Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Oct 15, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Oct 15, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 15, 2024Fact Checked
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Geico

Average Monthly Rate For Good Drivers

$80

A.M. Best Rating:

A++

Complaint Level:

Med

Pros

  • Affordable rates for safe drivers
  • High customer satisfaction
  • Extensive discounts
  • Up-to-date mobile app and website

Cons

  • No gap coverage
  • Higher rates for drivers with a DUI
  • Few local agents for in-person service
[su_box title="Things to Remember" style="default”]
  • Geico is the second-largest insurance company in America and has the second-lowest average rates
  • Although it has standard discounts, Geico offers unique savings for over 500 organizations
  • Geico touts an A++ rating from A.M. Best and an A+ from the Better Business Bureau, with customers generally satisfied with their service
[/su_box] Geico is a familiar name in the car insurance market, and for a good reason. Founded in 1936 as the Government Employee Insurance Company, Geico is the second-largest car insurance provider in America today. While Geico originally sold coverage exclusively to government and military members, millions of drivers can find affordable coverage with the company today. Geico also has the second-lowest rates of all major insurance providers, with only USAA providing lower prices. From standard coverage to usage-based car insurance plans, nearly every driver can find the policy they need with Geico. Read on to explore if Geico’s insurance options are right for your car and budget. Then, compare quotes with other companies to find the best policy possible.

Our Geico auto insurance review found that the company offers various coverages, ranging from standard to to cheap usage-based auto insurance, and nearly every driver can find an affordable policy in all 50 states. The company also offers an array of digital tools to help find quotes, manage your policy, and file claims.

Geico Auto Insurance Review

Geico prices are some of the lowest among major insurance providers — only USAA offers cheaper rates. Learn more in our USAA vs. Geico auto insurance comparison.

Geico Auto Insurance Ratings

Rating CriteriaGeico Auto Insurance Review
Overall Score4.5
Insurance Cost4.4
Discounts Available4.7
Claim Processing4.8
Customer Satisfaction4.5
Coverage Availability5.0
Coverage Value4.4
Digital Experience5.0
Company Reputation4.5
Business Reviews4.5
Plan Personalization4.5
Policy Options4.1
Savings Potential4.5

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Drivers with a clean record pay as little as $80/mo with Geico, but one accident can drive your rates up to $132/mo. Some reviews on Geico Insurance find that rates increase more than other companies after a citation.

Read on to explore Geico reviews from A.M. Best, Better Business Bureau, and customers. Then, enter your ZIP code above to compare your Geico car insurance quote against top providers near you.

Geico Customer Service Review

Geico is well-known for its affordable policies, top-rated service, and impressive discount list. While everyone has a chance to find affordable rates from Geico, teens and drivers with low credit scores can particularly benefit (Learn More: Best Companies for Credit-Based Auto Insurance).

Geico Insurance Business Ratings & Consumer Reviews

AgencyGeico TablePress Logo
J.D. Power TablePress LogoScore: 871 / 1,000
Below Avg. Customer Satisfaction
BBB LogoScore: A+
Great Complaint Resolution
Consumer Reports TablePress LogoScore: 82 / 100
High Customer Satisfaction
NAIC Canva (2)Score: 1.42
More Complaints Than Avg.
A.M. BestScore: A++
Superior Financial Strength

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The National Association of Insurance Commissioners (NAIC) compares customer complaints every year and scores providers based on the number of complaints. Geico received a 1.42, which means it receives more complaints than other national providers.

In addition, according to J.D. Power’s 2023 claims satisfaction study, Geico has a score of 871 out of 1,000, which is lower than the industry average score of 878.

Is Geico leaving California? No, and Geico car insurance in Florida is also still available. Some insurance companies are pulling out of California and Florida, but Geico isn’t one of them. However, while Geico still operates in California, Geico car insurance reviews on Reddit claim that it takes more time to get a policy in the state.

Geico Auto Insurance Review: Reddit Site Screenshot

According to Geico reviews and complaints from Reddit users, the company is very strict about the underwriting process in California, and allegedly uses a 15-day underwriting review to discourage CA drivers from buying a policy. Find out more about California auto insurance with Geico here.

DriveEasy, its usage-based insurance program, is among the top three in the country, and Geico received top marks for customer service in the New England area. However, it performed below average in the Central and Southern U.S.

