Our take

Geico has a reputation for offering low rates for car insurance, mainly through its popular advertising campaigns with the Geico gecko. To some degree, the reputation is earned, but not entirely. It ranked in the middle of the pack for premiums in our Best Car Insurance Companies ranking but ahead of its two biggest competitors, State Farm and Progressive.

Its auto insurance is available in all 50 states and has a strong online presence and robust smartphone application, making it a good option no matter where you live.

Pros:
  • Reputation for offering low rates
  • Most transactions can be handled online or via its app
  • Available in all 50 states
Cons:
  • Doesn’t offer its own home insurance; coverage is through partnerships
  • Doesn’t offer gap insurance for new cars
  • Rated slightly below average for auto claims satisfaction

States where Geico offers coverage

Available in all states.

Map
Table
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available
State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

What does Geico auto insurance cover?

Geico offers policies to meet most drivers’ needs, with a notable exception: it doesn’t currently offer gap insurance. 

All primary car insurance coverage options are available:

Additional coverage offerings:

  • Mexico car insurance
  • Rental reimbursement
  • Roadside assistance
  • Collector car insurance

How does Geico insurance rank?

Geico ranked 7th out of 15 on our annual list of the top car insurance providers. It earned solid marks for customer satisfaction, lower premiums than its biggest competitors and strong financial stability. It’s also available nationwide, making it an easy choice no matter where you live.

Although the company did not rank in the top half for auto claims satisfaction in the 2024 J.D. Power consumer survey, its 7th place finish did put it just into the top half of our ranking.

Here's a look at how it compared to a selection of competitors.

CompanyAM BestJ.D. Power auto claims satisfactionNAIC complaint ratio*Average annual premium(out of 5)Overall score
GeicoA++8710.913.994.20
NationwideA8750.644.764.33
State FarmA++8910.73.234.27
ProgressiveA+8700.653.154.33

*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Geico auto insurance?

In our analysis of rates for the top car insurance providers, Geico ranked 7th for premiums out of 15 ranked companies. It was cheaper than its biggest competitors, State Farm and Progressive, but not as cheap as other large providers like Travelers and Nationwide.

The study found that regional carrier Erie Insurance has the cheapest premiums; Nationwide is the cheapest among national carriers.

The average full coverage rate for a 40-year-old driver with Geico is $1,763 per year or $147 per month. That compared to $1,480 for Erie Insurance and $2,509 per year for Allstate, which is on the pricier end.

Here is a comparison of rates with top competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.

CompanyAverage annual rateAverage monthly rate
Geico$1,763$147
Nationwide$1,548$129
State Farm$1,984$165
Progressive$1,998$166

Geico car insurance rates by state

Where you live is one of the biggest factors in car insurance rates.

Car insurance rates by state vary. Some states have considerably higher insurance rates due to circumstances such as frequent hail events, flooding and higher litigation costs. 

Drivers in Louisiana and Missouri pay some of the highest rates for Geico insurance, while drivers in Indiana and Idaho see the cheapest rates. 

Find your state below to see the average annual cost of a Geico car insurance policy.

StateState minimumLiability 50/100/50Full coverage 100/300/100 liability, $500 deductibles
Alaska$384$477$1,338
Alabama$363$523$1,625
Arkansas$285$383$1,794
Arizona$369$538$1,312
California$367$591$1,919
Colorado$227$347$1,445
Connecticut$384$463$1,242
Washington, D.C.$387$458$1,408
Delaware$530$792$1,695
Florida$561$1,238$2,214
Georgia$471$754$2,072
Hawaii$258$432$1,184
Iowa$254$325$1,716
Idaho$201$257$1,174
Illinois$298$372$1,178
Indiana$249$313$986
Kansas$263$296$1,622
Kentucky$508$798$2,106
Louisiana$507$1,164$2,983
Massachusetts$453$559$1,269
Maryland$428$465$1,262
Maine$318$323$1,228
Michigan$620$638$1,553
Minnesota$498$554$2,495
Missouri$765$931$3,217
Mississippi$388$622$2,210
Montana$249$402$2,382
North Carolina$492$539$1,617
North Dakota$270$285$1,773
Nebraska$242$272$2,372
New Hampshire$361$395$1,212
New Jersey$588$679$1,563
New Mexico$380$538$1,406
Nevada$430$791$1,708
New York$555$668$1,736
Ohio$421$532$1,373
Oklahoma$291$562$1,820
Oregon$513$624$1,683
Pennsylvania$355$587$2,308
Rhode Island$646$825$2,292
South Carolina$512$779$2,054
South Dakota$223$269$2,384
Tennessee$316$409$1,565
Texas$445$650$1,644
Utah$395$552$1,325
Virginia$388$448$1,382
Vermont$286$317$1,276
Washington$296$473$1,171
Wisconsin$215$250$1,195
West Virginia$578$678$2,248
Wyoming$174$203$2,514

Geico insurance rates for teens

As with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Geico.

