Geico Car Insurance Review

Millennials, rejoice because this is a provider that is web and mobile-friendly for all of your insurance needs.

J.D. Power Rating
3/5
AM Best Rating
A++
Standard & Poor’s
AA+
SimpleScore
4.8 / 5.0
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SimpleScore GEICO 4.8
Discounts 5
Coverage Options 5
Customer Satisfaction 4
Support 5
Accessibility 5
  • Many discounts
  • Great customer service
  • Easy mobile accessibility
  • No gap insurance available
  • Fewer local agents

When it comes to car insurance, Geico is one of the most popular providers for drivers in the United States. Customer satisfaction surveys and Geico reviews show that Geico’s customer service is about average compared to other auto insurance providers. If your experience is more important than the price of your premium, you might want to consider a different insurance provider like State Farm or Allstate. If you file a claim, you want the peace of mind of knowing that your insurer will lessen the headache, not make it worse.

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    In this article

      Geico auto insurance at a Glance

      In business1936
      States served50
      Best forPrice-focused consumers
      Not forPeople who place a high value on reputation and customer service
      Standout featuresAccident forgiveness24/7 customer support and roadside assistanceRental car reimbursementMechanical breakdown insuranceCoverage for Lyft and Uber drivers
      Available bundlesHome, auto

      What we like about Geico auto insurance

      If you’ve been looking at Geico car insurance reviews, you likely want to know about the basics of coverage and how much it will cost. Here is what you should know about Geico auto insurance.

      Major coverage

      Geico offers bodily injury and property damage liability coverage ranging from your state minimums to $250,000/$500,000/$100,000. These coverages protect you if you’re found liable for damage to people or property in an accident. Some states also require uninsured or underinsured motorist coverage, which pays for the damages if you’re hit by a driver who has too little or no insurance. Collision and comprehensive coverage are also available to help repair your vehicle following an accident. Though not required by law, many lenders will require these coverages if you have a loan on your vehicle.

      Coverage for Lyft and Uber drivers

      Geico offers coverage to Uber and Lyft drivers. Though this protection is becoming more common, some insurance companies still refuse to cover drivers who provide ride-sharing services and have even canceled their existing policies. If you work for a ride-sharing service, Geico is worth considering.

      Plenty of ways to save

      Geico has an impressive selection of discounts to help you save on your premiums. Insuring multiple vehicles or bundling your home and car insurance could lower your premium by up to 25 percent. Being five years accident-free and wearing your seat belt can also translate into savings. Teen drivers are eligible for good student and driver’s education discounts. And if you’re a member of the U.S. military or one of Geico’s member organizations, you could save even more.

      Things to consider

      Geico has its downfalls, too, which are important to consider before you commit to a new policy.

      Online support

      Even in the Digital Age, the web isn’t for everyone. That is one area where Geico struggles because it largely depends on mobile and online tools to help you manage your policy and file claims. You may not enjoy as much personal support with Geico as you would with other companies.

      Less customization

      Rather than custom-building each auto insurance policy, Geico works with a comprehensive model that covers all of the basics automatically. You can then choose from limited add-ons to tweak your coverage, but you won’t find the many options that are available with other competitors.

      Geico auto insurance vs. the competition

      As we mentioned, it’s important to shop around for auto insurance quotes before selecting a provider. Although Geico is one of the most popular insurance providers on the market, there are several other reputable auto insurers that might offer a better, more affordable policy for you.

      Here’s a look at some of Geico’s main competitors.

      State Farm

      SimpleScore: 4.4/5
      In our quote comparison, State Farm offered reasonable rates for state minimum coverage, but that rate went up significantly when we raised my policy limits. State Farm offers all major types of car insurance coverage, and it scored well in J.D. Power’s customer satisfaction survey. It also has a decent selection of discounts, including its Drive Safe & Save program, which gives a discount to those who agree to have their driving monitored by State Farm.
      Read our full State Farm review.

      Progressive

      SimpleScore: 4.2/5
      Progressive is another car insurer worth considering if a low price is your top priority. It doesn’t offer as many discounts as some other insurers, but its rates are consistently among the lowest in the industry. It provides all major types of coverage, in addition to some protections you won’t find with most insurers, such as pet injury and custom parts coverage.
      Read our full Progressive review.

      Allstate

      SimpleScore: 4.2/5
      Allstate has one of the largest selections of car insurance discounts in the industry, yet it still turned out to be the most expensive option. Again, this may not be the case for you, but you’ll have to get a quote to find out. Also, Allstate received even lower customer satisfaction scores than Geico in J.D. Power’s survey, so unless it offers you a great deal on your rates, one of the other companies on this list is probably a better option.
      Read our full Allstate review.