Depending on the state, Geico’s customer service tends to be hit or miss. Some Geico car insurance reviews rave about their experience, while others say they’ve never received such poor service. Interestingly, some reviewers say they were happy with customer service agents until they moved to another state. If you have a complaint, call the Geico 1-800 customer service number at 1-800-270-7847.

Learn More: How to Cancel Geico Auto Insurance

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Geico Claims Reviews

Nobody likes to file an auto insurance claim, but Geico promises to make the claims process as easy and fast as possible. While some companies take weeks to resolve a claim, Geico can complete the process as quickly as 48 hours and issues payouts electronically or by mail, minus your deductible.

You can file a claim with your Geico insurance login or by calling the 24/7 Geico 1-800 number for claims at 1-800-841-3000.

While you’re free to use any mechanic you’d like, you can speed the process up by using Geico’s Auto Repair Xpress tool. This tool will help you locate a mechanic whom Geico partners with to ensure a smooth repair process.

Kalyn Johnson Insurance Claims Support & Sr. Adjuster

Customer reviews for Geico’s claims handling are mixed. Some people are satisfied with Geico’s communication, speediness, and overall handling of their claims.

Other Geico auto insurance reviews say the provider is more interested in closing claims quickly than figuring out what happened.

Geico Insurance Review From Independent Raters

A.M. Best gives auto insurance with Geico a superior score of A++ for its financial security. Check out the table below to see what other independent raters think:

A.M. Best Financial Ratings for the Top Auto Insurance Companies

Insurance CompanyFinancial Rating
American Family TablePress LogoA
Allstate TablePress LogoA+
Auto-Owners Table Press LogoA++
Chubb TablePress LogoA++
Erie TablePress LogoA+
Farmers TablePress LogoA
Geico TablePress LogoA++
Liberty Mutual TablePress LogoA
Nationwide TablePress LogoA+
Progressive TablePress LogoA+
Safeco TablePress LogoA
State Farm TablePress LogoB
The General Tablepress LogoA
The Hanover TablePress LogoA
The Hartford TablePress LogoA+
Travelers TablePress LogoA++
USAA TablePress LogoA++

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Also, Geico insurance reviews from BBB, or the Better Business Bureau, show the company has an A+ rating, though BBB customer reviews aren’t as great.

Geico Insurance Coverage Options

Does Geico offer gap insurance? Unfortunately, one of Geico’s biggest failings is its lack of key policy options, including gap insurance for auto loans.

Geico new car insurance isn’t the best option if you’re financing or leasing a vehicle as it won’t cover what you owe if the car is totaled in an accident or collision.

However, you can buy all the coverage you need to meet your state requirements from Geico, including:

  • Liability Auto Insurance: Liability insurance is required in most states and ensures you can pay for damage you cause in an accident. There are two parts to liability insurance: bodily injury and property damage.
  • Collision Auto Insurance: Liability doesn’t cover damage to your car — for that, you’ll need collision insurance. Collision insurance helps repair your vehicle after an accident, even if you’re at fault.
  • Comprehensive Auto Insurance: Your car can get damaged in a lot of ways outside of accidents. Comprehensive insurance protects against weather, vandalism, animal contact, theft, and fire damage.
  • Personal Injury Protection (PIP): Personal injury protection helps pay for medical bills, lost wages, and other related health care expenses if you get injured in an accident.
  • Uninsured/Underinsured Motorist: Most states require drivers to carry a minimum amount of insurance, but not everyone follows the law. Uninsured/underinsured motorist coverage protects you against drivers with inadequate or no insurance and hit-and-runs.
  • Emergency Roadside Assistance: If you find yourself stranded on the side of the road, Geico’s roadside assistance helps with battery jumps, tire changes, fuel delivery, and other related issues.
  • Rental Car Reimbursement: Although Geico promises fast claims resolution, your car might get stuck in the shop after an accident. Geico will cover a rental car from Enterprise or reimburse you if you go elsewhere.

The coverage you need depends on various factors. For example, if you own an older car outright and need to keep your payment low, your state’s minimum requirement is probably all you need. Full coverage — including liability, comprehensive, collision, uninsured motorist, and PIP — is typically required if you have a car loan or lease.

Geico Auto Insurance Review: Full Coverage Insurance

Another factor you should consider is your location. For example, it might be best to add comprehensive insurance to your plan if you live in a rural area. If you have Geico and hit a deer, you can only file a claim with comprehensive coverage.

