Is GEICO car insurance really the cheapest insurance?

I was going to switch insurance companies and got a GEICO quote online, but it was more expensive than I thought it would be. Should I call them or is the online quote accurate?

Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
is known for generally offering affordable car insurance rates, but not every finds the cheapest insurance with GEICO. 
Your online quote is a good starting point, but your rate could change when the company runs your motor vehicle report and claims history.
The other thing that you need to consider: Your coverage limits and deductibles.
  • Is the coverage limit being quoted significantly higher than your current coverage? 
  • Are the deductibles lower? 
  • Is the level of coverage being quoted the right amount of coverage for you?
Remember: GEICO is only one company. If you want to shop for the best rate, it's a good idea to
compare car insurance quotes online
from at least 3–5 different companies.
is the AllCar™ app that can help you do this in just a couple of minutes so that you can be sure you aren't overpaying for your policy.
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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