      Geico auto insurance rates

      Car insurance companies look at a variety of factors when calculating car insurance rates. Your age, your driving history, your vehicle make and model, and where you live are a few of the biggest factors. Every company weighs these factors slightly differently, so the only way to find out what it’s going to cost you is to get a quote.

      Geico would cost $240 a year for state minimum coverage. State Farm would charge an extra $34 for the same coverage, but its reputation for providing better customer service could make the extra money worth it. That’s something you also have to consider when comparing insurers.

      Geico auto insurance’s coverage

      • Full/basic coverage: Geico offers bodily injury and property damage liability coverage ranging from your state minimums to $250,000/$500,000/$100,000. Some states also require uninsured or underinsured motorist coverage, which pays for the damages if you’re hit by a driver who has too little or no insurance.
      • Additional coverage: motorcycle, ATV, RV, rideshare and on-demand delivery, collector auto, boats and personal watercraft, Mexico insurance and commercial vehicle insurance.
      • Non-owners: Geico is one of the few companies that offers insurance to non-owners, a special consideration that many ride-sharing drivers appreciate.
      • Accident forgiveness: five years.
      • Optional roadside assistance and rental car reimbursement .
      • Personal liability protection for homeowners insurance.
      • Flood insurance for homeowners insurance .
      • Additional coverage available for jewelry or expensive items.
      • Mechanical breakdown insurance.

      Geico auto insurance discounts

      With Geico auto insurance, drivers can save money if they have safety features installed on their vehicle, have taken a defensive driving course, go five years without an accident, are a good student, bundle their policies, insure multiple vehicles or are a federal employee or member of the military.

      Geico discounts

      • Airbag
      • Anti-lock brakes
      • Anti-theft system
      • Daytime running lights
      • New vehicle
      • Good driver
      • Seat belt use
      • Defensive driving
      • Driver’s education course
      • Good student
      • Emergency deployment
      • Federal employee
      • Membership & employee
      • Military
      • Multi-vehicle
      • Multi-policy

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

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        How to submit an auto insurance claim with Geico

        Mistakes happen to everyone. Even if an accident is your fault, Geico won’t increase the cost of your policy with your first accident. This is included with some policies and available as an add-on for others.

        Geico makes it easy to file your claim with online and phone assistance. According to Geico’s claims center, the whole process takes about five minutes. If you’re eligible for a repair, you can schedule that right away. You can track the entire claims process from the mobile app or your online account.

        You can file your claim one of three ways:

        1. Download the Geico mobile app for filing on the go.
        2. Call (800) 941-3000 to speak with a Geico representative for more personalized support.
        3. Visit the online Geico Claims Center to begin the claims process online at your convenience.
        4. If necessary, you may need to schedule a physical inspection before you can proceed with any repair.

        Geico auto insurance online and mobile app

        Geico has mobile apps available for Apple and Android devices. The apps give you access to digital ID cards, roadside assistance and details about your policy. You can get a quote, file a claim, and pay your bill just as you could from your online account. The mobile apps are also hooked up to Geico’s live chat, so you can speak to a representative at any time.

        Geico home, auto and life

        Geico is one of the largest insurance providers in the U.S., servicing the entire country with a full suite of insurance products. You can bundle your auto insurance policy with additional coverage for homeowners, renters and life insurance.

        At Geico, you will find exhaustive coverage, no matter what kind of home you have. Home insurance comes standard with protections for your home and personal property, while personal liability and medical bills handle the legalities. Even renters coverage is thoughtfully designed, including protections from loathsome elements like fire, wind, water and smoke.

        Geico in the news

        • In April 2020, the Florida Spine and Joint Institute filed a lawsuit against Geico for the company’s inability to reimburse PIP benefits as promised. The suit is currently ongoing.
        • On June 8, 2020, Geico announced its plans to offer a 15% discount to all new and existing auto, motorcycle and RV policyholders. The discount is offered on both six- and 12-month policies through October 7, 2020.
        • In July 2020, Geico was accused of exploiting the coronavirus for its own benefit by failing to deduct the promised 15% off customers’ premiums.

        We welcome your feedback on this article and would love to hear about your experience with the home insurance providers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Lena Borrelli

        Contributing Writer

        Lena Borrelli is a Tampa-based freelance writer who has worked with leading industry titans, such as Morgan Stanley, Wells Fargo, and Simon Corporation. Her work has most recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate and Home Advisor, as well as many other websites and blogs around the world.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Insurance Editor

          Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.