GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
NerdWallet's take on GEICO auto insurance
GEICO earned 5 stars out of 5 for its wide selection of discounts, as well as its easy-to-use website and mobile app.
Best for: Drivers who want affordability without sacrificing coverage quality.
Not ideal for: Drivers with a recent DUI, or who want gap insurance to protect a newer vehicle.
Where GEICO car insurance stands out
Affordable pricing. GEICO offers plenty of discounts that make its coverage affordable for a wide variety of drivers. In fact, GEICO regularly appears as one of the cheapest insurers in many states in NerdWallet’s rates analyses, making it a top choice in our roundup of the best car insurance companies.
Accident forgiveness. GEICO’s claim forgiveness may protect eligible drivers from seeing their rates go up after an accident. Claim forgiveness is available in most states.
Where GEICO car insurance falls short
Gap coverage. GEICO doesn’t offer gap insurance, which can be an important optional coverage type for drivers who haven’t paid off their vehicle yet.
Agent location. GEICO has a limited number of local agents, depending on where you live. So if you prefer to work directly with an agent, you might have difficulty finding one.
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How much does GEICO car insurance cost?
GEICO car insurance costs an average of $165 per month or $1,985 per year for a full coverage policy, according to our November 2025 analysis. The national average is $2,300 per year.
For minimum coverage, GEICO's car insurance rates are $41 per month or $489 per year, on average, our analysis found. The national average is $627 per year.
GEICO car insurance rates vs. other large insurers
GEICO's car insurance rates are often cheaper than those of other large U.S. insurers. Below are the average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit.
» MORE: Compare car insurance rates
GEICO auto insurance rates by age
Age is a main factor in the cost of car insurance. For example, rates tend to start high for young drivers and then gradually decrease as the driver gains more experience on the road. Compared to other large insurers, GEICO was consistently cheaper for each age group we checked in our November 2025 rates analysis.
Here are GEICO's average car insurance rates for drivers of different ages.
20-year-olds
GEICO: $3,687/year National: $4,684/year
The average cost of GEICO car insurance for 20-year-old drivers is $3,687 per year, or $307 per month. That's significantly less the national average for this age group, which is $4,684 per year, or $390 per month.
Our analysis also found that GEICO's rates for 20-year-old drivers tend to be cheaper when compared to other large auto insurers.
40-year-olds
GEICO: $1,965/year National: $2,232/year
The average cost of GEICO car insurance for 40-year-old drivers is $1,965 per year, or $164 per month. That's less than the national average for this age group, which is $2,232 per year, or $186 per month.
Our analysis also found that GEICO's rates for 40-year-old drivers are typically cheaper than those of other large auto insurers.
60-year-olds
GEICO: $1,769/year National: $1,988/year
The average cost of GEICO car insurance for 60-year-old drivers is $1,769 per year, or $147 per month. That's cheaper than the national average for this age group, which is $1,988 per year, or $166 per month.
Our analysis also found that GEICO's rates for 60-year-old drivers are slightly cheaper when compared to other large auto insurers.
- More GEICO auto rates by age
Age GEICO median rate National median rate 20 $3,687 $4,684 30 $2,007 $2,375 35 $1,985 $2,300 40 $1,965 $2,232 50 $1,801 $2,074 60 $1,769 $1,988 70 $1,982 $2,125
GEICO auto insurance rates by driver profile
GEICO may be cheaper than other insurers for many drivers, including those with a recent speeding ticket or with poor credit, according to our November 2025 analysis. However, GEICO might not be as cheap for drivers with a recent DUI.
Below are GEICO's average full coverage rates for 35-year-old drivers.
Poor credit
GEICO: $2,799/year National: $3,850/year
The average cost of GEICO car insurance for drivers with poor credit is $2,799 per year, or $233 per month. That's much cheaper than the national average, which is $3,850 per year, or $321 per month.
Our analysis also found that GEICO's rates for drivers with poor credit are cheaper when compared to other large insurers.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
GEICO: $2,574/year National: $2,931/year
The average cost of GEICO car insurance for drivers with a recent speeding ticket is $2,574 per year, or $214 per month. That's cheaper than the national average, which is $2,931 per year, or $244 per month.
Our analysis also found that GEICO's rates for drivers with a speeding ticket are cheaper when compared to other large insurers.
At-fault crash
GEICO: $3,417/year National: $3,405/year
The average cost of GEICO car insurance for a driver with an at-fault crash is $3,417 per year, or $285 per month. That's close to the national average, which is $3,405 per year, or $284 per month.
Our analysis also found that GEICO's rates for drivers with an at-fault crash are close to average when compared to other large insurers.
DUI
GEICO: $4,511/year National: $4,265/year
The average cost of GEICO car insurance for a driver with a DUI is $4,511 per year, or $376 per month. That's more than the national average, which is $4,265 per year, or $355 per month.
