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GEICO sells auto, home, renters and motorcycle insurance. It has several discount options, including for those who combine its coverage policies. As a direct provider, it can offer lower auto insurance rates than many of its competitors. Policyholders can manage their coverage online or through the company’s mobile app.
Pros & Cons
- Affordable policies
- Several discount options
- Intuitive website and app
- Can be pricey for high-risk drivers
- Few local agents
GEICO is one of the largest auto insurance providers in the U.S. It has affordable prices, several discount options and an app for policy management. However, it doesn’t employ many local agents.
Top GEICO Reviews
Michael ** assisted with an error I found on my parent's policy with professionalism and in a timely manner. I can't say enough good about Mikey, he has restored my faith in Custo...Read full review
I've had Geico auto insurance over 30 years, and I have found they are the easiest to deal with. Online or mobile app, it makes managing my payments and policy easy… customer serv...Read full review
About GEICO auto insurance
GEICO is an insurance company that’s served American drivers since 1936, and it’s currently one of the largest coverage providers in the country. The company is known for its affordable rates and various discount options. GEICO focuses on mobile app and online services rather than in-person assistance, but policyholders get access to 24/7 support and roadside assistance.
GEICO car insurance coverage
GEICO offers a variety of car insurance options, including:
- Collision: Pays for damages due to an accident.
- Comprehensive: Covers vehicle damage caused by theft, vandalism, fire or other incidents.
- Bodily injury liability: Pays for damages for the other party’s bodily injury or death from an accident when you’re at fault.
- Property damage liability: Covers damage to someone else’s property from an accident for which you’re at fault.
- Medical payments: Pays for your medical expenses resulting from an accident.
- Personal injury protection: Pays for medical treatment, missed wages and other accident-related expenses no matter who’s at fault.
- Uninsured motorist: Can help cover your injuries or property damage caused by an uninsured driver.
- Underinsured motorist: Pays for damages caused by drivers without sufficient insurance.
GEICO also offers add-on coverages, such as emergency road service, rental reimbursement and mechanical breakdown insurance.
GEICO car insurance quotes and rates
As with most insurance, GEICO rates vary depending on a number of factors. The company considers your age, location, driving history, gender and more when calculating your rate. For customers who qualify, GEICO does offer several discounts:
- Air bag
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- New vehicle
- Good driver
- Seatbelt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Federal employee
- Membership and employee
GEICO auto insurance FAQ
Does GEICO offer classic car coverage?
Does GEICO have a safe driver discount?
Does GEICO have full coverage plans?
How long is a GEICO quote good for?
Is GEICO good car insurance?
GEICO is one of the country’s largest insurance providers, and it’s known for its affordable rates and plethora of discounts. It offers 24/7 customer service and roadside assistance, and it focuses on serving policyholders online and through its mobile app, which many find convenient. However, if you prefer managing your policy in person, GEICO may not be the best choice for you.
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So after 6 years of being a customer with no claims and no late payments, GEICO wanted to thank me by raising my premium 50% they want $1500 plus now from $1020 - to renew, when questioned the lady on the phone had no reason as to why other than saying they hadn’t increased in several years - I will welcome my new insurance company Macfee.
My wife and I were informed (5/15/23) by GEICO that if I did not surrender my state-issued learner's permit prior to July that our insurance would be terminated. We have had zero accidents and my wife has been a GEICO customer for decades. I have not had a driver's license previously solely due to prior medical reasons. We explained this to GEICO and they kept their same demands in place. My state-issued learner's permit that I paid to receive and took and passed the written test to get expires in 2030. Of course, I planned to get my license long before that time but don't feel that it is right or legal for this company to make such threats and demand that I surrender my legally obtained state document.
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Best insurance company I’ve had the pleasure of dealing with when it comes to auto insurance, I’ve been their customer for over six years and I’ve been saving a lot of money ever since, I handle literally everything with ease on my smartphone through their mobile app and I’ve had a few incidents over the years because well “accidents happen“ and the entire process is hassle free. They always take good care of me even when I’ve switch states. I recommended Geico to the World. They have a great representative here in Massachusetts named Gary ** who is very professional he really knows what he’s doing.
Geico customer service is only available via a person if you want to buy something. Otherwise, Humans DO NOT work there. You are NOT given the opportunity to talk or chat to a human. How greedy can they be! Their IVR is designed to frustrate customers. I am no longer a customer due to their shady business practice. I invite potential customers to go elsewhere unless you enjoy hours of frustration trying to find a person to speak to.
