CarInsurance.com Insights
- GEICO offers affordable insurance coverage, with low average rates for full coverage car insurance.
- Service is available in all 50 states plus Washington, D.C., along with a wide range of potential discounts, especially for military and government employees.
- GEICO does not offer certain coverage options that can be found elsewhere, such as rideshare insurance or gap coverage.
You probably know GEICO as the car insurance company whose chief spokesman is a lizard with a posh accent. As one of the largest insurance companies in the U.S. (under its parent company, Berkshire Hathaway), GEICO offers coverage to drivers in all 50 states, as well as Washington, D.C.
The company’s average premium rates are on the low side, according to our rate analysis and there are numerous savings opportunities, especially for military members and their families.
GEICO received a score of 4.50 out of 5 in our 2026 study of the Best Car Insurance Companies, ranking second among the insurers we evaluated. We surveyed current GEICO policyholders to gather their experiences with the company.
We researched the company’s financial strength, claims process and other factors to help you decide whether GEICO is the right insurance company for your needs.
At a glance
Pros
- Low average rates compared to other insurers
- Multiple discount options for military members and government employees
- Top-rated app and other digital tools
- Available in all 50 states
Cons
- Rates could increase with DriveEasy program if you have poor driving habits
- Does not offer rideshare insurance or gap insurance
- Strong digital focus may not be suitable for those who prefer phone or face-to-face busines
- Not all discounts are available in every state
Who is GEICO best for?
GEICO began as the Government Employees Insurance Company, offering insurance to federal employees and military officers. Today, GEICO is best for affordable coverage and military discounts.
There are dozens of ways to save on your premiums, including discounts for military members and federal employees, deployment discounts and affinity discounts for members of the Navy League of the United States and the U.S. Naval Institute.
How much does GEICO car insurance cost?
The average monthly premium for full coverage car insurance with GEICO is $147 or $1,764 per year. That falls in the middle range of the insurers we evaluated. Your car insurance rates will vary based on your individual circumstances and driver profile, including the car you drive, where you’re located and whether you’ve had any tickets, claims or accidents recently.
GEICO average annual rates for teens ($5,049), young adults ($2,647) and seniors ($1,787) were also ranked in the middle of the pack, neither the highest nor the lowest. For state minimum liability coverage with GEICO, the average annual rate was $412 – the second-lowest after Erie Insurance and Auto-Owners.
| Company | Full coverage monthly cost |
|---|---|
| Allstate | $267 |
| Farmers | $257 |
| American Family | $159 |
| GEICO | $179 |
| Nationwide | $205 |
| Progressive | $223 |
| State Farm | $239 |
| Travelers | $175 |
| USAA* | $131 |
*USAA is only available to military community members and their families.
Speak with a friendly agent and get your quote in minutes!
GEICO discounts and savings
GEICO stands out for the vast variety of discounts it offers. In addition to military discounts and discounts for federal employees, GEICO also offers many other ways to save, including:
- Vehicle equipment discounts (for anti-theft devices, anti-lock brakes, daytime running lights)
- Good student
- Student away at school
- Clean driving record
- Defensive driving
- Driving training course
- New vehicle
- Multi-vehicle
- Multi-policy
- Paperless statements
- Paid in full
- Autopay
- Early shopper
- Internet quote
- Homeowner
- Deployment
- Affinity
If you use GEICO’s DriveEasy telematics program, you may be able to save at policy renewal time. DriveEasy tracks your driving behavior over time using the GEICO mobile app on your phone. The better your driving habits, the higher your DriveEasy score and a good score can help lower your premiums when it’s time to renew your policy. If you have risky driving habits, such as hard braking or using your phone while driving, you may see a higher rate, depending on the state you live in.
DriveEasy is available in most states except for California, Hawaii, Maine, New Hampshire, Rhode Island and Vermont.
Coverage options
GEICO offers the standard coverages often required in most states:
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage or medical payments coverage
These coverages pay for injuries or property damage that you cause. GEICO also offers coverage that may be required if you’re leasing or financing your car, including:
- Collision, which pays to repair or replace your car after an accident
- Comprehensive, which pays to repair or replace your vehicle after covered damage like hail, falling objects, theft or fire
For even more protection, you can add the following coverages:
- Emergency roadside service
- Rental car reimbursement
- Mechanical breakdown insurance
My experience getting a quote
Getting a quote with GEICO was very fast and straightforward. I’ve been a GEICO customer before, so I knew to expect a streamlined quote experience.
After entering my name and address, GEICO was able to find the vehicles associated with my address.
I then had the opportunity to explore military or government-related discount opportunities, but they did not apply to me.
GEICO also offered a long list of potential affinity discounts based on membership in groups such as alumni associations, warehouse clubs or business and professional organizations. None of the groups I am in were among those listed, however.
I was also invited to GEICO’s DriveEasy program, with the potential to save up to 15%. I declined, but the discount was tempting.
Without those discounts, the monthly quoted premium for my spouse and me was $95.71. That included $100 in savings. I could have saved another $44 off my six-month premium by paying in full at checkout.
Discounts I qualified for included: Restraint discount, anti-theft discount for my vehicle, good driver, financial responsibility (continuous coverage) and a multi-vehicle discount.
It was then that I realized that the quote I received was for 50/100/25 coverage, which is lower than what I wanted. It included a $1,000 deductible for comprehensive coverage on my 2025 Subaru. What seemed like a competitive rate became a little less competitive.
