GEICO Reviews

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About GEICO

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
  • Affordable policies
  • Several discount options
  • Intuitive website and app
Cons
  • Can be pricey for high-risk drivers
  • Few local agents

Helpful Reviews

Clinton Township, MI
Verified purchase
My vehicle was in the shop two weeks for a fender bender due to Geico being unreachable to resolve the additional funds needed to repair the vehicle. Multiple calls by myself and ...

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Upland, CA
Verified purchase
GEICO exceeded my expectations in terms of efficiency and customer service. The combination of quick responses, thorough assistance, and effective communication made a potentially...

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What is GEICO auto insurance?

GEICO is an insurance company that has 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 car insurance, rates vary depending on a number of factors. The company considers your age, location, driving history, gender and more when calculating your rate. To get an accurate quote, reach out to GEICO online or over the phone.

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
  • Military
  • Multivehicle
  • Multipolicy

GEICO FAQ

Does GEICO offer classic car coverage?

Yes, GEICO does offer coverage for classic and antique cars. The company has specific criteria for this insurance.

Does GEICO have a safe driver discount?

Yes, GEICO offers discounts for safe drivers, as well as a program called DriveEasy, which uses an app to track your driving. With this app, you can save up to 25%, depending on your driving habits.

Does GEICO have full coverage plans?

GEICO claims there’s no single definition for full coverage insurance. Instead, it emphasizes tailoring coverage to meet your specific needs. GEICO offers vehicle, liability, medical, uninsured motorists and more coverage to meet your needs.

How long is a GEICO quote good for?

GEICO doesn’t specify how long a quote is valid; the length of time varies from provider to provider. Some quotes last for 30 days or more, and some companies update quotes in real time, meaning they could change at any point.

How much does GEICO auto insurance cost per month?

Your monthly car insurance rate will vary depending on a number of factors. GEICO will base your policy cost on your vehicle, location, driving history and more, so there’s no way to know your exact monthly rate unless you reach out for a quote.

Still have questions?

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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GEICO Reviews

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    Page 1 Reviews 0 - 25
    Staff

    Reviewed May 26, 2026

    My car got hit by a GEICO policyholder. The two ladies that helped me were named Shelby and Mackenzie and they were so nice and got my business situated!!

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    Customer ServiceStaff

    Reviewed May 21, 2026

    I cannot say enough good things about GEICO. I had a minor accident, they called 2x just to make sure I was ok, they arranged the body shop and the rent a car while being knowledgeable and extremely friendly. I am proud to be a customer of 24 years. Thank you for the service

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      CoverageStaff

      Reviewed May 14, 2026

      GEICO's medical adjuster Joseph has been helping me navigate my first accident where I needed to use PIP coverage. Crash-related injuries and anxiety make the entire process seem so large and overwhelming, to say nothing of the deadlines where you should get your paperwork in as soon as you can, but you feel like you also shouldn't make any mistakes under that pressure either! Joseph was very polite and patient with me and clearly explained my benefits and answered the questions I had about the forms I needed to fill out. That certainly took a weight off my shoulders, so thank you, Joseph!

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      CoverageStaffHonesty & Transparency

      Reviewed May 9, 2026

      I feel deceived by the insurance company's attorney, who wrote untruths regarding an incident for which I bear no responsibility. The company lied claiming they did not have the data. Is the only reason to study law to learn how to lie? Does this country offer no opportunity to earn 5000? What kind of future awaits our children if the law is applied in this manner? Why we must pay insurance if we can not trust them because they lied.

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      Staff

      Reviewed May 1, 2026

      Mickey was Amazing! Very helpful and patient. Thank you.

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      Reviewed July 1, 2026

      I contacted GEICO as a 10+ year customer with home insurance, multiple vehicles, military/veteran status, and no accidents or tickets. The chat began around 12:30 p.m.; by 1:09 p.m. I was still waiting for a supervisor after working with Lora R. Supervisor Samantha P. joined at 1:31 p.m., and the issue was still ongoing after 2:20 p.m.

      The experience showed poor training and unclear customer-service handling. Lora R.’s explanation of rate increases made it sound like clean-record customers are penalized for other GEICO customers’ claims. Samantha P. was dismissive and required repeated follow-up for the exact monthly payment, effective date, and confirmation that no monitoring/DriveEasy program was added. The chat transcript should be used for training on clear billing communication, job limitations, and how to treat long-term customers. This was an unfortunate example of how GEICO can lose loyal customers.