Don’t worry about figuring out which insurance you need by yourself — if you’re not entirely sure, call the 1-800 number for Geico customer service (1-800-270-7847).

Geico DriveEasy Review

The average American drives more than 13,000 miles annually, but many people now work from home or cut back on their drive time. So it doesn’t seem fair to pay for a full insurance policy when you’re not driving as many miles.

To meet the needs of low-mileage drivers, Geico offers the DriveEasy program. DriveEasy is a monitoring program that rewards you for good driving behavior and low mileage. It’s available in 25 states plus Washington, D.C. Read our Geico DriveEasy review to see if it’s available in your state.

Geico Auto Insurance Review: Geico DriveEasy Site Screenshot

The DriveEasy program monitors you through the Geico app and looks at the following while you drive:

  • Phone use
  • Hard braking
  • Rapid acceleration
  • Mileage
  • Sharp turns
  • Time of day

Safe drivers can save up to 25% on their Geico insurance quote simply by using DriveEasy. However, drivers who engage in poor behaviors might see their rates increase.

Other Geico Auto Insurance Options

Does Geico have accident forgiveness? Yes, Geico offers accident forgiveness to loyal, claim-free customers. It also has a few other options for car insurance, all of which can add policy value and increase your car’s protection:

  • Rideshare Insurance: Geico rideshare insurance is a hybrid policy replacing your traditional plan. Whether running errands or driving for a rideshare company, your hybrid policy covers you.
  • Mechanical Breakdown Insurance: Mechanical breakdown coverage pays for repairs if your car suffers mechanical issues. It doesn’t cover routine wear and tear, so check before filing a claim.
  • Classic Car Insurance: If you have a vintage vehicle, you need special classic car insurance to protect it. Geico classic car insurance reviews show it offers agreed value and spare parts coverage.
  • Mexican Auto Insurance: American car insurance doesn’t work in Mexico. Geico Mexico insurance will cover your car if you’re planning a trip south of the border.
  • Accident Forgiveness: There are two ways to get Geico accident forgiveness: by buying it or earning it for being a safe driver and loyal Geico customer.

Aside from additional products, Geico also offers policyholders an easy-to-use app, 24/7 access to claims handling and tracking, and representatives always ready to help you.

Learn More: Best Mobile Apps for Auto Insurance

More Types of Insurance Offered by Geico

Geico offers a multi-policy discount when you buy two or more plans. Find out how to save money by bundling insurance policies here.

It’s easy to earn this discount because Geico provides insurance for just about anything you might need, including:

Types of Insurance Offered by Geico

Type
Motorcycle
ATV/UTV
RV
Boat/personal watercraft
Homeowners
Condo
Renters
Mobile home
Landlord
Flood
Life
Travel
Business
Commercial auto
Umbrella

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Geico does relatively well with its insurance products. For example, Geico RV insurance reviews say that rates are low and the claims process is easy.

Though you might not see a specific insurance type above, that doesn’t mean Geico doesn’t cover it. For example, avid cyclists looking to cover sports equipment get Geico bicycle insurance included in their homeowners, condo, or renters policy.

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Geico Insurance Rates Breakdown

How much is Geico insurance? Cheap — around $80/mo. One of the most appealing aspects of Geico auto insurance is the low prices. Geico has the overall lowest monthly car insurance average monthly car insurance rates of any company in most states, except for USAA.

Location is one of the most important aspects of your insurance rates — for example, the average minimum coverage for Geico in Hawaii is $23 a month, while Louisianans will see around $111.

How much is full coverage insurance with Geico? To get an idea of what you might pay, consider how Geico compares to other companies for minimum and full coverage below.

Monthly full coverage insurance costs around $200 in the U.S., but a Geico full coverage auto insurance policy is only $80/mo with a clean record and good credit score.

While rates tend to be low for everyone, drivers with bad credit and young drivers should consider Geico. On the other hand, drivers looking for high-risk auto insurance after an accident or DUI might find better rates elsewhere. Compare Geico auto insurance quotes online to find the best company based on driving record.

Geico Auto Insurance Rates by Age

One critical aspect of how much you’ll pay for insurance is your age. Young drivers are statistically more likely to get into an accident or drive recklessly, so they see much higher rates than adults. Compare auto insurance rates by age.