Here’s a comparison of what a teenage driver can expect to pay with Geico compared to older drivers.

CompanyTeenage drivers aged 16-19Young adults aged 20-2440-year-old adult
Geico$5,049$2,647$1,763
Nationwide$5,285$2,556$1,548
State Farm$5,368$3,179$1,984
Progressive$7,174$3,242$1,998

Geico insurance rates for adults

Rates level off after the age of 25 and continue to decline into your adult years.

While rates can vary slightly by insurance company, adults will pay some of their cheapest rates around the age of 60 to 65. Geico’s rates are cheapest at age 60.

An adult male will pay $2,035 a year at age 25, and that same driver will pay $1,773 at age 40.

Here’s what adults can expect to pay on average for full coverage car insurance with Geico at various ages.

AgeAverage yearly premiums, maleAverage yearly premiums, female
25$2,035$2,033
30$1,836$1,822
35$1,798$1,783
40$1,773$1,753
45$1,757$1,767
50$1,686$1,709
55$1,658$1,682
60$1,656$1,672
65$1,659$1,665

Geico insurance rates for seniors

Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will vary from driver to driver.

For that reason, expect your rates to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.

The average cost of car insurance with Geico at age 65 is $1,659 for a male and $1,665 for a female.

Here’s what a senior driver can expect to pay with Geico at various ages:

AgeAverage yearly premiums, maleAverage yearly premiums, female
60$1,656$1,672
65$1,659$1,665
70$1,780$1,760
75$1,950$1,913

Geico insurance rates by driver profile

Your driving record is a good risk indicator, as drivers with tickets and accidents are more likely to have more in the future. Insurers also consider your credit rating in most states.

A poor credit score is statistically correlated with a higher risk of filing a claim, making it an important rating factor.

Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Geico. An at-fault accident will cause the biggest premium increase.

Clean recordAt-fault accidentSpeeding ticketPoor credit rating
$1,763$3,207$2,831$3,039

Geico insurance discounts

One of the best ways to lower your insurance premiums is to see if you are eligible for any available car insurance discounts.

Carriers generally offer discounts for various items, such as bundling insurance policies with the same carrier, installing safety devices, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.

Most discounts are about 5% to 10%, but they can be as much as 30%. Sometimes you can qualify for multiple discounts.

Geico offers a wide range of discounts, including the following:

  • Multi-car and multi-policy bundling
  • Airbags
  • Anti-lock brakes 
  • Anti-theft system
  • Daytime running lights
  • Seat belt use 
  • Five-year accident-free good driver
  • Defensive driving course 
  • Driver’s education
  • Good student discount
  • Military (active duty)
  • Federal employee 
  • New vehicle

Sources & Methodology

Methodology

Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.

Source

Geico. “Car Insurance Discounts.” Accessed August 2024.

What do people ask about Geico Insurance?

To help you decide if Geico is right for you, we sought out common questions asked about Geico online and answer them right here.

Why does Geico keep raising prices?

If your Geico car insurance rate is going up on every renewal, there are number of possible culprits, including changes in your driver profile or household. If there are no changes, however, the rate increases are likely due to across-the-board rate hikes that are being seen with every company as a result of the increased costs of parts and labor as well as increased severe weather. As insurance companies have to pay out more in claims, they raise their rates to make up for it.

Why can’t I get auto insurance with Geico?

Car insurance companies turn down applications when the driver doesn’t meet the company’s requirements for coverage. This is usually due to risk; a driver who presents a risk that’s unacceptable to the company’s underwriting department will be declined. If you have been turned down online, call Geico directly to discuss the issue and find out if the decision can be reversed.

Is Geico a good insurance company?

In our survey, customers gave Geico average marks for customer satisfaction, and in its 2024 consumer survey, J.D. Power ranked it slightly below average for auto claims satisfaction.

As with all insurance companies, there are mixed experiences, but Geico generally has a solid reputation and is among the largest companies in the nation for a reason.