Geico car insurance review |
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Geico car insurance review February 2018

Car insurance is among the more frustrating things to shop for. Terms are confusing, every company says they have the best deal and — let’s face it — it’s no fun to buy something you hope you’ll never use.

As the nation’s second-largest auto insurance company, Geico streamlines the process of purchasing comprehensive car insurance for your peace of mind. But that ease may come with weaker, less personalized customer service.

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History of Geico auto insurance

Geico began in 1936, when a husband-and-wife team founded the Government Employee Insurance Co. Today it’s a public car insurance provider that’s part of Warren Buffet’s investment portfolio. It’s recently ventured into the car repair business and, of course, runs memorable TV ads featuring the Geico gecko.

Pros and cons


  • Many standard discounts. The provider claims that it saves drivers more than $500 a year when they switch to Geico — often in 15 minutes or less.
  • Innovative mobile app. Use it to view your policy, submit a claim or even find the cheapest gas in your area with its Fuel Finder.
  • Easy repair process. If your car requires repairs after a collision, Auto Repair Xpress includes a claim adjuster that explains the repair process and answers your questions.


  • Low online customer service reviews. Savings can come at a cost, usually in the form of customer service — Geico sells policies direct to consumers and is thought to invest in advertising rather than staff.
  • Claims typically handled online. You’re encouraged to submit claims through the website or app, which may be an issue if you prefer face-to-face service.

What car insurance coverage does Geico offer?

Geico offers complete basic coverage that meets the minimum coverage in all 50 states and Washington, DC.

  • Bodily injury liability. Provides protection if you injure someone while operating your car. Bodily injury liability covers injury to people, not to your vehicle.
  • Medical payments, no-fault or personal injury protection coverage. Pays for the medical expenses of the injured driver and passengers in your car.
  • Uninsured motorists’ coverage. Pays for your injuries caused by an uninsured driver.
  • Comprehensive physical damage coverage. Pays for losses resulting from incidents other than collision.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another vehicle or other object.
  • Property damage liability. Protects you if your car damages someone else’s property
  • Emergency roadside service. Helps when your car breaks down and you’re in need of roadside repairs.
  • Rental reimbursement. Covers the cost of a rental car while yours is being repaired.
  • Mechanical breakdown insurance. Covers the cost of all mechanical repairs made to your car after your warranty expires.

Does Geico offer any other types of insurance?

Geico insures anything you can think of — RVs, boats, pets, jewelry and even identity theft.

It also covers landlord–tenant relationships, commercial fleets and drivers who are part of ride-sharing programs like Lyft and Uber.

How does Geico compare?

Bottom line

Geico offers low rates and discounts for just about any person out there driving through its easy-to-use website and app. But if personalized customer service is important to you, you may be best served by another, perhaps local provider.

Car insurance rates and discounts vary based on many factors. Find the best deal for your money and situation by comparing the range of providers available to you.

Find the cheapest provider near you

Enter your ZIP code below and click Compare Now to find the best rate near you.

Your information is secure.

Frequently asked questions about Geico

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