Geico Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$114$298
Age: 16 Male$125$312
Age: 18 Female$93$220
Age: 18 Male$107$254
Age: 25 Female$36$97
Age: 25 Male$35$93
Age: 30 Female$32$90
Age: 30 Male$32$87
Age: 45 Female$30$80
Age: 45 Male$30$80
Age: 60 Female$28$73
Age: 60 Male$29$74
Age: 65 Female$30$78
Age: 65 Male$30$78

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While some companies heavily penalize young drivers, Geico teen car insurance rates are amongst the lowest. The reason providers charge teen drivers more is due to driving inexperience and a higher likelihood of distracted driving.

Consider the prices below to see how much Geico and other top competitors charge drivers of all ages.

Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

Insurance CompanyAge: 18 FemaleAge: 18 MaleAge: 30 FemaleAge: 30 MaleAge: 45 FemaleAge: 45 MaleAge: 65 FemaleAge: 65 Male
AAA TablePress Logo$328$378$99$103$88$86$86$84
Allstate TablePress Logo$448$519$168$176$162$160$158$157
American Family TablePress Logo$305$414$116$137$115$117$113$114
Cure TablePress Logo$405$461$125$128$114$111$111$109
Farmers TablePress Logo$597$629$160$167$139$139$136$136
Geico TablePress Logo$220$254$90$87$80$80$78$78
Liberty Mutual TablePress Logo$626$626$174$200$171$174$167$170
Mercury TablePress Logo$283$318$87$91$78$77$77$76
Nationwide TablePress Logo$303$387$124$136$113$115$111$112
Progressive TablePress Logo$591$662$131$136$112$105$109$103
Safeco TablePress Logo$253$292$77$79$72$71$71$69
State Farm TablePress Logo$229$284$94$103$86$86$84$84
The Hartford TablePress Logo$407$469$126$133$115$113$112$109
Travelers TablePress Logo$530$740$99$108$98$99$96$97
USAA TablePress Logo$180$203$74$79$59$59$58$57
U.S. Average$416$501$128$139$119$119$117$117

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As you can see, young drivers generally pay higher car insurance rates, while drivers in their 40s and 50s enjoy much lower premiums.

Let’s examine some specific age groups to see how Geico first-time driver insurance rates compare.

Geico Car Insurance Costs for Teens

Auto insurance rates for teenagers tend to be higher than average due to their lack of experience behind the wheel. Check out the table below to compare Geico teen rates vs. other top competitors:

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance CompanyAge: 16 FemaleAge: 16 MaleAge: 18 FemaleAge: 18 Male
Allstate: how to get auto insurance for the first time$608$638$448$519
Elephant: how to get auto insurance for the first time$452$456$333$371
Farmers: how to get auto insurance for the first time$778$742$573$603
Geico: how to get auto insurance for the first time$298$312$220$254
Liberty Mutual: how to get auto insurance for the first time$716$778$528$633
Nationwide: how to get auto insurance for the first time$411$476$303$387
Progressive: how to get auto insurance for the first time$801$814$591$662
State Farm: how to get auto insurance for the first time$311$349$229$284
Travelers: how to get auto insurance for the first time$709$897$523$729

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As you can see, Geico car insurance for an 18-year-old male is over $250, a significant increase compared to adult driver rates. While these rates are expensive, Geico offers the most affordable option for teens.

Geico Car Insurance Costs for Seniors

As drivers age, insurance rates start going down. However, in later years, insurance rates may take a slight upturn. Here’s a look at rates for senior drivers. Find tips for buying senior auto insurance.

Auto Insurance Monthly Rates for Seniors by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
AAA: Cheapest Auto Insurance Companies$33$86
American Family: Cheapest Auto Insurance Companies$43$113
Auto-Owners: Cheapest Auto Insurance Companies$33$87
Erie: Cheapest Auto Insurance Companies$35$90
Farmers: Cheapest Auto Insurance Companies$52$136
Liberty Mutual: Cheapest Auto Insurance Companies$47$120
Nationwide: Cheapest Auto Insurance Companies$41$105
The General: Cheapest Auto Insurance Companies$50$130
The Hartford: Cheapest Auto Insurance Companies$45$135
Travelers: Cheapest Auto Insurance Companies$36$96
U.S. Average$44$115

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Since Geico quotes vary based on age, it’s important to shop for new policies every year to see which is the cheapest or if you need to switch companies.

