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Geico car insurance review 2021

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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.


Roadside assistance

New car protection

Accident forgiveness


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


  • 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
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

Review by

Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

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.

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

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 click Get your quote.
  5. If you’re satisfied with the policy options, select Continue to purchase.
  6. Enter policy start date, confirm info and tap 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 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.

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 5-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.

Geico car insurance reviews and complaints

While Geico isn’t accredited with the Better Business Bureau (BBB), it holds an A+ rating as of April 2021. 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 871 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 from the 2020 National Association of Insurance Commissioners (NAIC) complaint index for private passenger vehicles. The national score is 1.00, which shows that Geico is dealing with customer issues properly.

Other comparison websites like NerdWallet, ValuePenguin and The Simple Dollar note that Geico’s complaints are about average for its size, and its low rates and digital experience make it a top contender.

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

See how Geico stands up to other companies’ coverage and benefits. Check the Compare box to view companies side by side.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
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Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

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How do I find a Geico insurance agent near me?

You can 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 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 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

    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


    Frequently asked questions about Geico car insurance

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