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Geico car insurance review 2024

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Finder score
Roadside assistance
New car protection
Accident forgiveness


Get some of the cheapest rates around, but expect average customer service.'s rating: 4 / 5


Bottom line: Geico offers some of the lowest rates for most drivers and has a smooth online experience if you know what you need, but don't expect personalized support.


  • Tons of discounts
  • Innovative mobile app
  • Easy repair process
  • Above average customer satisfaction ratings


  • Claims typically handled online only
  • Fewer local agents than competitors
  • No gap coverage available

In this guide

  • Review
  • Details
    • Product details
    • Discounts
  • Your reviews
  • Ask a question


Product details

States served All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone, Agent
Rideshare coverage Yes
SR-22 support Yes


Anti-theft device discount Yes, up to 25%
Bundling discount Varies
Defensive driving discount Yes, Varies by state
Good student discount Yes, up to 15%
Loyalty discount Yes, up to 30%
Homeowner discount No
Military discount Yes, up to 15%
Safety device discount Yes, up to 15%
Special employment discount Yes
Usage-based discount No
Other discounts Seat belt use, up to 15% discount

Get the cheapest quotes for your car

Compare providers in your area.

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.'s rating: 4 / 5


CategoryOur ratingWhy we gave this score
Coverage★★★★★ 5/5Geico goes beyond what competitors offer, including options for accident forgiveness, rideshare insurance, and more.
Discounts★★★★★ 4/5It offers a variety of discounts to lower premiums, such as for taking a defensive driving course, bundling policies and different vehicle safety features.
Customer service★★★★★ 3.6/5The company sees high J.D. Power and Better Business Bureau scores. However, it gets low customer ratings on Trustpilot and an average number of complaints filed with the National Association of Insurance Commissioners (NAIC).
Financial strength★★★★★ 5/5It receives an A++ financial rating from AM Best, which shows that it has the finances to pay your claims.
Best of 2021
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.

CaliforniaNew YorkTexas
18 year old man$212$990$167
18 year old woman$222$639$146
25 year old man$78$430$71
25 year old woman$78$346$64
35 year old man$40$258$57
35 year old woman$40$253$76
45 year old man$38$252$57
45 year old woman$40$252$76
56 year old man$37$258$54
56 year old woman$37$252$73

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.

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    Overall, customers don’t have the best experience with the app, rating it with 2.2 out of 5 stars on Google Play and 2.3 of 5 stars on the Apple Store.Geico also doesn’t give details about how much you can save. Since the company is known for its low rates already, you might think of your DriveEasy discount as a bonus.

    However, your premium could go up in some states if you don’t drive safely.

    Since you’re giving Geico permission to collect your driving data, you’ll want to review its privacy policy to make sure you understand it’s using your data.

    Geico may use your data to set your premium, improve its service, investigate claims or for research or marketing purposes.

    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.

    AM Best financial ratingA++
    BBB accreditedNo
    BBB ratingA+
    Trustpilot score1.5/5 out of 228 customer reviews
    Customer reviews verified as ofApril 2022

    Case study: Roslyn's experience

    Roslyn McKenna profile photo
    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 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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    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:

    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Lousiana
    • Maine
    • Maryland
    • Massachusetts
    • Minnesota
    • Mississippi
    • Missouri
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin

      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:

      Ready to get insured?

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

      Need help? Talk to a customer specialist


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