Is GEICO Car Insurance Good? Reviews and Expert Insights

GEICO is well-suited for cost-conscious drivers who value a mobile user experience. GEICO holds AM Best’s top financial strength rating and draws fewer customer complaints than average for an insurer of its size.¹

However, data highlights a few drawbacks: GEICO’s claims-satisfaction score sits slightly below the industry average, and drivers with a DUI typically face substantial rate increases.

Geico car insurance costs, on average, $45 per month for minimum coverage or $148 per month for full coverage.

Your premium will depend on many different factors, including: 

• State

• Age

• Coverage selected 

• Driving record

• Credit score (in most states)

GEICO cost by state

Generally, GEICO premiums run slightly below industry averages in most states, and they’re especially competitive for those with clean driving records and good credit.

GEICO cost by driver profile

Like all carriers, GEICO typically charges higher premiums for teenage drivers, drivers with bad credit, drivers with recent at-fault accidents (unless accident forgiveness provisions apply), and moving violations.

We looked at the average GEICO quoted premium for several types of drivers. GEICO charges those with recent DUI/DWI convictions more than twice the premium that drivers with clean driving records pay. 

And teenage drivers are assessed the highest premiums of all.

GEICO primarily sells personal and commercial liability, collision, and comprehensive car insurance in all 50 states and Washington, D.C. 

In general, here’s what those three types of auto insurance cover: 

• Liability insurance: Covers you if you should cause property damage, injury, or death to others while driving. It’s mandatory in all states except New Hampshire. 

• Collision coverage: Pays for damage done to your car due to a collision with another object, minus your deductible. 

• Comprehensive coverage: Pays for damage to your car caused by covered hazards other than collision, such as floods, fire, hail, vehicle theft, and vandalism.

• Medical payments and personal injury protection (PIP): Covers medical costs for you and any passengers who were riding in your car. PIP availability depends on your state.

GEICO optional add-ons or endorsements

• Uninsured and underinsured motorist: Helps pay for damages and bodily injuries caused by a driver who has no insurance or too little to cover your claim. It is required in some states and optional in others. Availability, limits, and cost vary by state.

• Emergency road service: Provides assistance with towing, jump-starts, lockouts, fuel delivery, and tire changes. Usually costs a few dollars per month. 

• Rental reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired or replaced after a covered loss.

• Mechanical breakdown insurance (MBI): Covers major repairs after the manufacturer's warranty expires. Available only to first-time owners of vehicles under 15 months old and 15,000 miles, GEICO’s plan includes a $250 deductible and can be renewed for up to 7 years or 100,000 miles. Routine maintenance, normal wear and tear, and warranty-covered repairs are excluded.³

• Accident forgiveness: Waives the surcharge for your first at-fault accident. You can earn it free after five years of accident-free driving, or buy it where available. It applies once per policy, not per driver, and GEICO does not offer it in California, Connecticut, or Massachusetts.⁴

• Custom parts and equipment (CPE): Covers aftermarket additions, such as custom wheels, audio systems, wheelchair lifts, and other adaptive equipment, damaged in a covered loss.

GEICO does not sell gap insurance or new-car replacement coverage. If you’re financing a car and your lender requires this coverage, you may need to get it from your car dealer’s finance desk or buy a separate gap policy from a third-party vendor.

It’s also important to note that GEICO is a direct-to-consumer insurer, so most quoting, servicing, and claims work runs through its website, mobile app, and phone lines.

GEICO offers a wide range of car insurance discounts, and it says new policyholders save an average of more than $900 a year.⁵

Availability and amounts vary by state, driver, vehicle, driving record, and other factors.

How does the GEICO DriveEasy plan work?

DriveEasy is GEICO's usage-based (telematics) program that tracks how you drive through the GEICO Mobile app and rewards safe driving habits.⁶

GEICO’s telematics plan uses your phone's sensors instead of a plug-in device. The app monitors hard braking, fast cornering, rapid acceleration, phone use while driving, mileage, and the time and conditions you drive in. 

Enrolling in DriveEasy can result in discounts ranging from 5% to 15%. But enrollment offers and renewal effects vary by state. And if your telematics show you are a high-risk driver, your premiums could go up.

Is GEICO good for bundling?

GEICO often bundles car insurance with homeowners, renters, and condo policies and applies a multi-policy discount. Those property policies are written by non-affiliated insurance companies and secured through the GEICO Insurance Agency, so the company named on the policy, not GEICO, underwrites the coverage and handles the claim.

GEICO advertises a discount of up to 25% for qualifying multi-vehicle policies, while multi-policy savings vary. Compare the bundled total against the cost of holding multiple separate auto and home quotes. 

Here’s how GEICO stacks up against these other leading insurance companies:

Price is just one point of comparison. Another vital comparison is how reliable and how fast a carrier pays claims. Here’s a look at GEICO’s customer satisfaction scores:

Overall, GEICO is a solid choice if you want a lower-cost carrier, you have a relatively clean driving record, decent credit (in states that allow insurance carriers to underwrite based on credit), and you value a mobile user experience.It is less of a fit for riskier drivers, drivers with a recent DUI or DWI, or for teen drivers.

Car insurance premiums and available coverages vary widely based on your location and individual characteristics. The best way to shop for car insurance is to use Luva to get multiple quotes from leading carriers and compare them side by side. 

You can get a GEICO quote in a few minutes online at geico.com, in the GEICO Mobile app, by phone, or through a GEICO agent. Have your details ready, so the quote is accurate and less likely to change after underwriting.

• Gather your driver's license, vehicle identification number (VIN), current address, and driving history.

• Enter every licensed driver in your household and your annual mileage.

• Choose matching coverage limits and deductibles to compare fairly with other insurers.

• Review the discounts you qualify for, since GEICO applies most eligible discounts automatically.

• Compare GEICO's quote with at least two other carriers at the same coverage before you buy.

Before you decide, run the same coverage through Luva to see real quotes from other top carriers. Comparing identical limits and deductibles is the best way to tell whether a lower price reflects a real saving or less coverage.