GEICO is one of America's most popular insurance companies for a reason: it combines affordable rates with well-regarded customer service and A-to-Z coverage options.
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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.
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.
| 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 offers each of the standard car insurance coverage options:
Let’s review some of the unique features of GEICO's auto insurance product.
If you have comprehensive coverage, you can add GEICO’s roadside assistance. With this coverage, you are able to get help for the following:
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.
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.
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.
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:
GEICO offers many discounts for young and experienced drivers alike.
Below are GEICO's top discounts.
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.
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.
Two or more products can be combined to create a bundle.
| Insurance Company | Average Monthly Cost |
|---|---|
| Progressive | $104 |
| Allstate | $170 |
| Farmers | $131 |
| GEICO | $94 |
| Nationwide | $90 |
| State Farm | $108 |
| 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 |
| 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 |
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 |
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.
Homeowners insurance sold through the GEICO Insurance Agency will cover a few common items:
GEICO provides protection in the event any of the below are stolen or damaged:
In the below circumstances, GEICO home insurance will step in to provide protection:
A GEICO policy may also cover personal liability, medical bills or other expenses.
Below are a few common discounts GEICO may offer through partner homeowners insurance companies.
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.
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.
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.
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.