Geico Auto Insurance Rates by Driving Record

Like age, your driving history also has an effect on your insurance rates. People with clean records pay less than drivers with at-fault accidents, speeding tickets, or DUIs. Now, let’s look at how traffic tickets and accidents can impact your auto insurance rates.

How much does insurance go up after an accident with Geico? As you can see, your rates could go up by 65% after a car accident. Staying safe and keeping your record clean will help keep your car insurance rates low. Find out how a speeding ticket affects your auto insurance rates.

In addition, while Geico still offers relatively low rates to drivers with an accident, other companies might offer a better price. Find out how long an accident affects your auto insurance rates.

Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

Insurance CompanyOne TicketClean Record
AAA TablePress Logo$108$86
Allstate TablePress Logo$188$160
American Family TablePress Logo$136$117
Auto-Owners Table Press Logo$105$87
Elephant TablePress Logo$119$97
Erie TablePress Logo$58$70
Farmers TablePress Logo$173$139
Geico TablePress Logo$106$80
Liberty Mutual TablePress Logo$212$174
Nationwide TablePress Logo$137$115
Progressive TablePress Logo$140$105
State Farm TablePress Logo$96$86
The General Tablepress Logo$277$232
The Hartford TablePress Logo$136$112
Travelers TablePress Logo$134$99
U.S. Average$147$119

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People with an accident on their record may benefit from looking at quotes from State Farm or USAA. However, Geico still offers relatively low rates with a bad driving record. Learn how to find cheap auto insurance after an accident.

Having a DUI on your record is another factor that may cause your insurance rates to go up. Not only will drinking and driving increase your rates, but it will also endanger you, your passengers, other drivers, and pedestrians.

How to Get Geico to Lower Your Rate

If you’re dealing with expensive insurance, there are many ways you can reduce your premiums with Geico, including:

  • Ask for Discounts: Most of the top providers, including Geico, offer discounts to help policyholders lower their car insurance rates. Ask a representative what discounts they offer to save.
  • Increase Your Deductible: A car insurance deductible is the amount you must pay before insurance kicks in. The higher your deductible, the lower your rates. However, don’t increase it to an amount you can’t afford to pay.
  • Drive Safely: Generally, insurers reward safe drivers with lower rates and additional savings. Avoid traffic violations and accidents to get cheaper premiums (Learn More: Best Auto Insurance for Good Drivers).
  • Evaluate Coverages: If your car is older, you could opt to drop certain types of auto insurance coverage, such as comprehensive or collision coverage.

As you can see, you won’t be stuck with lower rates forever with Geico. There are many ways to get affordable Geico rates.

Geico Discounts Available

Geico is well-known for its affordable rates, and one of the ways it offers such low prices is through extensive discounts. Geico auto insurance discounts offer something for just about everyone.

Take a look at Geico auto insurance discounts below:

Geico Auto Insurance Discounts by Savings Amount

Discount NamePotential Savings
Accident Free26%
Air Bags23%
Anti-Lock Brakes5%
Anti-Theft Features25%
Daytime Running Lights1%
Defensive Driving Course15%
Driver's Education10%
Emergency Deployment25%
Federal Employee8%
Good Driver26%
Good Student15%
Multi-Policy25%
Multi-Vehicle25%
Military15%
New Vehicle15%
Seat Belt Use30%

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Some of these discounts are small, while others are more considerable. For instance, drivers who qualify for a multi-vehicle car insurance discount could save 25%. However, you’ll only save around 5% if you have anti-lock brakes.

However, where you live will influence which discounts you qualify for. For example, Geico car insurance in Florida isn’t eligible for loyalty discounts since state law doesn’t allow companies to adjust rates to stop drivers from switching.

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How Geico Ranks Among Providers

Is Geico a good insurance company? Yes, from lower rates to great discount options, Geico has a lot to offer when compared to other insurers.

Geico Auto Insurance Review: Geico Site Screenshot

To find out if it’s the right insurer for you, get Geico quotes and compare policies and prices to the other providers below.

Nationwide vs. Geico Auto Insurance

Geico and Nationwide are similarly rated in many ways, but each company outperforms the other in key areas.

Geico tends to offer lower rates, with the average Geico customer saving nearly $200 a year compared to Nationwide policies.

However, Nationwide is rated higher for customer service, claims handling, and overall customer satisfaction.

Learn More: Nationwide Auto Insurance Review

Progressive vs. Geico Auto Insurance

Is Geico or Progressive better? In most other categories, Geico does better than Progressive. Geico offers better rates, has a better customer experience, and an overall stronger reputation.

