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Geico is a good option for commercial auto insurance. Getting a quote is simple. The company’s fleet management tools make it worth a look for companies with multiple trucks on the road.
Plus, Geico is investing in this part of its business. The company announced in March 2026 that it now offers commercial truck insurance in almost 40 U.S. states, up from "nearly two-thirds" a year prior.
That’s great news if you're a trucker. But if you need other types of business insurance, Geico refers shoppers to its sister Berkshire Hathaway companies, biBERK and Berxi. You might get routed to Hiscox too.
We generally recommend getting all your insurance from the same company, which would mean Geico isn’t a fit for most businesses. The company’s size also means customer service may be impersonal and slow.
But if you have a fleet of vehicles and commercial auto insurance is a big expense, you should get several business insurance quotes to find the best price. Geico should be one, if only because getting a quote is so easy.
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Geico business insurance: Pros and cons
Pros
Can get a quote and buy a commercial auto insurance policy online.
Fleet management and monitoring tools.
Superior financial strength ratings.
Cons
Only sells commercial auto insurance.
Can only file claims over the phone.
What Geico does well
Straightforward online quotes
Geico is a leader in personal insurance in part because it makes buying a policy so easy. Users know the name, find the website, enter their information and check out.
Geico has done a better job than most large personal insurance companies at translating that experience for business insurance. Of the four largest auto insurance companies in the U.S., two — State Farm and Allstate — don’t offer online quotes to businesses at all.
Fleet management tools
Geico’s DriveEasy Pro program gives you tools to monitor your vehicles in real time. If you sign up, Geico will send you an on-board diagnostic device or a dashcam that you can install in your company cars and trucks. You can see live vehicle locations on an online dashboard. Dashcams record the road and can provide evidence to support you in case of a claim.
Enrolling in the program is free. Like other tracking programs from auto insurance companies, you might qualify for discounts if Geico deems your drivers safe enough.
Financial strength
Geico gets the highest possible financial strength rating from AM Best. That means the credit rating agency thinks Geico will have the cash or financial options it needs in case it has to pay out many claims at once. It’s rated better than either Allstate or Progressive, though both of those companies get the second highest rating.
Where Geico falls short
More complaints than expected about commercial auto insurance
Geico commercial auto insurance customers filed more complaints with state regulators than we’d expect given its market share. This is according to a NerdWallet analysis of 2023-2025 data from the National Association of Insurance Commissioners.
We consider this data point because filing a complaint with your state regulator is a lot harder than leaving a bad review online. It suggests that policyholders feel like Geico did them wrong.
It’s getting better, though. Geico’s complaint ratio improved significantly between 2022-2024 and 2023-2025. Allstate performs worse on this metric. Progressive is better still, which is partly why it’s our top pick for commercial auto insurance.
Only sells commercial auto insurance
Geico only underwrites commercial auto insurance policies now. There are still businesses that have liability and property insurance policies with Geico — the company wrote more than nine figures’ worth of premiums for both types of insurance in 2025, according to the National Association of Insurance Commissioners. But Geico isn’t issuing new ones, at least online.
In general, we recommend bundling your insurance with the same company unless you have specific needs. Geico’s fleet management tools or roadside assistance might qualify if you or your employees drive a lot. But if not, it’s probably simpler (and might be cheaper) to keep all your coverage together.
How we evaluated Geico business insurance
NerdWallet’s business insurance star ratings include these factors:
- Financial strength (33%). This tells us how likely an insurance company is to be able to pay out claims if there’s a major disaster or financial crisis. Geico’s corporate entities have “superior” ratings from AM Best.
- Customer complaints (33%). The National Association of Insurance Commissioners (NAIC) collects data about how many complaints an insurer’s customers file. Compared to what we’d expect given its market share, Geico received slightly more complaints about general liability insurance and slightly fewer complaints about commercial property insurance between 2022 and 2024. That evens out to an average score. Our star ratings don’t currently include commercial auto insurance complaints — we’ll discuss those later.
- Purchase process (17%). We recommend getting all your commercial insurance from the same provider if you can. With Geico, that isn’t possible. However, you can get an auto insurance quote and buy a policy online in a matter of minutes. You also have the option to work with a Geico agent.
- Customer support (17%). Geico phone support is available, but the company strongly encourages customers to use the app or their online dashboard instead. You can get proof of coverage through your online portal. You have to call to file a claim, though.
I take a few additional steps when writing reviews of business insurers. These don’t affect star ratings right now, but they inform the recommendations in this review:
- Aggregating customer reviews and complaints. I used an AI tool to summarize what policyholders say about Geico on review websites like Reddit, Trustpilot and WalletHub. We don’t factor this feedback into star ratings because it’s usually anonymous and we can’t verify it. Beyond that, insurers like Geico generally have way more complaints from personal policyholders than commercial ones. But still, these comments offer some insight into customers’ experience with a company overall.
- Trying the online quote process. Geico offers online quotes for commercial auto insurance, so I got one. This helps me understand how much policyholders can customize their coverage and how much it’s likely to cost.