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      CoverageSales & MarketingPricePunctuality & SpeedStaffBillingRates

      Reviewed June 29, 2026

      I get that I live in state where greed is normal but to keep jacking my payments up is a disgrace. I am in late 60's, clean record, car is 8 and paid off, travel less than 200 miles per month. My rates just hit $1800 for a 6 month policy. Been a loyal customer for 10 years. They suggested that I spend $20 and take a driver safety course and then over a three year period they could discount a few measly bucks. What a bunch of crap. Happy to say I found a much cheaper company with much better coverage. If you have Geico, check your payments!!!

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      Punctuality & SpeedStaff

      Reviewed June 27, 2026

      My mom was in an accident which was not her fault. The driver of the other vehicle has GEICO. GEICO was awful with use of a rental vehicle. The same week of the wreck her mother passed away. The adjuster only extended the car rental by one or two days which was not giving her enough time to take care of the affairs and purchase a vehicle. She needed another 2 weeks but was continued to be denied. We even offered the death certificate for proof. It amazes me there were no willingness to work with her and being bullied where she felt like she had no choice but to buy a vehicle quick so she can settle up and have a vehicle to drive. The money that was given at the beginning was for pain and suffering which needs to be reevaluated due to the stress she was put thru. I will never recommend GEICO to anyone. Thank you!

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      Customer ServiceContract & TermsPriceBilling

      Reviewed June 27, 2026

      With no claims, no accidents, no tickets, and timely payments, GEICO increase my premium by 100% in under four years. They also charged me for roadside assistance when their fraudulent service can’t be bothered to even answer the phone in an emergency! Customer service is nonexistent.

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      Customer ServiceCoverageMaintenanceBilling

      Reviewed June 26, 2026

      Geico Glass Claim standard states: Damage has to be smaller than a dollar bill and it is covered period. I have a small chip caused by a passing vehicle right in view, white in the center and sharp, will cut your finger. Geico did approve the glass claim, Safelite would not come out, moved to Glass Pro per Geico recommendation, Glass pro says it is a valid claim, Geico used AI system to review it this time and now that system says glass chips/small breaks are "wear and tear", so it closes the claim and Geico will not process the claim, adjuster Philip will not call me, has not returned 4 calls since 6/8, horrible service, been with them since 1987, house, rv, and 4 vehicles, never a fault accident claim filed, will switch companies in November, avoid Geico, they have zero respect for veterans also

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      Customer ServiceCoverageRefunds & Payouts

      Reviewed June 24, 2026

      Somehow I got hit by Geico’s insured and I have to pay out of pocket to get an OEM back bumper. Tell me how that makes sense. They would only cover an after market. The person I tried reaching out to from their damage adjuster team never answered as well.

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      Sales & Marketing

      Reviewed June 24, 2026

      Very obscure, targeting service leading to financial problems. Learn SCAM and Fraud with GEICO!

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      Customer ServiceCoverageSales & MarketingPunctuality & SpeedOnline & AppRefunds & PayoutsStaffBillingTransparencyCommunication

      Reviewed June 23, 2026

      The customer service, professionalism, timeliness, and attention to detail is nonexistent. My car was stolen in mid-April and it is now June 23 and I’m still dealing with my claim. The communication with everyone in this company was initiated by me, no adjuster or employee called me first. Throughout the time of the claim I have only have spoken to my assigned adjuster Aden ** twice. Every attempt to talk to him goes unanswered, whether by phone, voicemail, or in app messages. Every time I would call trying to get an update on my claim, a different agent would get me transferred to Aden who would never answer. After dozens of phone calls trying to get an answer, I was finally contacted to Michelle who was able to give me the Market Valuation for my vehicle to redeem my car a total loss.

      Apart of the valuation, I was told that part of the payout would need to be paid out from a previous claim from 2023 for Hail damage and that money would be part of the value of my car. I received the partial payout for my vehicle via ACH deposit for the total loss and I contacted the Hail Damage team for the check. They sent me a check issued to me and Kia Finance who had the lien. I then provided Kia with the check and insurance appraisal documents for them to endorse the check but Kia Finance is refusing to sign the check because they want more documentation. I have been trying to reach out to the adjuster Tami who was assigned to the Hail Damage claim but instead she is unprofessional sending me a message saying, “I don't know what I can do, but I will ask a supervisor”. That response was on June 11 and I have not received any follow up.

      I messaged her again on June 17 asking for a follow up and have not received any response. Talking to multiple agents throughout different departments days on end, I can say there is no communication between employees and customers. No one seems to know anything and only one person can do a task. The sheer number of times I was told I had to speak to Aden is ridiculous, like I’m calling in because it’s been 3 weeks since any communication. I really feel like I have done more work than any employee I spoke to because I have been the one to get the ball rolling. Not Aden nor any employee I have talked to. I have spent the last two months stressing and calling trying to get answers but none of these employees care or want to answer the phone. I was in a rental car for five weeks until I was paid out and able to get another car.

