Geico Car Insurance Review (2024)
Geico can be a good choice if you’re looking for a large national car insurance company that’s dependable, but it isn’t the best company for coverage or rates.
Pros
Geico offers affordable car insurance rates if you’re a teen driver.
Geico offers a wide range of discounts that could save you a lot of money.
Cons
Geico offers few optional coverages, which can help you personalize your policy.
Geico provides average to poor customer service, according to J.D. Power.
Geico reviews: Is Geico a good insurance company?
LendingTree Score: 3.7 out of 5
Geico is a good choice if you qualify for discounts and need a dependable company. Geico also has an AM Best rating of A++, which shows they’re in good financial standing and can pay out claims.
However, Geico offers average rates for most drivers and has an average customer satisfaction score.
Geico’s customer satisfaction ratings from J.D. Power’s 2023 auto insurance study were average to subpar in most parts of the country. Geico received the highest satisfaction score among its competitors in New England, though. Despite subpar customer satisfaction ratings, Geico employs thousands of agents, which increases your access to personalized assistance.
How much is Geico car insurance?
Geico’s rates are on par with national average rates. Geico car insurance policies cost $1,937 a year, on average, for full coverage and $727 for liability coverage.
| Company | Full coverage | Liability coverage |
|---|---|---|
| USAA | $1,203 | $412 |
| Erie | $1,270 | $497 |
| State Farm | $1,487 | $597 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Farm Bureau | $1,931 | $548 |
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Amica | $2,548 | $1,098 |
| Allstate | $2,609 | $1,158 |
| Farmers | $3,091 | $1,188 |
| AAA | $3,835 | $1,520 |
Geico car insurance cost for a bad driving record
If you have an accident or speeding ticket on your driving record, Geico’s rates are average compared to other companies. However, if you have a DUI on your record, Geico’s rates are higher than average.
If you have a ticket or an accident on your record, your rate can increase by an average of 29% and 72%, respectively, under Geico. For a DUI, your rate can increase by 137%, on average.
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| USAA | $1,203 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Progressive | $2,032 | $2,606 | $3,026 | $2,547 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
Geico car insurance rates for teens
Full-coverage car insurance from Geico costs an average of $5,048 a year for teens. The average cost of liability-only coverage for teens is $2,044 a year from Geico. This is $776 cheaper than the national average rate of $5,824 for a full-coverage policy and $389 cheaper than the average rate for liability-only coverage.
| Company | Full coverage for a 18-year-old | Liability coverage for a 18-year-old |
|---|---|---|
| USAA | $2,847 | $1,030 |
| Erie | $3,086 | $1,264 |
| State Farm | $4,128 | $1,811 |
| Farm Bureau | $4,451 | $1,574 |
| Geico | $5,048 | $2,044 |
| American Family | $5,413 | $2,364 |
| Travelers | $5,758 | $2,655 |
| Allstate | $7,668 | $3,399 |
| Nationwide | $7,743 | $3,371 |
| Progressive | $8,495 | $3,193 |
| Amica | $9,052 | $4,071 |
| AAA | $9,111 | $4,075 |
| Farmers | $9,354 | $4,227 |
Geico car insurance quotes by state
Among some of the largest car insurance companies, Geico has the cheapest rates in Alaska, California, Hawaii, Massachusetts and New Jersey for a full-coverage policy.
| State | Full coverage | Liability coverage |
|---|---|---|
| Alabama | $3,115 | $1,130 |
| Alaska | $1,339 | $564 |
| Arizona | $2,081 | $989 |
| Arkansas | $2,230 | $682 |
| California | $1,486 | $425 |
| Colorado | $1,786 | $625 |
| Connecticut | $1,716 | $767 |
| Delaware | $2,976 | $1,338 |
| Florida | $2,007 | $469 |
| Georgia | $2,288 | $971 |
| Hawaii | $989 | $364 |
| Idaho | $1,169 | $364 |
| Illinois | $2,255 | $973 |
| Indiana | $1,639 | $645 |
| Iowa | $1,977 | $676 |
| Kansas | $1,679 | $529 |
| Kentucky | $2,296 | $960 |
| Louisiana | $4,235 | $1,239 |
| Maine | $1,263 | $538 |
| Maryland | $1,563 | $803 |
| Massachusetts | $1,442 | $544 |
| Michigan | – | -- |
| Minnesota | $2,426 | $885 |
| Mississippi | $2,276 | $689 |
| Missouri | $3,038 | $1,113 |
| Montana | $2,046 | $432 |
| Nebraska | $1,774 | $383 |
| Nevada | $2,400 | $974 |
| New Hampshire | $1,323 | $619 |
| New Jersey | $1,163 | $583 |
| New Mexico | $2,068 | $816 |
| New York | $2,209 | $1,038 |
| North Carolina | $1,677 | $696 |
| North Dakota | $1,896 | $509 |
| Ohio | $1,245 | $520 |
| Oklahoma | $2,368 | $768 |
| Oregon | $2,633 | $1,225 |
| Pennsylvania | $2,563 | $812 |
| Rhode Island | $2,611 | $1,287 |
| South Carolina | $1,421 | $584 |
| South Dakota | $1,940 | $438 |
| Tennessee | $1,730 | $557 |
| Texas | $1,830 | $761 |
| Utah | $2,348 | $1,103 |
| Vermont | $1,386 | $547 |
| Virginia | $1,363 | $593 |
| Washington | $1,209 | $505 |
| Washington, D.C. | $1,627 | $657 |
| West Virginia | $2,011 | $885 |
| Wisconsin | $1,780 | $568 |
| Wyoming | $965 | $212 |
Geico car insurance discounts
Geico offers a variety of car insurance discounts that can provide great savings. Geico’s multi-vehicle discount can save you up to 25%, for example, and a new vehicle model can save you up to 15%.
Geico also offers a variety of discounts, such as discounts for good driving, student discounts and discounts for certain professions.
| Discount type | Potential savings |
|---|---|
| Airbag | 23% |
| Anti-lock brakes | 5% |
| Anti-theft system | 23% |
| Daytime running lights | 3% |
| New vehicle | 15% |
| Good driver | 22% (five years accident-free) |
| Seat belt use | Varies |
| Defensive driving | Varies |
| Driver's education course | Varies |
| Good student | 15% |
| Emergency deployment | 25% |
| Federal employee | 12% |
| Membership and employee | Varies |
| Military | 15% |
| Multi-vehicle | 25% |
| Multi-policy | Varies |
Geico car insurance coverage
Geico has all the standard car insurance coverage options you might expect from a car insurance company. However, Geico doesn’t offer as many optional coverages as their competitors. Geico offers these optional coverages:
- Emergency Road Service: Comes to your aid during roadside emergencies.
- Rental Reimbursement: Helps pay for a rental car if your car is being repaired due to a covered claim.
- Mechanical Breakdown Insurance: Helps pay for unexpected car repairs.
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.
Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.
For full-coverage policies, coverage limits include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
LendingTree rated insurance companies based on an assessment of each of their average rates, NAIC Complaint Index scores, discounts, coverages, financial strength ratings, along with their app and website experience. These categories were then weighted based on importance:
- Cost: 40%
- NAIC Complaint Index score: 30%
- Discounts: 10%
- Coverages: 10%
- A.M. Best financial strength rating: 5% ?
- Web and app usability: 5%