Progressive does better in one category – coverage options. While both companies offer much of the same insurance, only Progressive offers gap coverage and custom parts and equipment insurance.

Find the Best Provider for You: Geico vs. Progressive Auto Insurance Review

Allstate vs. Geico Auto Insurance

Geico ratings are better than Allstate in many areas, including claims handling, customer service, and customer renewal rates. Average Geico car insurance costs less Allstate, except for drivers with a DUI on their record. In general, more customers are happy with Geico insurance compared to Allstate.

However, Allstate does better than Geico for its usage-based insurance. Geico DriveEasy is not as user-friendly as Allstate’s Drivewise.

Read More: Geico vs. Allstate Auto Insurance Review

Choose Geico for Affordable Coverage and Reliable Service

Geico car insurance quotes stand out to customers since they’re so low for many drivers. With competitive pricing starting at $80 per month for drivers with a clean record, Geico is the cheapest auto insurance company in America, making it a compelling option for budget-conscious individuals seeking reliable coverage.

There are numerous positive Geico insurance ratings from J.D. Power, A.M. Best, and Better Business Bureau, but it's essential to note that while Geico excels in affordability and customer satisfaction, it may lack certain policy coverages that are available at other insurance companies.

Travis Thompson Licensed Insurance Agent

One notable omission is gap insurance, which can be crucial for individuals with leased or financed vehicles. Despite this limitation, Geico car insurance reviews continue to praise the provider for its streamlined claims process, user-friendly mobile app, and responsive customer service.

 

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The Geico auto insurance customer service commitment to providing excellent service and competitive rates has contributed to their strong Geico rating and solid reputation.

Ultimately, when considering Geico auto insurance ratings, it’s crucial to weigh the affordability against the coverage options and ensure that the policy aligns with your specific requirements. Comparing quotes online and exploring additional coverage options is the only way to guarantee you make the best decision.

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Frequently Asked Questions

Who should buy Geico auto insurance?

Geico is a good option for anyone looking for affordable coverage, especially young drivers and people with low credit scores. However, people with accidents or DUIs might want to look elsewhere.

Learn More: Cheap Auto Insurance After an Accident

Is Geico insurance good?

Yes, Geico ratings and reviews are positive. It has A++ financial ratings from A.M. Best and A+ customer service ratings from Better Business Bureau.

What is Geico’s customer satisfaction rating?

Geico earned an A+ for customer service from the Better Business Bureau, and J.D. Power ranks Geico above average in most regions for customer satisfaction.

Ready to shop around for auto insurance companies with the best customer service? Enter your ZIP code into our free comparison tool below to shop for quotes from the top providers near you.

Who are the biggest Geico competitors?

State Farm and Progressive are its biggest competitors based on rates and policy offerings.

Who is better for auto insurance, Geico or Progressive?

Is Geico cheaper than Progressive? Geico offers much lower auto insurance rates than Progressive but has fewer policy options. Check out our Progressive auto insurance review to learn about this top provider’s large list of coverage options.

Read More: Geico vs. Progressive Auto Insurance Review

Is Allstate or Geico auto insurance better?

Geico customers are more satisfied with their coverage than Allstate customers. Check out our comparison of Allstate vs. Geico auto insurance to pick the best provider for you.

Is Geico or Liberty Mutual better for auto insurance?

Geico auto insurance rates are cheaper than Liberty Mutual, but drivers have more customizable policy options with Liberty Mutual.

Read More: Liberty Mutual Auto Insurance Review

What is Geico’s weakness?

Geico’s biggest downfall is its lack of diverse and customizable policy options.

Does Geico look at credit scores?

If state insurance laws allow, Geico will consider your credit score when checking rates. Understand more about how credit scores affect auto insurance rates here.

How can you file a Geico auto insurance claim?

Wondering how to file an auto insurance claim with Geico? File online, using the mobile app, or by calling the 24/7 claims Geico phone number. Geico will send a payment for your claim via mail or directly deposit it into your bank account.

Will Geico raise my rates after a claim?

That depends on the type of claim. Most Geico comprehensive claims will not raise rates. But if you file a claim after an at-fault accident, you could see a monthly rate increase of $40-$50.

Is Geico good at paying auto insurance claims?

Geico is one of the fastest companies when paying out claims, advertising that it can settle claims as quickly as 48 hours.

