- Many rate discount opportunities.
- High financial strength rating.
- Available in all 50 states.
- Files SR-22 forms for high-risk drivers.
- Does not offer gap insurance.
- Relatively low customer satisfaction ratings from J.D. Power.
Geico car insurance review
Jerry rates Geico car insurance 4.3 stars out of 5. This score is above average compared to other insurers that Jerry rates and takes into account the insurer’s pricing, industry and consumer ratings, financial strength, and national complaint data.
Industry reports and consumers give Geico average ratings overall. The insurer offers few coverage customization options but has an exceptionally long list of discounts and a superior financial strength rating from AM Best.
Geico has been in the car insurance business for more than 80 years. The insurer provides coverage in all 50 states. Drivers can buy a policy online, over the phone or with a local agent.
Is Geico a good insurance company?
Geico may be a good choice for those who qualify for one or more of the insurer’s many discounts. The company’s high financial strength rating also makes it ideal for drivers seeking a stable insurer.
This may not be the insurance company for those who want coverage perks or add-ons such as gap insurance.
It’s best to compare Geico with other insurers to find the coverage you want at the lowest price.
How much does Geico car insurance cost?
Geico may offer affordable premiums to drivers with clean records. Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy, and the amount of coverage you want.
Geico car insurance discounts
Geico offers more than a dozen car insurance discounts. You can get a reduced rate for:
- Insuring multiple vehicles on your policy.
- Having multiple policies with Geico.
- Having airbags, anti-lock brakes, an anti-theft system or front lights that stay on during the daytime.
- Having a new vehicle.
- Being accident-free for five years.
- Wearing a seat belt.
- Completing a defensive driving course.
- Having a young driver complete a driver’s education course.
- Insuring a full-time student with a good academic record.
- Being an active-duty or retired military member, or a member of the National Guard or Reserves. Policyholders who are deployed to dangerous territories may be eligible for an additional discount.
- Being an active or retired federal employee.
- Being a member or employee of Geico’s partner organizations, including some colleges and companies owned by Berkshire Hathaway.
Does Geico offer insurance based on driving behavior?
Yes. The insurer’s DriveEasy program rewards safe drivers with lower premiums and is available in many states. The program tracks participants’ driving via a smartphone app. It considers the following behaviors:
- How often the driver uses their phone while driving.
- Instances of braking and accelerating quickly.
- How fast the driver takes corners.
- Consistency in speed.
- Instances of driving late at night.
- Distance per trip.
- Consistency in driving routes.
DriveEasy gives participants a score based on those factors. The higher the score, the better the rate.
Geico car insurance coverage options
Like most insurers, Geico offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.
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Coverage definitions
Geico also offers the following coverage options:
- Emergency road service, which covers roadside assistance for things like flat tires, dead batteries, lockouts and towing.
- Rental reimbursement helps cover a rental car while your car is out of commission.
- Mechanical breakdown coverage is similar to a warranty, but helps pay for repairs to new or leased vehicles, including parts that aren’t covered by most dealer warranties.
Industry ratings of Geico car insurance
Geico has an average rating across industry reports but stands out for an especially low (good) consumer complaint index and an exceptionally high financial strength rating.
| Rating | Geico’s score |
| NAIC consumer complaint index | Moderately low. |
| CRASH Network report card | C-. |
| J.D. Power auto insurance shopping study | No. 14 of 17. |
| J.D. Power auto insurance claims study | No. 14 of 21. |
| AM Best | A++. |
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NAIC details
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CRASH Network details
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J.D. Power details
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AM Best details
Customer reviews of Geico
Hundreds of Jerry customers have used and reviewed Geico’s auto insurance products and have given the company a fair overall score.
How to contact Geico
Geico’s contact web page directs consumers to self-service as much as possible. Customers can report incidents, track claims, get quotes and view policy documents at https://www.geico.com/contact-us/. Policyholders can also submit claims, get roadside assistance and make payments on the company’s well-rated mobile app.
To reach a customer service representative, call 800-207-7847
FAQ
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Does Geico car insurance cover rentals?
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How do I file a claim with Geico?
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How do I lower my Geico car insurance costs?
Methodology
We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts
