Car Insurance

GEICO Insurance Reviews 2021 [Cost, Service, & Coverage]

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Car driving down the road
GEICO Car insurance
In Our Opinion:
We named GEICO “Best Overall” because of the company’s well-rounded offerings and positive scores across the board. GEICO makes it easy to get car insurance with a helpful mobile app and affordable plans for all drivers, including students and military members. Customers will enjoy the online experience but may be frustrated with repairs and the pace at which claims are handled.
Industry Standing
95
Availability
100
Coverage
95
Affordability
95
Customer Service
95
Online Experience
95
Pros
24/7 access to agents
Variety of discounts (some as high as 26%)
Convenient GEICO mobile app and online tools
Strong industry financials
Auto Repair Xpresss (ARX) repair facilities
Cons
Reports of slow claims processing
Average or inconsistent customer service
96

Considering an auto insurance policy with GEICO? In this article, we’ll take a close look at GEICO insurance reviews, costs, coverage options, and more. Find out how the auto insurer covers drivers and handles claims, as well as what real-life customers have to say about their plans. Then see why we named GEICO the overall best auto insurance company in the industry.

GEICO auto insurance is available in all 50 states, and it’s easy to get a free quote from GEICO and other top car insurers in your area.

GEICO Overview

Founded in 1936 and headquartered in Chevy Chase, Maryland, GEICO is one of the biggest car insurance companies in the nation. Accounting for almost 14 percent of the U.S. market share, the insurer says it wrote just under 34 billion insurance premiums in 2020 alone. In addition to car insurance, GEICO offers policies for homeowners insurance, renters insurance, and more.

GEICO Auto Insurance Coverage Options

GEICO offers several types of car insurance, from basic coverage to comprehensive protection. See below for a detailed explanation of GEICO coverage options and benefits.

Liability Insurance

Liability insurance is required in most states and covers other drivers in accidents where you are at fault.

  • Bodily injury liability insurance pays damages and costs associated with personal injuries and death. 
  • Property damage liability insurance pays for damage to another person’s car or property. 

GEICO also offers umbrella insurance for especially serious accidents. Umbrella coverage pays out up to $1 million for damages. 

Vehicle Coverage

GEICO vehicle coverage includes two types of insurance: 

  • Collision coverage pays for damage to your vehicle caused by a collision with another vehicle or object. 
  • Comprehensive coverage covers damages not caused by a collision. These include theft, vandalism, and weather-related incidents.

Medical Coverage

GEICO medical coverage may pay for medical treatment, lost wages, and other expenses related to an accident. These costs are usually covered regardless of who is at fault. 

  • Medical payments coverage (MedPay) helps pay for medical bills, including funeral expenses, as a result of an accident.
  • Personal injury protection (PIP) helps pay for medical bills as well as other accident-related expenses, such as lost wages.

Uninsured/Underinsured Motorist Coverage

This form of insurance may cover your injuries or property damage when the driver at fault for an accident cannot be identified (such as in a hit-and-run), is uninsured, or does not have adequate insurance to pay the complete cost of damages. 

Additional GEICO Auto Insurance Coverages

  • Rental reimbursement: This covers up to $25 per day for a maximum of $750 per claim. 
  • Roadside assistance: This includes battery jump-start services, flat-tire changes, and lockout services (up to $100). With the GEICO mobile app, you can request help 24/7 and use a GPS locator to help emergency services find you. 
  • Mechanical breakdown insurance (MBI): MBI coverage pays for car repairs after an unexpected breakdown that is not the result of an accident, similar to an extended car warranty. This coverage lasts up to seven years or 100,000 miles. New or leased vehicles must be less than 15 months old and have fewer than 15,000 miles to be eligible for this type of policy. 

GEICO Auto Insurance Cost

According to our rate estimates, the cost of GEICO auto insurance is about 22 percent cheaper than the national average. It’s also among the cheapest five providers overall.

Our rate estimates apply to full coverage insurance for 35-year-old drivers with good credit and good driving records. Below, you can see how GEICO compares to a variety of top providers, along with the national average car insurance cost.

Car Insurance Provider Average Annual Cost Estimate
USAA $1,113
Erie Insurance $1,113
Auto-Owners $1,229
State Farm $1,339
Geico $1,352
Progressive $1,397
Nationwide $1,533
Travelers $1,617
National Average Cost $1,732
Farmers $2,032
The Hartford $2,166
Allstate $2,430

What you pay for car insurance also depends on the state where you live. Average car insurance prices can vary by thousands of dollars from state to state. Reasons for this include the differences between state regulations, population density, propensity for disasters, and more.

Below, you can see how GEICO car insurance rate estimates compare to the average car insurance rate for each state. GEICO is cheaper than the state average in most cases but not all. Also, you can expect to find higher rates if you are a young driver, have accidents on your record, or have poor credit.

State State Average Cost Estimate Geico Cost Estimate
Alabama $1,448 $977
Alaska $1,287 $1,039
Arizona $1,625 $1,039
Arkanksas $1,449 $1,558
California $2,339 $1,668
Colorado $1,672 $1,179
Connecticut $1,885 $924
Delaware $1,921 $1,398
Washington, D.C. $1,787 $1,015
Florida $2,894 $1,499
Georgia $1,548 $1,251
Hawaii $1,238 $851
Idaho $1,089 $735
Illinois $1,474 $1,170
Indiana $1,087 $797
Iowa $1,095 $965
Kansas $1,364 $1,078
Kentucky $1,817 $872
Louisiana $3,828 $6,614
Maine $995 $559
Maryland $1,941 $1,715
Massachusetts $2,568 $1,565
Michigan $4,390 Data Not Available
Minnesota $1,487 $1,181
Mississippi $1,357 $1,262
Missouri $1,741 $2,049
Montana $2,214 $1,349
Nebraska $1,372 $1,272
Nevada $2,332 $1,414
New Hampshire $1,181 $861
New Jersey $2,108 $1,340
New Mexico $1,356 $1,007
New York $3,964 $2,286
North Carolina $1,277 $1,118
North Dakota $1,310 $1,316
Ohio $923 $748
Oklahoma $1,630 $1,262
Oregon $1,284 $1,218
Pennsylvania $1,405 $1,111
Rhode Island $1,923 $1,703
South Carolina $1,592 $1,075
South Dakota $1,331 $1,096
Tennessee $1,217 $1,059
Texas $2,067 $1,532
Utah $1,446 $958
Vermont $1,013 $851
Virginia $1,079 $999
Washington $1,271 $1,232
West Virginia $1,390 $1,393
Wisconsin $946 $760
Wyoming $1,499 $1,565

GEICO Insurance Discounts

Beyond finding a cheaper base rate, there are ways to lower the price of your premiums, especially if you can qualify for discounts. GEICO’s available discounts include: 

  • Multi-Policy Discount: Varies
  • Military Discount: 15 percent
  • New Vehicle Discount: 15 percent
  • Multi-Vehicle Discount: 25 percent
  • Good Student Discount: 15 percent
  • Anti-Lock Brakes Discount: 5 percent
  • Federal Employee Discount: 8 percent
  • Anti-Theft System Discount: 25 percent
  • Membership/Employee Discount: Varies
  • Daytime Running Lights Discount: 1 percent
  • Emergency Deployment Discount: 25 percent
  • Good Driver Discount: 26 percent (no accidents for five years)
  • Seat Belt Use Discount: 15 percent off medical coverage or PIP
  • Drivers Education and Defensive Driving Course Discounts: Varies
  • Air Bag System Discount: 25 percent for driver’s side and 40 percent for full-front seat

Seniors are eligible for a GEICO “Prime Time” plan specifically designed for drivers older than 50. To be eligible, drivers must have a clean driving record with no violations or accidents in the past three years. Furthermore, no drivers under age 25 can operate the covered vehicle.

GEICO customers can protect themselves from rate increases after an accident through the provider’s accident forgiveness program. Accident forgiveness can be purchased as an add-on and is also awarded to customers who stay accident-free for a certain period of time. This perk is not available to drivers in California, Connecticut, or Massachusetts.

Finally, drivers who want to save on GEICO auto insurance policies can opt for a larger deductible to lower their insurance premiums. 

How to Find Affordable GEICO Auto Insurance Plans

GEICO offers a free auto insurance quote engine as well as a coverage calculator and a rate pricing comparison tool. 

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The coverage calculator helps car insurance shoppers find the right type of coverage based on a series of questions about driving habits, assets, and other factors. 

The rate comparison tool allows shoppers to see how GEICO’s rates stack up against other major insurance companies.

