Geico car insurance review 2024

What we think of car Geico insurance

If you’re looking for a cheap policy and an intuitive online experience, get a quote from Geico. It offers some of the cheapest rates around, and its steep discounts for insuring multiple cars or having a clean record help you save even more.

Some of its best features include its website and streamlined app. These online services let you handle signing up, getting your ID cards, filing a claim and uploading any photos of accident damage.

But if you’re after personalized help with an agent or having a face-to-face conversation, you can find higher-rated customer service. Geico has average customer service and sees mixed online reviews about its billing and claims process.

Overall, Geico works best if you’re comparing the cheapest rates and enjoy managing your policy and claims process online.

finder.com's rating: 4.5 / 5

★★★★★

Finder experts pick Geico as a 2021 best brand for car insurance.

Geico car insurance quotes

Geico’s known for its low rates, but that all depends on where you live and your driving record. In some areas, you might find cheaper insurance from a small, local insurer.

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • Single
  • Good credit
  • Sedan
  • State minimum
  • Currently insured

How to get a free quote for Geico car insurance

Many customers use Geico’s online quote tool to get a quote, choose coverage and start a policy. But you can apply for auto insurance coverage by finding an agent near you through the website or by calling 800-207-7847.

Your steps to apply with Geico:

1. From Geico’s website, enter your ZIP code to start a quote.
2. Fill in your personal and car details, including your name, address and car’s make and model.
3. Fill in driver information, including full name, Social Security number and employment information.
4. Review all details, enter your contact information, then choose Get your quote.
5. If you’re satisfied with the policy options, select Continue to purchase.
6. Enter policy start date, confirm info and hit Next.
7. Enter payment details and finalize your purchase.

What discounts can I get with Geico?

Geico’s generous car insurance discounts help make its prices competitive, including a 25% discount each for having no claims or insuring multiple vehicles. However, not all discounts are available everywhere.

• Affinity member. Members of over 500 organizations like the Navy Federal Credit Union can receive discounted rates.
• Driver safety course. Receive discounts for the completion of a defensive driving course.
• Federal employee. Discounts and lower rates for current or former government employees.
• Good driver. Save up to 25% if you have a clean driving record for the past five years.
• Good student. Save up to 15% if you’re a student with a B average or better.
• Low mileage. While not a separate discount, you get a lower rate the less you drive.
• Military. Special discounts and premium reductions for service members.
• Multipolicy. Save when you have multiple insurance policies with Geico.
• Multivehicle. Receive a discount when you insure multiple vehicles on the same policy.
• Safe car. Receive up to 40% off if your vehicle is equipped with safety equipment.
• Senior. Special rates and renewal privileges for drivers over 50 with clean driving records.

What extra perks does Geico offer?

Geico offers special programs that add value to your policy by boosting coverage, support or saving you money. For example, accident forgiveness helps to save you from rate hikes.

• 24-hour service. Contact a Geico representative 24/7 by phone, online or through the app.
• Accident forgiveness. Buy this perk or earn it after five years and your premiums won’t go up after your first at-fault accident, except in California, Connecticut or Massachusetts.
• Car buying service. Save money with Geico’s certified dealer network and online tool to help you compare prices and specs.
• Geico mobile app. Get quick access to your digital insurance ID cards, emergency roadside assistance and virtual assistants. Plus, easily submit photos of your vehicle’s damage during a claim — all from an app that sees nearly five-star ratings from hundreds of thousands of app store reviews.
• Guaranteed repairs. Get a lifetime guarantee on repairs through Geico’s Auto Repair Xpress network of auto body shops.

Our review of Geico DriveEasy

Geico DriveEasy is a telematics car insurance program, which tracks your driving through its app and gives a discount based on how safely you drive.

How DriveEasy scores your driving

You’ll need to focus on several areas to drive safely with DriveEasy, including:

• Braking — Avoiding hard slowdowns and stops
• Cornering — Slowing down around corners
• Mileage — The number of miles you drive in each trip
• Road conditions — Whether you drive on curvy backroads or straight highways
• Smoothness — How much you change speeds and how quickly
• Time of day — Whether you drive during risky times, like late nights on the weekend
• Using your phone — Avoiding in-hand phone calls, texts or other actions
• Weather — Limiting trips when the weather isn’t ideal, like rain, snow or sleet

Geico car insurance reviews and complaints

While Geico isn’t accredited with the Better Business Bureau (BBB), it holds an A+ rating. However, it has over 2,800 customer complaints filed with the BBB. Customers complain about problems with billing like unexpected charges, as well as denied claims and unsolicited advertising.

Also, Geico scores 832 out of 1,000 points in the 2020 claims satisfaction study by J.D. Power, which is right at the national average. These reviews and ratings suggest an average claims experience.

On the positive side, Geico ranks in the top five insurers for customer satisfaction, based on J.D. Power’s auto insurance satisfaction study. J.D. Power is of the most reputable rating agencies around. Plus, Geico holds a 0.79 complaint score for private auto policies from the 2020 National Association of Insurance Commissioners (NAIC) complaint index. The national score is 1.00, and anything less than 1.00 shows that Geico is dealing with customer issues properly.

