Geico Auto Insurance Review for 2025 (Real Customer Feedback)

Our Geico auto insurance review found that Geico lacks the variety in coverage options as some of its competitors, but makes up for it with a long list of discounts that make coverage very affordable for most drivers.

Geico also offers online tools with its Geico Mobile app to help customers manage their auto insurance policies and file claims.

Rating Criteria
Overall Score	4.4
Business Reviews	4.5
Claims Processing	4.8
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	4.4
Customer Satisfaction	2.3
Digital Experience	5.0
Discounts Available	4.7
Insurance Cost	4.5
Plan Personalization	4.5
Policy Options	4.1
Savings Potential	4.5

Geico was initially founded to provide insurance for government employees, hence the company name of Government Employees Insurance Company, but now offers coverage to all drivers.

You should always compare quotes with multiple companies to find the right price for your budget. Start with this Geico auto insurance review to see if Geico is the right company for you. You can get free quotes today by entering your ZIP in our free tool.

Geico Insurance Rates Breakdown

Geico is usually one of the cheapest options for insurance in every state, though there are exceptions. Check below to see what Geico auto insurance rates look like for minimum and full coverage by age.

These basic types of insurance make up minimum and full coverage plans. Minimum insurance is the best option for drivers looking for affordable coverage. However, minimum insurance doesn’t work for everyone — you’ll need full coverage auto insurance if you have a car loan or lease.

Understanding your needs and budget can help determine how much insurance to purchase. It’s important to note that various factors influence auto insurance premiums, such as driving record, age, gender, and vehicle make and model.

Therefore, these premiums only serve as a general guide, and individuals should get a Geico auto insurance quote to determine how much coverage they can afford.

People with older, less valuable cars looking to save should consider their state’s minimum insurance requirements. You can customize your policy with whichever options you like. For example, many drivers get liability and uninsured motorist coverage as a cheap option that offers financial protection.

Next, let’s take a look at Geico’s rates by driving record.

Although Geico is usually one of the cheaper options for insurance, that’s usually not the case for high-risk drivers. The Geico auto insurance company tends to have some of the highest rates for people with a DUI, so make sure to compare your options to find the best auto insurance for high-risk drivers.

How Geico Ranks Among Providers

Geico is one of the largest insurance companies in America, but that doesn’t always translate to good service. When shopping for insurance, it’s always a good idea to compare multiple companies.

While comparing ratings from third-party companies or customer reviews is important, one of the best places to start is with average rates. Check below to see how Geico stacks up against its competitors.

Insurance Company	California	Texas	Florida	New York
	$210	$230	$245	$225
	$180	$195	$215	$190
	$220	$240	$260	$235
	$145	$160	$180	$150
	$235	$255	$275	$260
	$190	$210	$225	$200
	$205	$220	$240	$215
	$165	$175	$195	$170
	$215	$235	$255	$230
	$125	$140	$155	$135

Geico is close in rates to some companies, such as State Farm. Who is cheaper, Geico or State Farm? Geico is still the cheapest option on average.

For a further breakdown, take a look at average Geico rates versus the competition by coverage level in addition to gender and age.

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$248
	$32	$84

As you can see, Geico easily competes with other insurance companies. However, because driving record also influences rates, let’s take a look at Geico compared to competitors by driving record.

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$228	$321	$385	$268
	$166	$251	$276	$194
	$198	$282	$275	$247
	$114	$189	$309	$151
	$248	$335	$447	$302
	$164	$230	$338	$196
	$150	$265	$200	$199
	$123	$146	$160	$137
	$141	$199	$294	$192
	$84	$111	$154	$96

While Geico auto insurance rates are usually some of the lowest on the market, that might not be the case for you. For example, high-risk drivers can pay two to three times more for insurance from Geico than from other companies. Make sure to save money by comparing online car insurance quotes before making a final decision.

Auto Insurance Coverage Options at Geico

As one of the largest insurance companies in the country, Geico offers insurance options for every need. Whether you want to keep costs low with minimum insurance or the maximum coverage possible, Geico has the right policy for you. Geico offers the following types of car insurance:

With solid ratings and low average rates, one of the only downsides is that there aren’t many Geico auto insurance options for add-ons. Insurance companies offer add-ons so drivers can customize their policies.

Read More: What types of car insurance coverage does Geico offer?

Most companies provide at least a few, and Geico is one of them. However, Geico offers fewer options than many of its similarly-sized competitors. One crucial difference between Geico and many of its competitors is that Geico doesn’t offer gap insurance (Learn More: Does Geico offer gap insurance?). If gap insurance is important to you, Geico isn’t the right company.

If you’re unsure of how much insurance you need, a Geico representative can help. Some of the available coverages are dependent on what state you live in. For example, whether you can buy PIP or MedPay coverage depends on your state (Read More: Personal Injury Protection (PIP) and Medical Coverage that Your Car Insurance Policy will Pay For).

And while it doesn’t offer the most add-on options, Geico offers a few valuable ways to add extra protection to your policy, such as Geico’s roadside assistance comes to the rescue for situations like a flat tire, dead battery, empty gas tank, or when you need a tow (Learn More: Best Auto Insurance for Towing and Roadside Assistance).

