How do I lower my GEICO car insurance?

I pay $250 a month for car insurance with GEICO. I don't want to switch insurance companies, but how can I lower my rate?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You might be able to lower your
GEICO insurance rate
by qualifying for
car insurance discounts
, enrolling in the company's telematics program, or adjusting your coverage levels.
  • Check for discounts: GEICO offers a range of discounts and you could qualify for savings if you bundle your homeowners insurance and auto insurance policies, have a student away at school, or drive fewer miles than average.
  • Try telematics: Consider enrolling in GEICO’s
    Drive Easy program
    . The app tracks your driving behavior every time you log a trip. If you drive safely, you may receive a discount on your policy upon renewal.
  • Revisit your coverage: If you have
    full coverage
    , increasing your deductibles will reduce your premium—but make sure you can still afford to pay them. If your car is older and you own it outright, you might consider dropping full-coverage insurance altogether.
If none of these options work for you, it might be best to shop around. GEICO is great, but other insurers might be able to offer you a better rate. Use
, the AllCar™ app, to compare rates quickly to find the lowest premium for the coverage you need.
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