- GEICO auto insurance: Overall verdict
- What auto insurance coverages does GEICO offer?
- How does GEICO insurance rank?
- How much is GEICO auto insurance?
- GEICO car insurance rates by state
- GEICO insurance rates for teens
- GEICO insurance rates for adults
- GEICO insurance rates for seniors
- GEICO insurance rates for drivers with tickets, accidents and poor credit
- GEICO insurance discounts and ways to save
- What do people ask about GEICO Insurance?
- Sources & Methodology
GEICO auto insurance: Overall verdict
GEICO advertises itself as the place to save on car insurance, and its rates are lower than most national carriers in our 2026 Best Car Insurance Companies ranking. In addition to low rates, it has solid financial stability and scored well across our annual survey.
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.
What auto insurance coverages does GEICO offer?
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:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Mexico car insurance
- Rental reimbursement
- Roadside assistance
- Collector car insurance
How does GEICO insurance rank?
GEICO ranked second 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.
Here’s a look at how it compared to a selection of competitors.
| Company | AM Best | Customer satisfaction | NAIC** | Monthly premium | Overall score |
|---|---|---|---|---|---|
| GEICO | A++ | 83% | 0.603 | $179 | 4.5 |
| Travelers | A++ | 89% | 0.625 | $175 | 4.55 |
| Nationwide | A | 88% | 0.636 | $205 | 4.19 |
| Progressive | A+ | 78% | 0.604 | $223 | 4.05 |
| Amica | A+ | 77% | 0.588 | $231 | 4.02 |
| State Farm | A+ | 84% | 0.869 | $239 | 3.91 |
| Allstate | A+ | 83% | 1.2 | $267 | 3.57 |
| Farmers | A | 84% | 1.239 | $257 | 3.52 |
| USAA* | A++ | 90% | 1.164 | $131 | 4.53 |
**USAA is only available to military members, veterans and their families, and as a result is not ranked.
**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?
The average full coverage rate for a 40-year-old driver with GEICO is $2,148 per year or $179 per month. That’s compared to $3,085 for Farmers and $3,205 per year for Allstate, which is on the pricier end.
Only Travelers and USAA had lower rates than GEICO, among the national carriers in our survey.
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 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| GEICO | $2,148 | $179 |
| Allstate | $3,205 | $267 |
| Amica | $2,767 | $231 |
| Farmers | $3,085 | $257 |
| Nationwide | $2,463 | $205 |
| Progressive | $2,675 | $223 |
| State Farm | $2,874 | $239 |
| Travelers | $2,103 | $175 |
| USAA | $1,572 | $131 |
GEICO car insurance rates by state
Drivers in Louisiana and Minnesota pay some of the highest rates for GEICO insurance, while drivers in Indiana and New Hampshire see the cheapest 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.
Find your state below to see the average annual cost of a GEICO car insurance policy.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Alaska | $345 | $436 | $1,818 |
| Alabama | $350 | $505 | $1,709 |
| Arkansas | $327 | $521 | $1,871 |
| Arizona | $435 | $692 | $1,796 |
| California | $455 | $618 | $2,038 |
| Colorado | $274 | $440 | $2,249 |
| Connecticut | $469 | $606 | $1,633 |
| Washington, D.C. | $535 | $633 | $1,991 |
| Delaware | $531 | $778 | $1,831 |
| Florida | $611 | $1,646 | $2,865 |
| Georgia | $412 | $693 | $2,248 |
| Hawaii | $246 | $416 | $1,251 |
| Iowa | $253 | $324 | $1,871 |
| Idaho | $201 | $257 | $1,308 |
| Illinois | $325 | $403 | $1,451 |
| Indiana | $279 | $343 | $1,175 |
| Kansas | $292 | $364 | $1,996 |
| Kentucky | $475 | $757 | $2,259 |
| Louisiana | $561 | $1,266 | $3,347 |
| Massachusetts | $446 | $643 | $1,817 |
| Maryland | $451 | $490 | $1,545 |
| Maine | $318 | $323 | $1,441 |
| Michigan | $555 | $574 | $1,827 |
| Minnesota | $579 | $655 | $3,406 |
| Missouri | $337 | $444 | $1,861 |
| Mississippi | $375 | $625 | $2,637 |
| Montana | $246 | $391 | $2,821 |
| North Carolina | $746 | $834 | $3,233 |
| North Dakota | $262 | $277 | $1,933 |
| Nebraska | $247 | $278 | $2,859 |
| New Hampshire | $340 | $371 | $1,206 |
| New Jersey | $774 | $897 | $2,487 |
| New Mexico | $378 | $536 | $1,502 |
| Nevada | $586 | $1,187 | $2,769 |
| New York | $669 | $800 | $2,218 |
| Ohio | $409 | $510 | $1,522 |
| Oklahoma | $305 | $575 | $2,066 |
| Oregon | $547 | $665 | $1,993 |
| Pennsylvania | $384 | $621 | $2,974 |
| Rhode Island | $691 | $928 | $2,982 |
| South Carolina | $571 | $846 | $2,417 |
| South Dakota | $251 | $301 | $3,318 |
| Tennessee | $321 | $423 | $1,673 |
| Texas | $616 | $947 | $2,746 |
| Utah | $400 | $547 | $1,397 |
| Virginia | $457 | $469 | $1,581 |
| Vermont | $281 | $330 | $1,582 |
| Washington | $436 | $731 | $1,998 |
| Wisconsin | $205 | $256 | $1,376 |
| West Virginia | $472 | $540 | $1,934 |
| Wyoming | $174 | $203 | $3,211 |
GEICO insurance rates for teens
For a teen driver, GEICO offers average rates of $6,112 a year, lower than any other national carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. aside from USAA, making it the cheapest option for most 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.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| GEICO | $6,112 | $3,186 | $2,148 |
| Allstate | $9,895 | $4,811 | $3,205 |
| Amica | $9,594 | $4,704 | $2,767 |
| Farmers | $11,628 | $4,595 | $3,085 |
| Nationwide | $7,821 | $3,824 | $2,463 |
| Progressive | $10,196 | $4,372 | $2,675 |
| State Farm | $7,922 | $4,624 | $2,874 |
| Travelers | $6,417 | $3,270 | $2,103 |
| USAA | $5,267 | $2,492 | $1,572 |
GEICO insurance rates for adults
A 25-year-old adult male will pay $2,438 a year for car insurance, and that same driver will pay $2,151 at age 40.
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.
Here’s what adults can expect to pay on average for full coverage car insurance with GEICO at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $2,438 | $2,409 |
| 30 | $2,205 | $2,196 |
| 35 | $2,183 | $2,184 |
| 40 | $2,151 | $2,146 |
| 45 | $2,140 | $2,130 |
| 50 | $2,028 | $2,066 |
| 55 | $1,996 | $2,027 |
| 60 | $2,001 | $2,021 |
GEICO insurance rates for seniors
The average cost of car insurance with GEICO at age 65 is $2,007 for males and $2,010 for females.
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.
Here’s what a senior driver can expect to pay with GEICO at various ages:
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $2,007 | $2,010 |
| 70 | $2,193 | $2,185 |
| 75 | $2,404 | $2,381 |
GEICO insurance rates for drivers with tickets, accidents and poor credit
GEICO’s rates for drivers with poor credit are around 45% higher than those with a clean driving record, indicating that the company gives at-fault accident violations a lot of weight.
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 claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., making it an important rating factor.
GEICO insurance discounts and ways to save
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
What do people ask about GEICO Insurance?
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, GEICO ranked very well for customer satisfaction.
Although the company did not rank in the top half for auto claims satisfaction in the 2024 J.D. Power consumer survey, where the average was 697, nearly 80% of customers in our survey said they were satisfied with claims handling.
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.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Source
GEICO. “Car Insurance Discounts.” Accessed March 2026.
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