However, I was still pleased with the experience and how easily I obtained a quote, especially compared to some other insurers.
GEICO claims experience
GEICO has an award-winning mobile app that is well-designed and easy to use. You can file a claim using the app, including requesting roadside assistance. If you need extra help, there’s a chatbot option, or you can call 1-800-861-8380. You can also track the progress of any active claims, as well as review details of previous claims. In my GEICO account, I can review claim details for claims that happened six years ago.
The GEICO app received 4.8 stars out of 5 on the App Store for iOS, with a whopping 4.5 million ratings as of November 2025. On the Google Play Store, the GEICO app has received 4.5 stars out of 5, with over half a million ratings as of November 2025.
Screenshot from the iPhone app store preview page.
Screenshot from the Google Play Store page.
In the J.D. Power 2025 Auto Claims Satisfaction Study, GEICO received 697 points, just below the study average of 700 points out of 1,000.
GEICO customer satisfaction
GEICO ranked second overall in our study of the best car insurers and seventh for customer satisfaction, with a score of 4.12 out of 5. In the J.D. Power 2025 U.S. Auto Satisfaction Study, GEICO scored above average for usage-based insurance (its DriveEasy program) and was tied with Allstate for the top spot in Florida.
GEICO received a slightly below-average number of complaints for an insurer of its size in 2024, with a NAIC Complaint Index score of 0.75 (1.00 is the baseline).
According to AM Best, a financial ratings company, GEICO has a Superior financial strength rating (FSR) of A++. This is AM Best’s highest rating, indicating that GEICO’s balance sheet and performance are robust.
Frequently Asked Questions: GEICO car insurance
Is GEICO cheaper than other car insurance companies?
In our analysis, GEICO’s average premium was higher than that of other insurers. Your price with GEICO will depend on your unique driver characteristics, including your driving history, location, vehicle make and model, coverage level and other factors.
In our ratings analysis, we found that GEICO’s average premiums are lower than those of many other insurers. Your premiums with GEICO will depend on several factors, including your driving history, location, vehicle, coverage selections and age.
What discounts does GEICO offer?
GEICO offers numerous discounts, including discounts for military members, deployed service members and federal employees. The company also offers discounts that you’ll find with most insurers, such as good student, auto pay, multi-vehicle and multi-policy. Its DriveEasy telematics program can also help you save money with good driving habits.
Does GEICO offer accident forgiveness?
GEICO calls this Claims Forgiveness, and it protects you from your premiums going up after your first covered loss. Claims Forgiveness is not available in every state and only applies once per policy, not per driver on the policy.
Does GEICO have gap insurance?
No, GEICO does not offer gap insurance. If you want this coverage on a new vehicle, you’ll need to buy it through the dealer or another company.
How do I file a claim with GEICO?
The easiest way to report a claim with GEICO is to log in to your GEICO app. You can also file a claim online at the GEICO website or call 1-800-861-8380.
How does GEICO rank in customer satisfaction?
According to J.D. Power’s 2025 U.S. Auto Insurance Study, GEICO’s overall customer satisfaction score was 645 points out of 1,000, above the industry average. GEICO received a below-average number of complaints compared to its size, according to the NAIC Complaint Index.
Does GEICO raise rates after an accident or ticket?
As with most insurers, your rates with GEICO may go up after you receive a speeding ticket or are found at fault in an accident. Programs like GEICO’s Claims Forgiveness or DriveEasy may help you offset those costs.
Is GEICO good for high-risk drivers?
GEICO may be an option for high-risk drivers seeking insurance coverage. High-risk drivers include those with a history of accidents, tickets or DUIs. It’s wise to compare quotes from multiple companies in addition to GEICO to find the coverage and price that fits you best.
Does GEICO offer telematics or usage-based insurance?
Yes. GEICO offers DriveEasy, which tracks your driving behaviors using your mobile phone and assigns you a score based on your driving habits. At the end of your policy period, GEICO uses this score when setting your premiums for renewal. Higher scores can save money, but low scores could actually increase the rate you pay in certain states.
What types of add-ons does GEICO provide?
In addition to typical coverage options like liability, comprehensive and collision, GEICO also offers medical payments coverage, uninsured motorist, rental reimbursement and roadside assistance coverage.
Can I manage my policy online with GEICO?
GEICO makes it very easy to manage your policy with the GEICO mobile app or by visiting the GEICO website. You can also view, share or download your ID cards, change coverage, pay your bill or file a claim.
Is GEICO a good insurance company overall?
GEICO is among the top insurers in our analysis, ranking fifth overall. It offers a variety of coverage options and savings and DriveEasy, its usage-based insurance program, is rated above average according to J.D. Power.
Sources
- J.D. Power. “It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds.” Accessed November 2025.
- AM Best. “AM Best Affirms Credit Ratings of Members of GEICO.” Accessed November 2025.
- National Association of Insurance Commissioners. “Geico Gen Ins Co National Complaint Index Report.” Accessed November 2025.
View More
- J.D. Power. “Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds.” Accessed November 2025.
- GEICO. “GEICO’s Award-Winning App Puts Help At Your Fingertips.” Accessed November 2025.
- GEICO. “DriveEasy Help Center.” Accessed November 2025.
- GEICO. “Car Insurance Discounts – Save Money on Auto Insurance.” Accessed November 2025.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