GEICO Auto Insurance Mobile App

GEICO’s online experience is enhanced with the GEICO Mobile app. The app won awards in 2016 and 2019 and has received several high rankings from the Dynatrace Scorecard, beating out other insurance mobile apps for its customization options and easy use. Many GEICO insurance reviews praise the app for its features and usability.

The GEICO Mobile app allows users to:

  • Pay bills
  • Access digital ID cards
  • Request roadside assistance
  • Use Kate, a virtual assistant, to answer questions
  • View service history, maintenance schedules, and more with Vehicle Care from myCARFAX

Customers can even play an augmented reality game on the mobile app. 

The company's mobile app is a strong point, and part of the reason why we pick GEICO auto insurance as best overall.
The company’s mobile app is a strong selling point and part of the reason why we pick GEICO auto insurance as best overall.

What Is GEICO Voice? 

GEICO Voice allows customers to check their claim status or request roadside assistance (among other services) just by using their voice. This tool is compatible with Google Assistant and Amazon Alexa. We believe this feature is a nice plus since anyone who’s been in an accident knows how stressful filing a claim can be. Now you can just ask Alexa or Google for an update. 

Online Payments with GEICO Auto Insurance

Customers can set up automatic payments or pay without logging in through GEICO Express Services. This tool lets you pay your bill or view your ID without having to enter a user name and password. Instead, you use your ZIP code, phone number, policy number, or social security number. 

GEICO also offers payment plans. You can make payments with a credit card, debit card, check, or your saved checking account info. 

GEICO Insurance Reviews & Ratings

  • Better Business Bureau (BBB) Score: A+
  • BBB Customer Review Score: 1.2 / 5.0
  • Trustpilot Score: 1.6 / 5.0
  • AM Best Financial Strength Rating: A++

When it comes to industry ratings, GEICO performs well. According to the 2020 J.D. Power Auto Claims Satisfaction StudySM, customers reported their experiences with their local agents and call center representatives as above average compared to insurance companies such as Esurance, State Farm, and USAA. In 2020, GEICO also ranked highest among large insurers in the J.D. Power Insurance Shopping StudySM, but it ranked below average in the 2021 study.

There are other reasons to choose GEICO car insurance. One independent survey on Insure.com found 44 percent of customers selected GEICO auto insurance based on price, while 19 percent chose the provider for its reputation in the industry. GEICO is, after all, a highly recognized name. An overwhelming majority said they would renew.

In the customer reviews we found, some were very pleased with how professional the GEICO auto insurance adjusters were.
In the customer reviews we found, some drivers were pleased with the professionalism of the GEICO auto insurance adjusters.

GEICO Car Insurance Customer Reviews

On GEICO’s BBB page, common complaints included slow claims processing and poor roadside assistance experiences. While the company may have low Trustpilot and BBB customer review scores, this does not necessarily indicate poor customer service. Both scores are based on fewer than 500 GEICO insurance reviews – less than one percent of GEICO’s total customers.

We combed through GEICO insurance reviews across a range of sites and found that many mention the quality of GEICO’s website and service agents. However, GEICO customer service is not always consistent. Below is a representative sample of GEICO auto insurance reviews:

“I have been a policyholder for 18 years. The service on the website is great. It is simple to use and easy to understand. I have had problems with claims. I have had several claims in the past with the company and service has been iffy. … I think they have lost the luster, and service has become less important as time went on. At least the website is easy and hassle-free.” – Mickey W. via Trustpilot 

“I was involved in an accident while on vacation in Florida last month. The Florida GEICO adjuster was extremely helpful, professional, and caring. Thanks to her, I was able to continue my trip without worrying about being treated fairly. She was honest about what I could expect and was very familiar with both Florida law and my New York policy. All of my questions were answered in a timely fashion and eased my mind. … As far as I’m concerned, GEICO has won a customer for life due to her professionalism and the service the company provides.” – MauiJim (GEICO customer of 6–9 years)

Conclusion: Best Overall Car Insurance 

GEICO is a company that embraces mobile technology and makes coverage affordable through a number of discounts and programs. Many customers are attracted to GEICO for its reputation, but as with most insurance companies, some end up disappointed with aspects of the claims process and customer service. 

Based on our GEICO insurance review, we rate it as the Best Overall car insurance provider, since the company performs well in the majority of our research categories. 

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