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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.
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.
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To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
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 comprehensive coverage.
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.
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.
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, as 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.
Visit the Geico website and enter your ZIP code to start a quote.
Fill in your personal information (name, address, etc.).
Enter your vehicle information (make, model, mileage, etc.).
Enter driver information (name, SSN, employment info, etc.).
Review all details, enter your contact information, then click “Get your quote.”
If you’re satisfied with the policy options, click “Continue to purchase.”
Enter policy start date, confirm contact info, then click “Next.”
While Geico isn’t officially accredited on the BBB website, it does hold a B+ rating. Despite its favorable rating, there are a number of customer complaints — over 3,000 to be exact. Customers express frustration with billing issues, denied claims and unsolicited advertising.
With that being said, this provider ranks highly for overall satisfaction, price and policy offerings with JD Power — one of the most reputable ratings agencies around.
Keep in mind that many customers will only go online to rant or rave, meaning that customers who are generally satisfied with the service may not bother to leave a review.
Case study: Roslyn’s experience
Car 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.
I loved Geico’s quote process overall. 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 also starts at the state minimum requirements so you won’t be underinsured.
Geico offers low rates and discounts for just about anyone out there 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.
Frequently asked questions about Geico car insurance
Yes. You can either make a one-time payment with a debit or credit card or set up automatic monthly withdrawals from your checking account. You can pay on the website or through the app.
Yes. You’ll be mailed a card to keep in your wallet, but you may also access all of your info through the app.
Yes. By using the “Easy Estimate” feature in the app, you can snap a picture of any damage to your car and instantly send it along to a claims specialist. From there, they’ll guide you toward the next steps.
Holding true to its commitment to convenience, Geico makes it easy to file auto insurance claims. You can start your claim online or by mobile app, and the process only takes about five minutes. Here’s how to get started:
Visit the Geico website, scroll down to Claims center and click Report an incident.
If you’re the policy owner, select My Geico Policy. If not, select Someone else’s policy.
Fill in policy owner information — name, policy number — then click Continue.
Enter all necessary information, such as names, vehicles and incident details.
Submit your claim. If you’re a Geico policyholder, you’ll be able to monitor your claim by logging into your account. If not, expect to hear back from a representative in the following days or weeks.
Geico claims that the average customer can save 15% on their car insurance, and online reviews seem to back that claim up. Safe drivers and good students stand to save the most.
Yes, Geico states the average customer reports a savings of 15%, and sites like BBB confirm, with many users reporting savings of $200 a year.
We started with 2018 and 2017 J.D. Power ratings across 11 states and regions, which ranks companies based on customer satisfaction, policy options, price, billing, claims, and support.
Then we compared 2016 and 2017 Consumer Reports ratings. We included data from 2014 if no data was available for 2017 for a more comprehensive picture.
We weighted each source depending on its relevancy and freshness, then averaged ratings across states and regions to get a national score.
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