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Geico Insurance Reviews

Updated on :
| By : Leslie Kasperowicz
Key features of Geico Insurance
  • Discounts for military members and federal workers
  • Guaranteed renewal for older drivers
Geico review highlights:
  • Geico auto insurance rates are lower than the national average.
  • There are a lot of auto insurance discounts available, including military and government employee discounts
  • Geico writes auto insurance policies in all 50 states and D.C.
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Overview

The Government Employees Insurance Co. now known as Geico was founded in 1936. Its goal was to provide insurance for government employees, but it later expanded to serving the general public. It still offers special discounts to government employees.

Berkshire Hathaway, Geico’s parent company, is the second-largest car insurance company in the nation. The July 2022 National Association of Insurance Commissioners (NAIC) report shows that the company has 14.3% of the market share nationwide.

Pros and cons of Geico

Pros:
  • Known for low rates
  • Lots of available discounts
  • Most transactions can be handled online or via the app
Cons:
  • Just barely ranked above average for claims satisfaction according to J.D. Power
  • Geico doesn’t write home insurance, coverage is through other companies

Customer Satisfaction Ratings

(324 reviews)
Overall Score
3.5/5
88% Recommend to a Friend
95% Plan to Renew
A++ A.M. Best Financial Strength Ratings Jan 13, 2021
Ratings as of Jan 13, 2021 J.D. Power Auto Claims Satisfaction Rating, 2022 : 874/1000
Claims Processing 3.5/5
Customer Service 4/5
Value for Price 3.5/5
Website & Apps 4/5
Reviews are yet to be taken.

What states is Geico auto insurance available in?

Geico writes auto insurance in all 50 states as well as in Washington, D.C.

Types of insurance available from Geico

  • Auto
  • Collector auto (through American Modern)
  • Ridesharing endorsement
  • Motorcycle
  • Homeowners
  • Renters
  • Condominium
  • Mobile home
  • Umbrella liability
  • Boat
  • RV
  • ATV
  • Home, renters, condo and mobile home (underwritten by other companies through Geico Insurance Agency)

Offerings vary by state.

Geico auto insurance coverage

Geico offers all of the standard coverage, including everything that’s required by law in any state where they sell a policy, which can include liability, personal injury protection, medical payments, and uninsured/underinsured motorist coverage. A full coverage policy adds comprehensive and collision.

In addition to the basics, Geico offers:

  • Emergency roadside assistance
  • Rental reimbursement
  • Mechanical breakdown
  • Rideshare coverage

Offerings vary by state.

Geico auto insurance discounts

Geico generally has low rates, but if you’re wondering how to lower Geico car insurance rates even more, there’s a long list of discounts available.

  • Airbags (23%)
  • Anti-lock brakes (5%)
  • Anti-theft system (23%)
  • Daytime running lights (3%)
  • Seat belt use (varies)
  • Five-year accident-free good driver (22%)
  • Defensive driving course (varies)
  • Driver’s education (varies)
  • Good Student discount (15%)
  • Emergency deployment (25%)
  • Military (active duty) (15%)
  • Member and employee (varies)
  • Federal employee (varies)
  • Multi-car discount (25%)
  • Multi-policy (varies)
  • New vehicle (15%)

Offerings vary by state. Discount percentages are averages.

Other policy options from Geico

In addition to the discounts and coverage above, Geico also offers:

  • Accident forgiveness, free after five years accident-free or as a purchased option
  • DriveEasy, a usage-based program

How much is Geico car insurance?

Geico car insurance rates vary based on location and factors about the driver and the car. Below, you can see how the average Geico car insurance cost for three coverage levels in 2022 compares to the national average. Geico’s rates are well below average.

State Minimum Liability Only50/100/50 Liability Only100/300/100 Liability with $500 Comp/Coll Deductible
Geico$326$423$1,266
National average$508$624$1,636

What would make Geico customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

8% Would never switch
2% Would switch if savings were $1000 or more
23% Would switch if savings were $500 or less
28% Would switch if savings were $250 or less
25% Would switch if savings were $100 or less
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Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

Frequently asked questions: Geico insurance

Is Geico a good insurance company?

Personal needs and individual experience determine a good insurance company for any given person. However, Geico does have a solid reputation and is the second-largest car insurance company in the U.S.

Does Geico raise rates after an accident?

Any insurance company will raise your rates after an accident, but usually only when you are at fault.

Does Geico offer pay-per-mile insurance?

No. Currently, there is no pay-per-mile program, but Geico does have a usage-based program called DriveEasy that can earn you a discount.

Geico claims and contact information

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