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GEICO insurance at a glance

 

Pros Cons
  • Earned high marks in The Zebra's customer satisfaction survey.
  • AM Best touted the company's financial strength.
  • Wide geographic availability.
  • Plentiful opportunities for savings, including multi-line bundling discounts. 
  • GEICO is among the cheapest car insurance companies, but USAA may best GEICO's rates for those who qualify. 
T-3 for overall home and auto satisfaction
Tied for 3rd in overall customer satisfaction

4.4/5 – GEICO placed in a tie for third for overall home and auto insurance customer satisfaction in The Zebra's survey of 15 major insurers. 


GEICO car insurance review

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5.0 Rating from The Zebra Question mark icon

Established in 1936, GEICO is the second most popular insurance provider in the U.S. GEICO offers a wide variety of insurance products, including auto and motorcycle coverage. 

While GEICO is known for offering cheap car insurance rates, its low premiums don't necessarily lead to poor customer service. Read on to explore the ins and outs of GEICO auto insurance.

  • The Zebra Customer Satisfaction Survey — 4.4/5: GEICO was among the best-rated auto insurance companies in The Zebra's 2021 customer satisfaction survey, incorporating a variety of topics.
  • Claims satisfaction (J.D. Power) — Average: J.D. Power rated GEICO as average in overall claims satisfaction.
  • Customer satisfaction (J.D. Power) — Average: GEICO earned average results in J.D. Power's 2021 study on insurance company customer satisfaction. 
  • Financial strength — Superior: GEICO has a superior financial strength rating from AM Best — so policyholders need not worry about the company's ability to pay out your claim.
  • NAIC Rating — Average: An NAIC complaint rating refers to the total number of consumer complaints received. GEICO finished around average in this metric.
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Where is GEICO insurance available?

Insurance company States Available
GEICO AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

GEICO insurance policies are available in all 50 states and Washington, D.C. 

 



GEICO car insurance coverage options

GEICO offers each of the standard car insurance coverage options:

Let’s review some of the unique features of GEICO's auto insurance product.


Emergency road service

If you have comprehensive coverage, you can add GEICO’s roadside assistance. With this coverage, you are able to get help for the following:

  • Jumpstarts for dead batteries
  • Labor to change a tire
  • Lockout services

Rental reimbursement

This optional coverage handles the costs if your vehicle is undrivable due to a covered claim. By insuring against only "covered claims," GEICO excludes normal wear-and-tear or mechanical issues. This will provide you with a rental car for a certain number of days based on your coverage.


Mechanical breakdown insurance

GEICO is one of the few car insurance companies offering mechanical breakdown insurance (MBI). MBI acts as an extended warranty, covering your vehicle in the event of myriad mechanical failures that are excluded from coverage on a standard car insurance policy. This excludes damage occurring in a car accident. MBI is subject to a deductible.


Accident forgiveness

GEICO offers accident forgiveness as an optional policy add-on. With this coverage, your rate won’t increase after your first at-fault accident. GEICO’s accident forgiveness works on a per-policy basis, meaning only one use per policy period.


GEICO rideshare insurance

If you drive for a rideshare company like Uber or Lyft, GEICO offers insurance coverage to make sure your vehicle is fully covered.

Below are other companies to which GEICO’s rideshare coverage applies:

  • Amazon Flex
  • Grubhub
  • DoorDash
  • Instacart
  • Postmates
  • Uber Eats

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GEICO car insurance discounts and reward programs

GEICO offers many discounts for young and experienced drivers alike.

Below are GEICO's top discounts.


Discounts based on the vehicle:

  • Airbags: 25-40% savings
  • Anti-lock brakes: 5%
  • Anti-theft system: 25%
  • Daytime running lights: 1%

 

Discounts based on the driver:

  • Good driver: up to 26% — If you have a clean driving record for at least three years, you can earn this good driver discount.
  • Seatbelt use: 15% — This discount applies to your medical coverage or personal injury coverage. If you and your passengers always wear your seatbelts, you can earn up to 15% off.
  • Good student: 15% — If you or your student is aged 16 to 24 and has a GPA of 'B' or better, you can earn up to 15% off.
  • Driving education course: variable discount — If you’re a young driver, completing a driver's ed course can earn you a discount on most policies.
  • Defensive driving: varies by state — If you’ve completed an approved defensive driving course, you can receive a discount on your insurance policy.
  • Emergency deployment: 25% — If you’re in the military and are deployed, you can receive a discount that applies to your entire auto insurance policy.
  • Member and employee discounts: variable — Certain employers and memberships have relationships with GEICO which can earn you a discount. These can be based on occupation — such as police officers and firefighters — or alumni organizations.
  • Military discounts: 15% — Active and retired military members can earn up to 15% off an insurance policy with GEICO.
  • Federal employee discount: 8% — If you’re an active or retired federal employee, you qualify for the eagle discount by GEICO. In order to qualify, you need to be a GS-7 or above. This is available in most states.
  • Senior driver discount: discount varies — If you are over age 50, have been accident-free in the past three years, and have no drivers younger than 25 on your policy, you can qualify for this discount.

