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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?

     

    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?

     
     
    Cost of GEICO vs. Competitors
    Company Avg. Monthly Premium
    Root $56
    Auto-Owners $99
    USAA $114
    Nationwide $123
    GEICO $129
    State Farm $131
    Chubb $148
    Farmers $149
    Progressive $157
    Allstate $201
    Updated: 12/08/22.

    Dynamic auto insurance data methodology

    Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

    Average Cost of GEICO by Age Group
    Age Group Avg. Monthly Premium
    Teens $339
    20s $160
    30s $131
    40s $127
    60s $123
    50s $119
    Updated: 12/08/22.
    Average Cost of GEICO by Violation
    Accident/Violation Avg. Monthly Premium
    DUI $269
    At-fault accident - greater than $2000 $195
    Speeding 16 - 20 MPH over limit $159
    Updated: 12/08/22.

    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. 

     

    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.