Geico also offers mechanical breakdown insurance, which pays for mechanical problems with your car that result in a trip to the repair shop. Mechanical breakdown insurance can save you thousands in repairs but does not cover maintenance issues like worn brakes.

And while companies like Uber and Lyft offer insurance for their drivers, but there are often gaps in the coverage. Geico’s rideshare insurance coverage fills in the gaps to better protect you while you work.

Auto Insurance Discounts Available at Geico

Wondering how to get cheaper Geico insurance? Geico auto insurance quotes are usually some of the cheapest on the market, partially because they offer so many ways to save. When you shop with Geico, you’ll get low-cost car insurance with driver discounts:

Discount
Anti-Lock Brakes	5%
Anti-Theft	25%
Auto Pay	5%
Bundling	25%
Clean Driving Record	22%
Daytime Running Lights	3%
Defensive Driving Course	15%
Deployed Driver	25%
DriveEasy (Usage Tracking App)	15%
Driver Training Course	10%
Early Shopper	8%
Federal Employee	8%
Good Driver	26%
Good Student	15%
Homeownership	5%
Internet Quote	7%
Low Mileage	30%
Membership/Professional Org.	8%
Military	15%
Multi-Car	25%
Multi-Policy (Multi-line)	10%
New Vehicle	15%
Paperless Billing	3%
Pay-in-Full	10%
Restraint Device (Airbags)	23%
Student Away at School	25%
Usage-Based (Telematics)	25%
Usage-Based	25%

If you’re a cautious driver, you might be excited about Geico’s usage-based car insurance option. Geico’s DriveEasy program monitors your driving habits and produces a score that determines your car insurance rate. Along with tracking your driving patterns, the Geico DriveEasy mobile app allows you to update your policy, pay your bills, track claims, and more.

As you drive, the DriveEasy mobile app tracks things like your stop and start patterns, braking patterns, the time of day you drive, and how quickly you accelerate.

All of this information allows Geico to curate a car insurance rate appropriate for your driving style. So, if you’re looking for a car insurance provider that rewards careful driving, Geico might be the one for you. To participate in the DriveEasy telematics insurance program, download the app.

There is also a good student discount for full-time students who maintain a GPA of 3.0 or better. Geico also offers a discount on auto insurance for active duty military and veterans, as well as members of the National Guard and Reserves.

Many of these discounts are automatically applied to your policy when you sign up. Others require documentation, such as proof of your grades for the good student discount. A Geico auto insurance customer service representative can double-check your account to ensure you get every savings possible.

Customer Reviews of Geico Auto Insurance

You can find ratings of Geico auto insurance by looking at Geico Google reviews, Yelp reviews, and more. To get an idea of what customers think of Geico, look at the Reddit thread below for Geico reviews and complaints.

Business Ratings of Geico

Several companies have rated Geico for its customer service, financial strength, and more. See what scores Geico earned below.

Agency
	Score: A++ Superior Financial Strength
	Score: A+ Excellent Business Practices
	Score: 74/100 Good Customer Satisfaction
	Score: 692 / 1,000 Above Avg. Satisfaction
	Score: 0.55 Fewer Complaints Than Avg.

Geico has the highest financial strength rating of A++, or Superior, from A.M. Best, and the Geico insurance reviews from BBB are an A+ for business practices. These ratings show that Geico is well-run and able to meet its ongoing financial commitments, such as paying out claims.

Read More: How long does it typically take for Geico to process a car insurance claim?

Geico customer service ratings are also excellent, with Geico having fewer complaints than average, according to the NAIC. Consumer Reports also recently gave Geico a high score based on customer feedback.

Geico Auto Insurance Pros and Cons

What sets Geico apart is its direct-buy approach to car insurance, which eliminates the need for agents and their commissions. This results in lower rates for customers and a straightforward process for policy purchasing.

Geico is a strong choice for auto insurance, as it has affordable rates, strong ratings, and other perks. We found the best pros of Geico include:

• Discount Opportunities: Geico has numerous discounts, such as multi-vehicle car insurance discounts, with savings up to 30%.
• Customer Ratings: Geico has higher-than-average customer satisfaction ratings from J.D. Power, with a score of 692 / 1,000.
• Financial Strength: Geico has the highest A++ rating from A.M. Best.

Geico also offers perks like the Geico Skill for Alexa, which allows you to ask questions about your policy and get instant answers.

What is Geico’s weakness? While Geico is an excellent choice for most customers, the company has some drawbacks. See the main cons we found below.

• No Gap Coverage: New car owners may want to avoid Geico if they are looking for new car coverages to protect their assets.
• Some Drivers Might be Rejected: Geico may not insure high-risk drivers, such as those with multiple DUIs.

For the most part, Geico is an excellent choice of provider for the majority of drivers.

Why Geico Could be the Best Insurer for You

Our Geico insurance review found that Geico offers affordable rates compared to major competitors. The company also offers multiple discounts, ranging from good driver discounts to bundling discounts (Learn More: Can I bundle my Geico car insurance with other policies?). However, higher-risk drivers may have trouble getting insured by Geico, and Geico doesn’t offer as many add-on coverages as other companies.

For the majority of drivers, though, Geico is a solid choice with great business ratings and affordable rates on coverages. To find the best auto policy, enter your ZIP code to compare quotes from multiple reputable companies in your area.