4.8out of 3,000+ reviews

GEICO vs National General Car Insurance

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4 Insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

National General
58
What is this?

Insurify Composite Score

GEICO VS National General
88
58
What is this?
User Ratings
OptionsGEICO National General
Rating/Reviews
3,736 reviews
210 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO National General
Call Center RepresentativeAbout average--
Insurer WebsiteAmong the best--
Local AgentThe rest--
Overall SatisfactionAbout average--
Policy OfferingsBetter than most--
PricingBetter than most--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO National General
Claim ServicingBetter than most--
Estimation ProcessBetter than most--
First Notice of Loss (FNOL)Better than most--
Overall SatisfactionBetter than most--
Rental ExperienceBetter than most--
Repair ProcessAbout average--
SettlementBetter than most--
J.D. Power Ratings by Region (out of 1000)
RegionGEICO National General
California807 pt
About average
--
Central838 pt
Better than most
--
Florida832 pt
Better than most
--
Mid-Atlantic848 pt
Better than most
--
New England827 pt
About average
--
New York813 pt
About average
--
North Central830 pt
About average
--
Northwest805 pt
About average
--
Southeast839 pt
About average
810 pt
The rest
Southwest798 pt
The rest
--
Texas816 pt
The rest
--
Mobile App Ratings
RegionGEICO National General
Android
147,062 Reviews
--
iOS
446,400 Reviews
--
Financial Ratings
OptionsGEICO National General
A.M. BestA++A-
FitchAA---
Moody'sAa3--
Standard & Poor'sAA+--

Auto Insurance Quotes

For Married Drivers

CityGEICO National General
Austin$59$68
Chicago$67--
Philadelphia$88--
Phoenix$38--
Santa Monica$48--

For Single Drivers

CityGEICO National General
Austin$62$74
Chicago$68--
Philadelphia$92--
Phoenix$44--
Santa Monica$129--

For Male Drivers

CityGEICO National General
Austin$59$70
Chicago$71--
Philadelphia$92--
Phoenix$42--
Santa Monica$123--

For Female Drivers

CityGEICO National General
Austin$62$72
Chicago$64--
Philadelphia$87--
Phoenix$40--
Santa Monica$53--

For Drivers with Speeding Ticket

CityGEICO National General
Austin$74$82
Chicago$92--
Philadelphia$128--
Phoenix$64--
Santa Monica$141--

For Drivers with No Speeding Ticket

CityGEICO National General
Austin$58$69
Chicago$62--
Philadelphia$84--
Phoenix$36--
Santa Monica$77--

For Drivers Age Between 18-40

CityGEICO National General
Austin$63$75
Chicago$71--
Philadelphia$98--
Phoenix$45--
Santa Monica$149--

For Drivers Age Between 40-65

CityGEICO National General
Austin$54$63
Chicago$61--
Philadelphia$79--
Phoenix$35--
Santa Monica$40--

For Drivers Age of 65+

CityGEICO National General
Austin$75$88
Chicago$78--
Philadelphia$99--
Phoenix$48--
Santa Monica$41--

For Drivers with Average Credit

CityGEICO National General
Austin$68$82
Chicago$70--
Philadelphia$94--
Phoenix$43--
Santa Monica$76--

For Drivers with Fair Credit

CityGEICO National General
Austin$71$75
Chicago$74--
Philadelphia$104--
Phoenix$43--
Santa Monica$56--

For Drivers with Good Credit

CityGEICO National General
Austin$55$69
Chicago$66--
Philadelphia$84--
Phoenix$37--
Santa Monica$60--

For Drivers with Excellent Credit

CityGEICO National General
Austin$48$58
Chicago$60--
Philadelphia$77--
Phoenix$41--
Santa Monica$161--

Quotes & Discounts

Discount typeGEICO National General
Good DriverUp to 26%Varies
Anti-Theft DeviceUp to 25%Varies
Emergency DeploymentUp to 25%--
Federal EmployeeUp to 25%--
Passive RestraintUp to 25%--
Good StudentUp to 15%--
MilitaryUp to 15%--
Seat Belt UseUp to 15%--
Anti-lock BrakeUp to 5%Varies
Daytime Running LightsUp to 3%--
Accident FreeVaries--
Defensive DriverVaries--
Driving trainingVaries--
Multiple PolicyVariesVaries
Multiple VehicleVariesVaries
OrganizationVariesVaries
Senior AdultVaries--
teenSMARTVaries--
Affinity group--Varies
Low Mileage--Varies
Loyalty--Varies
Paid in full--Varies

Payment Methods

Discount typeGEICO National General
Automatic Online Payment
yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yes--
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
--yes
Phone Payment
yes--

Features and Services

Features and ServicesGEICO National General
24/7 serviceyesyes
Accident forgivenessyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyes--
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO National General
Accident Forgiveness
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
No Fault Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yes--
Umbrella Policy
yes--

Online Quoting by State

  • GEICO
  • National General
  • Both

Uber and Lyft driver insurance

  • GEICO
  • National General
  • Both

SR‌-22 Insurance by State

  • GEICO
  • National General
  • Both

Compare Insurance Products

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

User Reviews

  • GEICO Reviews
  • National General Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

All Reviews

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 reviews

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.