How long do Geico auto insurance quotes last?

Geico doesn’t specify how long a quote lasts, but most companies allow you 30 days to decide. Remember that just because a quote is still active doesn’t mean the price will remain the same.

How do you contact Geico auto insurance?

You can visit the Geico website, send an email, or call the customer service number at 1-800-207-7847.

Can you cancel Geico auto insurance online?

You can’t cancel your Geico insurance online. You must call an agent to cancel your policy.

Learn More: How to Cancel Your Geico Auto Insurance

Does Geico charge a cancellation fee?

There is no fee if you decide to cancel Geico auto insurance. Find out more about how to cancel Geico auto insurance here.

How long does Geico take to issue an auto insurance refund?

Refunds for personal checks can take up to 30 days, while credit or debit payments will likely get refunded in one to two weeks.

Can you negotiate auto insurance rates with Geico?

You can’t negotiate auto insurance rates directly with Geico, but you can compare car insurance quotes online from multiple companies to see if Geico is actually your cheapest option. Still wondering where to compare auto insurance rates? All you need to do is enter your ZIP code into our free quote tool below to instantly compare rates from the top providers near you.

Why is Geico insurance so low?

Geico’s direct sales model allows it to sell directly to consumers online, and cuts out the middleman of insurance agents.

What is the Geico car insurance phone number?

The Geico 800 number is 1-800-207-7847.

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Geico

4.11 (19,116 reviews)
0.5
November 12, 2024

Geico SuckIT

Geico review

11/12/24 phone call w/ \" [REDACTED NAME]\" wow. Geico your Customer Service is awful. Not to mention your Rates nearly doubled in less than two (2) years with no changes to driving records. Auto Pay policies to benefit Not the customer, set in stone no changes allowed during your whole renewal term apparently. geez really life happens, people get sick, funds aren\'t deposited correctly and then fees to the customer who was proactive in the entir...
11/12/24 phone call w/ \" [REDACTED NAME]\" wow. Geico your Customer Service is awful. Not to mention your Rates nearly doubled in less than two (2) years with no changes to driving records. Auto Pay policies to benefit Not the customer, set in stone no changes allowed during your whole renewal term apparently. geez really life happens, people get sick, funds aren\'t deposited correctly and then fees to the customer who was proactive in the entire situation. Contacted Geico three (3) times trying to use a different payment account prior to any fee being applied, really, really Geico. Very very disappointing.
0.5
October 31, 2023

Tomer Ravid

GEICO review

GEICO is unpredictable and arbitrary. You\'d need insurance for this insurance, since GEICO is unable or unwilling to provide the most important function of insurance: certainty. They cancelled my new auto insurance for no reason other than their own incompetence. Long story short: I paid the policy in full. While on a vacation with my family, I opened GEICO app and was surprised to find that my policy is scheduled to be cancelled. When I cam...
GEICO is unpredictable and arbitrary. You\'d need insurance for this insurance, since GEICO is unable or unwilling to provide the most important function of insurance: certainty. They cancelled my new auto insurance for no reason other than their own incompetence. Long story short: I paid the policy in full. While on a vacation with my family, I opened GEICO app and was surprised to find that my policy is scheduled to be cancelled. When I came back home I found a letter saying that I have eight days from the 5th of October to send them documents (only accepted by postal mail, even though every document was a copy) or my insurance would be cancelled. In fact the letter was delivered *about 8 days after the 5th of October* (again, delivered while I was not home). At no earlier point had I been informed that these documents were required, and GEICO made no attempt to contact me by phone call, text message or Email. In fact, had I not checked the app and stayed on vacation for longer, I might have ended up driving without insurance unwittingly. I called GEICO multiple times. They consistently assured me that if I sent the correct documents before the fast-approaching cancellation date, my policy would continue. So I sent all the documents they requested by priority mail. In spite of the supposed urgency they were attempting to convey, it took them six days after receiving the documents to start reviewing them (with no way to contact the underwriting department or confirm that they had recieved them). It took five more days for the final review because of their own confusion about what was clearly included in the documents I\'d sent them. Two days before the deadline, I find out by calling them (without any notification on their part) that, in fact, my policy will be cancelled. The reason is that I had no prior insurance, which they claimed was contrary to my statements. This is 100% false and can be refuted by recorded calls to customer service in which I stated that GEICO was my first insurance, and by the fact that they don\'t have the name of my previous insurance company and the coverage limits (required information when you register online if you state that you\'ve been insured). GEICO had zero interest in checking the evidence or compensating me, and there was no way to appeal. Price I have to pay for GEICO\'s incompetence: Having to find new insurance in two days (which was hard in the first place since I have no driving record in the US), possibly higher rates because of the cancellation on my record. If it happened to me, it must have happened to thousands of other customers in the country, as confirmed by a large fraction of GEICO\'S customer reviews online. So the chance that it will happen to you is non-negligible.
1
January 3, 2022