      Geico only paid for 3 weeks and then refused to pay for the remainder even though my rental coverage did not reach $1,500. Additionally, Aden didn’t do his job in ensuring that the rental authorization was provided to Enterprise. When the claim first happened, Aden told me I have 10 days to upload the required documents to the app, in which I did. According to him, once I did the rental would be good until I was paid out. This man never extended my rental, instead I was contacted by Enterprise for payment and had to put my credit card on file until was able to contact Geico and get a rental authorization. It took multiple agents before I found one to assist in getting an extension. Although Geico dropped the ball and working on my claim like they should have, I was the one having to pay out of pocket.

      Weeks without any communication is unacceptable, especially when I’m being told that I can’t get new car until I’m paid out and the investigation is over. For this claim, I am losing out on $4.8k because the check can’t be endorsed and Geico is no help in getting this resolved. Additionally, I have been receiving mail from a tow yard where the vehicle was taken after found. If it wasn’t for me contacting and uploading the two documents to show the invoice and data I received, Geico would have never known where the vehicle was. I was also told by Geico when I provided them that information about where the Kia was, that would be contacting me to get any belongings from the vehicle. It has been like 3 weeks with no communication.

      I am sure I’m missing things because the list of why I canceled my policy last week with Geico includes other things. I’m just over a company who gives me the runarounds and doesn’t know how to communicate. They are so quick to take your money for payments but when something happens and you need to complete a claim, the service is horrible. I wouldn’t recommend Geico to anyone.

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      Customer Service

      Reviewed June 18, 2026

      Without a doubt must have worse customer service there is! For someone who has been a loyal customer for over 25 years disgrace, I would never ever recommend them to anyone. You pay them a lot of money and they give you less than a peanut when you have an emergency.

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      Customer ServiceCoveragePriceRefunds & PayoutsStaffValue

      Reviewed June 18, 2026

      My experience with GEICO was awful, unprofessional and the agent, Scott P was extremely difficult to work. His goal was to save the company money. That's it. There was no concern for the customer and no professional accountability towards the auto body shop that I chose. A basically minor repair turned into me being without my car for 22 days. My contact with customer service agents at Geico was very good. The adjuster never went out to look at my car and then argued everything. He wanted to order by the shop to put in cheap parts when my car had all original Toyota parts and that's what I expected in return. My car was sitting there ready for 5 days and I couldn't pick it up because of the back and forth over money.

      At one point Scott asked me to just pay the difference. There's no way I was paying for the difference when it was there and short that was at fault. Geico is not my insurance company and would never be. I don't know how much money people save by using them but it is so not worth it. In the span of 3 days I spent close to 6 hours on the phone. There is no excuse for such an very poor interaction with them. The stress it caused me was absolutely ridiculous. Got to do not care how inconvenienced I was. They should be the poster child for bad business. So relieved this is over.

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      Refunds & PayoutsRates

      Reviewed June 17, 2026

      25 years with GEICO but they turned into a terrible company. Got the run around on my claim and not paying for some repairs and increased my rates for hail damage and now it's all AI. Wouldn't recommend them to anyone. Crappy service.

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      Customer ServicePunctuality & Speed

      Reviewed June 17, 2026

      GEICO is one of the worst companies I’ve ever dealt with trying to cancel a policy. You wait on the phone for an hour just for it to either hang up or transfer you somewhere else. They also want to know 1000 different reasons why you’re canceling. I’d rather pay more than have to deal with this hassle.

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      Customer ServiceCoverageSales & MarketingOnline & AppStaffTransparencyHonesty & Transparency

      Reviewed June 16, 2026

      GEICO is good until you actually need something. I received a letter in the mail stating that GEICO did not report my updated insurance & I'd have to pay a $500 file including a suspension on my car registration. When I tried to call, the operator was sooo useless & couldn’t get me over to anyone because it didn’t understand what I was trying to say. When I REPEATEDLY asked for customer service, they still didn’t allow me to get over, even though I explained my situation 5 times.

      When I messaged customer service to call me, Jennifer said they don’t make outbound calls … That’s ridiculous. Also the app kicked me out of the chat immediately when leaving the app to send an email Jennifer requested. I had to get reconnected with another rep and start from scratch. Since GEICO ONLY allows things done online, this process took so long and was honestly more painful than I ever could imagine. This is just another business who’s making millions of dollars a day but can’t provide a helpful experience to their paying customers.

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      CoveragePriceRefunds & PayoutsStaffBilling

      Reviewed June 16, 2026

      I have been with this company for 14 years. They recently increased my premium over 60% due to someone using my car and getting into an accident in it. My good drivers coverage was taken away. All I was told by a representative was that they could decrease my monthly payment of now $260 for a car over ten years old to $260 and that's it. Geico has just become a name now. I say for anyone out there State Farm does the same thing as geico and when needing to talk to someone for claim purposes I am able to talk to a person. I'm switching today. Loyalty means nothing to anyone now a days all people care about is money this is sad.

