- Many rate discount opportunities.
- High financial strength rating.
- Available in all 50 states.
- Files SR-22 forms for high-risk drivers.
- Relatively low customer satisfaction ratings from J.D. Power.
Geico car insurance review
Jerry rates Geico car insurance 5 stars out of 5. This score is the highest among insurers that Jerry rates and takes into account the insurer’s pricing, industry and consumer ratings, financial strength, and national complaint data.
Geico stands out for ample rate discount opportunities, a superior financial strength rating and wide availability both geographically and in its customer base — this insurer may provide coverage to both good drivers and those considered “high-risk.”
Geico earns average ratings in industry reports and with Jerry customers, notably scoring below average in two J.D. Power surveys. Geico’s policy customization options also aren’t as robust as some of the company’s competitors.
Geico has been in the car insurance business for more than 80 years. The insurer provides coverage in all 50 states and drivers can buy a policy online, over the phone or with a local agent.
Learn more: Best car insurance companies
Is Geico a good insurance company?
Geico may be a good choice for those who qualify for one or more of the insurer’s many discounts. The company’s high financial strength rating also makes it ideal for drivers seeking a stable insurer. However, drivers seeking a tailored policy that includes coverages such as rideshare, pet injury or gap insurance may be better served by another insurer.
It’s best to compare Geico with other insurers to find the coverage you want at the lowest price.
How much does Geico car insurance cost?
Geico may offer affordable premiums to drivers with clean records. Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy, and the amount of coverage you want.
Geico car insurance discounts
Geico offers more than a dozen car insurance discounts. You can get a reduced rate for:
- Insuring multiple vehicles on your policy.
- Having multiple policies with Geico.
- Having airbags, anti-lock brakes, an anti-theft system or front lights that stay on during the daytime.
- Having a new vehicle.
- Being accident-free for at least one year.
- Completing a defensive driving course.
- Having a young driver complete a driver’s education course.
- Insuring a full-time student with a good academic record.
- Being an active-duty or retired military member, or a member of the National Guard or Reserves. Policyholders who are deployed to dangerous territories may be eligible for an additional discount.
- Being an active or retired federal employee.
- Being a member or employee of Geico’s partner organizations, including some colleges and companies owned by Berkshire Hathaway.
Does Geico offer insurance based on driving behavior?
Yes. The insurer’s DriveEasy program rewards safe drivers with lower premiums and is available in many states. The program tracks participants’ driving via a smartphone app. It considers the following behaviors:
- How often the driver uses their phone while driving.
- Instances of braking and accelerating quickly.
- How fast the driver takes corners.
- Consistency in speed.
- Instances of driving late at night.
- Distance per trip.
- Consistency in driving routes.
DriveEasy gives participants a score based on those factors. A higher score has a better chance of reducing your rate.
Geico car insurance coverage options
Like most insurers, Geico offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.
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Coverage definitions
Geico also offers the following coverage options:
- Emergency road service, which covers roadside assistance for things like flat tires, dead batteries, lockouts and towing.
- Rental reimbursement helps cover a rental car while your car is out of commission.
- Mechanical breakdown coverage is similar to a warranty, but helps pay for repairs to new or leased vehicles, including parts that aren’t covered by most dealer warranties.
Industry ratings of Geico car insurance
Geico has an average rating across industry reports but stands out for a low number of consumer complaints and an exceptionally high financial strength rating.
| Rating | Geico’s score |
| NAIC consumer complaint index | Moderately low. |
| CRASH Network report card | C-. |
| J.D. Power auto insurance shopping study | No. 14 of 17. |
| J.D. Power auto insurance claims study | No. 14 of 21. |
| AM Best | A++. |
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NAIC details
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CRASH Network details
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J.D. Power details
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AM Best details
Customer reviews of Geico
Thousands of Jerry customers have used and reviewed Geico’s auto insurance products and have given the company a solid overall score.
How to contact Geico
Geico’s contact web page directs consumers to self-service as much as possible. Customers can report incidents, track claims, get quotes and view policy documents at https://www.geico.com/contact-us/. Policyholders can also submit claims, get roadside assistance and make payments on the company’s well-rated mobile app.
To reach a customer service representative, call 800-207-7847.
FAQ
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Does Geico car insurance cover rentals?
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How do I file a claim with Geico?
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How do I lower my Geico car insurance costs?
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.
