If you’re shopping for a new car insurance provider, you’ve almost certainly heard of Geico. To see how the insurer compares to its competitors, our review team took an in-depth look at Geico insurance reviews along with its rates, coverage options, and industry reputation. We found that the company consistently offers some of the best rates on a wide range of insurance products.

In our industry-wide review of the nation’s best car insurance companies, Geico topped the list. Keep reading to learn more about the company and why we named it the Best Overall Provider.

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In This Review:

    Geico Rating: 5.0 Out Of 5.0

    We award Geico a full 5.0 stars based on the company’s positive reviews, comprehensive coverage options, and well-established reputation. While some Geico insurance reviews mention a stressful claims process, such comments are in the minority.

    Geico may not be the least expensive provider for every driver, but it is a low-cost option overall, especially for young drivers and those with poor credit.

    Cost

    4.5

    Coverage

    5.0

    Reliability

    5.0

    Claims Service

    5.0

    Overall Rating

    5.0

    About Geico

    Founded: 1936
    Parent company: Berkshire Hathaway
    States available: All states
    AM Best financial strength rating: A++

    Geico has been providing high-quality coverage since 1936 and is now the second-largest insurer in the U.S. The company offers every standard type of car insurance as well as mechanical breakdown insurance and coverage for rideshare drivers.

    As a national company with an annual revenue in the billions, Geico is well equipped to meet customer claims obligations. Many Geico insurance reviews highlight a positive claims process, with well-trained agents providing prompt and courteous communication.

    Geico offers the following types of insurance:

    • Auto insurance
    • RV insurance
    • Homeowners insurance
    • Renters insurance
    • Condo insurance
    • Motorcycle insurance
    • ATV insurance
    • Boat insurance
    • Life insurance
    • Pet insurance
    • Business insurance
    • Motorhome insurance

    Pros

    Cons

    Low average rates

    Limited usage-based insurance availability

    High customer satisfaction scores

    Some complaints about slow claims processing

    Many discount opportunities

    Geico Car Insurance Cost And Discounts

    Geico auto insurance rates are competitive and may be your cheapest option depending on your driver profile. Rates vary by state, and average Geico premiums range from around $735 to $1,565, according to our cost research.

    Auto insurance companies set premiums based on a number of factors, which include:

    • Age
    • Location
    • Driving history
    • Credit score
    • Gender
    • Marital status
    • Vehicle type

    The table below lists Geico rate estimates for a 35-year-old married driver with good credit and a clean driving record. Your rates may vary, but these numbers can provide an idea of what you might expect to pay for Geico insurance in each state.

    State

    Annual Rate Estimate

    State

    Annual Rate Estimate

    Alabama

    $977

    Alaska

    $1,039

    Arizona

    $1,084

    Arkansas

    $1,558

    California

    $1,668

    Colorado

    $1,179

    Connecticut

    $924

    Delaware

    $1,398

    District of Columbia

    $1,015

    Florida

    $1,499

    Georgia

    $1,251

    Hawaii

    $851

    Idaho

    $735

    Illinois

    $1,170

    Indiana

    $797

    Iowa

    $965

    Kansas

    $1,078

    Kentucky

    $872

    Louisiana

    $6,614

    Maine

    $559

    Maryland

    $1,715

    Massachusetts

    $1,565

    Minnesota

    $1,181

    Mississippi

    $1,262

    Missouri

    $2,049

    Montana

    $1,349

    Nebraska

    $1,272

    Nevada

    $1,414

    New Hampshire

    $861

    New Jersey

    $1,340

    New Mexico

    $1,007

    New York

    $2,286

    North Carolina

    $1,118

    North Dakota

    $1,316

    Ohio

    $748

    Oklahoma

    $1,262

    Oregon

    $1,218

    Pennsylvania

    $1,111

    Rhode Island

    $1,703

    South Carolina

    $1,075

    South Dakota

    $1,096

    Tennessee

    $1,059

    Texas

    $1,532

    Utah

    $958

    Vermont

    $851

    Virginia

    $999

    Washington

    $1,232

    West Virginia

    $1,393

    Wisconsin

    $760

    Wyoming

    $1,565

    *Cost information not available for Geico auto insurance in Michigan.

    Overall, Geico has some of the cheapest car insurance rates in the country. Our cost data puts Geico among the three cheapest insurers (on average) for good drivers, drivers with poor credit, and young drivers.

