction build, they'll just write the policy and cancel you a month later over what seems to be lame excuses.
Mark O.
Electric Insurance is a terrible company! There should be a zero stars choice because Electric Insurance is a big ZERO. My truck slid off of the road and into a ditch due to black ice and hit the embankment of a driveway which damaged the front bumper, radiator, a headlight, and dented a fender. That was a month and a half ago and I finally got my truck back yesterday without the dent repaired because they refused to cover the dent claiming that it was not due to the accident, which it was. They also stopped returning any emails or phone calls almost two weeks ago and I would not have had any transportation once their rental coverage ran out if not for the kindness of the auto body shop where my truck sat for that month and a half while the shop waited for authorizations for repairs. As it turns out Electric Insurance hires seedy private claims adjusters who also ignore phone calls and collude with Electric Insurance to deny any part of your claim which they can get away with. Now I have to live with the dent or pay out of pocket to have it repaired but at least I have the truck back in my possession. Be forewarned: Electric Insurance is not a company to do business with!
Cost and services
Cost and services
Candice S.
One of Electric's driver's totaled my son's car. He lied to the police officer and said he had a green arrow on a left turn. It is apparent by the fact that he t-boned my son's driver side that he failed to yield. Electric is refusing to pay based upon their client's false statement. It has been 6 weeks. Electric will take up to one week at a time responding to email or voice mail. I have resorted to putting everything in writing via email and refuse to speak on the phone about the claim because they are lying every time I speak to someone. My insurance company, **** (a reputable carrier) has ruled this accident as their driver's fault. They refuse to accept blame. First they denied the claim, then they offered 20%, then they offered 50%. I refuse to accept less than 100%. I will be taking their client to small claims court and holding him personally liable. And I will be reporting Electric to the Massachusetts Consumer Affairs and Business Regulation. I am done!
Showing 1 - 10 out of 12 reviews


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