To determine if GEICO really is one of the best car insurance companies, our experts analyzed over 1,500 real customer reviews from GEICO. Here’s what we found:

66% of respondents had positive feedback

12% were negative

21% of comments were neutral

GEICO’s numbers are similar to the national average of 64% positive reviews, but they’re better than the national average of 18.5% negative reviews.

Customers love having the ability to fully customize their policies, and agree the selection of discounts are impressive!

The good: GEICO is one of the top insurance companies for a reason. It enjoys solid customer satisfaction ratings, in addition to:

Wide selection of available coverage options and discounts

Some of the cheapest car insurance rates

Nationwide coverage

The other side: Since GEICO is such a large insurance company with an online and mobile focus, it has a limited network of local insurance agents. It also doesn’t offer rideshare or gap coverage.

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GEICO Car Insurance Reviews

GEICO Pros and Cons

GEICO is the second-largest auto insurance company in the U.S., with over 17 million policies to its name. With a variety of insurance products and coverage options for all drivers, it’s no wonder that GEICO is a nationwide favorite.

If you’re curious how GEICO stacks up to the competition, see how the company compares with the national average for other insurance companies:

Criteria	GEICO's Rating	Industry Average
Overall	3.9	4.1
Cost / Price	3.3	3.8
Claim Experience	3.9	3.5
Customer Service	4	4
Renewal Experience	4	4

When assessing GEICO’s strengths and weaknesses, we also took a look at other industry leaders and how they ranked against GEICO. Combining these results with our own survey data from real motorists, we can see just how GEICO compares to the top score possible:

Critera	GEICO	Score Out Of
BBB Rating	A+	A+
NAIC Rating	1.33	6
Clearsurance	4.11	5
A.M. Best Rating	A++	A++
IOS App Store Rating	4.8	5
Google Play Store Rating	4.6	5

Please note* that a greater NAIC score indicates increased risk.

GEICO car insurance reviews

Survey respondents not only rated the company on specific categories, but they also got a chance to give feedback. Here are real reviews from actual GEICO car insurance customers:

GEICO pros and cons

We used our analysis of the Jerry driver survey and public third-party ratings to discover the pros and cons of using GEICO for car insurance. Here’s what we found:

Pros

Affordable insurance options for most drivers

Fantastic range of insurance options and coverage types

Above-average customer satisfaction rates

Wide variety of discounts

Easy-to-navigate website and mobile app

Offers homeowner’s, renter’s, commercial, boat, and motorcycle insurance

Cons

Does not offer rideshare coverage

Doesn’t offer gap insurance

Does not have a wide network of local agents

Is GEICO the right insurance company for you?

Many drivers find affordable car insurance coverage with GEICO, especially drivers who:

Want to

bundle home and auto insurance

Want

roadside assistance

Enjoy cheap car insurance via discounts

Have a clean driving record

Keep in mind: While GEICO offers competitive rates for many drivers, if you have a spotty driving record, you might want to comparison shop for the best deal.

GEICO is available nationwide, but its coverage types and rates may vary by location. You can get a variety of auto coverage, home insurance, life, and other insurance products.

Click on the buttons below to see the breakdown of our analysis of GEICO’s car insurance services.

Is GEICO car insurance expensive?

GEICO’s car insurance rates are average, but its impressive range of discounts can bring down your premium costs. Policyholders with spotty driving records or poor credit will typically pay higher rates.

We surveyed over 1,000 GEICO customers, and of those, 24% mentioned cost. 52% of those reviewers gave positive shout-outs to GEICO, while 33% gave negative feedback.

When we compared these results to similarly sized insurance companies, we found GEICO ranked 26 out of 53 companies—putting it solidly in the middle of the pack in terms of policy cost satisfaction. GEICO customers gave the company 3.26 stars out of 5, which is slightly below the national average of 3.81.

In general, here’s what GEICO will use to

calculate insurance premiums

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

coverage requirements

Vehicle make, model, and year

You’ll also notice that costs vary by state because states allow car insurance companies to use different factors in their premium calculators. Here’s how GEICO’s premiums trend across the country:

GEICO Policy Cost Rating	Ranking	Industry Average
3.3	26	3.8

MORE:

The average cost of car insurance in 2023

GEICO cost reviews

Check out how real Jerry users rated GEICO based on cost below:

Will GEICO raise your rates?

It’s possible. Insurance companies have the ability to raise your premium

upon renewal

Here are some reasons your rate might go up with GEICO:

New violations or tickets

New accidents

New location

New vehicle on a policy

New driver on a policy

Inflation

Age

According to our survey, 56% of drivers with a GEICO auto insurance policy chose to renew at the end of the policy term.

Remember: It’s completely normal for your insurance rates to fluctuate over time, even if nothing changes with your driver profile.

Does GEICO resolve claims fast?

GEICO doesn’t promise to resolve

car insurance claims

within a specific window of time, but customers seem satisfied with GEICO’s claim handling.

GEICO makes it easy for customers to quickly file a claim after an accident or damage is done to a vehicle. You can file a claim on GEICO’s mobile app, call them at (800) 841-3000, or submit a claim online.

Of the thousands of GEICO customers we surveyed, 54% filed a claim with the company. Our analysis found that GEICO ranked 6th out of 53 similarly sized insurance companies for claims satisfaction.

Customers gave GEICO 3.9 out of 5 stars, which suggests that GEICO is doing a good job of handling claims, especially since the national score is 3.5.

Read through some of the reviews below to see how GEICO worked with customers during the claims process:

GEICO Claims Resolution Rating	Ranking	Industry Average
3.9	6	3.5

GEICO claims reviews

See how real Jerry drivers rated GEICO based on claim handling below:

Does GEICO have good customer service?

GEICO has good customer service, with customers giving it 4 out of 5 stars. This puts GEICO slightly above the national average of 3.9 for customer satisfaction.

The company also has slightly higher rates of complaints, according to the National Association of Insurance Commissioners (NAIC). GEICO’s complaint index is 1.21—higher than the national average of 1.

However, our analysis ranked GEICO in 15th place out of 53 similarly sized car insurance companies when it comes to customer service.

Read on to see how survey respondents rated GEICO’s customer service:

GEICO Customer Service Rating	Ranking	Industry Average
4	15	4

GEICO customer service reviews

See how real Jerry users rated GEICO based on customer service below:

GEICO car insurance discounts

A wide range of

insurance discounts

is one of the reasons customers get great rates through GEICO.

Always check for what discounts you qualify for since they reduce your insurance costs! Here are just some of the discounts that GEICO offers its policyholders for auto insurance:

Airbag discount: Save 23% if your vehicle is equipped with this safety feature.

Anti-lock brake discount: Save 5% if your car has this equipment.

Anti-theft system: Get 23% off if your vehicle has a system to deter thieves.

Daytime running lights: Enjoy 3% off with this equipment.

New vehicle discount: Save 15% for insuring a new vehicle.

Federal employee discount: Active and retired federal employees may be eligible for a discount on their car insurance premiums.

In addition to these unique discounts, you can also get more common car insurance discounts like:

Good driver discount: Get 22% off if you’ve gone five years accident-free.

Defensive driving discount: Take an approved course defensive driving or driver’s education course and receive a credit toward your auto insurance rates.

Good student discount

: Young drivers who maintain good grades can get 15% off their car insurance.

Emergency deployment: If you’re an active military member, save 25% on your insurance in the event of an emergency deployment. Military members also save 15% on their standard auto insurance.

Multi-policy discount: Insure more than one vehicle, or combine your auto insurance with renters insurance or homeowners insurance, and save on each policy.

These are just some of the discounts GEICO offers, so be sure to check what you’re eligible for.

GEICO coverage options

Not every driver needs the same

type of car insurance

or amount of insurance coverage, but GEICO allows you to customize your policy. Here are the standard types of insurance you can get through GEICO, including full coverage:

Basic

liability coverage

: Liability insurance policies pay for damages caused to others if you’re at fault in a car accident. It is divided up into

bodily injury liability coverage

, which covers the cost of others’ medical bills, and

property damage liability coverage

, which pays for damaged property. Most

states require liability coverage

Collision Coverage

: Protects your vehicle and pays for damage or repairs if involved in a collision. Most collision policies also cover incidents where you hit another vehicle or stationary object.

Comprehensive Coverage

: Pays for some vehicle damages not covered by a collision policy after you’ve paid a

comprehensive deductible

. For instance, comprehensive pays for repairs following extreme weather,

car theft

, vandalism, and more.

Uninsured/Underinsured Motorist Coverage

: If you’re in an accident with an at-fault driver who doesn’t have enough (or any) insurance, UM pays for your medical bills. Some states require this type of coverage.

Medical Payments

: You can add this rider to your policy to help pay for medical or funeral expenses for you, your family members, or your passengers.

Personal injury protection (PIP)

: If you live in a

no-fault state

, you’re required to carry this coverage, which pays for additional medical expenses like rehab bills, lost wages, and funeral expenses.

GEICO also has a wealth of other insurance types that you can purchase:

Commercial auto insurance

Motorcycle

/ATV insurance

Classic car insurance

Boat insurance

Pet insurance

Jewelry insurance

Umbrella insurance

Travel insurance

Life insurance

FAQs

Does GEICO have good reviews?

Yes—GEICO scored a solid 4 out of 5 stars in Jerry’s survey of over 1,500 real GEICO customers.

Does GEICO offer SR-22 insurance?

Yes—GEICO will file an SR-22 or FR-44 form with your state government’s DMV agency on your behalf if required.

Is GEICO car insurance expensive?

Not necessarily. GEICO is known for its

cheap car insurance

, but your best rates depend on personal factors like location, credit score, age, driving record, and more.

Who is better: GEICO or Progressive?

GEICO and Progressive are both some of the most popular car insurance companies in the country, but third-party reviewers tend to agree that GEICO has the cheapest rates. This could be because GEICO offers more discounts.

Can you use GEICO out of state?

Yes, auto insurance typically follows the vehicle, so if you’re insured through GEICO, you’ll be covered when you leave state lines.

Read all GEICO Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.