    Cheapest Car Insurance Estimates For Good Drivers

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,013

    State Farm

    $1,339

    Geico

    $1,352

    Cheapest Car Insurance Estimates For Drivers With Poor Credit

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,807

    Geico

    $2,077

    Nationwide

    $2,227

    Cheapest Car Insurance Estimates For Young Drivers

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,422

    Geico

    $1,627

    State Farm

    $1,765

    Geico Car Insurance Discounts

    You can reduce your Geico rates further by taking advantage of the many Geico discount offers, which include:

    Air Bag Discount

    For vehicles air bags, applies to medical payments or personal injury protection auto insurance policies

    Anti-Lock Brake Discount

    For vehicles with anti-lock brakes

    Anti-Theft System Discount

    For vehicles with an anti-theft system, applies to comprehensive coverage

    Daytime Running Lights Discount

    For vehicles with daytime running lights

    New Vehicle Discount

    For vehicles 3 model years or newer

    Accident-Free Discount

    For drivers who go 5 years without an accident

    Seat Belt Discount

    Premium reduction on medical payments and personal injury protection policies if you and your passengers always wear a seat belt

    Defensive Driving Discount

    For completing a defensive driving course

    Driver’s Ed Discount

    For young drivers who complete a driver’s education course

    Good Student Discount

    For full-time students with a good academic record

    Emergency Deployment Discount

    For military members deployed to an imminent danger zone

    Federal Employee Discount

    For active or retired federal employees

    Membership Discount

    Premium reduction if you are a member of one of Geico’s 500+ affiliate groups

    Military Discount

    For active-duty and retired military

    Multi-Vehicle Discount

    Premium reduction when you insure more than one car with Geico

    Multi-Policy Discount

    For customers who take advantage of bundling their Geico car insurance policy with a Geico homeowners insurance, renters insurance, condo insurance, or mobile home insurance policy

    Geico offers a broad range of discounts. While many insurers offer similar discounts, policy reductions with Geico can be quite high–up to 25 percent. Of course, the best way to know how much you would pay for Geico insurance coverage is to reach out for your own personalized car insurance quotes.

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    Geico Auto Insurance Coverage

    Geico offers the six standard types of car insurance. This includes:

    Liability

    Bodily injury liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.

    Comprehensive

    Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also cover other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Geico Coverage Options

    As a well-financed company, Geico offers some of the highest coverage limits in the country–liability limits in the millions are offered to some drivers. Geico also offers the following additional coverage options:

    Roadside Assistance

    This allows you to request help through the Geico app and covers towing, battery jump-starts, tire changes, lockout services, winching, and fuel delivery.

    Rental Reimbursement

    Rental reimbursement will cover your rental car costs while your vehicle is in the shop for covered repairs.

    Mechanical Breakdown Insurance

    This add-on covers the cost to repair or replace mechanical parts after an unexpected breakdown and is available for new and leased cars less than 15 months old with fewer than 15,000 miles.

    Accident Forgiveness

    Accident forgiveness can help keep your rates from going up after your first at-fault accident. While Geico’s website doesn’t specifically say how long it takes, the company rewards drivers with the add-on after some period of time without an accident. You can also purchase the option as additional coverage.

    Rideshare Insurance

    This coverage is helpful if you use your car to drive for a rideshare company like Uber or Lyft.

    Roadside assistance, rental reimbursement, and rideshare insurance are offered by most major insurers. Mechanical breakdown insurance is a less common offering. This type of coverage is similar to an extended car warranty and can be useful for customers who want to better plan for the cost of vehicle repairs.

    Geico Usage-Based Insurance: DriveEasy

    The Geico usage-based insurance app is called DriveEasy®. This program is only available in the following states:

    Alabama

    Arizona

    Colorado

    Connecticut

    District of Columbia

    Florida

    Idaho

    Illinois

    Indiana

    Iowa

    Louisiana

    Kentucky

    Maryland

    North Carolina

    Nevada

    New Jersey

    New Mexico

    Ohio

    Oklahoma

    Oregon

    Pennsylvania

    Tennessee

    Texas

    Utah

    Virginia

    Wisconsin

    Drivers who want to participate in the DriveEasy program can begin by downloading and installing the Geico mobile app. Once you enable the settings on your phone, your driving will be detected automatically. DriveEasy monitors driving habits such as phone use, speed, and hard braking. Good drivers can receive better auto insurance rates.

    Geico also offers DriveEasy Pro for businesses that want to promote fleet safety. The DriveEasy Pro app has a 3.5-star rating out of 5.0 on Google Play and a 3.4-star rating on the App Store. Companies have reported issues with logging in and being able to access the app.

    How Does Geico Pay Claims?

    Geico pays out claims by issuing a check to cover repair costs, minus any deductible. The company mails out checks in as little as 48 hours after an accident.

    Geico Mobile App

    The Geico mobile app can be used to pay your bill, view policy details, and file claims. This is typical and at this point an expectation for modern insurance providers.

    The Geico app has a rating of 4.8 out of 5.0 on Google Play and the App Store, making it one of the highest-rated insurance apps. Reviewers praise Geico customer service and how easily they can access support through the app.