For drivers with a DUI, our analysis also found that GEICO tends to be more expensive than other large insurers.
GEICO auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Having safety equipment like air bags, anti-lock brakes, daytime running lights or an anti-theft system.
Owning a vehicle that is three model years old or newer.
Driving for at least one year with no accidents.
Completing a defensive driving course, or driver’s education for a young driver.
Having good grades as a student.
Having someone on your policy who is a full-time student but lives away from home.
Participating in an emergency deployment with the U.S. military.
Being an active or retired military service member or a member of the National Guard or Reserves.
Being an active or retired federal employee.
Insuring more than one vehicle with GEICO.
Owning a home.
Buying a homeowners, renters, condo or mobile home policy through GEICO.
Being a member of certain organizations, such as alumni associations or sports groups. However, only a handful of groups are eligible for this discount.
Buying a new GEICO policy before your previous one expires.
Shopping for a policy online, signing up for paperless communication, paying your account in full or using autopay.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
GEICO car insurance coverage
GEICO's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
GEICO also offers some types of optional coverage, such as:
Mechanical breakdown coverage. This covers repairs to all mechanical parts of a new or leased car less than 15 months old and with fewer than 15,000 miles, except problems caused by wear and tear. GEICO does require a $250 deductible, however.
Rental car reimbursement. If your vehicle is damaged in a covered claim, GEICO will help pay for a rental car while yours is in the shop. You’ll need to add rental car reimbursement to your policy, and this coverage may have daily and per-claim limits.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend full coverage insurance for most drivers.
GEICO's DriveEasy program
In many states, GEICO offers a program called DriveEasy, which uses a smartphone app to track habits such as speeding, hard braking and using your phone while driving. You can get a discount for safe driving, but in some states, you may end up paying more if the app finds you to be a riskier driver.
Is GEICO a good insurance company?
GEICO is the highest-rated large car insurance company in our 2026 analysis, and it stands out for affordable rates. In NerdWallet's annual Best-Of Awards, GEICO has been a repeat winner of the "Best Budget-Friendly Auto Insurance" category for often having cheaper rates than other major auto insurers.
However, GEICO tends to score below average on consumer satisfaction surveys. This suggests GEICO customers may be less than happy with the service they receive, despite the insurer’s discount and coverage options.
Complaints: GEICO received fewer than the expected number of complaints for a company of its size, according to our analysis of three years' worth of data from the National Association of Insurance Commissioners.
Shopping: GEICO was ranked No. 12 out of 18 companies in J.D. Power's 2025 Auto Insurance Shopping Study. This study measures how shoppers feel about a company's buying process.
Claims satisfaction: GEICO was ranked No. 14 out of 20 companies in J.D. Power's 2025 Auto Insurance Claims Satisfaction study. This survey measures how customers feel about an insurer's claims process.
See what you could save on car insurance
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More about GEICO car insurance
Customer service: Call 800-207-7847, use the website’s chat feature, or fill out the contact form on GEICO’s website to send an email.
Website: You can learn about and get a quote for many types of insurance through GEICO’s website, and you can also submit a claim or make a payment.
Mobile app: GEICO’s mobile offering for iOS and Android helps you keep track of your policy and billing details, access your digital auto insurance ID card, pay bills and submit claims. You can also use the app to request roadside assistance and track your car’s maintenance history. Additionally, the GEICO app has a feature to help you find the cheapest gas station near you.
Other GEICO insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Is GEICO a good insurer?
Is GEICO a good insurer?
Yes, GEICO is a good insurance company for most. If you’re looking for an affordable car insurance policy, and you’re comfortable managing your own accounts online when an agent isn’t nearby, GEICO might be right for you.
Does GEICO cover rental cars?
Does GEICO cover rental cars?
Yes, GEICO will help cover the cost of a rental car while yours is in the shop after a covered claim, as long as you’ve added rental reimbursement coverage to your policy.
Does GEICO offer home insurance?
Does GEICO offer home insurance?
Yes, GEICO does offer home insurance, although its policies are issued by third-party partners. This could be a good option if you’re looking to get a bundling discount, but it might require you to work with a different insurer for each policy. You can read our GEICO homeowners insurance review to see if it is a good match for your needs.
Does GEICO offer 24-hour customer service?
Does GEICO offer 24-hour customer service?
Customer service number: GEICO’s phone number is 800-207-7847. You can also find a local agent to call on the website.
Email: Contact form via the website.
Live chat: GEICO offers a live chat on its website.
X: Reach out to GEICO on X at @GEICO_Service.
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.
- 1.J.D. Power. 2025 Auto Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 Auto Insurance Claims Satisfaction. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