Save up to 30% on business insurance
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What customers think about Geico
I read through online forums like Reddit and review sites like WalletHub to understand how users feel about Geico. I looked for reviews that focused on business insurance, but there are few. That’s probably because Geico has millions of personal insurance customers and relatively few commercial ones.
I used Claude to help me analyze general customer sentiment, both from business owners and personal lines policyholders. Here’s what stood out.
👍 Competitive pricing (at least at first)
Lots of Reddit users say Geico offered them the best price for their personal auto insurance. But many also say Geico raised their rates after a year or two. They switched to other insurance companies to save money.
This is normal. In fact, NerdWallet recommends checking rates from other insurers before you renew any auto insurance policy.
👎 Poor customer support
Geico has a low Trustpilot rating, like most large insurance companies. Many of its bad reviews deal with standard customer service headaches — billing errors, long hold times on the phone and difficulty canceling a policy. A handful say poor service extended to claims, with long repair timelines and unfair judgments about who was at fault in an accident.
Again, this feels pretty normal to me for a massive company like Geico. Large companies generally have centralized customer service, which is more likely to feel bureaucratic and impersonal. If you want high-touch customer service, consider working with an independent insurance agent. They can answer your questions directly and get to know your business over time.
What policies does Geico sell?
Shoppers can only buy commercial auto insurance from Geico’s website.
For other types of insurance, Geico refers customers to online insurance companies. General liability, professional liability and BOPs lead to Ergo Next or Hiscox. Workers’ comp referrals go to biBERK. Medical malpractice insurance shoppers are routed to Berxi, another Berkshire Hathaway company. And if you need cyber liability insurance, Geico has you call Hiscox.
<br>Geico still underwrites some liability and property insurance policies. If you already have a Geico agent, you could ask them whether they can help you get a BOP or general liability insurance. But they may not be able to.
How to get Geico business insurance
Since Geico only underwrites commercial auto insurance, I told the company I want a quote for that policy.
I entered my ZIP code, date of birth, marital status (to help prove my identity, Geico explained) and cell phone number. I then provided my address and Social Security number.
Next, I told Geico I’m a sole proprietor working as a florist. I said I visit one to three clients or job sites per day, traveling up to 50 miles one way and driving 12,000 to 16,000 miles per year. I used the make and model of my last car (a 2013 Toyota Prius) and said I also drive it for personal use.
After that, Geico tried to sell me on its safe driving program. This is a telematics discount, where Geico places a device in the policyholder’s vehicle to monitor their driving behavior. I said no.
Geico asked about my current auto insurance coverage limits; I said I carry the state minimum. Then it produced my quote.
I had the option to adjust my limits or to decline liability coverage altogether. I could also add collision coverage, uninsured motorist property damage, rental reimbursement and roadside assistance. Lastly, Geico invited me to add on hired and non-owned auto insurance.
Usually these are treated as one policy, but Geico listed them separately. Make sure you get the policy you need — hired if you rent vehicles, and non-owned if you borrow them.
Geico offered me a roughly 10% discount for paying in advance — $52 for six months of coverage or $102 for paying a year in full. The full annual premium, post-discount, would be $1,036. I don’t typically get commercial auto insurance quotes as part of my review process, so I can’t compare that price to others.
<br>I no longer own this car, so I had to stop the process when it came time to provide the VIN. I wasn’t able to see whether I could actually check out online.
Methodology
Business insurance ratings methodology
NerdWallet rewards business insurance companies for reliability and good service. We calculate star ratings based on scores in about a dozen categories. These include:
- Each company's financial strength.
- How many complaints customers made relative to its market share.
- How easy it is to get coverage.
- How accessible customer service is.
Learn more about how we rate small-business insurance companies.
Our editorial team routinely fact-checks and updates these data points. We also adjust our scoring on an ongoing basis. This helps our star ratings reflect changing industry norms. For instance, in 2026, we began evaluating how easy insurers make it to add an additional insured.
Our ratings are a guide. But insurance policy details and prices can vary widely. We encourage you to shop around and compare several insurance quotes. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
One key factor in our star ratings is how many complaints insurance companies get. Here's how we arrive at that score.
Disappointed customers can file a complaint with their state's insurance department. The National Association of Insurance Commissioners (NAIC) collects, analyzes and groups complaints by business line and insurance company every year. A business line is a specific type of coverage, like workers’ comp.
Then, the NAIC calculates a complaint ratio for each company. It divides the company's share of complaints by its share of total premiums for each line of business. It then adds these ratio values to their official complaint index.
- A complaint ratio of 1 means a company received about the expected number of complaints relative to its size.
- A ratio of 2 means it received twice as many complaints as expected.
- A ratio of 0 means it received half as many complaints as expected.
NerdWallet obtains the raw NAIC data every year. We aggregate results at the company level and fact-check these results. Then we calculate a three-year average of each insurer's complaint ratio and convert it to a score for our star ratings.
Business insurance star ratings consider complaints about two lines of business: commercial liability and commercial property. We analyze complaint data on commercial auto and workers' comp policies too. But we don't currently incorporate these into our ratings since they're less universal.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