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      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedOnline & App

      Reviewed June 14, 2026

      I'm waiting on hold to CANCEL MY POLICY. It's been TWO HOURS!!! Seriously. So much for customer service. They won't let you cancel via the app, which is worthless.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed June 12, 2026

      Actively looking for another company after 30 years with GEICO. I am not able to navigate mobile apps and websites and getting to a LIVE CUSTOMER SERVICE AGENT is a thing of the past. Multiple minutes to just get put on hold and than more than a 20 minute wait for someone to answer the phone. GEICO is no longer customer focused and I prefer a company that is.

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      Sales & MarketingStaff

      Reviewed June 12, 2026

      If I could leave a zero star review I would. My credit was pulled without my authorization and I can't even get a hold of anyone to tell them that what they did was ILLEGAL and that I do not want anything like this to happen again. What a shame to see how a company knows that what they provide is a scam, but they don't care because they figured out a way to take people's money.

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      Customer ServiceSales & MarketingPunctuality & SpeedOnline & AppBilling

      Reviewed June 11, 2026

      Had policy for 3 years. No issues. Bank issues new card. I call in, make the payment, add new card. Simple quick done. Then I was sent a cancellation notice. I go through my bank for payment since September, all paid. I check the app, showed no mailing, as well as current on payment. I call and the cancellation notification on my account can't be removed, only noted. This looks horrible on my policy and the mistake was GEICO and not myself. This is a very good reason to leave now before any other loopholes to their advantage wreck my record with. Have several seats, I'll be contacting other agencies for this gross mischaracterization of my policy. This won't garner a response.

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      CoveragePriceRefunds & PayoutsStaff

      Reviewed June 11, 2026

      After a decade of coverage for both our car and our renters insurance, I had a minor fender bender with the planters on the cart return at Lowe’s Foods, near our house. Now our premium has been increased by 150% from that one incident, that harmed no other drivers and required no payout for injuries. The planters have since been removed from Lowe’s. Surprise surprise… and now we are being punished, after paying our deductible and being loyal customers for so long.

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      PricePunctuality & SpeedRates

      Reviewed June 11, 2026

      Geico is easy to get but much harder to get rid of. After 6 months, they went up in my policy ...$40. So I went shopping...State Farm half the price. I'm still waiting 25 min. to actually speak with someone at Geico, as the law requires to cancel.

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      Customer ServiceCoverageStaff

      Reviewed June 10, 2026

      If I can give this POS insurance no stars I would. My son’s car got keyed at his gym by girl he turned down. We called this POS insurance, everything was going fine until they started questioning the validity of our claim. First, they said my son ran into bushes, we are like, "WTF?!?!" Second, they wanted our phone records to determine if my son was driving, and was distracted. We are like, "Hell no!! We aren’t giving you that!!!" We tried calling them, kept giving us the run around, left messages. No call back, Now, the body shop is calling because this POS insurance isn’t paying them. PLEASE GO TO ANOTHER INSURANCE CONPANY, THESE POS INSURANCE ISN'T PROFESSIONAL NOR CARING. We went with Liberty Mutual, and they are way better than Geico’s fake ass.

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      Customer ServiceCoveragePriceMaintenanceRates

      Reviewed June 9, 2026

      I had my enclosed trailer, my boat trailer and my boat got damaged by a Geico customer, my trailers were legally parked. It took over 2 months for Geico to pay damage on my enclosed trailer, nowhere near to what a trailer repair company were going to charge me to fix my trailer. My other trailer and boat were not included, Geico told me that they were only 80 percent responsible, how in H--L am I responsible for 20 percent, STUPID. I just gave up with their customer service. Good luck, people with Geico. I rate Geico a -0.

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      Customer Service

      Reviewed June 9, 2026

      Worst company to deal with and the customer service is absolutely horrible with nothing but transferring calls with no answers.

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      PriceRates

      Reviewed June 8, 2026

      I was shopping for car in in their side, I found a great price, so I fill up all the information. My total amount at first was 900 dollars, when I was about to finalize my quote to pay went up to 1345 dollars, nice try GEICO, I just got a better deal. Not coming back.

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      Customer Service

      Reviewed June 6, 2026

      I wish I could give a zero. We had someone hit us with state minimums, so I had to report to Geico, but the claims dept is the worst. No call backs after 3 weeks, claims being denied, being treated like I was the one who caused the accident, and pure stress adding to the emotional distress we are already in.

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      GEICO Company Information

      Company Name:
      GEICO
      Website:
      www.geico.com