Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Geico DriveEasy review

Safe drivers may save up to 25% but with no enrollment discount and the possibility of rates increasing.

Pros

  • GEICO administers DriveEasy through its highly-rated mobile app.
  • Drivers could save up to 25% by sharing their data.
  • Enrolling is straightforward and the app is easy to use.

Cons

  • Your rates may go up if your driving habits indicate you’re a higher-risk driver, depending on your state.
  • GEICO doesn’t offer an initial discount for signing up, which most of its competitors do.
  • DriveEasy isn’t available in every state.
No reviews yet. Write a review

Our take on Geico’s DriveEasy program

Telematics measures and records your driving habits to determine if you’re eligible for a discount or lower car insurance rate. Geico’s DriveEasy program offers a discount up to 25% if your driving habits warrant it.

However, it can mean an increase in rates if the app considers you a higher-risk driver. Not every competitor’s telematics program has this risk, so consider other options if you’re concerned about getting a poor driving score. Geico won’t cancel your policy or refuse renewal based on your driving score alone, though.

Customers can unenroll from the program at any time, but if Geico has already applied your telematics score to your rating it remains on your policy.

With no initial enrollment discount and its middle-of-the-road discount level of 25%, Geico’s DriveEasy program is adequate but doesn’t impress as much as some of its competitors. Compare pay-as-you-go car insurance to find the best policy for your needs.

How Geico’s DriveEasy program works

Geico’s DriveEasy program runs through its mobile app. Once you’ve downloaded and enrolled in the app, staying logged in means DriveEasy tracks your trips for you. View your trips in the app dashboard and make changes if needed — for example if it tracked you while you weren’t driving.

The DriveEasy program tracks your mobile phone distractions and use while driving. It also tracks driving habits such as hard braking or fast cornering to come up with your driver score.

All listed drivers on your policy have to participate in DriveEasy or you risk being removed from the program. Once your driving score is established, you’ll receive a discount at your next renewal. Use caution because a poor driving score could cause your rates to go up at renewal, but Geico won’t cancel your policy because of it.

Picture not described

How DriveEasy rates your driving

Geico’s DriveEasy program rates your driving based on how much time you spend behind the wheel distracted. Using your phone when driving faster than 6mph counts against you in these ways:

  • Hand-held calls. Geico measures how many calls you make or take using the hand-held feature.
  • Active phone use. The app records when you interact with your phone while driving — including using the Geico mobile app. Active phone use means touching your phone for any reason, even if a passenger uses it while you’re driving.
  • Focused time. Your percentage of drive time without distractions is measured.

Passive phone use, like having the Geico app running in the background, and Bluetooth calls don’t count against you in your driving score.

In addition to your distracted driving metrics, your driving score includes additional safe driving behaviors:

  • Cornering. Taking corners too quickly can make you lose control.
  • Hard braking. Numerous incidents of hard braking could mean you’re following too closely to traffic ahead of you or not paying enough attention when driving.
  • Smoothness. Changing lanes or changing speed frequently are considered riskier habits according to the DriveEasy app.
  • Distance driven. Driving longer distances could increase the risk of an accident.
  • Time of day. It’s riskier to drive overnight than during daytime hours.
  • Weather. Bad weather can indicate poor driving conditions, which means riskier driving.
  • Type of road. Some roads like twisting, turning country roads are more challenging to drive. Straight and simple highways could be considered easy roads.

6 steps to join Geico’s DriveEasy program

If you have a Geico auto policy and live in one of the 25 states or Washington DC where DriveEasy is available, you’ll be eligible to participate in the DriveEasy program by following these steps:

  1. Download the Geico mobile app, available on the app store and Google Play.
  2. Enter your phone number and accept the terms and conditions.
  3. Enter the verification code Geico sends you.
  4. Enable the app to use location services.
  5. When you’re finished registering yourself, select Enroll and invite your family members to join. All drivers in your household need to participate in the program or Geico may remove you from the program and reject any discount.
  6. Track your trips until your next renewal and monitor your progress in the app’s dashboard.

Save up to 25% off with DriveEasy

Geico offers a discount up to 25% through its DriveEasy program, which is comparable to its competitors that offer discounts between 20% and 30%. But if your driving habits don’t support safe driving behaviors you may not get a discount — and your rates might increase. Some competitors offer an enrollment discount simply for signing up to try its telematics program, but Geico has no enrollment discount.

How Geico shares DriveEasy data

Geico uses the data it gathers through its DriveEasy program to evaluate your driving score and apply it to your rate. It also uses data for claims investigations, to make improvements to the app and to push safe driving tips to you. Geico stores your data on a secure server within the US.

Geico may share your data to maintain your policy, settle claims or for other reasons, with your permission. It also uses data for research and analysis, to administer its telematics program, to detect fraud and to market products and services to you from Geico and its partners. Geico notes in its privacy policy it hasn’t sold customer information in the last 12 months.

Geico DriveEasy reviews and complaints

The DriveEasy program is administered on Geico’s main app, the Geico Mobile Car Insurance app. The app has 4.8 stars with 2.9 million ratings in the app store.

Some complaints about the DriveEasy program in the app include:

  • Customers question its accuracy. Some people had to update their status from driver or passenger, and felt the app’s accuracy could be better.
  • Tracking is glitchy. Customers complained the tracking part of the app can be unstable. When driving, users noticed it stops tracking and sends a notification requiring them to reload the app.
  • Challenging to get help. While not specifically related to the DriveEasy program, many customers complain about difficulties reaching a customer service agent with any issues. Some policyholders also commented when they made contact, the rep was unable to help them resolve the issue.

People also praised the mobile app:

  • Helpful service. Many customers commented on the helpfulness of reps through the app or when calling Geico’s billing and claims center.
  • Easy-to-use app. Policyholders called out the app’s intuitive use when they tried to pay their bill or service their policy.

How do I use the DriveEasy app?

Geico’s DriveEasy program uses its mobile app to track your driving habits. There’s no option to use a separate telematics device so you’ll have to be OK with downloading another app to your phone.

The app uses a dashboard to display your recent trip details. Once you’ve downloaded the app you’ll register it and accept the terms and conditions. Since every driver on your policy needs to enroll, you’ll be asked to invite the other drivers once you’ve successfully enrolled.

What to watch out for

Geico recommends using the app on WiFi as much as possible to increase accuracy and save your cell data, though the app still works if you’re not on WiFi. The app is designed to stay dormant when you’re not driving to conserve your battery. Geico estimates the average driver will use 60 to 70 MB of data monthly by using the DriveEasy app.

The DriveEasy app is available for iPhones through iOs 10 and up and Marshmallow 6.0 or higher for Androids. You can’t use the app on a tablet or your smartwatch.

Alternatives to Geico DriveEasy

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
loading

Compare up to 4 providers

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site