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Geico car insurance review Sep 2020

Last updated:  

Find some of the biggest discounts you can get and overall cheap rates

finder.com's rating: 4 / 5

★★★★★

  • Get a quote if you want a streamlined quote and claims process.
  • Pick something else if you want personalized customer service.
  • Cost-conscious drivers will like the many discounts.

optional

Roadside assistance

New car protection

Accident forgiveness

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

Pros

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process

Cons

  • Low online customer service reviews
  • Claims typically handled online only
Anti-theft device discount Yes, up to 25%
Bundling discount Varies
Defensive driving discount Varies
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

Expert review

Jing Jun Ma

Review by


Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

Expert review

If you’re looking for a cheap provider and quick coverage, get a quote from Geico. It offers low rates and a variety of discounts for just about any driver. Plus, its website and streamlined app allow you to handle anything from signing up to filing a claim online.

But if personalized help with an assigned agent and the ability to have a face-to-face conversation is what you’re after, you’ll want to look elsewhere. Geico gets poor reviews for customer service, and claims are easier to file online without the help of an agent.

Best of 2020
Finder experts pick Geico as a 2020 best brand for car insurance.

Geico car insurance quotes

Geico’s known for its low rates, but that all depends on where you live. In some areas, you might find cheaper insurance from a smaller 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 apply for Geico car insurance

Applying for auto insurance coverage with Geico is easy, and can be done in person, by phone or online. Here’s how to get started:

In person

Geico has a network of local agents and regional offices to accommodate its customers. If you prefer to apply for coverage in person, visit the Geico website to locate your nearest agent.

By phone

You can also apply for coverage by phone anytime. Agents are available 24/7, 365 days a year. Simply call 800-207-7847 to speak with an agent.

Online

Applying for coverage online is easy, and should only take about half an hour.

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

How do I find a Geico insurance agent near me?

You can find a Geico by searching online 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 click the Find a Local Agent link.
  2. Enter your ZIP code, then view the agents near you.
  3. Click on the map or scroll through the list to find the agent’s contact information.
  4. Call your chosen agent or visit in person at the address listed.

Local Geico agents by state

You can 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

What car insurance coverage can I get from Geico?

Geico offers a strong lineup of auto insurance, with policy options ranging from state minimums to everything you need to build a full-coverage policy.

  • 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 resulting from incidents other than collision.
  • Emergency roadside service. Helps when your car breaks down and you’re in need of roadside repairs.
  • Mechanical breakdown. Covers the cost of all mechanical repairs made to your car after your warranty expires.
  • 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.
  • Roadside assistance. Get help if you encounter a flat tire, lock yourself out of your vehicle and more.
  • Uninsured motorists. Pays for your injuries caused by an uninsured driver.

What extra benefits and add-ons does Geico offer?

Geico offers a selection of special programs to accommodate its customers, though not all perks are available to all customers in all states. Here’s what you can expect if you choose Geico for auto insurance:

  • 24-hour service. Get in touch with a Geico representative with 24/7 assistance by phone, online and through the app.
  • Accident forgiveness. Purchase this perk or earn it after five years and your premiums won’t go up after your first at-fault accident.
  • Car buying service. Save money with Geico’s certified dealer network and online tool to help you compare prices and specs.
  • Guaranteed repairs. Get help from a Geico representative and guaranteed repairs through one of Geico’s certified repair shops.
  • Mobile app. Geico’s mobile app features proof of insurance, a virtual assistant, bill pay and more.

What discounts can I get with Geico?

Geico’s generous car insurance discounts help make its prices extremely competitive. Discounts may not be available everywhere, so be sure to check with an agent when you get a quote.

  • Affinity member. Members of over 500 organizations can receive discounted rates, such as members of Navy Federal Credit Union.
  • Driver safety course. Receive discounts for the completion of a defensive driving course.
  • Federal employee discount. Discounts and premium reductions 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 on your policy details, you’ll 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 discount. Special rates and renewal privileges for drivers over 50 with clean driving records.

How does Geico bundling work?

Geico offers standard options for bundling car insurance with other policies. Discounts vary based on which policies you bundle, but Geico is known for its steep savings and cheap policies overall. You can receive 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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More Geico insurance guides

Pros and cons of Geico car insurance

Pros

  • Many standard discounts. The insurer claims that it saves drivers more than $500 a year when they switch to Geico.
  • Innovative mobile app. Use it to view your policy, submit a claim or even find the cheapest gas in your area.
  • Easy repair process. If your car requires repairs after a collision, a claim adjuster will connect with you to explain the repair process and answer your questions.

Cons

  • 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.

Compare alternatives to Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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More alternatives to Geico

Who has better insurance than Geico?

Geico reviews and complaints

While Geico isn’t officially accredited on the Better Business Bureau website, it does hold an A+ rating as of February 2020. Despite its favorable rating, there are well over 3,000 customer complaints. Customers express frustration with billing issues, denied claims and unsolicited advertising.

However, this insurer ranks above average for overall satisfaction, price and policy offerings with J.D. Power — one of the most reputable ratings agencies around.

Other comparison websites like NerdWallet, ValuePenguin and The Simple Dollar note its complaints are about average for such a big company, and its low rates and digital experience make it a top contender.

Geico review: Roslyn’s experience

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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 quote tool starts at the state minimum requirements so you won’t be underinsured. The online policy management is also easier than other companies’ websites I’ve used.

Frequently asked questions about Geico car insurance

Car insurance ratings

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★★★★★ — Poor

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2 Comments

  1. Default Gravatar
    GT
    February 26, 2018

    My present NJ car insurance policy expires on Mar 13, 2018 at 12:01 am. I purchased a new policy from a differnt insurer and accidently put in Mar 16, 2018 at 12:01 am as the starting date. I called the insuance company about this and they said they cannot change the start date. Will I be OK in NJ if i do not drive my car for the three days without insurance? Thanks!

    • Default Gravatar
      Andy
      February 28, 2018

      Hi there — thank you for reaching out to the finder team!

      The short answer is you should never be without car insurance if you own a registered and licensed car — that’s the law in New Jersey. However, since you’re not driving it during the lapse and since this is such a short period of time, you probably don’t have to worry about a collision or accident. But you won’t be protected if someone hits your parked car or if your garage floods.

      It’s worth asking both your new provider and your old provider if either would be willing to prorate — which means to charge you at a similar daily rate to what you were paying before — for an extra few days of coverage to protect you during this small lapse. After all, you’re a paying customer, and someone may be able to work with you.

      You can also look into short-term car insurance coverage. This way you’re covered if you do need to drive the car during that span — say, during an emergency. A few established providers offer this kind of coverage, including Geico, Progressive, and Allstate. To learn more about temporary car insurance, you can check out our guide.

      We hope this information was helpful and that you have everything you need. If not, we encourage you to contact us again or talk to your provider to clear up any remaining questions.

      Cheers!
      Andy

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