Geico vs. The General: Which provider is better?

Geico vs. The General: Which provider is better?

Geico vs. The General

If you need car insurance, you might be considering Geico and The General. Both companies have their strengths and weaknesses. The General gets an A+ from the Better Business Bureau and is known for providing insurance to high-risk drivers.

Geico offers many discounts in an effort to bring down the cost of your insurance and has an innovative app that you can use to view your policy, submit a claim or even find the cheapest gas in your area.

Having a hard time deciding between the two? We’ve lined up Geico and The General in a side-by-side comparison so you can choose the one that best suits your needs.

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GeicoGeicoThe GeneralThe General
AboutGeico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.The General specializes in budget-friendly insurance plans for drivers who may be deemed “risky” elsewhere. Conveniently selling directly to customers online, insurance can be approved and put a driver on the road in no time.
PricePolicy costs depend your personal situation. Visit Geico for a quote based on your specific needs.Policy costs depend your personal situation. Visit The General for a quote based on your specific needs.
States servedAll 50 states46
User satisfaction*N/AA+
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

GeicoGeicoThe GeneralThe General
Good student15% (full-time student, between 16-24 and B average or better)No
Defensive driverYesNo
Good driverUp to 26% (5 years accident-free) No
Pay in full discountNoYes
Multi carUp to 25%No
MilitaryUp to 15% (active duty, retired of member of the National guard or Reserves)No
HomeownerNoNo
Other discounts
  • Federal employee – Up to 8%
  • Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)
  • Multi-policy / Multi-line discount – Varies
  • Membership and employee discount – Varies
  • Seat belt use – 15% (medical payments or personal injury portion of premium)

Vehicle discounts

GeicoGeicoThe GeneralThe General
Anti-theft deviceUp to 25% (comprehensive portion of premium)No
Anti-lock brake5% (collision portion of premium)No
Passive restraintsN/ANo
Air bagUp to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)No
Other discounts

Bottom line

Geico offers far more discounts than The General, but The General provides insurance to high-risk drivers who might be having a hard time getting coverage otherwise.

Find the cheapest rate near you

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

Your information is secure.

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