Our star ratings for Geico, explained

Finder’s car insurance experts rated Geico with 4 out of 5 stars for its well-rounded coverage, low pricing for many drivers and its high BBB score and AM Best financial ratings. These ratings show that Geico takes care of complaints in a timely manner and has the finances to back up your claims. However, customer ratings slightly pulled down its overall rating.

Case study: Roslyn's experience

Roslyn McKenna

Insurance Publisher

I switched to Geico car insurance when we moved out of state and our local insurer was no longer available near us.

My husband and I had a joint policy with Erie for $1,244 a year for 100/300/100 more info button coverage with collision and comprehensive on a 2016 Ford C-Max and a 2011 Toyota Prius.

Geico gave us a quote of $691 a year for the same coverage but without collision and comprehensive on the Prius. That rate dropped to $547 when we added Geico renters insurance underwritten by Assurant, and I’m able to manage everything together online.

Getting an online quote is long and difficult, but Geico lets you save your quote and come back later. You can tweak your quote and compare policies side by side, which makes it easy to see how much extra coverage you can buy. The online policy management is also easier than other companies’ websites I’ve used.

Compare alternatives to Geico

If you want the cheapest price for well-rounded coverage, a quote from Progressive is worth your while. Progressive is known for its wide coverage, long list of discounts and options galore for bundling other kinds of insurance.

Another contender for cheap premiums is USAA, which consistently rivals Geico in our research for the lowest car insurance rates. USAA also rises to the top for customer satisfaction, offering its rates and service to military members and their families.

If you’re up for trying a new kind of policy, you could go for Allstate’s Drivewise program — which tracks how safely you drive and rewards you with cashback every six months. Consider these companies’ coverage, benefits and cost compared to others in the table, then select Get quotes to see your customized policy.

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Name	Product USFCI	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
Pretected		Varies by provider	Depends on provider	Varies by provider	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Go to siteMore Info Compare	loading Fetching your data...
GoodRatesFinder		Depends on provider	Depends on provider	Depends on provider	Depends on provider	All 50 states & DC	Compare Between Top Carriers And Start Saving.	Go to site Compare	loading Fetching your data...
AutoQuoteCenter		Depends on provider	Depends on provider	Depends on provider	Depends on provider	All 50 states & DC	The AutoQuoteCenter platform makes sure you are presented with the top options in one place.	Go to site Compare	loading Fetching your data...
GoCarQuotes		Depends on provider	Depends on provider	Depends on provider	Depends on provider	All 50 states & DC	A smart matching engine will sift through thousands of possible insurance policies and only present you with relevant and valid options.	Go to site Compare	loading Fetching your data...
BestPolicyRate		Depends on provider	Depends on provider	Depends on provider	Depends on provider	All 50 states & DC	Choose the specific policy that suits you the most from a list of matching policies.	Go to site Compare	loading Fetching your data...

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What car insurance coverage can I get from Geico?

Geico offers a wide lineup of auto insurance options. That means you can get basic coverage or add extras like rideshare coverage that not every company provides.

• Bodily injury liability. Provides protection if you injure someone while operating your car.
• Collision. Pays for damage to your car when you collide with another car or object.
• Comprehensive. Pays for car repairs and replacement from incidents other than a collision, such as fire, theft or falling objects.
• Emergency roadside service. Helps when your car breaks down and needs roadside repairs, like dead batteries, labor to change flat tires, lockouts up to $100 and towing.
• Mechanical breakdown. Covers repairs to your car’s mechanical parts after your warranty expires, except issues caused by improper maintenance or wear and tear.
• Medical payments. Pays for the medical expenses of the injured driver and passengers in your car.
• Nonowner coverage. You can get coverage for a vehicle you drive but don’t own.
• Property damage liability. Protects you if your car damages someone else’s property.
• Rental reimbursement. Covers the cost of a rental car while yours is being repaired.
• Rideshare coverage. Get one policy covering you for personal use and for driving for rideshare companies like Uber or Lyft.
• Uninsured motorists. Pays for your injuries caused by an uninsured driver.

How do I find a Geico insurance agent near me?

Find a Geico agent by searching its website and then contacting the agent by phone or through an office visit. To use the agent locator:

1. From Geico’s contact info page, scroll to the bottom to choose the Find a Local Agent link.
2. Enter your ZIP code, then view the agents near you.
3. Select the map or scroll through the list to find the agent’s contact information.
4. Call your chosen agent or visit the address listed.

Local Geico agents by state

Find a Geico office near you in over 40 states with office locations. Those states include:

How does Geico bundling work?

Geico is known for steep savings when bundling, though discounts differ based on which policies you bundle. Get a discount for bundling these policies with your car insurance:

• Motorcycle
• RV
• Homeowners
• Renters

Ready to get insured?

Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.

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