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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.
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.
ConsumerAffairs has collected 4,808 reviews and 6,515 ratings.
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Reviewed Dec. 8, 2023
16+yrs with Geico, no accidents, premiums go up 10-20%/yr. Finally had my first claim with them (Nov 2023 deer strike, not-at-fault). My 2022 Nissan Leaf was bought for $32k last year, now Geico offering <50% of it's value after only 1yr, in this car market. They offer you less, hoping you'll agree, and if you fight hard enough they may throw a few $ your way but they know they have the advantage. It's a no-lose game for them and you're just a #. Unfortunate. Work with a local company instead who may care more or at least will be a better value. Do better Geico. Warren Buffett is still awesome though!
Reviewed Dec. 7, 2023
Rating: 1/5. As a policyholder with Geico I am utterly disappointed and appalled by the recent conduct of the company. Without my knowledge or consent, geico added another driver to my policy and unilaterally changed the policy premium, all under the guise of a so-called "system-generated risk and probability." This egregious behavior is a clear violation of trust and demonstrates a blatant disregard for ethical business practices.
The lack of transparency exhibited by geico is deeply concerning. As a policyholder, I expect to be informed of any changes to my policy, especially those that directly impact my coverage and premium. The fact that these alterations were made without my consent is not only unethical but also undermines the very foundation of the insurance provider-customer relationship.
Moreover, attributing these changes to a "system-generated risk and probability" is an inadequate explanation for such significant adjustments. It appears to be an attempt to justify an unjustifiable action, further exemplifying the company's lack of accountability and responsibility towards its policyholders. In light of these recent events, I cannot in good conscience recommend geico to anyone seeking insurance coverage. The company's actions have eroded the trust that is essential in the insurance industry, and I am left feeling vulnerable and taken advantage of as a policyholder. I fervently hope that geico reevaluates its business practices and prioritizes transparency, integrity, and respect for its policyholders. Until then, I advise individuals to exercise caution when considering geico for their insurance needs.
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Reviewed Dec. 5, 2023
I have been a Customer for 2 years, GEICO commits fraud by deceptively removing Collision and Comprehensive coverage to their Customers without telling them. They took $300 dollars from me for a Toyota Camry but after 14 days they removed my Collision coverage and DID NOT TELL me. I got into a car accident and now they refuse to cover the accident. The car is total. I'm stuck with $26,000 totaled car and car note. The insurance agent never told me about sending photos after I pay for full coverage. Absolutely demonic.
Reviewed Dec. 5, 2023
I have had car insurance with Geico for 10 years. I ended my policy yesterday, they took out double the amount for the Premium. When I called, it takes forever to get anyone on the phone. I called and had my check them stop one check and the other I will get refunded. Don't ever go on auto-pay, they feel they can do whatever they want. They said a mistake. Will never ever use them again.
Reviewed Dec. 3, 2023
I've been a long time GEICO customer for over 30 yrs! I've never had to use them for any accidents I've caused as I have been very lucky not to cause any. I finally needed them recently and when the Claims process is completed, I will be dropping them for their competitor. For example, I give them info they request, then they call and email me for the next few days after that requesting me to repeat the same information "their system" doesn't show. It's more than aggravating, it's unprofessional incompetence! The reason it's upsetting is because it's happened 5 times for various things EVEN after they have the info, they either lose it or simply are NOT the company they used to be.
Reviewed Nov. 30, 2023
Been with GEICO for over 15 years.. I bought a new truck with full coverage. I was quoted the wrong price. I looked at other competitors and saved over $500. When I spoke to an agent I felt like they didn't care or wanted any retention. I was just another customer who left.
Reviewed Nov. 24, 2023
This is the worst insurance company ever. We were hit by someone else and the person who hit us insurance company is not cooperating, so we called Geico after 2 months of trying to call the other insurance company to get our vehicle fixed and geico wants to charge us for our rental and $1,000 to get our truck out. I pay them over $800 a month and am about to add another vehicle which means I will be paying more and everyone knows they will go after the other party's insurance and want us to pay $1500 for something we didn't do. I will never recommend this company and go find a company that has good customer service and respects their customers.
Reviewed Nov. 23, 2023
We started with Geico in April 2022 after we did an online quote. They continuously increased our premium even though we had no accidents, tickets or anything. A year and a half later they have almost tripled our original quote. Geico has no integrity when it comes to transparency. They will take your discounts away without warning. When you call for reimbursement because they didn’t communicate something regarding your policy - they do not budge. Loyalty doesn’t mean anything to them. Last of all, some of their customer service reps are smug and disrespectful. The man we spoke with was so patronizing we switched insurance carriers immediately following our conversation.
Reviewed Nov. 18, 2023
They are the best at NOT providing full enclosure which makes this the worst auto Insurance company you can get. Plus, bad customer service. I thought the medical world was bad, Geico has them beat. They had priced my policy without uninsured motorist. This is how the price was comparable to others. This is on me since I didn't look closely at the declaration. I learned my lesson. Anytime you renew look at each detail. I decided to switch the way I paid. I spent 30 mins to assure I fully understood the ramifications by paying monthly and how much each payment would be. I paid the 1st and last month. It was laid out exactly how much I would pay each month with a $5.00 service included for each month. This I understood. I decided to switch to another company 33 days later.
When I called to cancel the policy, I noticed the bill went up $650+ for 4 months and the monthly rate went up (of course). They stated I would be getting only $300+ because of the rate change. If I had called 3 days earlier this would not have been an issue because the billing would not have changed. Plus... the agent I talked to when I was going monthly NEVER told me the price change. I would have cancelled earlier and/or I would have paid in full. Once again full disclosure didn't occur. This was not on me but on the agent didn't inform me. It was an error on Geico’s part and they should pay me back based on what I was told.
I proceeded to talked to agents going up the chain of supervisors that they still owe me $250+. They just keep telling me, "There is nothing we can do." Yes, there is - create a credit for what is owed to me. Even the Medical insurance world would see their error and provide a credit, it’s called good customer relations. Geico doesn’t have a good customer relation. I’m waiting for a supervisor to return my calls but nothing is happening. Geico has put money in their pocket that is not theirs. Please provide the proper credit.
Reviewed Nov. 16, 2023
POLICY #**. I am livid. I will be writing a letter to the corp office … I have been a Geico customer for many years and have paid out more than $10K + on my Auto Insurance. I Katina ** am the Policyholder and my credentials were used to establish insurance on my vehicles. Now when I really need my Insurance company by my side, I'm getting the run around from a simple mix-up. Montoya ** (my daughter) is a rider on my policy. She drives 2015 Dodge Charger, I drove a 2021 Dodge Chargery up until 11/6/23. (claim in progress). I have had several vehicles over the life of my policy… and I have Full Coverage on both vehicles and my 6-month premium exceeds $2,200 (because of the area I reside)
I, Katina ** pays the insurance timely from MY 1st Florida Checking Acct) with the exception of a 16-hour cancellation in April 2023 due to a pay day discrepancy… However, needless to say I am still the loyal customer… I was livid to learn that MY policy does not include coverage for the 2021 car I drive… This is all the more embarrassing and I can’t begin to fathom what UNDERWRITER would write a Policy and put the vehicle of greater value as a 2nd car w/ less benefits! Now I’m stuck to fend for myself in a bad situation, no rental & no customer service etiquette from your employees after my experiencing a traumatic accident, nearly losing my life... the only thing your team could tell a customer is “there is nothing else we can do for you.” WOW… Can someone please look into my policy & see that the necessary corrections are made and contact me to advise me of my options.
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