Took 4 days to send a person to appraise the damage. The rental agreement covered only time to repair the vehicle and not time to get parts. The car shop showed that the parts will take a week and repair 1 week but GEICO covered rental for only a week even though the policy covers rental for up to 1 month. The labor charges what GEICO thinks are reasonable are much lower than market rates so you will have significant out of pocket costs (in my case I have to pay 2000 out of 5000). The supervisor didn’t return phone calls. Stay away from GEICo.
I called to update my address with GEICO. Upon doing so I was told my premium would increase by $400. I moved 3 miles. I was told weather patterns or traffic could be the reason.... I still go to the same stores, drive the same roads, and they can't explain the rate hike. Derek was very rude on the phone as well. I moved from an apartment to a half million dollar home. Public parking lot to a private driveway. No explanation at all.
I have GEICO insurance (not for long, because I'm going to shop around). I backed into another vehicle, and it was completely my fault, but GEICO refused to pay the other party. They wouldn't even tell me why. When I asked them why they refused to pay, they just told me they can't disclose that information because it's "confidential". How is is confidential? It must certainly is my business to know why my insurance company won't pay out what they are required to pay. Now I may be held personally liable for the damage to their vehicle even though I've been a GEICO customer for about 3 years now.
I have been a loyal Geico customer for several years. Regrettably, an oversight on our part led to a missed auto payment of $69, as we failed to update the card details for the auto-renewal. This was entirely our responsibility. However, two weeks later, we were alarmed to receive a letter—our first correspondence from Geico—informing us that our policy had been canceled two days prior. Unknowingly, we had been driving without insurance for those two days.
Despite this being our first late payment after years of consistent and timely payments, Geico not only neglected to provide adequate notification but also proceeded to increase our rates by 25% if we chose to renew. It is disheartening to discover that our longstanding loyalty to the company appears to carry no weight, as we are being treated as if we have a pattern of delinquency. Given these circumstances, we have made the decision to take our business elsewhere.
Have had Geico for 15 years. Had always been ok, no claims, no tickets. The renew came up and it was 800 dollars more a year. I called asked why? Lame excuse of hospital costs etc. That included good driver discount. I already moved on to someone else and even with some extra coverage it was cheaper than Geico before the 800 dollar increase. Break it down and the cost doubled per monthly payment. Even had two vehicles insured. Buyer be aware. There are too many other choices out there.
Before posting this, I sent this tale of woe to GEICO corporate HQs in Maryland. My story began when my wife was rear-ended by another driver, who was also insured by GEICO. The other driver admitted being distracted when they hit our car traveling 45-50 MPH. GEICO moved our claim to that of the other driver. Trying to find an adjustor was an experience. We called the closest GEICO in Renton, Washington. The first adjustor number given had the claim transferred and the number we were given was in Florida, which forwarded our call to another office in California. They suggested a couple of body shops for appraisal of the damage. Both were hours away and would not be able to do the work for several weeks. That was an unsatisfactory action for us. We were told to find a local shop, which we did and they were excellent.
We had an adjustor call us from Spokane, Washington, which is a seven-hour drive from us. He requested pictures of the damaged car on all four side as well as the VIN number and mileage be emailed to him for his appraisal. We did this and when he emailed us his appraisal, we forwarded it on to the local body shop. GEICO wanted everything done the cheapest way. When the work was completed, GEICO refused to pay the full amount needed to repair our car, so that we had to pay nearly $600 to make up the difference.
Now the fun began. There had been three adjusters that approved different versions of the work necessary. Jeffrey was the first estimate from the pictures, supplement S01 was done by Steven and the final supplement S02 was done by Sean. Called Jeff and he could not do anything more than the initial estimate. He gave us Sean’s telephone number. At this time there was a $1500 difference between the cost of repairs and what GEICO was willing to pay. Tried to contact Sean and left him voice mails. I wanted to find out what part of the bill that they would not cover. At this time the body shop notified us that GEICO had paid an additional $900 toward the cost. Not receiving a return call from Sean after trying several times, I was now past the point of being just unhappy. I call the local GEICO office and asked to speak to the supervisor. I was given the name of Otto who I called on three consecutive days and got no response.
Two days after my last call to GEICO, I received a call from Mark. He said he was also a supervisor and was asked by Otto to check on my concerns. He happens to be in Kentucky and has no knowledge of what had transpired. I briefed him and since it was a Friday, March 24th, he said he would call back on Monday. He did call and said that GEICO would not pay the full amount of the bill because the body shop used some Subaru parts rather than “after-market parts.” The difference in the after-market parts and Subaru parts was about $80. Labor and the outsourcing of the wheel alignment, vehicle diagnostic scans, painting made up the rest.
We are happy with the final product, just thought that GEICO should have been responsible for the entire cost. It was not our fault, and the repairs were not outrageous. The other car was totaled, but no injuries. Entire accident caught on video of semi facing the accident. We are changing our insurance provider after this.
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