Volodymyr_Korolevych

Adjuster stopped responding

Cant get ahold of anyone. Always different people giving me different numbers. No resolution Mr [REDACTED NAME], claim adjuster stopped responding to my requests without any resolution. Also not picking up my phone
1
May 17, 2021

Sergei_K

Can't get rid of them

From my personal experience, GEICO is the best place if you want to be fooled. Once you open the door, you can't get rid of them. About a year ago I canceled my policy ceasing any dealings with Geico. I paid the premiums in full and closed my account. Throughout the year, I've been a happy StateFarm customer. Several weeks ago, Geico unilaterally opened my policy forcing me to pay premiums for the following 6 months. Understanding that it could b...
From my personal experience, GEICO is the best place if you want to be fooled. Once you open the door, you can't get rid of them. About a year ago I canceled my policy ceasing any dealings with Geico. I paid the premiums in full and closed my account. Throughout the year, I've been a happy StateFarm customer. Several weeks ago, Geico unilaterally opened my policy forcing me to pay premiums for the following 6 months. Understanding that it could be a mistake, I contacted them 3 times. I talked to 6 different people. All of them promised to help me. I wrote 2 emails attaching copies of my StateFarm Id's for the entire period (after Geico policy cancellation). It didn't cure the problem. Moreover, Geico retroactively and unilaterally (without my desire, knowledge, and consent) reopened the policy. Now, they force me to pay for the previous months (last year). Geico supervisor [REDACTED NAME] claims that he obtains sufficient evidence that I hadn't been insured after I officially broke with Geico in April-May 2020 = the company is right demanding me to pay for nothing. From my non-legal understanding, it's a fraud, He knowingly (I sent them StateFarm Id's for the entire period) mispresents the facts unlawfully demanding payment.
1
February 10, 2021

vscore16

BAIT AND SWITCH

They waited 60 days and then doubled my rate. they never notified me. When I looked it up they said it was due to the agent putting it in as a sports bus, and since I am using it for sales my rate is double. yes on their letter they sent me it shows right on it that the old use is class "C" and the new use is class "C". The reviews on geicos website are fake. real reviews are much more negative. They lie in their commercials about saving money s...
They waited 60 days and then doubled my rate. they never notified me. When I looked it up they said it was due to the agent putting it in as a sports bus, and since I am using it for sales my rate is double. yes on their letter they sent me it shows right on it that the old use is class "C" and the new use is class "C". The reviews on geicos website are fake. real reviews are much more negative. They lie in their commercials about saving money so why would I not expect them to lie about the rate they are giving me. I am no risk adjuster but any halfway intelligent person knows their is a lot more risk for a bus full of athletes that ways 20,000 pounds than a minivan with one person in it. Yet according to geico insuring a moving tank is cheaper than insuring a minivan. Would you believe that? I am not that gullible. Bait and switch all the way.
5
February 3, 2021

Trinidad2_

geico is the best

great company with fantastic customer service they lowered my cost due to covid with no issues and they are always a phoen call away fo r help wiht my policy, i wholeheartedly reccomend them
2
February 3, 2021

Jotwox

Not recommend

They were alright not the best. If they put in more effort into the customers they could’ve kept me.
5
February 2, 2021

Waycross43_

Helpful

Geico has been great during the pandemic. They have worked with me changing billing dates based on what I need. They have helped me save 212 dollars a month on insurance.
5
February 1, 2021

Babanana

Geico is amazing

My experience receiving auto insurance from Geico has been extremely positive. The insurance process was perfectly smooth and I have all my insurance information neatly organized at the tip of my fingers on my mobile phone. The coverage and premiums are much better than I received from my previous provider.
2
February 1, 2021

Justin_Kim

Filing a claim at geico

They were very nice and had good customer service. Once I even filed a claim and they got back to me within seventy-four hours.
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