 

Discounts for bundling or insuring multiple cars

  • Multi-policy discount: variable — Having more than one policy -- such as your auto policy and homeowners insurance -- with GEICO can earn you a bundling discount. Bundling is a great way to get lower insurance rates. GEICO offers a number of such options, including bundling home and auto, renters and auto, or condo and auto insurance policies. The benefits of bundling insurance also include added convenience. Bundling your home policy and auto insurance can simplify your monthly bills. Check with an insurance agent to see about having your insurance needs met by the same company.
  • Multi-vehicle discount: 25% — Insuring more than one vehicle with GEICO can earn you up to 25% off your entire policy.

 

GEICO telematics and mobile app


GEICO DriveEasy

Varies. DriveEasy is GEICO's telematics program, which gives you a driving score based on your driving habits. Once the mobile app is downloaded on your smartphone, it detects and tracks your movements and evaluates your driving skills to help encourage you to be a better, safer, and more defensive driver. It could be a good option for teens and other young drivers in the family.

GEICO insurance bundling options

In order to qualify for multi-policy discounts, you can bundle your GEICO auto insurance policy with one or more other insurance products. The insurance company offers several types of insurance that can be bundled under one policy agreement.

 

Additional insurance products offered by GEICO

Two or more products can be combined to create a bundle.


How much does GEICO car insurance cost?

GEICO vs. Auto Competitors.jpg
Insurance Company Average Monthly Cost
Progressive $104
Allstate $170
Farmers $131
GEICO $94
Nationwide $90
State Farm $108

 

GEICO vs. Competitors by Age Group.jpg
Insurance Company Teens 20s 30s 40s 50s 60s
GEICO $259 $117 $97 $93 $87 $88
Progressive $425 $137 $120 $99 $90 $93
Allstate $491 $209 $169 $167 $157 $158
State Farm $281 $142 $106 $104 $98 $96

 

GEICO vs. Competitors by Violation.jpg
Insurance Company Speeding Ticket At-Fault Accident DUI
Progressive $148 $181 $153
Allstate $222 $237 $356
GEICO $137 $164 $229
State Farm $130 $135 $157

 

Where is GEICO auto insurance cheapest?

Among the 50 states in which GEICO car insurance is available, the following 10 states rank as the least expensive for GEICO policies:

State Average Monthly Cost
Wisconsin $45
Arizona $55
New Hampshire $59
Ohio $62
Iowa $67
Utah $68
Maine $69
North Carolina $71
Colorado $72
Illinois $72

 


GEICO homeowners insurance review

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4.0 Rating from The Zebra Question mark icon

Although GEICO's homeowners insurance market share is not as large as its auto insurance footprint, it remains a major player in the industry.  

The company works with an array of partner insurers to provide coverage across the U.S. Because GEICO sells policies through partner carriers, customer experiences and rates offered may vary quite widely. The Zebra's customer satisfaction survey found GEICO customers were relatively happy with their experiences, citing the company's trustworthiness and ease-of-use as potential strong points. 

The primary benefit of acquiring a homeowners insurance policy through GEICO could be securing bundling savings. Since the company's auto insurance offerings are so popular, this is a common choice. 

The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance products earned a solid score in The Zebra's 2021 customer satisfaction survey.

Claims satisfaction (J.D. Power) – Not rated 

Customer satisfaction (J.D. Power) – Not rated 

Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing. 

NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.

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GEICO home insurance coverage options

Homeowners insurance sold through the GEICO Insurance Agency will cover a few common items: 

 

Personal property

GEICO provides protection in the event any of the below are stolen or damaged:

  • Furniture
  • Clothing
  • Appliances
  • Dishware (in some cases)
  • Jewelry priced between $500 and $2,000

 

Property damage

In the below circumstances, GEICO home insurance will step in to provide protection:

  • Fire
  • Wind
  • Hail
  • Water damage (unless excluded)

A GEICO policy may also cover personal liability, medical bills or other expenses. 

 

 

GEICO home insurance discounts


Below are a few common discounts GEICO may offer through partner homeowners insurance companies.

  • Home security system: Discounts are available for in-home home extras such as burglar alarms.
  • Bundle home and auto: Bundling home and car insurance can earn you a discount. 
  • Smoke detector and fire extinguisher: These safety features could result in a home insurance price break.

 


Key Customer Satisfaction Survey findings — GEICO insurance

 

Overall takeaways

Auto insurance

The Zebra's survey collected opinions on leading insurance companies from consumers. We asked customers to grade their carriers' online experience, claims satisfaction, ease of use, customer service, trustworthiness and their willingness to recommend the company to others.

GEICO auto insurance placed in a tie for third overall (out of 15 carriers), earning high marks for its ease of use and customer service, with consumers also expressing high willingness to recommend GEICO products to others. 

 

Homeowners insurance

Customers who worked with the GEICO Insurance Agency reported high levels of satisfaction with online service and the company's overall ease of use. The home insurance customers most likely to recommend GEICO fell into two age groups: 20-to-29 and 60-to-69. 

 

Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by the independent research firm Maru/Blue in 2021.

GEICO survey highlights

Survey highlights

  • GEICO auto insurance graded out highest with drivers in the Boomer generation (4.7 out of 5.0 stars), while Millennial customers reported less-favorable experiences with the carrier.
  • Homeowners and renters alike had good things to say about GEICO auto insurance, perhaps due to policy bundle savings. 
  • Tech-savvy insurance shoppers should consider GEICO: the company earned top marks for customer satisfaction with its online services. 

 

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.