    Geico Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in the past three years: 2,570
    2021 J.D. Power customer satisfaction index: 881 / 1,000

    Geico has a relatively low volume of complaints for an insurer of its size with fewer than 2,600 complaints on the BBB in the past three years. Geico takes the time to address each complaint as well.

    Geico has a slightly above-average complaint index score with the National Association of Insurance Commissioners (NAIC). An NAIC complaint index is a measure of the number of complaints an insurer receives relative to its market share. Geico (NAIC number 14139) has an NAIC complaint index of 1.04, which indicates it receives 1.04 times the average number of complaints for an insurer of its size.

    Positive Geico Insurance Reviews

    Positive Geico reviews regarding the claims process mention speedy resolution and reliable customer service.

    “I’ve been in an accident and the claims process was super easy, my rates didn’t go up due to my first accident, rental was quick, everything went smoothly and I look forward to continuing my business with Geico.”

    – Ethan R. via BBB

    “From the time [my car] was hit to receiving the payout was less than 30 days and the accident happened in Canada. […] I have never had to wait more than 48 hrs for a response from Geico.”

    – Carey H. via BBB

    “My son had to file [a] claim and they were perfect, I could not have asked for better service.”

    – Isha L. via BBB

    Negative Geico Insurance Reviews

    Not everyone is happy with Geico claims service. Though complaints are relatively rare, some customers have experienced long wait times for claims resolution.

    “Instead of considering our truck a total loss they are attempting to repair it. The caveat is that the new frame is on a manufacturer backorder for 2+ months and we’re being told it could be 4-6 months before we get our truck back. In the meantime we’re required to pay the loan and insurance premium each month totaling $1100/month with no vehicle to drive.”

    – Jacquelyn C. via BBB

    “I had the worst experience ever with a claim in which one of their policyholders was at fault for an accident in which I was involved. I was shuffled around for 3 weeks to finally be told that they could not pay my claim. I had a police report and supporting photos.”

    – Deborah W. via BBB

    Overall, Geico insurance reviews indicate a reliable company that will honor claims obligations in a quick manner. With any company of Geico’s size, not everything runs perfectly, though most customers can expect speedy claims resolution.

    Is Geico Customer Service Good?

    Geico offers excellent customer service. In many cases, claims are resolved quickly and several Geico insurance reviews praise the company for its fast payout process. However, as a large company, there are bound to be some issues. Some Geico customers have reported lower claims satisfaction, citing a slow process and difficulty receiving payouts.

     

    Other Recommendations For Car Insurance

    Geico isn’t your only choice for quality car insurance coverage. We recommend drivers compare car insurance options from several insurers before selecting a provider. Only by comparing multiple car insurance quotes can you find the right coverage for the best possible price. We recommend considering two other top-rated insurance companies in your search: USAA and Progressive. 

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    Answer a few simple questions to save money on your policy

    USAA: Best For Military Members

    USAA auto insurance is available only to military members and their families but is one of the best options for those who qualify. The company boasts some of the lowest average rates and highest customer satisfaction ratings of any insurer.

    USAA has an A++ financial strength rating from AM Best and ranks high in J.D. Power’s customer satisfaction index. Good drivers are likely to find the lowest rates through USAA.

    You can learn more about this provider, including its average cost data, by reading our complete USAA insurance review.

    Progressive: Best Usage-Based Insurance

    Progressive is one of the largest insurers in the U.S. and offers full coverage car insurance and valuable add-on options. Rates for drivers with a recent traffic violation or DUI are often the lowest with Progressive.

    Progressive’s usage-based insurance program, Snapshot®, is well reviewed on both Google Play and the App Store. This makes Progressive an attractive option for those who don’t drive very often or have excellent driving habits.

    Learn more by reading our full Progressive insurance review, where we list Progressive cost estimates and explain all Progressive coverage and discount options. We also compare Geico and Progressive head-to-head in our Geico vs. Progressive review.

    Frequently Asked Questions

    • Is Geico an A rated insurance company?

      Yes, Geico has an A+ rating from the BBB and an A++ financial strength rating from AM Best. This shows that Geico responds to complaints from customers and has strong financial backing.

    • Is Geico insurance good at paying claims?

      Yes, Geico is known for being a reliable company that pays out claims in a timely manner. The company has an A++ financial strength rating from AM Best, demonstrating its financial backing and ability to reliably pay out claims to customers.

    • Does Geico charge a cancellation fee?

      If you want to cancel your insurance policy, Geico does not charge a cancellation fee. All you need to do is call 800-841-1587 to speak with a licensed insurance agent.

    • Does Geico have gap insurance?

      No, Geico does not offer gap insurance. However, the company does offer emergency road services coverage, rental reimbursement coverage, and mechanical breakdown insurance.

    • What is the Geico claims department number?

      If you want to file a claim with Geico, you can contact the claims department at 800-841-3000 or submit a claim online. 

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.